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JUSTINE PETERSEN HOUSING AND REINVESTMENT CORPORATION

EIN 43-1769074 ST LOUIS, MO

Revenue 2023
$15,013,997
Expenses 2023
$11,788,764

Program services were 94.6% of total expenses calculated — Part IX's program-services column over total expenses, both as filed.

As filed

Subsection
03
NTEE code
L80
Classification
1200
Street
1023 NGRAND BLVD

These codes are the IRS's own and are shown exactly as filed. What each one means is in the Business Master File documentation (opens in a new tab).

Mission and programs · 2023

Mission

JUSTINE PETERSEN'S MISSION IS TO PROMOTE HOUSING, SAVINGS, AND ECONOMIC DEVELOPMENT OF LOW AND MODERATE INCOME FAMILIES TO BUILD ASSETS AND CREATE ENDURING CHANGE.

Activities or mission (Part I)

CREATE ENDURING CHANGE FOR LOW/MODERATE INCOME FAMILIES VIA HOUSING, SAVINGS AND ECONOMIC DEV.

  • TECHNICAL ASSISTANCE AND LENDING TO SMALL BUSINESSES AND MICRO-ENTERPRISES. AS THE NATION'S LARGEST SBA MICRO-LOAN INTERMEDIARY, JUSTINE PETERSEN BORROWS MONEY DIRECTLY FROM THE SBA AND ORIGINATES MICRO-ENTERPRISE LOANS UNDER $50,000 IN ACCORDANCE WITH ITS OWN UNDERWRITING GUIDELINES TO SMALL BUSINESS OWNERS THAT MAY NOT BE ABLE TO SECURE CAPITAL ELSEWHERE. JUSTINE PETERSEN PARTICIPATES IN THE USDA INTERMEDIARY RELENDING PROGRAM FOR ITS RURAL LENDING. JUSTINE PETERSEN AND ITS SUBSIDIARY, GREAT RIVERS COMMUNITY CAPITAL, ARE BOTH TREASURY-CERTIFIED COMMUNITY DEVELOPMENT FINANCIAL INSTITUTIONS (CDFI) AND ORIGINATE MICRO-ENTERPRISE AND SMALL BUSINESS LOANS. GEOGRAPHICALLY, JUSTINE PETERSEN/GREAT RIVERS CURRENTLY OFFER MICROENTERPRISE/SMALL BUSINESS LOANS IN 73 ILLINOIS AND 28 KANSAS COUNTIES AND THE ENTIRE STATE OF MISSOURI. IN 2023, JUSTINE PETERSEN AND ITS SUBSIDARY PROVIDED TECHNICAL ASSISTANCE AND ORIGINATED NEARLY $40 MILLION IN OVER 1,000 MICRO-ENTERPRISE AND SMALL BUSINESS LOANS AND ORIGINATED OVER $2.2 MILLION IN 758 CONSUMER LOANS.

    Expenses $8,960,562 · Revenue $4,711,924

  • HOUSING - AS A HUD CERTIFIED HOUSING COUNSELING AGENCY, COUNSELORS ASSIST LOW TO MODERATE INCOME FAMILIES AND INDIVIDUALS TO ADDRESS CREDIT AND OTHER BARRIERS TO PURCHASING OR REFINANCING A HOME. JUSTINE PETERSEN IMPLEMENTS FINANCIAL COUNSELING, STRATEGIES AND PRODUCTS INCLUDING BUDGETING, FINANCIAL EDUCATION, LOAN COUNSELING AND HOMEBUYER EDUCATION TO ASSIST HOMEOWNERS STRUGGLING TO PAY THEIR MORTGAGES AND NEGOTIATING WITH THEIR LENDER.

    Expenses $1,556,593

  • SAVINGS - JUSTINE PETERSEN BELIEVES THAT A STRONG CREDIT PROFILE IS ONE'S MOST IMPORTANT FINANCIAL ASSET AND OUR COUNSELORS TEACH HOW TO BUILD AND MAINTAIN A STRONG CREDIT PROFILE. IN 2023, 2,030 LOW AND MODERATE INDIVIDUALS PARTICIPATED IN JUSTINE PETERSEN CREDIT BUILDING SERVICES. AS A LEADER IN THE CREDIT BUILDING AND FINANCIAL CAPABILITY FIELD, JUSTINE PETERSEN TEACHES FINANCIAL COUNSELORS ACROSS THE COUNTRY HOW TO OFFER CREDIT BUILDING SERVICES THROUGH OUT CREDIT BUILDING NATION INITIATIVE.

    Expenses $638,634

As filed on the 2023 return.

Officers and directors · 2023

As listed in Part VII of the 2023 return, in the order the filer printed them. Each return names its own; this is not a roster the organization keeps with us.

  • ALLAN D IVIE IV

    TREASURER

    Total calculated
    $0
    Hours/week
    3 + 3 related

  • EDDIE DAVIS

    PRESIDENT

    Total calculated
    $0
    Hours/week
    3 + 3 related

  • ROCHELLE BEA

    SECRETARY

    Total calculated
    $0
    Hours/week
    3 + 3 related

  • ANGELA BURRAGE

    MEMBER

    Total calculated
    $0
    Hours/week
    2 + 2 related

  • JACQUELINE HUTCHINSON

    MEMBER

    Total calculated
    $0
    Hours/week
    2 + 2 related

  • ROBERT BOYLE

    CHIEF EXECUTIVE OFFICER

    Total calculated
    $202,949
    From this org
    $190,000
    From related orgs
    $0
    Other
    $12,949
    Hours/week
    40 + 1 related

    Schedule J breakdown matched by us

    Base
    $175,000
    Bonus
    $15,000
    Other
    $0
    Deferred
    $5,811
    Nontaxable benefits
    $7,138
    Filer's total
    $202,949

  • SHERI FLANIGAN-VAZQUEZ

    CHIEF OPERATING OFFICER

    Total calculated
    $254,815
    From this org
    $227,550
    From related orgs
    $0
    Other
    $27,265
    Hours/week
    40 + 1 related

    Schedule J breakdown matched by us

    Base
    $208,950
    Bonus
    $18,600
    Other
    $0
    Deferred
    $7,964
    Nontaxable benefits
    $19,301
    Filer's total
    $254,815

  • AIDA RICHARDSON

    CHIEF LENDING OFFICER

    Total calculated
    $190,510
    From this org
    $183,000
    From related orgs
    $0
    Other
    $7,510
    Hours/week
    40 + 1 related

    Schedule J breakdown matched by us

    Base
    $168,000
    Bonus
    $15,000
    Other
    $0
    Deferred
    $6,405
    Nontaxable benefits
    $1,105
    Filer's total
    $190,510

  • SONIA SMITH

    DIRECTOR OF FINANCE

    Total calculated
    $103,795
    From this org
    $103,795
    From related orgs
    $0
    Other
    $0
    Hours/week
    40 + 1 related

  • TRISTAN BROWN

    IL Market Manager

    Total calculated
    $126,625
    From this org
    $114,675
    From related orgs
    $0
    Other
    $11,950
    Hours/week
    40 + 1 related

Compensation is as filed in Part VII: reportable pay from this organization and from related organizations, other compensation, and hours per week. The total, marked calculated, is our sum of the three dollar columns, with a blank column counted as $0; the form itself has no total. On a Form 990-EZ the columns are Part IV's instead, and on a Form 990-PF Part VIII's — compensation, contributions to benefit plans, and expense account — and the total sums those. A Schedule J breakdown is as filed: base pay, bonus, other, deferred compensation and nontaxable benefits from this organization, with any from related organizations beside each, and the filer's own total. It is shown with the Part VII listing of the same name on the same return. The form gives no key between the two, so that pairing is ours, and is marked matched by us. Earlier years are each on their own filing page.

Filings

  • 2023
    Revenue
    $15,013,997
    Expenses
    $11,788,764
    Contributions
    $10,302,073
    Grants paid
    $0
  • 2022
    Revenue
    $9,337,876
    Expenses
    $8,386,430
    Contributions
    $5,907,342
    Grants paid
    $0

The four totals the IRS asks for on Part I of the Form 990, as filed. A dash means the figure was not present on the return — not that it was zero.

Other returns filed

  • 2021 · 990

    Revenue
    $7,649,655
    Expenses
    $5,817,969
    Assets (EOY)
    $49,338,747

  • 2020 · 990

    Revenue
    $12,413,368
    Expenses
    $5,773,520
    Assets (EOY)
    $54,488,467

  • 2019 · 990

    Revenue
    $4,782,117
    Expenses
    $5,550,635
    Assets (EOY)
    $30,246,509

  • 2018 · 990

    Revenue
    $5,666,871
    Expenses
    $5,571,441
    Assets (EOY)
    $28,848,589

  • 2017 · 990

    Revenue
    $6,457,318
    Expenses
    $5,416,513
    Assets (EOY)
    $29,226,640

  • 2016 · 990

    Revenue
    $6,101,437
    Expenses
    $4,944,003
    Assets (EOY)
    $27,526,853

  • 2015 · 990

    Revenue
    $3,952,001
    Expenses
    $3,365,141
    Assets (EOY)
    $23,198,870

  • 2014 · 990

    Revenue
    $3,351,179
    Expenses
    $2,807,032
    Assets (EOY)
    $20,877,443

  • 2013 · 990

    Revenue
    $2,901,114
    Expenses
    $2,391,776
    Assets (EOY)
    $16,746,688

  • 2012 · 990

    Revenue
    not reported
    Expenses
    $1,747,076
    Assets (EOY)
    $13,404,825

Nonprofiteer parses Forms 990, 990-EZ and 990-PF, in a window of recent tax years. These returns are recorded from the IRS e-file index, so their figures were extracted by that index rather than read from the return here — treat them as a different source from the filings above, not as more of the same record. A dash means the index carries no figure; Form 990-T listings carry none at all. Showing the 10 most recent; the API carries the rest.

Grants made

No itemized grants to organizations. Schedule I is filed only by organizations that granted more than $5,000 to a recipient, so most filers have none.

Grants received

The 10 largest by cash amount. The API serves every itemized grant.

Related organizations

From Schedule R Part II, where a filer lists the tax-exempt organizations it is related to by control. It does not record shared board members or money.

Declared as related by

Taxable family

From Schedule R Parts I, III and IV: entities that legally are the filer, and taxable partnerships, corporations and trusts it is related to. These record ownership and control, not shared board members or money.

Disregarded entities on its 2023 return

Related partnerships on its 2023 return

Related corporations and trusts on its 2023 return

Other IRS files

Auto-Revocation List

Not listed. The IRS publishes this list for organizations whose exemption was automatically revoked for failing to file for three consecutive years.

Publication 78

Listed as of 13 October 2026, under deductibility PC.

These are two separate IRS files on two separate schedules, shown as published and not reconciled with each other. Neither is a statement about whether a contribution is deductible today: 19,245 organizations appear in Publication 78 while the IRS's own revocation file lists them as currently revoked, more than half of those revoked before 2019. Absence from Publication 78 is evidence of nothing, and presence is not evidence either. Verify current status with the IRS before relying on it.

What this page reflects

The registration facts above come from the IRS Business Master File published 13 October 2026 and read 23 October 2026, for every organization at once. Returns through tax year 2023, the newest we have parsed for this organization.