{"success":true,"data":{"_id":113829932,"filings":[{"Organization":{"value":null,"Person":["ERIC HANNA","ADAM FISHKIND","KATHERINE FORTH","JEFF HANSON","NANCY PELLEGRINI","GARY LADUE","DON WILKINSON","DANIEL PAGE-WOOD","SANDRA PEARSON","DANIEL LYNCH","JOE JOSEPH","CATHERINE OVERWAY"],"Title":["CHAIR","VICE CHAIR","SECRETARY","TREASURER","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","CEO","DIRECTOR","COO"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0,1.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,141210,0,117703],"Direct compensation":[0,0,0,0,0,0,0,0,0,133534,0,110854],"Other compensation":[0,0,0,0,0,0,0,0,0,7676,0,6849]},"Basic":{"value":null,"mission":"To provide more affordable loan origination and/or loan servicing to habitat for humanity affiliates in michigan and 24 other states.","year":2020,"name":"NEIGHBORHOOD CAPITAL FUNDING INC","phone":5174851006,"website":"WWW.AFFILIATEMTG.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"DANIEL LYNCH","year_formation":2007,"state_legal_domicile":"MI","total_volunteers":10,"tax_period_begin":"2020-07-01T00:00:00","tax_period_end":"2021-06-30T00:00:00","address":"618 S CREYTS RD SUITE C, LANSING, MI, 48917, USA","city":"LANSING","state":"MI","country":"USA","zip_code":48917},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":10,"Number of independent voting members":9,"Number of employees total":0,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":0,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":true,"Premiums Paid":true,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":1722750,"Contributions":{"value":38864,"Other contributions":546,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":38318,"Related organizations":0},"Program revenue":{"value":1608108,"Total revenue":{"value":1608108,"SERVICING INCOME":1242322,"PROCESSING FEES":296632,"ORIGINATION INCOME":69154},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":75737,"Investment income total":75737,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":41,"Other total":41,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":1461170,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":669157,"Current officers":244388,"Disqualified persons":0,"Other salaries and wages":322821,"Pension plan contributions":0,"Other employee benefits":53109,"Payroll taxes":48839},"Other expenses":{"value":792013,"Management services":0,"Legal":10996,"Accounting":40000,"Lobbying services":0,"Investment management fees":0,"Other services":31547,"Advertising":35298,"Office expenses":118318,"Information technology":58261,"Royalties":0,"Occupancy":36721,"Travel":1771,"Conferences and meetings":0,"Interest":75737,"Payments to affiliates":0,"Depreciation and depletion":19287,"Insurance":33554,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":330523,"MORTGAGE SERVICING":263299,"CONSULTING":61881,"MISCELLANEOUS EXPENSE":3298,"COPIER MAINTENANCE":2045},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":1039644,"Management And General Expenses":421526,"Fundraising Expenses":0}},"Assets":{"value":13673430,"Non-interest bearing cash":1057468,"Savings and temp cash investments":10124334,"Pledges and grants receivable":152889,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":2258833,"Inventories for sale or use":0,"Prepaid expenses deferred charges":32073,"Land, building, equipment":47833,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":12743979,"Sum of Total Liabilities":0,"Accounts payable, accrued":90527,"Grants payable":0,"Deferred, revenue":126509,"Tax exempt bond liabilities":0,"Escrow account liability":10124334,"Loans from officers, directors":0,"Secured mortgages and notes payable":2402609,"Unsecured notes loans payable":0,"Other liabilities":0},"Fund balance":{"value":929451,"Net assets without donor restriction":929451,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.7115147450330899,"percentile":0.5442607928592719},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.15183863009722826,"percentile":0.7009712679390684},"Liabilities to Assets Ratio":{"score":0.9320250295646374,"percentile":0.0597583218213371},"Operating Reserve Ratio":{"score":9.357863903584114,"percentile":0.885591679821125},"Officer Compensation Ratio":{"score":0.1771956719615103,"percentile":0.3548905104498212},"Program Expense Growth":{"score":0.16226100078794448,"percentile":0.7693502404882258},"Revenue Growth":{"score":0.16754558061763516,"percentile":0.8681277578488017},"Asset Growth":{"score":0.4326560548146512,"percentile":0.9617870449001311},"Independent Voting Board Pct":{"score":0.9,"percentile":0.23882945974943737},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6304617479049848,"percentile":0.6913516424641872}},"source_xml":"202220479349300122_public.xml"},{"Organization":{"value":null,"Person":["JENNIFER CHAPPEL","GARY LADUE","DON WILKINSON","KATHY KULAS","DANIEL LYNCH","ERIC HANNA","GARY DAWES","KATEY FORTH","JEFF HANSON","DANIEL PAGE - WOOD","JUAN ZUNIGA","CATHERINE OVERWAY"],"Title":["DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","CEO","CHAIR","VICE CHAIR","SECRETARY","TREASURER","DIRECTOR","DIRECTOR","COO"],"Hours":[1.0,1.0,1.0,1.0,40.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0],"Total Compensation":[0,0,0,0,206653,0,0,0,0,0,0,191404],"Direct compensation":[0,0,0,0,185867,0,0,0,0,0,0,167178],"Other compensation":[0,0,0,0,20786,0,0,0,0,0,0,24226]},"Basic":{"value":null,"mission":"To provide more affordable loan origination and/or loan servicing to habitat for humanity affiliates in michigan and 24 other states.","year":2024,"name":"NEIGHBORHOOD CAPITAL FUNDING INC","phone":5174851006,"website":"WWW.AFFILIATEMTG.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"DANIEL LYNCH","year_formation":2007,"state_legal_domicile":"MI","total_volunteers":10,"tax_period_begin":"2024-07-01T00:00:00","tax_period_end":"2025-06-30T00:00:00","address":"618 S CREYTS RD SUITE C, LANSING, MI, 48917, USA","city":"LANSING","state":"MI","country":"USA","zip_code":48917},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":11,"Number of independent voting members":10,"Number of employees total":14,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":14,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":true,"Premiums Paid":true,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":1977374,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":1931006,"Total revenue":{"value":1931006,"SERVICING INCOME":1592432,"PROCESSING FEES":309420,"ORIGINATION INCOME":29154},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":46368,"Investment income total":46368,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":2048142,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":1002318,"Current officers":398057,"Disqualified persons":0,"Other salaries and wages":515422,"Pension plan contributions":0,"Other employee benefits":49870,"Payroll taxes":38969},"Other expenses":{"value":1045824,"Management services":0,"Legal":15979,"Accounting":45100,"Lobbying services":0,"Investment management fees":0,"Other services":86753,"Advertising":59981,"Office expenses":60058,"Information technology":89531,"Royalties":0,"Occupancy":44772,"Travel":31084,"Conferences and meetings":0,"Interest":50368,"Payments to affiliates":0,"Depreciation and depletion":19601,"Insurance":30551,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":475150,"MORTGAGE SERVICING":309864,"MORTGAGE ORIGINATING":83023,"DUES & SUBSCRIPTIONS":62626,"TELEPHONE":19637},"All other expenses":36896},"Functional Expenses":{"value":null,"Program Service Expenses":1644616,"Management And General Expenses":403526,"Fundraising Expenses":0}},"Assets":{"value":18474393,"Non-interest bearing cash":1236839,"Savings and temp cash investments":15659298,"Pledges and grants receivable":156941,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":1292314,"Inventories for sale or use":0,"Prepaid expenses deferred charges":63554,"Land, building, equipment":65447,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":17402810,"Sum of Total Liabilities":0,"Accounts payable, accrued":146515,"Grants payable":0,"Deferred, revenue":68613,"Tax exempt bond liabilities":0,"Escrow account liability":15659298,"Loans from officers, directors":0,"Secured mortgages and notes payable":1528384,"Unsecured notes loans payable":0,"Other liabilities":0},"Fund balance":{"value":1071583,"Net assets without donor restriction":1071583,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.8029794809148975,"percentile":0.6292728363932234},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.03578887959485661,"percentile":0.30858081402920384},"Liabilities to Assets Ratio":{"score":0.9419963080789718,"percentile":0.0585915543734934},"Operating Reserve Ratio":{"score":9.020074291723914,"percentile":0.8817917574645951},"Officer Compensation Ratio":{"score":0.19435029407140716,"percentile":0.3236638768243171},"Program Expense Growth":{"score":0.11519153931132439,"percentile":0.7043083082191017},"Revenue Growth":{"score":0.10228817770294829,"percentile":0.7690343186207935},"Asset Growth":{"score":0.24294165772755827,"percentile":0.8849176032367143},"Independent Voting Board Pct":{"score":0.9090909090909091,"percentile":0.24395594109922106},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5667600699846239,"percentile":0.507107555561244}},"source_xml":"202513079349301141_public.xml"},{"Organization":{"value":null,"Person":["CHRIS MONFORTON","JEFF WEISSERMAN","REV GARY DAWES","ERIC HANNA","MARY BUIKEMA","DAVID BIRD","ROBERT PIERCE","FRED FECHHEIMER","RUSS DANIEL","SANDY PEARSON","DAVID LECLERC"],"Title":["DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","CHAIR","TREASURER","SECRETARY","DIRECTOR","PRESIDENT"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,53750],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,53750],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"To provide more affordable financing to habitat for humanity affiliates in michigan.","year":2014,"name":"HABITAT FOR HUMANITY MICHIGAN FUND INC","phone":5174851006,"website":"WWW.HABITATMICHIGAN.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"SANDRA PEARSON","year_formation":2007,"state_legal_domicile":"MI","total_volunteers":11,"tax_period_begin":"2014-07-01T00:00:00","tax_period_end":"2015-06-30T00:00:00","address":"618 S CREYTS NO C, LANSING, MI, 48917, USA","city":"LANSING","state":"MI","country":"USA","zip_code":48917},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":15,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":15,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":true,"Premiums Paid":true,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":698371,"Contributions":{"value":99000,"Other contributions":99000,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":599371,"Total revenue":{"value":599371,"SERVICING INCOME":433951,"PROCESSING FEES":165420},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":0,"Investment income total":0,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":599881,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":396305,"Current officers":70000,"Disqualified persons":0,"Other salaries and wages":291958,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":34347},"Other expenses":{"value":203576,"Management services":0,"Legal":9517,"Accounting":4384,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":9421,"Office expenses":74530,"Information technology":39751,"Royalties":0,"Occupancy":0,"Travel":15240,"Conferences and meetings":0,"Interest":1888,"Payments to affiliates":0,"Depreciation and depletion":7056,"Insurance":5976,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":35813,"LICENSING & REGISTRATIO":19974,"PROFESSIONAL TRAINING":12104,"MISCELLANEOUS":2047,"PROMOTIONS":1688},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":395922,"Management And General Expenses":203959,"Fundraising Expenses":0}},"Assets":{"value":343685,"Non-interest bearing cash":143590,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":143146,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":27817,"Land, building, equipment":29132,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":86662,"Sum of Total Liabilities":0,"Accounts payable, accrued":21986,"Grants payable":0,"Deferred, revenue":425,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":64251,"Unsecured notes loans payable":0,"Other liabilities":0},"Fund balance":{"value":257023,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":117023,"Temporarily restricted net assets":90000,"Permanently restricted net assets":50000},"Ratings":{"Program Expense Ratio":{"score":0.6600009001785354,"percentile":0.5166615646121498},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.14102819275141723,"percentile":0.686581901934078},"Liabilities to Assets Ratio":{"score":0.2521553166416923,"percentile":0.22338926278978685},"Operating Reserve Ratio":{"score":0.5729219628559664,"percentile":0.2806833676248555},"Officer Compensation Ratio":{"score":0.08960110421900344,"percentile":0.5882111619415819},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":null,"percentile":null},"Asset Growth":{"score":null,"percentile":null},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6064188254102967,"percentile":0.624125192010292}},"source_xml":"201513209349311406_public.xml"},{"Organization":{"value":null,"Person":["DENNIS R KOONS","JAMES LOGUE","FRED FECHHEIMER","SANDY PEARSON","REV GARY DAWES","RUSS DANIEL","MARY BUIKEMA","MURRAY BROWN","JEFF WEISSERMAN","ROBERT PIERCE","DAVID BIRD","DAVID LECLERC"],"Title":["DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","CHAIR","CO-CHAIR","TREASURER/SECRETARY","PRESIDENT (7/1/13-3/1/14)","PRESIDENT (3/1/14-6/30/14)"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,61600,18750],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,61600,18750],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"To provide more affordable financing to habitat for humanity affiliates in michigan.","year":2013,"name":"HABITAT FOR HUMANITY MICHIGAN FUND INC","phone":5174851006,"website":"WWW.HABITATMICHIGAN.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"DAVID LECLERC","year_formation":2007,"state_legal_domicile":"MI","total_volunteers":12,"tax_period_begin":"2013-07-01T00:00:00","tax_period_end":"2014-06-30T00:00:00","address":"618 S CREYTS NO C, LANSING, MI, 48917, USA","city":"LANSING","state":"MI","country":"USA","zip_code":48917},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":10,"Number of independent voting members":9,"Number of employees total":11,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":11,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":486658,"Contributions":{"value":65000,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":65000},"Program revenue":{"value":421658,"Total revenue":{"value":421658,"SERVICING INCOME":309507,"PROCESSING FEES":112151},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":0,"Investment income total":0,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":476162,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":347578,"Current officers":80350,"Disqualified persons":0,"Other salaries and wages":243466,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":23762},"Other expenses":{"value":128584,"Management services":0,"Legal":7822,"Accounting":3950,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":969,"Office expenses":35526,"Information technology":33497,"Royalties":0,"Occupancy":3300,"Travel":5878,"Conferences and meetings":0,"Interest":1980,"Payments to affiliates":0,"Depreciation and depletion":2215,"Insurance":3816,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":29631,"LICENSING & REGISTRATIO":26737,"MISCELLANEOUS":2894},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":314268,"Management And General Expenses":161894,"Fundraising Expenses":0}},"Assets":{"value":241131,"Non-interest bearing cash":214583,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":11837,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":1723,"Land, building, equipment":12988,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":82598,"Sum of Total Liabilities":0,"Accounts payable, accrued":18347,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":64251,"Unsecured notes loans payable":0,"Other liabilities":0},"Fund balance":{"value":158533,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":68533,"Temporarily restricted net assets":90000,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.6600022681356346,"percentile":0.5166633771841492},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.02156750736656954,"percentile":0.456403200616955},"Liabilities to Assets Ratio":{"score":0.34254409428899646,"percentile":0.18481711084126884},"Operating Reserve Ratio":{"score":0.5064053830419059,"percentile":0.253770265461044},"Officer Compensation Ratio":{"score":0.1687450909564392,"percentile":0.37162370387590615},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":null,"percentile":null},"Asset Growth":{"score":null,"percentile":null},"Independent Voting Board Pct":{"score":0.9,"percentile":0.23882945974943737},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.4550073739999285,"percentile":0.22123305354809822}},"source_xml":"201520379349300537_public.xml"},{"Organization":{"value":null,"Person":["CAMERON BRADY","CHRIS MONFORTON","JEFF WEISSERMAN","MARY BUIKEMA","DAVID BIRD","SANDY PEARSON","ROBERT PIERCE","ERIC HANNA","FRED FECHHEIMER","RUSS DANIEL","DANIEL LYNCH - BEGAN 3-7-16","DAVID LECLERC - ENDED 3-7-16"],"Title":["DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","CHAIR","CO-TREASURER","TREASURER","SECRETARY","PRESIDENT","PRESIDENT"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,0,58800],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,0,58800],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"To provide more affordable financing to habitat for humanity affiliates in michigan.","year":2015,"name":"HABITAT FOR HUMANITY MICHIGAN FUND INC","phone":5174851006,"website":"WWW.HABITATMICHIGAN.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"DANIEL LYNCH","year_formation":2007,"state_legal_domicile":"MI","total_volunteers":10,"tax_period_begin":"2015-07-01T00:00:00","tax_period_end":"2016-06-30T00:00:00","address":"618 S CREYTS NO C, LANSING, MI, 48917, USA","city":"LANSING","state":"MI","country":"USA","zip_code":48917},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":10,"Number of independent voting members":10,"Number of employees total":15,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":15,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":true,"Premiums Paid":true,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":737302,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":737302,"Total revenue":{"value":737302,"SERVICING INCOME":523590,"PROCESSING FEES":154237,"ORIGINATION INCOME":59475},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":0,"Investment income total":0,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":719850,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":420555,"Current officers":62802,"Disqualified persons":0,"Other salaries and wages":316226,"Pension plan contributions":0,"Other employee benefits":5064,"Payroll taxes":36463},"Other expenses":{"value":299295,"Management services":0,"Legal":11121,"Accounting":31138,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":10060,"Office expenses":95342,"Information technology":38719,"Royalties":0,"Occupancy":21633,"Travel":13292,"Conferences and meetings":0,"Interest":1934,"Payments to affiliates":0,"Depreciation and depletion":14182,"Insurance":30301,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":31573,"LICENSING & REGISTRATIO":19549,"PROMOTIONS":8539,"MISCELLANEOUS":3485},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":475101,"Management And General Expenses":244749,"Fundraising Expenses":0}},"Assets":{"value":356066,"Non-interest bearing cash":276171,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":23692,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":23794,"Land, building, equipment":32409,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":81591,"Sum of Total Liabilities":0,"Accounts payable, accrued":16415,"Grants payable":0,"Deferred, revenue":925,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":64251,"Unsecured notes loans payable":0,"Other liabilities":0},"Fund balance":{"value":274475,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":134475,"Temporarily restricted net assets":90000,"Permanently restricted net assets":50000},"Ratings":{"Program Expense Ratio":{"score":0.66,"percentile":0.5166593492463728},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.023670083629231984,"percentile":0.4618233636233387},"Liabilities to Assets Ratio":{"score":0.22914572017547308,"percentile":0.2350155596305018},"Operating Reserve Ratio":{"score":0.49463916093630617,"percentile":0.24880205340908793},"Officer Compensation Ratio":{"score":0.08168368410085435,"percentile":0.6177885049769309},"Program Expense Growth":{"score":0.20353609366813719,"percentile":0.8076895392548935},"Revenue Growth":{"score":0.19557818086479384,"percentile":0.8931061234077233},"Asset Growth":{"score":0.1832349858962123,"percentile":0.8279748358975638},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.62963175590316,"percentile":0.6890846161184053}},"source_xml":"201603219349301210_public.xml"},{"Organization":{"value":null,"Person":["ERIC HANNA","ADAM FISHKIND","KATEY FORTH","JEFF HANSON","NANCY PELLEGRINI","GARY LADUE","DON WILKINSON","DANIEL PAGE-WOOD","JOHN WILLIAMS","DANIEL LYNCH","CATHERINE OVERWAY"],"Title":["CHAIR","VICE CHAIR","SECRETARY","TREASURER","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","CEO","COO"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,193595,142619],"Direct compensation":[0,0,0,0,0,0,0,0,0,180178,130510],"Other compensation":[0,0,0,0,0,0,0,0,0,13417,12109]},"Basic":{"value":null,"mission":"To provide more affordable loan origination and/or loan servicing to habitat for humanity affiliates in michigan and 24 other states.","year":2022,"name":"NEIGHBORHOOD CAPITAL FUNDING INC","phone":5174851006,"website":"WWW.AFFILIATEMTG.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"DANIEL LYNCH","year_formation":2007,"state_legal_domicile":"MI","total_volunteers":9,"tax_period_begin":"2022-07-01T00:00:00","tax_period_end":"2023-06-30T00:00:00","address":"618 S CREYTS RD SUITE C, LANSING, MI, 48917, USA","city":"LANSING","state":"MI","country":"USA","zip_code":48917},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":10,"Number of independent voting members":9,"Number of employees total":12,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":12,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":true,"Premiums Paid":true,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":1635265,"Contributions":{"value":78,"Other contributions":78,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":1576648,"Total revenue":{"value":1576648,"SERVICING INCOME":1296455,"PROCESSING FEES":239681,"ORIGINATION INCOME":40512},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":58539,"Investment income total":58539,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":1612284,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":797336,"Current officers":336214,"Disqualified persons":0,"Other salaries and wages":359317,"Pension plan contributions":0,"Other employee benefits":46181,"Payroll taxes":55624},"Other expenses":{"value":814948,"Management services":0,"Legal":18455,"Accounting":41500,"Lobbying services":0,"Investment management fees":0,"Other services":58021,"Advertising":51517,"Office expenses":98021,"Information technology":58138,"Royalties":0,"Occupancy":37444,"Travel":34620,"Conferences and meetings":0,"Interest":58539,"Payments to affiliates":0,"Depreciation and depletion":24025,"Insurance":34252,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":292381,"MORTGAGE SERVICING":198544,"MORTGAGE ORIGINATING":59039,"LICENSING & REGISTRATIO":18420,"PAYROLL PROCESSING FEE":16378},"All other expenses":8035},"Functional Expenses":{"value":null,"Program Service Expenses":1120319,"Management And General Expenses":491965,"Fundraising Expenses":0}},"Assets":{"value":15101929,"Non-interest bearing cash":1269584,"Savings and temp cash investments":11782753,"Pledges and grants receivable":134277,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":1796849,"Inventories for sale or use":0,"Prepaid expenses deferred charges":56708,"Land, building, equipment":61758,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":13957427,"Sum of Total Liabilities":0,"Accounts payable, accrued":120905,"Grants payable":0,"Deferred, revenue":94673,"Tax exempt bond liabilities":0,"Escrow account liability":11782753,"Loans from officers, directors":0,"Secured mortgages and notes payable":1959096,"Unsecured notes loans payable":0,"Other liabilities":0},"Fund balance":{"value":1144502,"Net assets without donor restriction":1144502,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.6948645523989571,"percentile":0.533853407232565},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.014053379727444788,"percentile":0.43629571039801057},"Liabilities to Assets Ratio":{"score":0.9242148469907387,"percentile":0.06076900134866518},"Operating Reserve Ratio":{"score":9.366792078814898,"percentile":0.8856846418103822},"Officer Compensation Ratio":{"score":0.2085327398894984,"percentile":0.3000429294174932},"Program Expense Growth":{"score":0.12789085728992924,"percentile":0.7250623607006335},"Revenue Growth":{"score":0.12938694421663535,"percentile":0.8195409047017919},"Asset Growth":{"score":0.34085413726830793,"percentile":0.9368859212964352},"Independent Voting Board Pct":{"score":0.9,"percentile":0.23882945974943737},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.56984933743351,"percentile":0.5163608467591383}},"source_xml":"202313189349309801_public.xml"},{"Organization":{"value":null,"Person":["ERIC HANNA","ADAM FISHKIND","KATY FORTY","JEFF HANSON","GERALD LADUE","JOE JOSEPH","JENNIFER CHAPPEL","DON WILKINSON","DANIEL PAGE-WOOD","SANDRA PEARSON","DANIEL LYNCH","CATHERINE OVERWAY"],"Title":["CHAIR","VICE CHAIR","SECRETARY","TREASURER","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","CEO","COO"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,127560,108335],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,120439,101953],"Other compensation":[0,0,0,0,0,0,0,0,0,0,7121,6382]},"Basic":{"value":null,"mission":"To provide more affordable loan origination and/or loan servicing to habitat for humanity affiliates in michigan and 11 other states","year":2019,"name":"NEIGHBORHOOD CAPITAL FUNDING INC","phone":5174851006,"website":"WWW.AFFILIATEMTG.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"DANIEL LYNCH","year_formation":2007,"state_legal_domicile":"MI","total_volunteers":11,"tax_period_begin":"2019-07-01T00:00:00","tax_period_end":"2020-06-30T00:00:00","address":"618 S CREYTS RD SUITE C, LANSING, MI, 48917, USA","city":"LANSING","state":"MI","country":"USA","zip_code":48917},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":11,"Number of independent voting members":10,"Number of employees total":0,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":0,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":true,"Premiums Paid":true,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":1639290,"Contributions":{"value":76063,"Other contributions":2121,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":73942,"Related organizations":0},"Program revenue":{"value":1487770,"Total revenue":{"value":1487770,"SERVICING INCOME":1073425,"PROCESSING FEES":370825,"ORIGINATION INCOME":43520},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":75457,"Investment income total":75457,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":1473455,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":640690,"Current officers":222392,"Disqualified persons":0,"Other salaries and wages":321413,"Pension plan contributions":0,"Other employee benefits":47085,"Payroll taxes":49800},"Other expenses":{"value":832765,"Management services":0,"Legal":39223,"Accounting":36400,"Lobbying services":0,"Investment management fees":0,"Other services":31564,"Advertising":30450,"Office expenses":120068,"Information technology":52532,"Royalties":0,"Occupancy":35835,"Travel":26440,"Conferences and meetings":0,"Interest":76102,"Payments to affiliates":0,"Depreciation and depletion":13205,"Insurance":31032,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":339914,"MORTGAGE SERVICING":285393,"CONSULTING":48099,"MISCELLANEOUS EXPENSE":3300,"COPIER MAINTENANCE":3122},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":1048219,"Management And General Expenses":425236,"Fundraising Expenses":0}},"Assets":{"value":12317899,"Non-interest bearing cash":873042,"Savings and temp cash investments":8811892,"Pledges and grants receivable":104502,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":2443732,"Inventories for sale or use":0,"Prepaid expenses deferred charges":28653,"Land, building, equipment":56078,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":11650028,"Sum of Total Liabilities":0,"Accounts payable, accrued":87857,"Grants payable":0,"Deferred, revenue":134909,"Tax exempt bond liabilities":0,"Escrow account liability":8811892,"Loans from officers, directors":0,"Secured mortgages and notes payable":2577052,"Unsecured notes loans payable":0,"Other liabilities":38318},"Fund balance":{"value":667871,"Net assets without donor restriction":667871,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.7114021127214608,"percentile":0.5441884913761852},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.10116269848531986,"percentile":0.625239800688001},"Liabilities to Assets Ratio":{"score":0.9457804451879335,"percentile":0.05815340206117991},"Operating Reserve Ratio":{"score":8.359874580492788,"percentile":0.8737517579415306},"Officer Compensation Ratio":{"score":0.16009650786756296,"percentile":0.38970289815081166},"Program Expense Growth":{"score":0.19734777263855718,"percentile":0.802754239285142},"Revenue Growth":{"score":0.18614462449806118,"percentile":0.8855086620354544},"Asset Growth":{"score":0.5072003795934815,"percentile":0.9735986634619509},"Independent Voting Board Pct":{"score":0.9090909090909091,"percentile":0.24395594109922106},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6253182908847956,"percentile":0.6774011110748916}},"source_xml":"202120799349300002_public.xml"},{"Organization":{"value":null,"Person":["NANCY PELLEGRINI","GARY LADUE","DON WILKINSON","JOHN WILLIAMS","DANIEL LYNCH","ERIC HANNA","ADAM FISHKIND","KATEY FORTH","JEFF HANSON","CATHERINE OVERWAY"],"Title":["DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","CEO","CHAIR","VICE CHAIR","SECRETARY","TREASURER","COO"],"Hours":[1.0,1.0,1.0,1.0,40.0,1.0,1.0,1.0,1.0,40.0],"Total Compensation":[0,0,0,0,206426,0,0,0,0,155291],"Direct compensation":[0,0,0,0,193719,0,0,0,0,144318],"Other compensation":[0,0,0,0,12707,0,0,0,0,10973]},"Basic":{"value":null,"mission":"To provide more affordable loan origination and/or loan servicing to habitat for humanity affiliates in michigan and 24 other states.","year":2023,"name":"NEIGHBORHOOD CAPITAL FUNDING INC","phone":5174851006,"website":"WWW.AFFILIATEMTG.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"DANIEL LYNCH","year_formation":2007,"state_legal_domicile":"MI","total_volunteers":8,"tax_period_begin":"2023-07-01T00:00:00","tax_period_end":"2024-06-30T00:00:00","address":"618 S CREYTS RD SUITE C, LANSING, MI, 48917, USA","city":"LANSING","state":"MI","country":"USA","zip_code":48917},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":9,"Number of independent voting members":8,"Number of employees total":14,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":14,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":true,"Premiums Paid":true,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":1798915,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":1745945,"Total revenue":{"value":1745945,"SERVICING INCOME":1452439,"PROCESSING FEES":259287,"ORIGINATION INCOME":34219},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":52970,"Investment income total":52970,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":1801066,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":881595,"Current officers":361717,"Disqualified persons":0,"Other salaries and wages":415979,"Pension plan contributions":0,"Other employee benefits":45150,"Payroll taxes":58749},"Other expenses":{"value":919471,"Management services":0,"Legal":10815,"Accounting":43100,"Lobbying services":0,"Investment management fees":0,"Other services":46496,"Advertising":67995,"Office expenses":93168,"Information technology":67909,"Royalties":0,"Occupancy":41592,"Travel":25184,"Conferences and meetings":0,"Interest":52992,"Payments to affiliates":0,"Depreciation and depletion":26061,"Insurance":33835,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":400698,"MORTGAGE SERVICING":282672,"MORTGAGE ORIGINATING":80866,"PAYROLL PROCESSING FEE":19506,"LICENSING & REGISTRATIO":17654},"All other expenses":9626},"Functional Expenses":{"value":null,"Program Service Expenses":1295146,"Management And General Expenses":505920,"Fundraising Expenses":0}},"Assets":{"value":17415082,"Non-interest bearing cash":1318132,"Savings and temp cash investments":14240692,"Pledges and grants receivable":167746,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":1598969,"Inventories for sale or use":0,"Prepaid expenses deferred charges":39601,"Land, building, equipment":49942,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":16272731,"Sum of Total Liabilities":0,"Accounts payable, accrued":122021,"Grants payable":0,"Deferred, revenue":84168,"Tax exempt bond liabilities":0,"Escrow account liability":14240692,"Loans from officers, directors":0,"Secured mortgages and notes payable":1825850,"Unsecured notes loans payable":0,"Other liabilities":0},"Fund balance":{"value":1142351,"Net assets without donor restriction":1142351,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.7190996887398907,"percentile":0.5492842354571307},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.001195720753898878,"percentile":0.3826979510989001},"Liabilities to Assets Ratio":{"score":0.934404500650643,"percentile":0.05946724447874828},"Operating Reserve Ratio":{"score":9.6693191698694,"percentile":0.8888566665568637},"Officer Compensation Ratio":{"score":0.20083494996851864,"percentile":0.3126233488169014},"Program Expense Growth":{"score":0.11504769803499149,"percentile":0.7040593795549447},"Revenue Growth":{"score":0.11187943530920219,"percentile":0.7889688007702449},"Asset Growth":{"score":0.28473689071750446,"percentile":0.911734715476809},"Independent Voting Board Pct":{"score":0.8888888888888888,"percentile":0.2330250129411084},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5591056035761949,"percentile":0.484337099778157}},"source_xml":"202423209349313087_public.xml"},{"Organization":{"value":null,"Person":["CAMERON BRADY","CHRIS MONFORTON","JEFF HANSON","KATEY FORTH","SANDY PEARSON","ERIC HANNA","FRED FECHHEIMER","RUSS DANIEL","ADAM FISHKIND","GARY LADUE","JOE JOSEPH","DANIEL LYNCH"],"Title":["DIRECTOR","DIRECTOR","TREASURER","DIRECTOR","DIRECTOR","CHAIRMAN","VICE CHAIR","SECRETARY","DIRECTOR","DIRECTOR","DIRECTOR","PRESIDENT"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,0,102382],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,0,96062],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,6320]},"Basic":{"value":null,"mission":"To provide more affordable financing to habitat for humanity affiliates in michigan.","year":2017,"name":"HABITAT FOR HUMANITY MICHIGAN FUND INC","phone":5174851006,"website":"WWW.HABITATMICHIGAN.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"DANIEL LYNCH","year_formation":2007,"state_legal_domicile":"MI","total_volunteers":10,"tax_period_begin":"2017-07-01T00:00:00","tax_period_end":"2018-06-30T00:00:00","address":"618 S CREYTS RD NO C, LANSING, MI, 48917, USA","city":"LANSING","state":"MI","country":"USA","zip_code":48917},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":11,"Number of independent voting members":11,"Number of employees total":0,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":0,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":true,"Premiums Paid":true,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":1178866,"Contributions":{"value":7078,"Other contributions":7078,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":1110862,"Total revenue":{"value":1110862,"SERVICING INCOME":787015,"PROCESSING FEES":221468,"ORIGINATION INCOME":102379},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":60926,"Investment income total":60926,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":1100580,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":524379,"Current officers":102382,"Disqualified persons":0,"Other salaries and wages":347130,"Pension plan contributions":0,"Other employee benefits":31620,"Payroll taxes":43247},"Other expenses":{"value":576201,"Management services":0,"Legal":30427,"Accounting":34700,"Lobbying services":0,"Investment management fees":0,"Other services":11129,"Advertising":11789,"Office expenses":68754,"Information technology":0,"Royalties":0,"Occupancy":22902,"Travel":30983,"Conferences and meetings":0,"Interest":60956,"Payments to affiliates":0,"Depreciation and depletion":14573,"Insurance":42873,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":247115,"MORTGAGE SERVICING":222757,"EQUIPMENT RENTAL AND MA":24358},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":924060,"Management And General Expenses":176520,"Fundraising Expenses":0}},"Assets":{"value":3641118,"Non-interest bearing cash":678966,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":100518,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":2821078,"Inventories for sale or use":0,"Prepaid expenses deferred charges":29710,"Land, building, equipment":10846,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":3193169,"Sum of Total Liabilities":0,"Accounts payable, accrued":40508,"Grants payable":0,"Deferred, revenue":151709,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":3000952,"Unsecured notes loans payable":0,"Other liabilities":0},"Fund balance":{"value":447949,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":447949,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.8396118410292754,"percentile":0.6779943689429886},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.06640788690147989,"percentile":0.5600162553939233},"Liabilities to Assets Ratio":{"score":0.8769748742007263,"percentile":0.06833025254288116},"Operating Reserve Ratio":{"score":3.3083628632175763,"percentile":0.732629395510623},"Officer Compensation Ratio":{"score":0.09302549564774937,"percentile":0.5759413581226707},"Program Expense Growth":{"score":0.2739638676647949,"percentile":0.8523891581926665},"Revenue Growth":{"score":0.2036090172784454,"percentile":0.8991623670752223},"Asset Growth":{"score":0.6384189352720222,"percentile":0.9854158892483431},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.720358363850316,"percentile":0.880223974843527}},"source_xml":"201921309349303477_public.xml"},{"Organization":{"value":null,"Person":["CAMERON BRADY","CHRIS MONFORTON","JEFF HANSON","KATEY FORTH","SANDRA PEARSON","ERIC HANNA","RUSS DANIEL","ADAM FISHKIND","GARY LADUE","JOE JOSEPH","DANIEL PAGE-WOOD","DANIEL LYNCH"],"Title":["DIRECTOR","DIRECTOR","TREASURER","DIRECTOR","DIRECTOR","BOARD CHAIR","SECRETARY","VICE CHAIR","DIRECTOR","DIRECTOR","DIRECTOR","CEO"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,0,111301],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,0,104963],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,6338]},"Basic":{"value":null,"mission":"To provide more affordable loan origination and/or loan servicing to habitat for humanity affiliates in michigan and 11 other states.","year":2018,"name":"NEIGHBORHOOD CAPITAL FUNDING INC","phone":5174851006,"website":"WWW.AFFILIATEMTG.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"DANIEL LYNCH","year_formation":2007,"state_legal_domicile":"MI","total_volunteers":11,"tax_period_begin":"2018-07-01T00:00:00","tax_period_end":"2019-06-30T00:00:00","address":"618 S CREYTS RD NO C, LANSING, MI, 48917, USA","city":"LANSING","state":"MI","country":"USA","zip_code":48917},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":10,"Number of independent voting members":10,"Number of employees total":0,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":0,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":true,"Premiums Paid":true,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":1395128,"Contributions":{"value":1020,"Other contributions":1020,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":1313160,"Total revenue":{"value":1313160,"SERVICING INCOME":943197,"PROCESSING FEES":295730,"ORIGINATION INCOME":74233},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":80948,"Investment income total":80948,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":1341041,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":633415,"Current officers":105092,"Disqualified persons":0,"Other salaries and wages":428012,"Pension plan contributions":0,"Other employee benefits":50709,"Payroll taxes":49602},"Other expenses":{"value":707626,"Management services":0,"Legal":17773,"Accounting":35400,"Lobbying services":0,"Investment management fees":0,"Other services":54365,"Advertising":25180,"Office expenses":102165,"Information technology":0,"Royalties":0,"Occupancy":27508,"Travel":35124,"Conferences and meetings":0,"Interest":81151,"Payments to affiliates":0,"Depreciation and depletion":10373,"Insurance":55141,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":263446,"MORTGAGE SERVICING":235510,"EQUIPMENT RENTAL AND MA":27936},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":1002394,"Management And General Expenses":338647,"Fundraising Expenses":0}},"Assets":{"value":3531740,"Non-interest bearing cash":641563,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":126641,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":2695164,"Inventories for sale or use":0,"Prepaid expenses deferred charges":39189,"Land, building, equipment":29183,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":3029704,"Sum of Total Liabilities":0,"Accounts payable, accrued":61280,"Grants payable":0,"Deferred, revenue":143309,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":2825115,"Unsecured notes loans payable":0,"Other liabilities":0},"Fund balance":{"value":502036,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":502036,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.7474745365727073,"percentile":0.5708475989462914},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.038768485759012795,"percentile":0.4991693974682265},"Liabilities to Assets Ratio":{"score":0.8578502381262494,"percentile":0.0711132059393707},"Operating Reserve Ratio":{"score":2.6335809270559216,"percentile":0.6834658412180931},"Officer Compensation Ratio":{"score":0.08299597104040816,"percentile":0.6126814183019975},"Program Expense Growth":{"score":0.23552727519070973,"percentile":0.8303082002500426},"Revenue Growth":{"score":0.19494252237091253,"percentile":0.8925993833449379},"Asset Growth":{"score":0.46888066515996346,"percentile":0.9681747951330412},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.675923988936633,"percentile":0.8021175577950729}},"source_xml":"201943229349300914_public.xml"},{"Organization":{"value":null,"Person":["CAMERON BRADY","CHRIS MONFORTON","JEFF WEISSERMAN","MARY BUIKEMA","DAVID BIRD","SANDY PEARSON","ROBERT PIERCE","ERIC HANNA","FRED FECHHEIMER","RUSS DANIEL","ADAM FISHKIND","GARY LADUE","JOE JOSEPH","DANIEL LYNCH"],"Title":["DIRECTOR","DIRECTOR","DIRECTOR THRU 12/31/2016","DIRECTOR","DIRECTOR THRU 12/31/2016","DIRECTOR","CHAIR THRU 12/31/2016","CHAIRMAN","VICE CHAIR","SECRETARY","DIRECTOR","DIRECTOR","DIRECTOR","PRESIDENT"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,71164],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,68939],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,2225]},"Basic":{"value":null,"mission":"To provide more affordable financing to habitat for humanity affiliates in michigan.","year":2016,"name":"HABITAT FOR HUMANITY MICHIGAN FUND INC","phone":5174851006,"website":"WWW.HABITATMICHIGAN.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"DANIEL LYNCH","year_formation":2007,"state_legal_domicile":"MI","total_volunteers":10,"tax_period_begin":"2016-07-01T00:00:00","tax_period_end":"2017-06-30T00:00:00","address":"618 S CREYTS RD No C, LANSING, MI, 48917, USA","city":"LANSING","state":"MI","country":"USA","zip_code":48917},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":10,"Number of independent voting members":10,"Number of employees total":15,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":15,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":true,"Premiums Paid":true,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":973070,"Contributions":{"value":640,"Other contributions":640,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":940327,"Total revenue":{"value":940327,"SERVICING INCOME":695676,"PROCESSING FEES":180766,"ORIGINATION INCOME":63885},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":18764,"Investment income total":18764,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":13339,"Other total":13339,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":877882,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":458448,"Current officers":0,"Disqualified persons":0,"Other salaries and wages":390136,"Pension plan contributions":0,"Other employee benefits":32111,"Payroll taxes":36201},"Other expenses":{"value":419434,"Management services":0,"Legal":16738,"Accounting":22750,"Lobbying services":0,"Investment management fees":0,"Other services":6971,"Advertising":11493,"Office expenses":100826,"Information technology":0,"Royalties":0,"Occupancy":21912,"Travel":28719,"Conferences and meetings":0,"Interest":19403,"Payments to affiliates":0,"Depreciation and depletion":18775,"Insurance":20478,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":151369,"MORTGAGE SERVICING":127207,"EQUIPMENT RENTAL AND MA":24162},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":734639,"Management And General Expenses":143243,"Fundraising Expenses":0}},"Assets":{"value":2188349,"Non-interest bearing cash":484431,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":55520,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":1599879,"Inventories for sale or use":0,"Prepaid expenses deferred charges":23099,"Land, building, equipment":25420,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":1818686,"Sum of Total Liabilities":0,"Accounts payable, accrued":22806,"Grants payable":0,"Deferred, revenue":88627,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":1707253,"Unsecured notes loans payable":0,"Other liabilities":0},"Fund balance":{"value":369663,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":369663,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.8368311458715408,"percentile":0.6740723659300911},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.09782235604838295,"percentile":0.6194527907776318},"Liabilities to Assets Ratio":{"score":0.8310767615220425,"percentile":0.07476017357304506},"Operating Reserve Ratio":{"score":2.4927598469953822,"percentile":0.6706178880289007},"Officer Compensation Ratio":{"score":0.08106328640979084,"percentile":0.6201801472689027},"Program Expense Growth":{"score":0.2792376805404364,"percentile":0.8550866708768887},"Revenue Growth":{"score":0.20697195310770428,"percentile":0.9015709221913232},"Asset Growth":{"score":0.7483033371457716,"percentile":0.9909704059097905},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.7293672540723697,"percentile":0.892434839491295}},"source_xml":"201723199349306507_public.xml"}],"Latest":{"Organization":{"value":null,"Person":["JENNIFER CHAPPEL","GARY LADUE","DON WILKINSON","KATHY KULAS","DANIEL LYNCH","ERIC HANNA","GARY DAWES","KATEY FORTH","JEFF HANSON","DANIEL PAGE - WOOD","JUAN ZUNIGA","CATHERINE OVERWAY"],"Title":["DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","CEO","CHAIR","VICE CHAIR","SECRETARY","TREASURER","DIRECTOR","DIRECTOR","COO"],"Hours":[1.0,1.0,1.0,1.0,40.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0],"Total Compensation":[0,0,0,0,206653,0,0,0,0,0,0,191404],"Direct compensation":[0,0,0,0,185867,0,0,0,0,0,0,167178],"Other compensation":[0,0,0,0,20786,0,0,0,0,0,0,24226]},"Basic":{"value":null,"mission":"To provide more affordable loan origination and/or loan servicing to habitat for humanity affiliates in michigan and 24 other states.","year":2024,"name":"NEIGHBORHOOD CAPITAL FUNDING INC","phone":5174851006,"website":"WWW.AFFILIATEMTG.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"DANIEL LYNCH","year_formation":2007,"state_legal_domicile":"MI","total_volunteers":10,"tax_period_begin":"2024-07-01T00:00:00","tax_period_end":"2025-06-30T00:00:00","address":"618 S CREYTS RD SUITE C, LANSING, MI, 48917, USA","city":"LANSING","state":"MI","country":"USA","zip_code":48917},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":11,"Number of independent voting members":10,"Number of employees total":14,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":14,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":true,"Premiums Paid":true,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":1977374,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":1931006,"Total revenue":{"value":1931006,"SERVICING INCOME":1592432,"PROCESSING FEES":309420,"ORIGINATION INCOME":29154},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":46368,"Investment income total":46368,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":2048142,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":1002318,"Current officers":398057,"Disqualified persons":0,"Other salaries and wages":515422,"Pension plan contributions":0,"Other employee benefits":49870,"Payroll taxes":38969},"Other expenses":{"value":1045824,"Management services":0,"Legal":15979,"Accounting":45100,"Lobbying services":0,"Investment management fees":0,"Other services":86753,"Advertising":59981,"Office expenses":60058,"Information technology":89531,"Royalties":0,"Occupancy":44772,"Travel":31084,"Conferences and meetings":0,"Interest":50368,"Payments to affiliates":0,"Depreciation and depletion":19601,"Insurance":30551,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":475150,"MORTGAGE SERVICING":309864,"MORTGAGE ORIGINATING":83023,"DUES & SUBSCRIPTIONS":62626,"TELEPHONE":19637},"All other expenses":36896},"Functional Expenses":{"value":null,"Program Service Expenses":1644616,"Management And General Expenses":403526,"Fundraising Expenses":0}},"Assets":{"value":18474393,"Non-interest bearing cash":1236839,"Savings and temp cash investments":15659298,"Pledges and grants receivable":156941,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":1292314,"Inventories for sale or use":0,"Prepaid expenses deferred charges":63554,"Land, building, equipment":65447,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":17402810,"Sum of Total Liabilities":0,"Accounts payable, accrued":146515,"Grants payable":0,"Deferred, revenue":68613,"Tax exempt bond liabilities":0,"Escrow account liability":15659298,"Loans from officers, directors":0,"Secured mortgages and notes payable":1528384,"Unsecured notes loans payable":0,"Other liabilities":0},"Fund balance":{"value":1071583,"Net assets without donor restriction":1071583,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.8029794809148975,"percentile":0.6292728363932234},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.03578887959485661,"percentile":0.30858081402920384},"Liabilities to Assets Ratio":{"score":0.9419963080789718,"percentile":0.0585915543734934},"Operating Reserve Ratio":{"score":9.020074291723914,"percentile":0.8817917574645951},"Officer Compensation Ratio":{"score":0.19435029407140716,"percentile":0.3236638768243171},"Program Expense Growth":{"score":0.11519153931132439,"percentile":0.7043083082191017},"Revenue Growth":{"score":0.10228817770294829,"percentile":0.7690343186207935},"Asset Growth":{"score":0.24294165772755827,"percentile":0.8849176032367143},"Independent Voting Board Pct":{"score":0.9090909090909091,"percentile":0.24395594109922106},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5667600699846239,"percentile":0.507107555561244}},"source_xml":"202513079349301141_public.xml"},"sector":"Human Services","donation_categories":[],"zakat_policy":null},"error":null}