Skip to content
Nonprofiteer
← All organizations

TCHFH LENDING INC

EIN 81-1958719 SAINT PAUL, MN

Largest nonprofits in Minnesota

Revenue 2024
$11,251,491
Expenses 2024
$4,659,990

Program services were 91.4% of total expenses calculated — Part IX's program-services column over total expenses, both as filed.

As filed

Subsection
03
Classification
1000
Street
1954 UNIVERSITY AVE W

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).

Group exemption

A subordinate covered by the group exemption of HABITAT FOR HUMANITY INTERNATIONAL INC (EIN 91-1914868). matched by us

The IRS lists each organization's group exemption number; we match a subordinate to its central organization by that number and the affiliation code the IRS assigns.

Mission and programs · 2024

Mission

THE MISSION OF TCHFH LENDING, INC. IS TO HELP THOSE UNDERSERVED BY THE TRADITIONAL MORTGAGE INDUSTRY ATTAIN HOMEOWNERSHIP THROUGH ITS AFFORDABLE MORTGAGE PROGRAM.

Activities or mission (Part I)

PROVIDING AFFORDABLE HOME MORTGAGES TO HELP THE UNDERSERVED ATTAIN HOMEOWNERSHIP

  • TWIN CITIES HABITAT FOR HUMANITY IS THE SOLE MEMBER OF THE TCHFH LENDING INC. CORPORATION; TOGETHER THE TWO ORGANIZATIONS WORK IN PARTNERSHIP TO MAKE DECENT, AFFORDABLE HOMEOWNERSHIP POSSIBLE FOR LOW AND MODERATE INCOME HOUSEHOLDS ACROSS THE TWIN CITIES SEVEN-COUNTY METRO. TCHFH LENDING, INC. ORIGINATES AFFORDABLE MORTGAGES, SERVICES RESIDENTIAL MORTGAGE LOANS, AND PROVIDES DOWN PAYMENT AND CLOSING COST ASSISTANCE TO FIRST-TIME HOMEBUYERS. ITS PRIMARY PROGRAM IS TO FINANCE RESIDENTIAL MORTGAGES TO A TARGET MARKET OF LOW INCOME HOUSEHOLDS FOR THE PURCHASE OF A HABITAT-BUILT HOME OR A MOVE-IN READY HOME. THE ORGANIZATION WAS INCORPORATED IN FY16 AND CERTIFIED AS A COMMUNITY DEVELOPMENT FINANCIAL INSTITUTION IN 2018. IN FY25, THE CDFI FINANCED $23 MILLION IN FIRST MORTGAGES SUPPORTING 113 FIRST TIME HOMEBUYERS.

    Expenses $1,845,031 · Grants $798,400

  • TCHFH LENDING, INC. PROVIDES DOWN PAYMENT AND CLOSING COST ASSISTANCE GRANTS TO ELIGIBLE LOW-INCOME HOMEBUYERS AND FACILITATES THIRD-PARTY DOWN PAYMENT ASSISTANCE PROGRAMS AND SUBORDINATE LOANS. LOANS AND GRANTS WERE GIVEN TO 268 HOMEBUYERS IN FY25, INCLUDING 113 HABITAT CLIENTS AND 155 CLIENTS ACCESSING REGION-WIDE DPA PROGRAMS WHERE LENDING INC. ACTED AS ADMINISTRATOR OR DPA ORIGINATOR.TCHFH LENDING, INC. IS COMMITTED TO FOSTERING INCLUSIVE COMMUNITIES AND ADVANCING HOMEOWNERSHIP OPPORTUNITIES FOR ALL. TCHFH LENDING, INC. EXPANDED DOWN PAYMENT ASSISTANCE SUPPORT TOHOMEBUYERS BY PARTICIPATING IN TWO REGION-WIDE DOWN PAYMENT ASSISTANCE PROGRAMS. CLIENTS OUTSIDE OF THE TC HABITAT HOMEOWNERSHIP PROGRAM RECEIVED DPA SUPPORT IN THE FORM OF FORGIVABLE ANDREPAYABLE LOANS, AND POST-PURCHASE COACHING AND SAVINGS SUBSIDIES. THROUGH THESE PROGRAMS, 155 ADDITIONAL FIRST-TIME HOMEBUYERS WERE SUPPORTED IN PURCHASING THEIR FIRST HOME TO CREATE PATHWAYS TO LONG-TERM FINANCIAL STABILITY AND GENERATIONAL WEALTH.

    Expenses $1,627,836 · Grants $1,627,836

  • TCHFH LENDING, INC. SERVICES RESIDENTIAL MORTGAGES IT ORIGINATES AND SERVICES EXISTING LOANS PREVIOUSLY ORIGINATED BY ITS PARENT ENTITY, TWIN CITIES HABITAT FOR HUMANITY, INC. THE ORGANIZATION SERVICED 1,450 LOANS IN FY25.

    Expenses $786,371 · Grants $199,600 · Revenue $1,305,676

As filed on the 2024 return. The filer continues this part on Schedule O, which is not shown here.

Officers and directors · 2024

As listed in Part VII of the 2024 return, in the order the filer printed them. Each return names its own; this is not a roster the organization keeps with us.

  • Delinda Washington

    BOARD CHAIR

    Total calculated
    $0
    Hours/week
    0.5 + 1 related

  • Jonathan Sage-Martinson

    BOARD VICE CHAIR

    Total calculated
    $0
    Hours/week
    0.5 + 1 related

  • Eric Skalland

    DIRECTOR

    Total calculated
    $0
    Hours/week
    0.5 + 1 related

  • Anne Behrendt

    DIRECTOR

    Total calculated
    $0
    Hours/week
    0.5 + 1 related

  • Brandon Berg

    DIRECTOR

    Total calculated
    $0
    Hours/week
    0.5 + 1 related

  • Scott Hietpas

    DIRECTOR

    Total calculated
    $0
    Hours/week
    0.5 + 1 related

  • Bruce Paradis

    DIRECTOR

    Total calculated
    $0
    Hours/week
    0.5 + 1 related

  • Kirstin Burch

    DIRECTOR

    Total calculated
    $0
    Hours/week
    0.5 + 1 related

  • Nicki Donlon

    DIRECTOR

    Total calculated
    $0
    Hours/week
    0.5 + 1 related

  • Devon Pohlman

    DIRECTOR

    Total calculated
    $0
    Hours/week
    0.5 + 1 related

  • Robyn Bipes-Timm

    PRESIDENT

    Total calculated
    $352,646
    From this org
    $0
    From related orgs
    $283,554
    Other
    $69,092
    Hours/week
    6 + 34 related

    Schedule J breakdown matched by us

    Base
    $0 + $283,554 related
    Bonus
    $0
    Other
    $0
    Deferred
    $0 + $11,342 related
    Nontaxable benefits
    $0 + $57,750 related
    Filer's total
    $0 + $352,646 related

  • Betsy Mills

    SECRETARY

    Total calculated
    $208,821
    From this org
    $0
    From related orgs
    $153,388
    Other
    $55,433
    Hours/week
    16 + 24 related

    Schedule J breakdown matched by us

    Base
    $0 + $153,388 related
    Bonus
    $0
    Other
    $0
    Deferred
    $0 + $6,136 related
    Nontaxable benefits
    $0 + $49,297 related
    Filer's total
    $0 + $208,821 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

  • 2024
    Revenue
    $11,251,491
    Expenses
    $4,659,990
    Contributions
    $9,737,196
    Grants paid
    $2,625,836
  • 2023
    Revenue
    $5,304,661
    Expenses
    $3,480,711
    Contributions
    $4,015,779
    Grants paid
    $1,850,832
  • 2022
    Revenue
    $2,466,684
    Expenses
    $1,723,538
    Contributions
    $1,322,431
    Grants paid
    $54,636

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
    $2,448,749
    Expenses
    $1,272,650
    Assets (EOY)
    $7,779,735

  • 2020 · 990

    Revenue
    $899,815
    Expenses
    $920,457
    Assets (EOY)
    $5,329,123

  • 2019 · 990

    Revenue
    $1,217,535
    Expenses
    $1,070,852
    Assets (EOY)
    $4,605,810

  • 2018 · 990

    Revenue
    $1,104,416
    Expenses
    $944,416
    Assets (EOY)
    $6,467,468

  • 2017 · 990

    Revenue
    $1,087,724
    Expenses
    $892,724
    Assets (EOY)
    $3,992,432

  • 2016 · 990

    Revenue
    $1,116,014
    Expenses
    $946,014
    Assets (EOY)
    $1,467,605

  • 2015 · 990-EZ

    Revenue
    $0
    Expenses
    $0
    Assets (EOY)
    $0

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.

Grants made

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

Where these grants went next →

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 on its 2024 return

Declared as related by

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

Not present in the most recent drop.

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 1 November 2026, for every organization at once. Returns through tax year 2024, the newest we have parsed for this organization.