Amish Mutual Mortgage Fund

Nonprofit profile at a glance

EIN
351798265
IRS 990 coverage
2014–2025
Forms available
Form 990 2025
Location
Nappanee, IN, USA
Phone
5742086058
Rating
85
Verdict
STRONG
Rating confidence
Moderate
Sector
Fund Raising and Fund Distribution
Affiliation
Christianity

Reported finances

Revenue
$5,371,181
Expenses
$4,811,715
Assets
$104,555,648
Liabilities
$102,824,680

Source: IRS Form 990. Selected filing: tax year 2025. Amounts in USD.

Leadership & pay

7 people listed

Highest reported compensation

  • CHRIS KURTZ (CHAIRMAN): $8,533 total reported compensation
  • MATT L HOCHSTETLER (ADMINISTRATOR): $8,532 total reported compensation
  • EVERETT HOCHSTETLER (SECRETARY): $8,532 total reported compensation

Source: IRS Form 990. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.

Overview

Mission

Amish mutual mortgage fund is a church controlled organization whereby old order amish members invest funds which are channeled to those in need of borrowing funds to maintain the anabaptist religious beliefs, cultural traditions and lifestyles for residential real estate loans.

What it reported doing in 2025

Amish mutual mortgage fund is a church controlled organization whereby old order amish members invest funds which are channeled to other old order amish church members which are in need of borrowing funds to maintain the anabaptist religious beliefs, cultural traditions and lifestyles for residential real estate loans.

Operating model

Revenue model
Earned-program. 85% of the money available for current operations came from fees and other program revenue.
Distribution model
Direct operator. The filing allocates 99% of reported program-service expenses outside its grant, affiliate-payment, and member-benefit lines. This expense classification does not rule out separately announced grant awards.

The verdict

STRONG - A large share of available resources goes toward mission work and the filed numbers largely add up. Some filing-based governance responses are negative or unanswered and expenses are high relative to revenue.

Rating breakdown

  • Financial Efficiency: 76
  • Transparency & Controls: 100
  • Accountability: 84
  • Sustainability: 64
  • Growth: 100

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: 78.2%; rating input score 78
  • Program expense ratio: 98.5%; rating input score 98
  • Fundraising efficiency: Limited

Transparency & Controls

  • Consistency checks: 100%; rating input score 100; 63rd percentile among comparable filings
  • Pay-setting controls: Limited
  • Foreign activity oversight: Limited
  • Grant itemization coverage: 100%; rating input score 100; 75th percentile among comparable filings
  • Major donor itemization: Limited
  • Related-party transparency: Limited

Accountability

  • Independent voting board: 100%; rating input score 100; 63rd percentile among comparable filings
  • Governance controls: 5 of 8 controls in place; rating input score 62
    • Conflict-of-interest policy: Fail
    • Whistleblower policy: Fail
    • Document-retention policy: Fail
    • CEO compensation review process: NotApplicable
    • Other executive compensation review process: Pass
    • Form 990 shared with the board: Pass
    • Board meeting minutes documented: Pass
    • Audit committee oversight: Pass
    • Independent financial-statement audit: Pass

Sustainability

  • Operating margin: 10.4%; rating input score 57; 57th percentile among comparable filings
  • Total-asset coverage ratio: 21.73; rating input score 95; 95th percentile among comparable filings
  • Liabilities to assets ratio: 0.98; rating input score 3; 3rd percentile among comparable filings
  • Officer compensation ratio: 1.2%; rating input score 78; 78th percentile among comparable filings

Growth

  • Program expense growth: 14.7% per year; rating input score 100; 74th percentile among comparable filings
  • Revenue growth: 15.4% per year; rating input score 100; 80th percentile among comparable filings
  • Asset growth: 9.1% per year; rating input score 100; 54th percentile among comparable filings

Details

  • Where the money goes: 78.2% of revenue deployed · 98.5% of spending went to programs
  • Governance: 5 of 5 board members independent · 5 of 8 filing controls reported
  • Programs: 1 filed program accomplishment · $4.7M in reported program spending
  • Leadership: top reported pay $9K · 7 people listed
  • Consistency: 21 of 21 current checks pass
  • Schedules: 5 filed schedules · includes grants
  • Filing history: 11 filing years from 2014 to 2025
  • Contacts: How to reach this organization
  • Money network: 11 filed money-flow records
  • Related organizations: 3 filed related-organization links
  • Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
  • People: Everyone the filings name, and which of them the filings identify by more than a name.

Key Signals

Signals prioritize questions for review. They are not findings of misconduct.

  • Review — Accountability: Governance controls: 3 of 8 not reported.
  • Review — Sustainability: Operating margin scored 57/100.
  • High — Sustainability: Liabilities to assets ratio scored 3/100.