Capital Good for Humanity Inc
Public records show a registered, tax-exempt organization in good standing.
What it says it does
PROMOTE AFFORDABLE HOUSING THROUGH TRAINING, LENDING, DEVELOPMENT ANDBUILDING ACTIVITIES AND PROGRAMS.
- Income
- $5.3 million
- Spending
- $2.9 million
- Spent on programs
- 100%
- Reserves
- 19.1 months of spending
- Largest source of income
- donations and private grants, 94%
- Employees
- 0
- Volunteers
- 1
- Highest pay
- $265,183, vice president
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
Strong: 100 out of 100. Higher than 90% of charities in its peer group (human services, $1m to $10m).
Reserves
35 of 35Spendable reserves would cover 19.1 months of spending.
Debt
20 of 20It owes 2% of what it owns.
Living within its means
15 of 15Income exceeded spending by 45% of income.
Income trend
15 of 15Income rose 706% on the year before.
Spending floor
15 of 15100% of spending went to programs and raising each dollar of donations cost 0 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
Good: 88 out of 100. Higher than 46% of charities in its peer group (human services, $1m to $10m).
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
8 of 8Has a written whistleblower policy.
Record keeping policy
7 of 7Has a 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
0 of 5Reports no independent review process for its chief executive's pay.
Independent check of accounts
15 of 15Its accounts were audited by an independent accountant.
No reported misuse
10 of 10Reports 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 (1)
- $2.9 million spent. A. CAUSE- WE ARE DRIVEN TO LIFT THE COMMUNITY THROUGH RESPONSIBLE, AFFORDABLE LENDING FOR STRUGGLING FAMILIES. THIS ORGANIZATION WAS FORMED TO MEET THE NEEDS OF OUR COMMUNITY WHICH IS CURRENTLY THE MOST COST-BURDENED PLACE TO LIVE IN THE COUNTRY. THE ORGANIZATION WILL BEGIN LENDING IN FALL OF 2021 AND BE FULLY OPERATIONAL AT THIS TIME. WE SERVE WORKING FAMILIES THAT CANNOT AFFORD THE MEDIAN-PRICED HOME IN THE MARKET WITHOUT SUPPORT OR SUBSIDY. THIS WILL INCLUDE, BUT NOT BE LIMITED TO, LOW-TO-MODERATE INCOME FAMILIES. ELIGIBILITY WILL BE DETERMINED BY INCOME, TAX RETURNS, STANDARD DOCUMENTATION REQUIRED BY LENDERS, CRIMINAL BACKGROUND CHECKS AND ADDITIONAL DOCUMENTATION AS NEEDED. THE THRESHOLD FOLLOWED FOR DETERMINING LOW-TO-MODERATE INCOME STANDARD WILL BE SET FORTH BY HUD THROUGH THE AREA MEDIAN INCOME (AMI). THE ACTIVITIES OF THE ORGANIZATION WILL BE IMPLEMENTED BY FULL-TIME STAFF WHO HAVE RECEIVED PROPER LENDING TRAINING AND CARRY NECESSARY LICENSES FOR TYPE OF LENDING WE SEEK TO OFFER. (EXAMPLE- NATIONWIDE MORTGAGE LICENSING SYSTEM REGISTRATION OR MORTGAGE LOAN ORIGINATOR LICENSES FOR STAFF UNDERWRITING MORTGAGES.) AS WELL, ADDITIONAL OUTSOURCING MAYBE BE REQUIRED WITH INCREASED VOLUME. (EXAMPLE- UTILIZING A SERVICING COMPANY TO SERVICE LOANS ONCE ORIGINATED.) THE ACTIVITY WILL BE CONDUCTED ON AN ANNUAL BASIS THROUGH IN-HOUSE AND CONTRACTED SERVICES. THE BUSINESS WILL BE OPERATED BY SEVERAL FULL-TIME STAFF MEMBERS CONTRIBUTING 75% OR MORE OF THEIR MONTHLY BUSINESS HOURS. IT WILL BE HOUSED AT HABITAT FOR HUMANITY OF BROWARD CORPORATE HEADQUARTERS. THIS BUSINESS WILL ALLOW US TO INCREASE OUR LENDING VOLUME TO SERVE MORE FAMILIES IN THE COMMUNITY. OUR OPERATIONS WILL BE FUNDED THROUGH A COMBINATION OF PRIVATE SUPPORT SUCH AS DONATIONS, BANK INVESTMENTS OR GRANTS, GOVERNMENT GRANTS, OUR SOCIAL ENTERPRISE AND THE FUTURE SALE OF LOANS.
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
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 June 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 2022.
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.