2026-05-27T15:28:38-05:00 2025-12-31 640767137 PILTZ WILLIAMS LAROSA & CO 1077 TOMMY MUNRO BILOXI MS 39532 990 2025-01-01 208181931 RENAISSANCE COMMUNITY LOAN FUND RENA 2288963386 8917 LORRAINE RD GULFPORT MS 39503 KIMBERLY LAROSA PRESIDENT/CEO 2288963386 2026-05-13 1 ELSE' A MARIE CPA P01450125 2283744141 2026-05-13 2025 2025-03-06 01:10:19Z KIMBERLY LAROSA 8917 LORRAINE RD GULFPORT MS 39503 7477242 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. 8 8 42 0 0 0 1980585 2044653 834514 1616067 3117020 3811983 4586 4539 5936705 7477242 520585 1339703 0 0 3006800 3246831 0 0 0 2217331 2876192 5744716 7462726 191989 14516 66494902 83126859 36571093 53188536 29923809 29938323 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 5846881 1339703 5432589 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 5846881 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 1 1 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 44 0 1 42 0 0 0 0 0 0 0 0 0 0 0 X 8 8 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 266240 0 0 CHARLES WALL CHIEF FIANACIAL OFFICER 40.00 X 200000 0 0 CAMILLE T SCHAFER DIRECTOR OF PROGRAMS 40.00 X 145000 0 0 DENISE CARVER DIRECTOR OF MARKETING & AD 40.00 X 130600 0 0 JOHN MARLIN DIRECTOR OF LENDING 40.00 X 134724 0 0 876564 0 0 5 0 1 0 0 2044653 2044653 MISC MGT FEES & CONTRA 522291 904059 904059 LOAN FEES 522291 712008 712008 1616067 3811716 3811716 267 0 267 267 267 OTHER INCOME 900099 4539 4539 4539 7477242 5432589 0 0 513308 513308 826395 826395 876564 520028 356536 1675192 1162079 513113 496608 320080 176528 198467 131938 66529 55005 19595 35410 50485 33584 16901 13440 4461 8979 114278 68971 45307 145194 122710 22484 15278 11496 3782 239333 207681 31652 84804 40426 44378 109846 76363 33483 1447509 1415746 31763 50769 41631 9138 89516 73914 15602 LOAN SERVICING FEES 94612 63749 30863 BAD DEBT EXPENSE 71424 71424 PROPERTY MANAGEMENT 60258 60258 PASSTHROUGH PARTNERSHIP 43000 43000 191441 121302 70139 7462726 5846881 1615845 0 7704186 10037620 3048553 3599561 900000 702541 480058 51150629 66129701 105354 83500 1841454 541938 1334972 1299516 217800 229200 1330867 1267703 66494902 83126859 464478 740019 149500 9705 461301 657699 33334014 49227707 2161800 2553406 36571093 53188536 X 29850309 29896323 73500 42000 29923809 29938323 66494902 83126859 14516 0 X X 0 0 0 X 1885186 386536 2076677 1980585 2044653 8373637 1885186 386536 2076677 1980585 2044653 8373637 8373637 2894256 2746288 7344 16586 15939 5680413 112874 3238896 3351770 17405820 12558663 0.48110 0.41000 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 461301 196398 657699 1 X 286861 286861 1164895 204242 960653 389698 337696 52002 1299516 DUE TO FHLB - SMALL BUSINESS BOOST 2553406 2553406 7477241 -1 -1 7477242 0 7477242 7462727 1 1 7462726 0 7462726 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 CLAY RENTALS LLC 9455 ROCKHILL RD STARKVILLE MS 39759 851159977 6000 0 BUSINESS ASSISTANCE HEART TO HEART COUNSELING SERVICES LLC 813 VARSITY DRIVE SUITE 7 TUPELO MS 38801 854387896 6722 0 BUSINESS ASSISTANCE TPDH LLC 50264 OLD COLUMBUS ROAD ABERDEEN MS 39730 883979500 6500 0 BUSINESS ASSISTANCE 0 HOUSING ASSISTANCE GRANTS 114 826395 X X 0 0 0 0 0 0 0 0 0 KIMBERLY LAROSA PRESIDENT/CEO 215000 0 45000 0 6240 0 0 0 0 0 266240 0 0 0 CHARLES WALL CHIEF FIANACIAL OFFICER 160000 0 40000 0 0 0 0 0 0 0 200000 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.