Baltimore Community Lending Inc
Only null% goes to programs Strong reserves Growing revenue
Baltimore Community Lending Inc is a 501(c)(3) organization based in Baltimore, Maryland, registered in 1989, with $8,804,597 in FY2024 revenue. CharityIndex grades it C+.
875 Hollins St Ste 301, Baltimore, MD, 21201 EIN 52-1632468 Since 1989
Revenue (FY2024)
$8.8M
▲ 37.7% vs prior year
Community median: $184K
Expenses (FY2024)
$10.0M
Net assets
$17.0M
Employees
—
CharityIndex rating
One independent A+ to F grade from four published criteria, each scored separately from IRS filings and combined by weight.
C+
—Program efficiency40% of the ratingNo expense breakdown in filings
Measures how much of every dollar spent actually reaches programs, plus what it costs to raise $100 of donations. The worse of the two measures sets the letter (85%+ to programs is an A; under $15 to raise $100 is an A), averaged over the three most recent filings. Not scored for Baltimore Community Lending Inc— this filing type doesn't report it, and the rating simply skips it (never counts it against the organization). See the exact thresholds →
C+Financial health25% of the rating20 mo reserves · -14% margin
Measures whether the organization is built to last: how many months its reserves would cover expenses (3+ months earns an A-range score, but hoarding 5+ years of budget is capped) and whether it runs a surplus or a deficit. For Baltimore Community Lending Inc: 20 mo reserves · -14% margin earns a C+ on this criterion. See the exact thresholds →
—Governance25% of the ratingNot reported in this filing type
Checks how the organization is run, from its own Form 990: an independent board majority, a board of five or more, conflict-of-interest, whistleblower and document-retention policies, and independently audited financials. The share of disclosed checks that pass sets the letter. Not scored for Baltimore Community Lending Inc— this filing type doesn't report it, and the rating simply skips it (never counts it against the organization). See the exact thresholds →
CTransparency10% of the rating2 of 5 disclosure signals
Counts five disclosure signals: a recent filing, a mission statement, program descriptions, a listed website, and the full expense breakdown. More disclosure, better letter. For Baltimore Community Lending Inc: 2 of 5 disclosure signals earns a C on this criterion. See the exact thresholds →
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Contact & location
- Address
- 875 Hollins St Ste 301, Baltimore, MD, 21201
- City
- Baltimore
- State
- Maryland
- Subcategory
- Economic Development
- Website
- …
Financial trends
Revenue grew from $2.2M (FY2013) to $8.8M (FY2024) across 12 reported years.
Financial snapshot
Financial health & position (FY2024)
Liabilities $27.4MNet assets $17.0M
Operating margin
-13.9%
Spent more than it raised in the latest fiscal year.
Total assets
$44.4M
Total liabilities
$27.4M
Net assets
$17.0M
Financials by year
| Fiscal year | Revenue | Expenses | Net assets | Total assets | Form |
|---|---|---|---|---|---|
| 2024 | $8,804,597▲37.7% | $10,024,988▲91.0% | $16,963,987▼7.2% | $44,380,351▲10.0% | 990 |
| 2023 | $6,394,581▲31.4% | $5,248,201▲32.0% | $18,271,580▲6.5% | $40,362,956▲8.2% | 990 |
| 2022 | $4,865,383▼2.2% | $3,975,555▲53.4% | $17,161,680▲5.6% | $37,305,565▲14.6% | 990 |
| 2021 | $4,977,119▲18.8% | $2,590,915▼26.0% | $16,250,295▲17.2% | $32,545,900▲17.9% | 990 |
| 2020 | $4,188,946▲78.3% | $3,499,320▲60.6% | $13,864,089▲5.2% | $27,611,134▲14.0% | 990 |
| 2019 | $2,349,981▲51.1% | $2,178,836▲33.9% | $13,174,465▲1.1% | $24,218,004▲18.5% | 990 |
| 2018 | $1,554,886▲12.1% | $1,627,146▲22.9% | $13,025,381▼0.4% | $20,439,156▲8.3% | 990 |
| 2017 | $1,387,587▲15.2% | $1,323,595▼8.6% | $13,081,433▲0.3% | $18,872,297▲5.5% | 990 |
| 2016 | $1,204,735▲35.4% | $1,448,242▲14.2% | $13,043,941▼1.9% | $17,889,925▲0.6% | 990 |
| 2015 | $889,493▼16.5% | $1,267,699▲86.0% | $13,300,996▼2.7% | $17,788,269▼3.0% | 990 |
| 2014 | $1,065,447▼51.2% | $681,380▼20.0% | $13,676,660▲2.8% | $18,341,709▼0.2% | 990 |
| 2013 | $2,184,137 | $852,000▼18.6% | $13,307,003▲10.5% | $18,369,455▲5.3% | 990 |
| 2012 | — | $1,047,148▲5.8% | $12,042,193▲3.3% | $17,446,837▲14.1% | 990 |
| 2011 | — | $989,852▼17.5% | $11,656,723▲1.5% | $15,293,645▼37.5% | 990 |
| 2010 | — | $1,199,959 | $11,480,927 | $24,464,123 | 990 |
Original Form 990 PDFs (the Form column) are served by ProPublica Nonprofit Explorer, as filed with the IRS. Create a free account to download the CSV report.
Grants received · $2.3M total
18 grants to Baltimore Community Lending Inc totaling $2.3M, reported by foundations on their Schedule I filings — showing the 15 most recent.
| Grantmaker | Purpose | Year | Amount |
|---|---|---|---|
| Winston-salem Foundation | 1 grant(s) for varying purposes | 2024 | $125,000 |
| Baltimore Community Foundation Inc | General support and various projects | 2024 | $25,000 |
| Opportunity Finance Network | Finance justice fund subgrant | 2023 | $200,000 |
| University of Maryland Medical System Corporation | Grant - food ecosystem | 2023 | $143,688 |
| Winston-salem Foundation | 1 grant(s) for varying purposes | 2023 | $125,000 |
| Neighborhood Reinvestment Corp | General support | 2023 | $20,000 |
| University of Maryland Medical System Corporation | Food ecosystem training/tech assistance | 2022 | $630,000 |
| Baltimore Community Foundation Inc | General support and various projects | 2022 | $75,000 |
| Kaiser Foundation Health Plan of the Mid Atlantic States Inc | Rate buy-down for baltimore business borrowers for | 2021 | $75,000 |
| T Rowe Price Program For Charitable Giving Inc | Special project | 2021 | $50,000 |
| Winston-salem Foundation | 1 grant(s) for varying purposes | 2020 | $350,000 |
| Baltimore Community Foundation Inc | General support and various projects | 2020 | $168,000 |
| T Rowe Price Program For Charitable Giving Inc | General operating | 2020 | $75,000 |
| Greater Washington Community Foundation | General support | 2020 | $75,000 |
| Greater Washington Community Foundation | General support | 2020 | $75,000 |
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Frequently asked questions
- Is Baltimore Community Lending Inc a legitimate nonprofit?
- Yes. Baltimore Community Lending Inc is a 501(c)(3) organization registered with the U.S. Internal Revenue Service under EIN 52-1632468, based in Baltimore, Maryland. Donations are tax-deductible.
- What is Baltimore Community Lending Inc's EIN?
- Baltimore Community Lending Inc's Employer Identification Number (EIN) is 52-1632468.
- How much revenue does Baltimore Community Lending Inc report?
- Baltimore Community Lending Inc reported $8,804,597 in total revenue on its fiscal year 2024 IRS Form 990 filing.
- What financial grade does Baltimore Community Lending Inc have?
- CharityIndex grades Baltimore Community Lending Inc C+, based on financial health (reserves and operating margin).
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Data for Baltimore Community Lending Inc (EIN 52-1632468) comes from the IRS Business Master File and e-filed Form 990 returns, via CharityIndex. Figures reflect what the organization reported to the IRS for each fiscal year.