Skip to the page content
Your donations
Passes our checks

University of California Home Loan Program Corporation

EIN 46-5081042 · Oakland, CA

Public records show a registered, tax-exempt organization in good standing.

LegitimacyPassesRegistration and standingFinancial healthFair56 out of 100GovernanceFair55 out of 100Impact evidenceDescribes programsHow well its results are evidenced

Points to look into

  • It reported loans to or from officers, directors or other insiders.

These come from the organization's own tax return. There may be a good explanation; ask the charity.

What it says it does

THE ORGANIZATION PERFORMS THE LOAN ORIGINATION FUNCTIONS ASSOCIATEDWITH THE UNIVERSITY OF CALIFORNIA'S HOUSING ASSISTANCE PROGRAM. THEMISSION OF THE PROGRAM IS TO PROVIDE MORTGAGE LOAN ASSISTANCE INSUPPORT OF THE RECRUITMENT AND RETENTION OF FACULTY AND SENIORMANAGERS.

Income
$66.5 million
Spending
$74.8 million
Spent on programs
100%
Reserves
3.6 months of spending
Largest source of income
fees for its services, 98%
Employees
0
Volunteers
0
Highest pay
$1.3 million, president, director

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

Fair: 56 out of 100. Higher than 44% of charities in its peer group (education, $10m to $100m).

  • Reserves

    20 of 35

    Spendable reserves would cover 3.6 months of spending.

  • Debt

    2 of 20

    It owes 99% of what it owns.

  • Living within its means

    4 of 15

    Spending exceeded income by 12% of income.

  • Income trend

    15 of 15

    Income rose 71% on the year before.

  • Spending floor

    15 of 15

    100% of spending went to programs.

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

Governance

Fair: 55 out of 100. Higher than 1% of charities in its peer group (education, $10m to $100m).

  • Independent board

    5 of 25

    0 of 5 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

    0 of 10

    Did not give the board a copy of this return before filing it.

  • Pay set independently

    0 of 5

    Reports no independent review process for its chief executive's pay.

  • Independent check of accounts

    15 of 15

    Its accounts were audited by an independent accountant.

  • No reported misuse

    0 of 10

    Reports at least one of: diversion of assets, excess benefits, 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 (1)
  1. $74.7 million spent. SEE SCHEDULE OTHE UNIVERSITY OF CALIFORNIA HOME LOAN PROGRAM CORPORATION (UCHLP) ADMINISTERS THE MORTGAGE LENDING ACTIVITIES OF THE UNIVERSITY OF THE UNIVERSITY OF CALIFORNIA HOME LOAN PROGRAM CORPORATION (UCHLP) CALIFORNIA'S MORTGAGE PROGRAM FOR FACULTY AND CERTAIN SENIOR MANAGERS. THE DAILY ACTIVITIES OF UCHLP ARE CARRIED OUT BY EMPLOYEES OF THE UNIVERSITY OF CALIFORNIA'S OFFICE OF LOAN PROGRAMS PURSUANT TO A SERVICES AGREEMENT BETWEEN UCHLP AND THE REGENTS OF THE UNIVERSITY OF CALIFORNIA. FOR THE FISCAL YEAR ENDED JUNE 30, 2025, 371 FIRST DEED MORTGAGES WERE FUNDED WITH AN AGGREGATE DOLLAR AMOUNT OF $358.6 MILLION, AND 121 SECOND TRUST DEED MORTGAGES WERE FUNDED WITH AN AGGREGATE DOLLAR AMOUNT OF $13.02 MILLION. THE PRIMARY EXPENSE ASSOCIATED WITH THE CORPORATION IS INTEREST EXPENSE ON ADVANCES FROM THE UNIVERSITY.

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? Passed.

    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 November 2015.

    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.

Ratings and checks are our reading of public records, using the published method. They are not a statement about anyone's honesty. If you work for this organization, you can send corrections or results, confirm you want gifts through Veridonate, or ask to be removed from giving.