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Habitat for Humanity International Inc

EIN 41-1889904 · Saint Paul, MN

Public records raise at least one point you should look into before giving.

LegitimacyCautionRegistration and standingFinancial healthGood82 out of 100GovernanceStrong100 out of 100Impact evidenceDescribes programsHow well its results are evidenced

What it says it does

HABITAT FOR HUMANITY BRINGS PEOPLE TOGETHER TO BUILD HOMES, COMMUNITY, AND HOPE. THROUGH ADVOCACY, COLLABORATION, AND LEADERSHIP, HFH-MN ADVANCES THE WORK OF MINNESOTA'S HABITAT FOR HUMANITY AFFILIATES TO CREATE AND PRESERVE AFFORDABLE HOMEOWNERSHIP. (CONTINUED ON SCH O)HABITAT MINNESOTA IS A STATEWIDE RESOURCE DEVELOPMENT AND SUPPORT ORGANIZATION THAT ADVOCATES FOR AND ADVANCES THE WORK OF MINNESOTA'S HABITAT FOR HUMANITY AFFILIATES. HABITAT MINNESOTA FOCUSES ON SYSTEM CHANGE AND BOLSTERS THE HABITAT NETWORK IN MINNESOTA, WITH THE GOAL OF A THRIVING, SUSTAINABLE, AND EFFICIENT NETWORK OF AFFORDABLE HOMEOWNERSHIP PROVIDERS IN MINNESOTA. THIS IS ACCOMPLISHED THROUGH FOUR MAIN LINES OF WORK: LENDING AND GRANT PROGRAMS; PUBLIC POLICY AND ADVOCACY EFFORTS; TRAINING AND TECHNICAL ASSISTANCE.

Income
$5.5 million
Spending
$2.5 million
Spent on programs
83%
Reserves
34.6 months of spending
Largest source of income
government grants, 44%
Employees
16
Volunteers
16
Highest pay
$200,948, president & ceo

Source: Form 990 for the year ending June 30, 2025, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Financial health

Good: 82 out of 100.

  • Reserves

    35 of 35

    Spendable reserves would cover 34.6 months of spending.

  • Debt

    2 of 20

    It owes 81% of what it owns.

  • Living within its means

    15 of 15

    Income exceeded spending by 54% of income.

  • Income trend

    15 of 15

    Income rose 198% on the year before.

  • Spending floor

    15 of 15

    83% of spending went to programs and raising each dollar of donations cost 2 cents.

Source: Form 990 for the year ending June 30, 2025, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Governance

Strong: 100 out of 100.

  • Independent board

    25 of 25

    16 of 16 voting board members are independent.

  • Conflict of interest policy

    15 of 15

    Has a written conflict of interest policy.

  • Whistleblower policy

    8 of 8

    Has a written whistleblower policy.

  • Record keeping policy

    7 of 7

    Has a written policy on keeping and destroying records.

  • Board minutes

    5 of 5

    Keeps minutes of board meetings.

  • Board sees the tax return

    10 of 10

    Gave the board a copy of this return before filing it.

  • Pay set independently

    5 of 5

    Sets its chief executive's pay through independent review and comparison.

  • Independent check of accounts

    15 of 15

    Its accounts were audited by an independent accountant.

  • No reported misuse

    10 of 10

    Reports no diversion of assets, excess benefits or loans to insiders.

Source: Form 990 for the year ending June 30, 2025, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Impact evidence

Describes programs. Its tax return describes what it does but we have found no measurable results in it.

Programs described in its return (4)
  1. $674,549 spent. LOAN PROGRAM:THE MAIN PROGRAM OFFERED BY HABITAT FOR HUMANITY OF MINNESOTA (HFH-MN) IS A LOAN PROGRAM THROUGH WHICH WE PROVIDE A SECONDARY MARKET FOR HABITAT MORTGAGES. AS OF JUNE 30, 2025, WE HAVE FINANCED 976 MORTGAGES FOR AFFILIATES FOR TOTAL LOAN DISBURSEMENTS OF $73 MILLION. OVER 2,750 HABITAT FOR HUMANITY HOMES HAVE BEEN SOLD TO PARTNER FAMILIES IN MINNESOTA SINCE THE LATE 1980S. COLLECTIVELY, THESE MORTGAGES TOTAL OVER $100 MILLION IN PRINCIPAL BALANCES. THESE HOMES ARE SOLD WITH 0% INTEREST OR ZERO-EQUIVALENT MORTGAGES. HOMEOWNER MORTGAGE PAYMENTS ARE USED TO BUILD MORE HABITAT HOMES. (CONTINUED ON SCHEDULE O)THE HABITAT MINNESOTA LOAN FUND ALLOWS HFH-MN TO ACT AS A SECONDARY LENDER FOR MINNESOTA HFH MORTGAGES. AFFILIATES PLEDGE THEIR HOMEOWNERS' MORTGAGES AND MONTHLY MORTGAGE PAYMENTS TO THE FUND. IN RETURN, AFFILIATES GET THE CASH VALUE OF THE MORTGAGE RIGHT AWAY, RATHER THAN HAVING TO WAIT 20 TO 30 YEARS FOR THE PAYMENTS TO COME IN. AFFILIATES THEN USE THIS CASH TO ACCELERATE HOME BUILDING, ACQUIRE LAND FOR LARGE-SCALE PROJECTS, AND LEVERAGE SUPPORT FROM OTHERS. ALL PLEDGED MORTGAGES MUST BE GIVEN TO HOMEOWNERS WITH INCOMES AT OR BELOW 80% OF MEDIAN AT THE TIME THE FAMILY WAS SELECTED. A SUBSET OF THIS LOAN FUND WAS APPROVED AND ROLLED OUT IN FY22. HABITAT HOMEBUYERS MAKING EQUAL TO OR LESS THAN 80% AREA MEDIAN INCOME CAN BE QUALIFIED TO RECEIVE DOWNPAYMENT ASSISTANCE IN THE FORM OF A SUBORDINATE MORTGAGE. THIS SUBORDINATE MORTGAGE LOWERS THE FIRST MORTGAGE AMOUNT, MAKING THEIR PAYMENTS MORE AFFORDABLE, AND FUNDS ARE DISBURSED AFTER CLOSING TO THE HABITAT AFFILIATE WHO DEVELOPED AND SOLD THE PROPERTY. THE HOMEOWNER BEGINS AMORTIZED REPAYMENT OF THE SUBORDINATE MORTGAGE ONLY AFTER THE FIRST MORTGAGE HAS BEEN PAID IN FULL. AS OF JUNE 30, 2025, $8 MILLION HAS BEEN DISBURSED FOR THESE PURPOSES.
  2. $387,152 spent. DEVELOPMENT SERVICES:IN FY25, WE HELD A REGIONAL HABITAT CONFERENCE IN PARTNERSHIP WITH STATE-WIDE HABITATS FROM IOWA AND ILLINOIS. 78 HABITAT AFFILIATED ORGANIZATIONS FROM 9 STATES ATTENDED THE CONFERENCE. WE PROVIDED TRAINING THAT INCLUDED LEADERSHIP DEVELOPMENT, COMPLIANCE, NEW STAFF ORIENTATIONS, MONTHLY WEBINARS, AND WEEKLY NETWORKING CALLS. WE PROVIDED TECHNICAL ASSISTANCE THAT INCLUDED SUPPORT ON MORTGAGE ORIGINATION, FUNDRAISING, FINANCE, POLICY APPLICATION, AND BOARD DEVELOPMENT.
  3. $443,989 spent. CAPACITY BUILDING: IN FY25, OUR GRANTING PROGRAM GREW TO A TOTAL OF $301,000 IN GRANTS TO THE MN HABITAT AFFILIATES. $30,800 OF THOSE GRANTS ARE A TITHE TO HABITAT FOR HUMANITY INTERNATIONAL, REPORTED ON FORM 990, PART IX, LINE 21.
  4. $580,030 spent. OTHER PROGRAM SERVICES INCLUDED SUSTAINABLE BUILDING, COST SAVINGS TECHNIQUES, ADVOCACY, MARKETING AND COMMUNICATIONS, AND FUNDRAISING EVENTS.

Source: Form 990 for the year ending June 30, 2025, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Legitimacy checks

  1. Is it registered with the IRS? Passed.

    Listed in the IRS master file of tax-exempt organizations as a 501(c)(3) charitable organization.

    Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.

  2. Has the IRS revoked its tax-exempt status? Passed.

    Not on the IRS automatic revocation list.

    Source: Automatic revocation of exemption list, Internal Revenue Service, file dated October 13, 2026.

  3. Are donations tax-deductible? Caution.

    Not on the IRS list of organizations eligible to receive tax-deductible contributions.

    Source: Publication 78 data: organizations eligible for tax-deductible contributions, Internal Revenue Service, file dated October 13, 2026.

  4. Is it keeping up with its IRS filings? Passed.

    Most recent return on file covers the year ending June 2025.

    Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.

  5. How long has it been tax-exempt? Passed.

    Recognized by the IRS since January 1987.

    Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.

  6. Is it in good standing with state regulators? Passed.

    Not on California's list of charities barred from soliciting. Other states are not yet checked.

    Source: May Not Operate or Solicit for Charitable Purposes list, California Attorney General, Registry of Charities and Fundraisers, file dated October 21, 2026.

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