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Laredo-Webb Neighborhood Housing Services Inc

EIN 74-2611475 · Laredo, TX

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

LegitimacyPassesRegistration and standingFinancial healthGood85 out of 100GovernanceStrong90 out of 100Impact evidenceDescribes programsHow well its results are evidenced

What it says it does

LWNHS ACTIVELY PROMOTES HOMEOWNERSHIP, FORECLOSURE PREVENTION, CONSUMER LENDING, PROVIDES AFFORDABLE HOUSING FINANCIAL CAPABILITIES PROGRAM WITH FOCUS ON CREDIT COACHING, COMBAT COMMUNITY DETERIORATION AND TO SECURE DECENT, SAFE AND SANITY HOUSING COMMUNITY FACILITIES

Income
$1.7 million
Spending
$1.6 million
Spent on programs
67%
Reserves
3.5 months of spending
Largest source of income
government grants, 67%
Employees
6
Volunteers
12
Highest pay
$131,976, chief executive officer

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

Financial health

Good: 85 out of 100. Higher than 73% of charities in its peer group (housing, $1m to $10m).

  • Reserves

    20 of 35

    Spendable reserves would cover 3.5 months of spending.

  • Debt

    20 of 20

    It owes 14% of what it owns.

  • Living within its means

    15 of 15

    Income exceeded spending by 6% of income.

  • Income trend

    15 of 15

    Income rose 17% on the year before.

  • Spending floor

    15 of 15

    67% of spending went to programs and raising each dollar of donations cost 5 cents.

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

Governance

Strong: 90 out of 100. Higher than 51% of charities in its peer group (housing, $1m to $10m).

  • Independent board

    25 of 25

    11 of 11 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

    0 of 5

    Reports that it does not keep 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

    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

    10 of 10

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

Source: Form 990 for the year ending September 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. $684,911 spent. OTHER PROGRAMS
  2. $196,727 spent. COUNSELING: AS THE ONLY HUD APPROVED HOUSING COUNSELING AGENCY IN THE COUNTY OF WEBB, NEIGHBORWORKS LAREDO PROVIDES COUNSELING SERVICES THROUGH ITS OWNERSHIP CENTER. THE COUNSELING SERVICES PROVIDED INCLUDE HOMEBUYER EDUCATION AND COUNSELING, FORECLOSURE MITIGATION COUNSELING, CREDIT COUNSELING, RENTAL COUNSELING AND POST-PURCHASE COUNSELING.
  3. $88,117 spent. LOAN SERVICES: NEIGHBORWORKS LAREDO PREVIOUSLY PROVIDED SECURED LOANS FOR DOWN PAYMENT ASSISTANCE, CLOSING COST ASSISTANCE, AND HOME IMPROVEMENTS TO QUALIFYING CLIENTS. COMMUNITY LOAN CENTER OF LAREDO (CLC OF LAREDO): IN 2020, NEIGHBORWORKS LAREDO COMMENCED ITS LENDING OPERATIONS OF UNCOLLATERALIZED CONSUMER LOAN PROGRAM TO COMBAT PREDATORY LENDING. THE COMMUNITY LOAN CENTER AFFORDABLE SMALL-DOLLAR LOAN PROGRAM (CLC) IS A BETTER ALTERNATIVE TO EXPENSIVE PAYDAY AND AUTO TITLE LOANS. CREATED BY COMMUNITY LENDERS, THE CLC PROGRAM IS DESIGNED TO BE A SCALABLE AND SUSTAINABLE SOCIAL ENTERPRISE. THE CLC PROGRAM ALLOWS THE CLC OF LAREDO TO MAKE ONLINE LOANS DIRECTLY TO EMPLOYEES OF PARTICIPATING EMPLOYERS. AN ELIGIBLE EMPLOYEE MAY APPLY FOR A CLC LOAN ONLINE.
  4. $63,785 spent. REAL ESTATE MANAGEMENT: IN 2018 NEIGHBORWORKS LAREDO PLACED A PAUSE ON DEVELOPING RENTAL REAL ESTATE BECAUSE IT WAS NOT 100% PROPERTY TAX EXEMPT. HOWEVER, ON AUGUST 3, 2023 THE WEBB COUNTY APPRAISAL DISTRICT APPROVED THE 100% PROPERTY EXEMPTION. CURRENTLY ALL THE REAL ESTATE INVESTMENTS ARE HELPING PRODUCE ADDITIONAL RENTAL UNITS IN 2017 FOR ADALBERTO BETO NAVA COMPLEX, PHASE II INCREASING RENTAL PORTFOLIO TO 67 RENTAL UNITS. ON NOVEMBER 2016 NEIGHBORWORKS LAREDO ACQUIRED A 2.59 ACRE TRACT OF LAND FROM THE CITY OF LAREDO FOR THE DEVELOPMENT OF A 40 UNIT VETERAN, SENIOR, AND MULTI-FAMILY HOUSING CONSTRUCTION PROJECT. RENTAL CONSTRUCTION PLANS DID NOT MATERIALIZE, HOWEVER NEIGHBORWORKS LAREDO IS NOW DEVELOPING A 24 AFFORDABLE HOME PROJECT KNOWN AS THREE POINTS VILLAGE.

Source: Form 990 for the year ending September 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 November 6, 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 September 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 1996.

    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 November 4, 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.