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Nhs Lending Inc

EIN 82-0532242 · Boise, ID

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

LegitimacyPassesRegistration and standingFinancial healthFair68 out of 100GovernanceStrong95 out of 100Impact evidenceDescribes programsHow well its results are evidenced

What it says it does

TO LEAD IN CREATING INNOVATIVE HOUSING SOLUTIONS FOR UNDERSERVED POPULATIONS THROUGH STRATEGIC PARTNERSHIPS THAT CONTRIBUTE TO BUILDING STRONGER COMMUNITIES.

Income
$268,002
Spending
$502,258
Spent on programs
80%
Reserves
100.9 months of spending
Largest source of income
fees for its services, 53%
Employees
0
Volunteers
8
Highest pay
$127,350, ceo

Source: Form 990 for the year ending December 31, 2024, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Financial health

Fair: 68 out of 100. Higher than 66% of charities in its peer group (housing, $250k to $1m).

  • Reserves

    35 of 35

    Spendable reserves would cover 100.9 months of spending.

  • Debt

    20 of 20

    It owes 9% of what it owns.

  • Living within its means

    0 of 15

    Spending exceeded income by 87% of income.

  • Income trend

    5 of 15

    Income fell 19% on the year before.

  • Spending floor

    8 of 15

    80% of spending went to programs and raising each dollar of donations cost 36 cents.

Source: Form 990 for the year ending December 31, 2024, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Governance

Strong: 95 out of 100. Higher than 80% of charities in its peer group (housing, $250k to $1m).

  • Independent board

    25 of 25

    8 of 8 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

    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 December 31, 2024, 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. $401,984 spent. CREATING HOMEOWNERSHIP OPPORTUNITIES AS A NON-PROFIT MORTGAGE LENDER. NHS LENDING HELPS INDIVIDUALS BEGIN BUILDING ASSETS FOR THEIR FUTURE THROUGH SUSTAINABLE HOMEOWNERSHIP. IT PROVIDES SECOND MORTGAGE LOANS IN TANDEM WITH OUR PARTNER LENDERS' FIRST MORTGAGES. AS A CDFI, NHS LENDING CAN ALSO DEPLOY FIRST MORTGAGES. BY LAYERING LOANS, NWB CAN LEVERAGE CAPITAL FUNDING TO OFFER QUALIFYING BUYERS AT LMI LEVELS THE RESOURCES TO BECOME SUCCESSFUL HOMEOWNERS. NWB UNDERWRITING CRITERIA ARE MORE FLEXIBLE, CREDIT SCORE REQUIREMENTS AND FEE ASSESSMENTS ARE LOWER THAN THOSE OF TRADITIONAL LENDERS, AND WE CAN PROVIDE ADDITIONAL DOWN PAYMENT AND CLOSING COST OPPORTUNITIES TO OUR LENDING CLIENTS AS WELL.

Source: Form 990 for the year ending December 31, 2024, 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 December 2024.

    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 May 2003.

    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.