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Habitat for Humanity International Inc

EIN 84-1066816 · Loveland, CO

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

LegitimacyPassesRegistration and standingFinancial healthGood85 out of 100GovernanceStrong100 out of 100Impact evidenceDescribes programsHow well its results are evidenced

What it says it does

SEEKING TO PUT GOD'S LOVE INTO ACTION, HABITAT FOR HUMANITY BRINGS PEOPLE TOGETHER TO BUILD HOMES, COMMUNITIES AND HOPE TO REALIZE OUR VISION OF A WORLD WHERE EVERYONE HAS A DECENT PLACE TO LIVE. LOVELAND HABITAT FOR HUMANITY ADHERES TO A STRICT NON-PROSELYTIZING POLICY AND WILL NOT OFFER ASSISTANCE ON THE EXPRESSED OR IMPLIED CONDITION THAT PEOPLE MUST ADHERE TO OR CONVERT TO A PARTICULAR FAITH OR LISTEN AND RESPOND TO MESSAGING DESIGNED TO INDUCE CONVERSION TO A PARTICULAR FAITH.

Income
$3.4 million
Spending
$2.9 million
Spent on programs
84%
Reserves
35.4 months of spending
Largest source of income
other income, 36%
Employees
36
Volunteers
756
Highest pay
$34,935, executive director 9/24-5/25

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: 85 out of 100.

  • Reserves

    35 of 35

    Spendable reserves would cover 35.4 months of spending.

  • Debt

    20 of 20

    It owes 8% of what it owns.

  • Living within its means

    15 of 15

    Income exceeded spending by 14% of income.

  • Income trend

    0 of 15

    Income fell 44% on the year before.

  • Spending floor

    15 of 15

    84% of spending went to programs and raising each dollar of donations cost 19 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

    6 of 6 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 (2)
  1. $1.6 million spent. HOME CONSTRUCTION: LOVELAND HABITAT FOR HUMANITY BUILDS SAFE, DECENT, AND AFFORDABLE HOMES FOR QUALIFIED HOMEBUYERS WHO EARN BETWEEN 40%-80% OF THE ANNUAL AREA MEDIAN INCOME AS DEFINED BY HUD. OUR HOME CONSTRUCTION PROGRAM ALLOWS FOR INDIVIDUALS AND FAMILIES TO IMPROVE THEIR LIVING CONDITIONS, STRENGTHEN THE COMMUNITY, AND ENHANCE HEALTH AND EDUCATION OUTCOMES FOR THEMSELVES AND THEIR CHILDREN. SINCE 1987, LHFH HAS SERVED MORE THAN 179 HOMEBUYERS THROUGH THE HOME CONSTRUCTION PROGRAM. BETWEEN JULY 1, 2024, AND JUNE 30, 2025, LHFH COMPLETED AND SOLD 2 HOMES TO QUALIFIED HOMEOWNERS AND HAD 6 ADDITIONAL HOMES UNDER CONSTRUCTION, EACH ASSIGNED TO AN ELIGLBLE HOMEBUYER.HOME FINANCING PROGRAM: LOVELAND HABITAT FOR HUMANITY CURRENTLY SERVICES A MORTGAGE PORTFOLIO OF 25 MORTGAGES. THESE MORTGAGES BELONG TO HOMEOWNERS WHO HAVE PARTICIPATED IN THE HOMEOWNERSHIP EDUCATION PROGRAM. EACH MORTGAGE HOLDER ALSO INVESTS UP TO 200 HOURS OF SWEAT EQUITY AS A PARTICIPANT IN THE HOMEOWNERSHIP PROGRAM BEFORE QUALIFYING TO PURCHASE THEIR HOME. HOMES ARE SOLD TO LOW TO MODERATE INCOME INDIVIDUALS AND FAMILIES WHOSE INCOME QUALIFY FOR THE LHFH PROGRAM. MORTGAGES ARE STRUCTURED SO THAT FAMILIES PAY 30% OF THEIR MONTHLY INCOME TOWARD HOUSING COSTS. LHFH OFFERS A ZERO PERCENT INTEREST ON THESE LOANS. FINANCIAL AND HOMEBUYER EDUCATION PROGRAMS: AS A PART OF THE HOMEOWNERSHIP PROCESS, WE BELIEVE FINANCIAL EDUCATION BUILDS A MORE SOLID FOUNDATION FOR LONG TERM SUCCESS AND HELPS ALLEVIATE ANY CONCERNS OR BARRIERS ON THE PATH TO HOMEOWNERSHIP. DURING THE FINANCIAL EDUCATION CLASSES, WE COVER TOPICS LIKE BUDGETING, UNDERSTANDING AND MANAGING CREDIT, DEBT AND LOANS, SAVINGS, INVESTING AND PLANNING FOR THE FUTURE, AND UNDERSTANDING HABITAT MORTGAGES. A MORE IN-DEPTH UNDERSTANDING OF THESE IMPORTANT CONCEPTS IS A TOOL THAT CAN BE USED TO BUILD A BETTER FUTURE. OVERALL, LOVELAND HABITAT FOR HUMANITY HAS CONDUCTED MORE THAN 40 FINANCIAL AND HOMEBUYER WORKSHOPS IN PERSON AND ONLINE AS OF FY 2025.
  2. $884,616 spent. COMMUNITY ENGAGEMENT: WE WORK WITH A WIDE RANGE OF COMMUNITY PARTNERS TO CREATE, PRESERVE, AND PROMOTE AFFORDABLE HOUSING. NUMEROUS VOLUNTEERS CONTRIBUTE TO ALL PHASES OF OUR MISSION WORK. MORE THAN 700 VOLUNTEERS CONTRIBUTED MORE THAN 20,000 HOURS TO OUR PROGRAM THIS PAST YEAR.LOVELAND HABITAT FOR HUMANITY RESTORE: LOVELAND HABITAT RESTORE IS A HOME GOODS STORE SUPPORTED BY LOCAL DONATIONS AND SMALL AMOUNTS OF NEWLY PURCHASED PRODUCT THAT ARE THEN SOLD TO THE PUBLIC AT REDUCED PRICES. BY SELLING MOSTLY GENTLY USED ITEMS, LHFH RESTORE REDUCES LANDFILL BURDEN, PROVIDES EMPLOYMENT OPPORTUNITIES, AND ENCOURAGES VOLUNTEERISM THROUGH ITS STOREFRONT OPERATION. DURING THE FISCAL YEAR, LHFH RESTORE HELPED DIVERT MORE THAN 500 TONS OF WASTE OUT OF THE LANDFILL, EMPLOYED 20 STAFF, HOSTED OVER 250 VOLUNTEERS, AND PROVIDED AFFORDABLE HOME GOODS TO OVER 72,000 SHOPPERS. FUNDS GENERATED THROUGH THE SALE OF DONATED ITEMS TOGETHER WITH OTHER REVENUE GENERATING PROGRAMS HELPED TO BUILD 8 NEW HABITAT HOMES IN FY 2025.

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? Worth knowing.

    Not individually listed by the IRS as eligible, which is usual for local chapters covered by a parent organization's exemption. The master file records contributions to it as deductible.

    Source: Exempt Organizations Business Master File, 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.

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.