2025-10-20T11:57:30-05:00 2024-12-31 640767137 PILTZ WILLIAMS LAROSA & CO PO BOX 231 BILOXI MS 39533 990 2024-01-01 208181931 RENAISSANCE COMMUNITY LOAN FUND RENA 2288963386 8917 LORRAINE RD GULFPORT MS 39503 KIMBERLY LAROSA PRESIDENT/CEO 2288963386 2025-10-20 1 0 ELSE' A MARIE CPA P01450125 2283744141 2025-10-16 2024 2025-03-06 01:10:19Z KIMBERLY LAROSA 8917 LORRAINE RD GULFPORT MS 39503 5936705 0 X WWW.RCLFMS.COM X 2007 MS TO PROVIDE SUPPORT THROUGH TECHNICAL AND FINANCIAL ASSISTANCE TO FACILITATE THE DEVELOPMENT OF COMMUNITIES WHICH PROVIDE SAFE, QUALITY HOUSING FOR THE WORKFORCE AND SPECIAL NEED RESIDENTS OF THE MISSISSIPPI GULF COAST AND ECONOMIC OPPORTUNITIES THAT WILL ADD/RETAIN JOBS IN THE COMMUNITY OR THAT CREATE ENTREPRENEURIAL OPPORTUNITIES. 7 7 39 0 0 0 2076677 1980585 705758 834514 2609004 3117020 344 4586 5391783 5936705 145000 520585 0 0 2551863 3006800 0 0 0 2344125 2217331 5040988 5744716 350795 191989 61916456 66494902 32184636 36571093 29731820 29923809 X TO PROVIDE SUPPORT THROUGH TECHNICAL AND FINANCIAL ASSISTANCE TO FACILITATE THE DEVELOPMENT OF COMMUNITIES WHICH PROVIDE SAFE, QUALITY HOUSING FOR THE WORKFORCE AND SPECIAL NEED RESIDENTS OF THE MISSISSIPPI GULF COAST AND ECONOMIC OPPORTUNITIES THAT WILL ADD/RETAIN JOBS IN THE COMMUNITY OR THAT CREATE ENTREPRENEURIAL OPPORTUNITIES. 0 0 4976608 520585 3956120 THE LENDING PROGRAM WERE ESTABLISHED AS A PERPETUAL FUND THAT CAN, IN TURN, CREATE A SELF-SUSTAINING FUND TO ASSIST THOUSANDS OF RESIDENTS AND POTENTIAL RESIDENTS FOR YERAS TO COME. THIS IS ACCOMPLISHED THROUGH ITS CURRENT LENDING PROGRAMS INCLUDING: MYHOME MYCOAST; THE DREAM FUND; NEW MARKET TAX CREDITS; MS GULF COAST DEVELOPMENT FUND AND SMALL BUSINESS AND COMMERCIAL LENDING 4976608 1 0 0 0 0 0 0 0 1 0 1 0 0 0 1 0 1 0 0 0 0 0 0 0 0 0 0 0 1 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 31 0 1 39 0 0 0 0 0 0 0 0 0 0 0 X 7 7 0 0 0 0 0 0 0 1 1 0 0 1 1 1 1 1 1 1 1 0 MS X CHARLES WALL CFO 2288963386 8917 LORRAINE ROAD GULFPORT MS 39503 DOROTHY SHAW CHAIRMAN 0.00 X X 0 0 0 DAVE DENNIS SECRETARY 0.00 X 0 0 0 DAVID NICHOLS VICE CHAIRMAN 0.00 X X 0 0 0 KAREN SOCK DIRECTOR 0.00 X 0 0 0 LAURA HASTY TREASURER 0.00 X X 0 0 0 MICHELLE WHETTEN DIRECTOR 0.00 X 0 0 0 ZELL LONG DIRECTOR 0.00 X 0 0 0 JONATHAN AUGUST DIRECTOR 0.00 X 0 0 0 KIMBERLY LAROSA PRESIDENT/CEO 40.00 X X 268288 0 0 CHARLES WALL CHIEF FIANACIAL OFFICER 40.00 X 202000 0 0 CAMILLE T SCHAFER DIRECTOR OF PROGRAMS 40.00 X 148000 0 0 DENISE CARVER DIRECTOR OF MARKETING & AD 40.00 X 133600 0 0 JOHN MARLIN DIRECTOR OF LENDING 40.00 X 148000 0 0 899888 0 0 5 0 1 0 0 1980585 1980585 LOAN FEES 522291 492263 492263 MISC MGT FEES & CONTRA 522291 342251 342251 834514 3116658 3116658 362 0 362 362 362 OTHER INCOME 900099 4586 4586 4586 5936705 3956120 0 0 520585 520585 899888 727416 172472 1380873 1343482 37391 547055 394478 152577 178984 145937 33047 107417 97872 9545 65103 49595 15508 90028 62119 27909 112744 89237 23507 82979 59554 23425 3358 1710 1648 180070 142538 37532 71787 55415 16372 97006 70696 26310 1005158 1000287 4871 55987 55987 91772 61026 30746 DUES & SUBSCRIPTION 40845 14528 26317 REPAIRS & MAINTENANCE 34024 24329 9695 SUPPLIES 30199 16669 13530 LOAN SERVICING FEES 24586 24586 124268 74549 49719 5744716 4976608 768108 0 6785331 7704186 5055397 3048553 900000 318968 702541 48041758 51150629 82291 105354 1826141 491169 1318874 1334972 205800 217800 108037 1330867 61916456 66494902 339721 464478 61700 149500 420901 461301 29633658 33334014 1728656 2161800 32184636 36571093 X 29689820 29850309 42000 73500 29731820 29923809 61916456 66494902 191989 0 X X 0 0 0 X 1763259 1885186 386536 2076677 1980585 8092243 1763259 1885186 386536 2076677 1980585 8092243 8092243 2490518 2894256 2746288 7344 16586 8154992 137760 112874 3238896 3489530 19736765 7154780 0.41000 0.33990 X 1 0 PART II-B, LINE 1: LOBBYING EXPENDITURES WERE FOR CONSULTANTS WHO EDUCATE AND INFORM LEGISLATORS AS TO THE IMPACT OF LEGISLATION THAT WOULD AFFECT THE ORGANIZATION. 0 421490 39811 461301 1 X 286861 286861 1160394 174334 986060 378886 316835 62051 1334972 DUE TO FHLB - SMALL BUSINESS BOOST 2161800 2161800 5936706 1 1 5936705 0 5936705 5744717 1 1 5744716 0 5744716 PART IV, LINE 2B: RENAISSANCE COMMUNITY LOAN FUND, INC. MAINTAINS ESCROW ACCOUNTS FOR CERTAIN MORTGAGE RECEIVABLES PART XI, LINE 2D - OTHER ADJUSTMENTS: ROUNDING 1. PART XII, LINE 2D - OTHER ADJUSTMENTS: ROUNDING 1. 0 HOUSING ASSISTANCE TO QUALIFIED INDIVIDUALS 2 31000 HOUSING ASSISTANCE GRANTS 51 489585 X X 0 0 0 0 0 0 0 0 0 KIMBERLY LAROSA PRESIDENT/CEO 212000 0 50000 0 6288 0 0 0 0 0 268288 0 0 0 CHARLES WALL CHIEF FIANACIAL OFFICER 157000 0 45000 0 0 0 0 0 0 0 202000 0 0 0 FORM 990, PART VI, SECTION B, LINE 11B THE 990 IS REVIEWED BY A CPA, NON-BOARD MEMBER, PRIOR TO THE FULL BOD REVIEW AT THE MONTHLY MEETING. FORM 990, PART VI, SECTION B, LINE 12C BOARD OF DIRECTORS MEMBERS COMPLETE QUESTIONNAIRES ANNUALLY, SIGN CONFIDENTIALITY AND DISCLOSURE AGREEMENTS, AS WELL AS CODE OF ETHICS. FORM 990, PART VI, SECTION B, LINE 15 COMPENSATION COMMITTEE MET AND COMPARED SALARIES AND POSITIONS WITH OTHER NON-PROFITS. FORM 990, PART VI, SECTION C, LINE 19 THE ORGANIZATION MAKES ITS GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, FINANCIAL STATEMENTS, AND FORM 990 AVAILABLE UPON REQUEST. PART XII, LINE 2(C) THERE HAS BEEN NO CHANGE IN THE OVERSIGHT OF THE AUDIT FROM THE LAST YEAR. THE AUDIT COMMITTEE'S RESPONSIBILITIES REMAIN THE SAME IN CHOOSING AN INDEPENDENT AUDITOR AND REVIEWING THE RESULTS OF THE AUDITS.