Missing Middle Housing Fund
Public records show a registered, tax-exempt organization in good standing.
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
About Missing Middle Housing Fund MMHF The Missing Middle Housing Fund supports the creation of new workforce housing and the innovations that reduce the costs to build them at scale.
- Income
- $359,763
- Spending
- $730,937
- Spent on programs
- 94%
- Reserves
- 28.1 months of spending
- Largest source of income
- donations and private grants, 66%
- Employees
- 1
- Volunteers
- 60
- Highest pay
- $67,789, ceo
Source: Form 990 for the year ending December 31, 2025, filed with the Internal Revenue Service. Rating method 2026.2. How we rate
Financial health
Good: 81 out of 100. Higher than 77% of charities in its peer group (housing, $250k to $1m).
Reserves
35 of 35Spendable reserves would cover 28.1 months of spending.
Debt
16 of 20It owes 19% of what it owns.
Living within its means
0 of 15Spending exceeded income by 103% of income.
Income trend
15 of 15Income rose 154% on the year before.
Spending floor
15 of 1594% of spending went to programs and raising each dollar of donations cost 2 cents.
Source: Form 990 for the year ending December 31, 2025, filed with the Internal Revenue Service. Rating method 2026.2. How we rate
Governance
Fair: 59 out of 100. Higher than 17% of charities in its peer group (housing, $250k to $1m).
Independent board
18 of 253 of 3 voting board members are independent.
Conflict of interest policy
15 of 15Has a written conflict of interest policy.
Whistleblower policy
0 of 8Reports no written whistleblower policy.
Record keeping policy
0 of 7Reports no written policy on keeping and destroying records.
Board minutes
5 of 5Keeps minutes of board meetings.
Board sees the tax return
10 of 10Gave the board a copy of this return before filing it.
Pay set independently
5 of 5Sets its chief executive's pay through independent review and comparison.
Independent check of accounts
6 of 15Its accounts were not audited or reviewed by an independent accountant.
No reported misuse
0 of 10Reports at least one of: diversion of assets, excess benefits, loans to insiders.
Source: Form 990 for the year ending December 31, 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)
- $229,184 spent. Supporting Housing Innovation in Rural Oregon: MMHF supported projects in 11 jurisdictions in Yamhill County 1 community in Morrow County 3 communities in Polk County and all of the communities along Oregons South Coast including event facilitation working directly with major employers and structuring and launching new housing funds. Supporting Housing Innovation Companies: MMHF worked with over 50 housing innovation companies in 2025 providing mentorship access to funding event facilitation and piloting innovative housing developments. Advocating for Better Housing Policies and Practices: MMHF hosted 3 Lets Build events for over 275 participants in three communities resulting in multiple working groups established to reduce red tape create industry driven projects and create new housing funds. In addition MMHF wrote over 15 articles 4 newsletters and countless posts reaching our network of over 500 housing innovators.
- $459,671 spent. Workforce Housing Investment Funds helps communities create and direct purpose driven funds that impact housing creation. In Newberg MMHF helped digitize zoning codes in Yamhill County and launch the Housing Innovation Village Experience. In Boardman MMHF helped digitize zoning codes launch a project involving the Moderate Income Revolving Loan Fund and begin work on a development plan for the Columbia View property.
Source: Form 990 for the year ending December 31, 2025, filed with the Internal Revenue Service. Rating method 2026.2. How we rate
Legitimacy checks
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.
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.
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.
Is it keeping up with its IRS filings? Passed.
Most recent return on file covers the year ending December 2025.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.
How long has it been tax-exempt? Passed.
Recognized by the IRS since March 2023.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.
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.