Greater Cincinnati Mortgage Bankers Association
Nonprofit profile at a glance
- EIN
- 310801825
- IRS 990-EZ coverage
- 2016–2025
- Forms available
- Form 990-EZ 2025
- Location
- Cincinnati, OH, USA
- Phone
- 5133734453
- Rating
- 84
- Verdict
- STRONG
- Rating confidence
- Moderate
- Sector
- Chambers of Commerce & Business Leagues
Reported finances
- Revenue
- $49,744
- Expenses
- $47,339
- Assets
- $43,261
Source: IRS Form 990-EZ. Selected filing: tax year 2025. Amounts in USD.
Leadership & pay
14 people listed
Executive titles in this filing
- Rob Diedrichsen (Vice President)
- Kent McKenzie (Past President)
- Eddie Cohen (President)
People named in this filing
- Cherie D'Varga (Executive Admin)
- Pat Parshall (Secretary)
- Justin Epure (Director)
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
Greater Cincinnati Mortgage Bankers Association promotes the success of its individual members and companies and improves their interaction within the mortgage banking industry. It also improves service to the Greater Cincinnati community. GCMBA provides quality educational and networking opportunities to its members to enhance their professional growth and development. GCMBA supports and encourages its membership to engage in the fair affordable housing initiative that promotes home ownership for all segments of the community. GCMBA regularly hosts training sessions, annually recognizes members who have provided outstanding services to the Greater Cincinnati community, hosts multiple networking events for its members, and supports several publicly supported 501(c)(3)organizations.
What it reported doing in 2025
Greater Cincinnati Mortgage Bankers Association provided quality training sessions for its membership, recognized members who have provided outstanding service to the Greater Cincinnati community as evidenced by sales volume, hosted an annual golf outing to provide networking for its membership, and supported Tender Mercies, a publicly supported 501(c)(3) organization that provides housing for the mentally disadvantaged.
Operating model
- Revenue model
- Cannot be determined from the filing. The filing does not provide enough consistent revenue detail to tell how this nonprofit funds its work.
- 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 revenue has declined or grown slowly.
Rating breakdown
- Financial Efficiency: 97
- Transparency & Controls: 82
- Sustainability: 39
- Growth: 20
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: 95.2%; rating input score 95
- Program expense ratio: 100%; rating input score 100
Transparency & Controls
- Consistency checks: 100%; rating input score 100; 51st percentile among comparable filings
- Major donor itemization: Limited
Sustainability
- Operating margin: 4.8%; rating input score 53; 53rd percentile among comparable filings
- Total-asset coverage ratio: 0.91; rating input score 45; 45th percentile among comparable filings
- Liabilities to assets ratio: Limited
- Officer compensation ratio: 8.4%; rating input score 10; 10th percentile among comparable filings
Growth
- Program expense growth: -2.4% per year; rating input score 0; 41st percentile among comparable filings
- Revenue growth: -1.7% per year; rating input score 0; 43rd percentile among comparable filings
- Asset growth: 10.2% per year; rating input score 100; 70th percentile among comparable filings
Details
- Where the money goes: 95.2% of revenue deployed · 100% of spending went to programs
- Governance: Filed governance answers
- Accomplishments: 1 filed program accomplishment · $47K in reported program spending
- Leadership: top reported pay $0 · 14 people listed
- Consistency: 6 of 6 current checks pass
- Schedules: 1 filed schedules
- Filing history: 9 filing years from 2016 to 2025
- Contacts: How to reach this organization
- Money network: 2 filed money-flow records
- 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: Revenue growth scored 0/100.
- Review — Sustainability: Operating margin scored 53/100.
- Moderate — Sustainability: Total-asset coverage ratio scored 45/100.
- High — Sustainability: Officer compensation ratio scored 10/100.