TCHFH Lending Inc
TCHFH Lending, Inc. is a public charity based in Saint Paul, Minnesota, and a nonprofit mortgage subsidiary of Twin Cities Habitat for Humanity. It helps households underserved by the traditional mortgage industry pursue homeownership through affordable mortgages, mortgage servicing, and down-payment and closing-cost assistance.
TCHFH Lending Inc at a glance
In short: TCHFH Lending Inc gave $998K across 16 grants in 2025 (avg $62K), mostly in Minnesota. Source: 2025 IRS Form 990.
- Annual giving (2025)
- $998,000
- +27847.4% vs 2024
- Grants made (2025)
- 16
- Average grant
- $62,375
- Median grant
- $32,000
- Total assets
- $19,881,588
- +74.2% vs 2024
- Primary geography
- Minnesota (100% of itemized 2025 grant dollars)
- Latest 990 filing
- Form 990, 2025 View filing
Data from IRS Form 990, 2025; updated September 2026.
How to apply to TCHFH Lending Inc
- Contact
Mailing address: 1954 University Avenue West, Saint Paul, MN 55104
Phone: (651) 207-1700
Application details from Grantable's research on the foundation's public materials; confirm on its website before applying.
Who TCHFH Lending Inc funds
How this funder distributes its grants
Top Recipients
Top 10 recipients in 2025
The largest 2025 recipient was Habitat for Humanity of Minnesota Inc ($440K). Together the top 10 received $908K.
Grant Size Distribution
17 grants across all recorded years
The most common grant size was under $50K: 11 grants of 17 (65%).
Geographic Focus
Where this funder awards grants
The mortgage program serves households across the Twin Cities seven-county metro. All grant dollars reported for filing year 2025 went to recipients in Minnesota.
Grant Distribution by State
Share of 2025 grant dollars across all 16 itemized grants.
States
Cities
Giving History
Giving Over Time
Total grant dollars and number of grants per year
From 2023 to 2025, annual grant giving ranged from $4K (2024) to $998K (2025). In 2025 it made 16 grants totaling $998K.
Hatched bars: grants paid as reported on the IRS filing, which lists no individual grants for that year.
Grants by year
Grant recipients and amounts by year
| Recipient | Purpose | Amount |
|---|---|---|
| Habitat for Humanity of Minnesota Inc Saint Paul, MN | Program Operations | $440,000 |
| Minnesota Community Land Trust Coalition Saint Paul, MN | Program Operations | $100,000 |
| Helping Paws of MN Inc Eden Prairie, MN | Program Operations | $80,000 |
| Minnesota Homeownership Center Saint Paul, MN | Program Operations | $60,000 |
| Three Rivers Community Action Zumbrota, MN | Program Operations | $60,000 |
| MN CDFI Coalition Detroit Lakes, MN | Program Operations | $40,000 |
| Build Wealth MN Inc Minneapolis, MN | Program Operations | $32,000 |
| Community Neighborhood Housing Services Minneapolis, MN | Program Operations | $32,000 |
| PRG Inc Minneapolis, MN | Program Operations | $32,000 |
| Project for Pride in Living Minneapolis, MN | Program Operations | $32,000 |
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Financial History
Multi-year comparison from IRS filings
The organization’s filing states that it originated 137 mortgage loans and serviced 1,364 loans in FY24.
| Filing year | Total Assets | Revenue | Expenses | Grants paid | Grants | Net Investment Income |
|---|---|---|---|---|---|---|
| 2025 | $19,881,588 | $11,251,491 | $4,659,990 | $998,000 | 16 | $194,521 |
| 2024 | $11,409,917 | $5,304,661 | $3,480,711 | $3,571 | Total only | $104,985 |
| 2023 | $9,939,150 | $2,466,684 | $1,723,538 | $54,636 | 1 | $66,844 |
| 2022 | $7,779,735 | $2,448,749 | $1,272,650 | — | — | $44,042 |
| 2021 | $5,329,123 | $899,815 | $920,457 | — | — | $38,415 |
| 2020 | $4,605,810 | $1,217,535 | $1,070,852 | — | — | $50,315 |
"Total only": grants paid as reported on the IRS filing, which lists no individual grants for that year.
Research compiled by Grantable AI from public sources. Last updated September 2026.
Mission & Focus Areas
TCHFH Lending’s stated mission is to help people underserved by the traditional mortgage industry attain homeownership through its affordable mortgage program. Its filing describes originating and servicing residential mortgages, providing down-payment and closing-cost assistance, and facilitating third-party assistance programs and subordinate loans. It also describes an Advancing Black Homeownership Community Fund and a first-generation homebuyer down-payment assistance program.
Its 2025 grants included support for organizations whose own missions address affordable homeownership, housing counseling, community development, and related services. For example, Habitat for Humanity of Minnesota says it advances Minnesota Habitat affiliates’ work to create and preserve affordable homeownership; the Minnesota Community Land Trust Coalition says it supports permanently affordable homeownership for low- and moderate-income people; and Community Neighborhood Housing Services describes providing homeownership education, advising, and residential community lending. These are the grantees’ stated missions, not TCHFH Lending’s.
Grantmaking
In filing year 2025, TCHFH Lending reported 16 grants totaling $998,000. Grant amounts ranged from $10,000 to $440,000, with a median of $32,000. All reported grant dollars went to Minnesota recipients.
The largest awards included $440,000 to Habitat for Humanity of Minnesota, $100,000 to the Minnesota Community Land Trust Coalition, $80,000 to Helping Paws of MN, $60,000 each to Minnesota Homeownership Center and Three Rivers Community Action, and $40,000 to the MN CDFI Coalition. Other listed awards included $32,000 each to Build Wealth MN, Community Neighborhood Housing Services, PRG, and Project for Pride in Living; and $20,000 each to Black Men Teach and the MN Housing Partnership. The filing lists the grants’ purpose as program operations.
The organization’s filing also describes assistance grants awarded directly to eligible homebuyers; these are participant assistance, distinct from grants to outside organizations. Its website describes TruePath Mortgage eligibility and underwriting requirements, including completing Twin Cities Habitat’s Homeownership Program, meeting income guidelines, being a first-time homebuyer, living in the seven-county metro, and purchasing a primary residence. The website states that qualifying for the Homeownership Program does not guarantee mortgage approval.
Leadership & Key People
Leadership team and compensation from IRS filings
The 2025 filing lists Delinda Washington as board chair and Jonathan Sage-Martinson as board vice chair. Directors listed are Eric Skalland, Anne Behrendt, Brandon Berg, Scott Hietpas, Bruce Paradis, Kirstin Burch, Nicki Donlon, and Devon Pohlman.
The organization’s website identifies Robyn Bipes-Timm as president of TCHFH Lending, Inc.; Betsy Mills as vice president of finance and lending; Bethany Nagan as director of lending; Maureen Holman as mortgage origination manager; Jen LaCroix as community lending manager; and Fernanda De La Torre as down-payment assistance program manager.
TCHFH Lending Inc is led by Robyn Bipes-Timm, President on every filing since 2020; none of the 12 officers listed in 2025 report compensation.
Officers on the 2025 filing
Robyn Bipes-Timm
President
On filings since 2020
6 hrs/week
$133K (2020) → $0 (2025)
Delinda Washington
Board Chair
Director → Board Chair, 2025
On filings since 2022
0.5 hrs/week
No compensation reported
Anne Behrendt
Director
On filings since 2021
0.5 hrs/week
No compensation reported
Eric Skalland
Director
On filings since 2022
0.5 hrs/week
No compensation reported
Brandon Berg
Director
On filings since 2024
0.5 hrs/week
No compensation reported
Bruce Paradis
Director
On filings since 2024
0.5 hrs/week
No compensation reported
Scott Hietpas
Director
On filings since 2024
0.5 hrs/week
No compensation reported
Devon Pohlman
Director
New on the 2025 filing
0.5 hrs/week
No compensation reported
Kirstin Burch
Director
New on the 2025 filing
0.5 hrs/week
No compensation reported
Nicki Donlon
Director
New on the 2025 filing
0.5 hrs/week
No compensation reported
Jonathan Sage-Martinson
Board Vice Chair
Director → Board Vice Chair, 2025
On filings since 2021
0.5 hrs/week
No compensation reported
Betsy Mills
Secretary
New on the 2025 filing
16 hrs/week
No compensation reported
Former officers (14)
- Former: Diane Wold (2020–2023) — Director
- Former: Rich Gammill (2020–2023) — Director
- Former: Steve Poppen (2020–2023) — Director
- Former: Bill Gould (2021–2023) — Director
- Former: Tony Barranco (2022–2023) — Director
- Former: Dave Hill (2023) — Secretary & Treasurer
- Former: David Milton (2023) — Past Secretary & Past Treasurer
- Former: Joe Khawaja (2020–2022) — Secretary & Treasurer
- Former: Barb Wendt (2020–2021) — Director
- Former: Tom Goodmanson (2020–2021) — Co-Chair
- Former: Lucas Detor (2021) — Director
- Former: Garfield Bowen (2020) — Director
- Former: Mike Franta (2020) — Director
- Former: Paul Sween (2020) — Director
Data from IRS Form 990 filings, 2020–2025. "On filings since" is the earliest filing we hold that lists the person; hours are average hours per week as reported.
Compensation Overview
From 2021 IRS filing
The highest reported compensation on the 2021 filing was $118K, to Robyn Bipes-Timm (President).
Frequently asked questions about TCHFH Lending Inc
How much does TCHFH Lending Inc give each year?
TCHFH Lending Inc gave $998K across 16 grants in 2025, according to its 2025 IRS Form 990. In 2024 it reported $4K in grants paid.
What is TCHFH Lending Inc's typical grant size?
TCHFH Lending Inc's median grant in 2025 was $32,000, and its average grant was $62,375, across 16 grants on its 2025 IRS Form 990.
Where does TCHFH Lending Inc give grants?
TCHFH Lending Inc gives mostly in Minnesota: 100% of the grant dollars itemized on its 2025 IRS Form 990 went to recipients there. The most frequent recipient cities were Minneapolis, MN (7 grants) and Saint Paul, MN (5 grants).
Does TCHFH Lending Inc give general operating support?
Not in 2025: none of the 16 grants with a stated purpose on TCHFH Lending Inc's 2025 IRS Form 990 were described as general or operating support. Recurring purposes include "Program Operations" (16 grants).
Who are TCHFH Lending Inc's largest grantees?
TCHFH Lending Inc's largest 2025 grantees include Habitat for Humanity of Minnesota Inc ($440,000), Minnesota Community Land Trust Coalition ($100,000) and Helping Paws of MN Inc ($80,000), according to its 2025 IRS Form 990. Together they received 62% of its itemized 2025 grant dollars.
How large is TCHFH Lending Inc?
TCHFH Lending Inc reported $19.9M in total assets on its 2025 IRS Form 990. Its revenue that year was $11.3M.
What does TCHFH Lending Inc fund?
TCHFH Lending’s stated mission is to help people underserved by the traditional mortgage industry attain homeownership through its affordable mortgage program. See mission & focus areas ↑
How do I apply for a grant from TCHFH Lending Inc?
TCHFH Lending Inc has no public application process in the sources Grantable reviewed. Contact the foundation directly before submitting a request.
What is TCHFH Lending Inc's EIN?
TCHFH Lending Inc's EIN (Employer Identification Number) is 81-1958719. IRS Form 990 filing data is available on this page for 2020–2025.
Data last updated September 2026. Sourced from IRS Form 990 filings. Research dossier generated September 2026.
Data update history
(4)
When this profile's IRS filing data changed on Grantable
- Updated Form 990 for fiscal year 2023 (received by the IRS April 24, 2024)
- Updated Form 990 for fiscal year 2024 (received by the IRS February 24, 2025)
- Updated Form 990 for fiscal year 2025 (received by the IRS February 20, 2026)
- IRS filings on file for fiscal years 2020–2025
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Cite this profile
Grantable. (2026). TCHFH Lending Inc funder profile. GrantGraph. Retrieved October 12, 2026, from https://grantable.co/funders/tchfh-lending-inc-morg_094a9b38302743a685dde168af73d23f
BibTeX
@misc{grantable_811958719_2026,
author = {{Grantable}},
title = {{TCHFH Lending Inc funder profile}},
howpublished = {GrantGraph},
year = {2026},
url = {https://grantable.co/funders/tchfh-lending-inc-morg_094a9b38302743a685dde168af73d23f},
note = {Accessed 2026-10-12. Data licensed CC BY 4.0}
}The figures on this page are open data under CC BY 4.0: reuse them with credit to Grantable and a link. Download the data.
Figures come from TCHFH Lending Inc's IRS filings (methodology). AI-written summaries, news items and logos are not covered by the open licence. Spot an error? Email hello@grantable.co.
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