Bay Area Mortgage Association
Nonprofit profile at a glance
- EIN
- 352775382
- IRS 990-EZ coverage
- 2022–2025
- Forms available
- Form 990-EZ 2025
- Location
- Burlingame, CA, USA
- Phone
- 9258995686
- Rating
- 84
- Verdict
- STRONG
- Rating confidence
- Moderate
Reported finances
- Revenue
- $134,917
- Expenses
- $117,694
- Assets
- $85,328
- Liabilities
- $0
Source: IRS Form 990-EZ. Selected filing: tax year 2025. Amounts in USD.
Leadership & pay
6 people listed
Executive titles in this filing
- ARMAND BOLINO (PRESIDENT)
People named in this filing
- BRIANA HARNEY (DIRECTOR,)
- JAKE BERRY (VP OF EVENTS)
- ARMAND BOLINO (PRESIDENT)
Selected names, not a complete roster or a statement of current roles. Open leadership details for the complete filed list.
Source: IRS Form 990-EZ. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.
Overview
Mission
The corporation has been at the forefront of San Francisco's industry leaders focusing on real estate finance. Our mission as an organization is to deliver events in which members can congregate and refer business amongst each other while maximizing their exposure. The corporation's pride and vision is to encourage connection between established industry leaders in the Bay Area while also providing a platform for up-and-coming finance professionals in which they can excel within the industry.
What it reported doing in 2025
Deliver events in which members can congregate and refer business amongst each other while maximizing their exposure.
Operating model
- Revenue model
- Earned-program. 98% of the money available for current operations came from fees and other program revenue.
- Distribution model
- Direct operator. The filing allocates 100% 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. Program spending has declined or grown slowly and assets have declined or grown slowly.
Rating breakdown
- Financial Efficiency: 92
- Transparency & Controls: 82
- Sustainability: 58
- Growth: 40
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: 87.2%; rating input score 87
- Program expense ratio: 100%; rating input score 100
Transparency & Controls
- Consistency checks: 100%; rating input score 100; 52nd percentile among comparable filings
- Major donor itemization: Limited
Sustainability
- Operating margin: 12.8%; rating input score 60; 60th percentile among comparable filings
- Total-asset coverage ratio: 0.72; rating input score 48; 48th percentile among comparable filings
- Liabilities to assets ratio: 0; rating input score 74; 74th percentile among comparable filings
- Officer compensation ratio: 0%; rating input score 63; 63rd percentile among comparable filings
Growth
- Program expense growth: -0.4% per year; rating input score 0; 28th percentile among comparable filings
- Revenue growth: 22.7% per year; rating input score 100; 85th percentile among comparable filings
- Asset growth: -5.7% per year; rating input score 0; 14th percentile among comparable filings
Details
- Where the money goes: 87.2% of revenue deployed · 100% of spending went to programs
- Governance: Filed governance answers
- Accomplishments: 1 filed program accomplishment · $118K in reported program spending
- Leadership: top reported pay $0 · 6 people listed
- Consistency: 8 of 8 current checks pass
- Schedules: 1 filed schedules
- Filing history: 4 filing years from 2022 to 2025
- Contacts: How to reach this organization
- 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.
- High — Growth: Program expense growth scored 0/100.
- High — Growth: Asset growth scored 0/100.
- Moderate — Sustainability: Total-asset coverage ratio scored 48/100.