Nonprofit · EIN 20-8181931
RENAISSANCE COMMUNITY LOAN FUND INC
Tax-exempt · GULFPORT, MS 39503
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $7,477,242 | $7,462,726 | $14,516 | $83,126,859 | $53,188,536 | $29,938,323 |
| December 31, 2024 | 990 | $5,936,705 | $5,744,716 | $191,989 | $66,494,902 | $36,571,093 | $29,923,809 |
| December 31, 2023 | 990 | $5,391,783 | $5,040,988 | $350,795 | $61,916,456 | $32,184,636 | $29,731,820 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $2,044,653
- Program service revenue
- $1,616,067
- Investment income
- $3,811,983
- Net gain from sales of assets
- $267
- Other revenue
- $4,539
Expenses
- Grants and similar amounts paid
- $1,339,703
- Compensation of officers, directors and key employees
- $876,564
- Other salaries and wages
- $1,675,192
- Salaries, compensation and benefits (total)
- $3,246,831
- Professional fundraising fees
- $0
- Legal fees
- $55,005
- Accounting fees
- $50,485
- Occupancy
- $84,804
- Travel
- $109,846
- Depreciation
- $50,769
- Program services (functional)
- $5,846,881
- Management and general (functional)
- $1,615,845
Balance sheet and other
- Total assets, start of year
- $66,494,902
- Total assets, end of year
- $83,126,859
- Total liabilities, end of year
- $53,188,536
- Net assets, end of year
- $29,938,323
- Land, buildings and equipment
- $1,299,516
- Publicly traded securities
- $229,200
- Net assets without donor restrictions
- $29,896,323
- Net assets with donor restrictions
- $42,000
- Gross receipts
- $7,477,242
- Employees
- 42
- Volunteers
- 0
- Year formed
- 2007
- State of legal domicile
- MS
From the e-filed returns the IRS publishes as XML (latest three processing years; amended returns replace the original). PDF copies at the IRS.
Officers, directors and key employees
As listed on the 990 for the year ended December 31, 2025, highest compensation first.
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| KIMBERLY LAROSA | PRESIDENT/CEO Officer, Highest-paid employee | 40 | $266,240 |
| CHARLES WALL | CHIEF FIANACIAL OFFICER Highest-paid employee | 40 | $200,000 |
| CAMILLE T SCHAFER | DIRECTOR OF PROGRAMS Highest-paid employee | 40 | $145,000 |
| JOHN MARLIN | DIRECTOR OF LENDING Highest-paid employee | 40 | $134,724 |
| DENISE CARVER | DIRECTOR OF MARKETING & AD Highest-paid employee | 40 | $130,600 |
| DOROTHY SHAW | CHAIRMAN Trustee or director, Officer | 0 | $0 |
| DAVE DENNIS | SECRETARY Trustee or director | 0 | $0 |
| DAVID NICHOLS | VICE CHAIRMAN Trustee or director, Officer | 0 | $0 |
| KAREN SOCK | DIRECTOR Trustee or director | 0 | $0 |
| LAURA HASTY | TREASURER Trustee or director, Officer | 0 | $0 |
| MICHELLE WHETTEN | DIRECTOR Trustee or director | 0 | $0 |
| ZELL LONG | DIRECTOR Trustee or director | 0 | $0 |
| JONATHAN AUGUST | DIRECTOR Trustee or director | 0 | $0 |
990 for the year ended December 31, 2024: 13 people
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| KIMBERLY LAROSA | PRESIDENT/CEO Officer, Highest-paid employee | 40 | $268,288 |
| CHARLES WALL | CHIEF FIANACIAL OFFICER Highest-paid employee | 40 | $202,000 |
| CAMILLE T SCHAFER | DIRECTOR OF PROGRAMS Highest-paid employee | 40 | $148,000 |
| JOHN MARLIN | DIRECTOR OF LENDING Highest-paid employee | 40 | $148,000 |
| DENISE CARVER | DIRECTOR OF MARKETING & AD Highest-paid employee | 40 | $133,600 |
| DOROTHY SHAW | CHAIRMAN Trustee or director, Officer | 0 | $0 |
| DAVE DENNIS | SECRETARY Trustee or director | 0 | $0 |
| DAVID NICHOLS | VICE CHAIRMAN Trustee or director, Officer | 0 | $0 |
| KAREN SOCK | DIRECTOR Trustee or director | 0 | $0 |
| LAURA HASTY | TREASURER Trustee or director, Officer | 0 | $0 |
| MICHELLE WHETTEN | DIRECTOR Trustee or director | 0 | $0 |
| ZELL LONG | DIRECTOR Trustee or director | 0 | $0 |
| JONATHAN AUGUST | DIRECTOR Trustee or director | 0 | $0 |
990 for the year ended December 31, 2023: 12 people
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| KIMBERLY LAROSA | PRESIDENT/CEO Officer, Highest-paid employee | 40 | $239,640 |
| CHARLES WALL | CHIEF FIANACIAL OFFICER Highest-paid employee | 40 | $172,130 |
| CAMILLE T SCHAFER | DIRECTOR OF PROGRAMS Highest-paid employee | 40 | $139,500 |
| JOHN MARLIN | DIRECTOR OF LENDING Highest-paid employee | 40 | $129,000 |
| DENISE CARVER | DIRECTOR OF MARKETING & AD Highest-paid employee | 40 | $126,400 |
| DOROTHY SHAW | CHAIRMAN Trustee or director, Officer | 0 | $0 |
| DAVE DENNIS | SECRETARY Trustee or director | 0 | $0 |
| DAVID NICHOLS | VICE CHAIRMAN Trustee or director, Officer | 0 | $0 |
| KAREN SOCK | DIRECTOR Trustee or director | 0 | $0 |
| LAURA HASTY | TREASURER Trustee or director, Officer | 0 | $0 |
| MICHELLE WHETTEN | DIRECTOR Trustee or director | 0 | $0 |
| ZELL LONG | DIRECTOR Trustee or director | 0 | $0 |
Address and contacts
- Address (IRS master file)
- 8917 LORRAINE RD, GULFPORT, MS 39503-4176
- Principal officer (990 for 2025)
- KIMBERLY LAROSA, 8917 LORRAINE RD, GULFPORT, MS 39503
- Signed the 990
- KIMBERLY LAROSA, PRESIDENT/CEO
- Phone
- (228) 896-3386
- Website
- WWW.RCLFMS.COM
- Return prepared by
- PILTZ WILLIAMS LAROSA & CO
Mission
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.
Program accomplishments
- 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 LENDINGExpenses $5,846,881 · grants $1,339,703 · revenue $5,432,589
What it must file and when
IRS records say it files Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N. Its accounting year ends in December, so each return is due on the 15th day of the 5th month after that.
| Tax year | Year ended | Due | IRS public records |
|---|---|---|---|
| 2025 | December 31, 2025 | May 15, 2026 | 990 on file |
| 2024 | December 31, 2024 | May 15, 2025 | 990 on file |
| 2023 | December 31, 2023 | May 15, 2024 | 990 on file |
IRS record
- EIN
- 20-8181931
- Tax-exempt status
- 501(c)(3): Charitable, religious, educational or scientific organization
- Foundation status
- Publicly supported organization (170(b)(1)(A)(vi))
- Donations deductible (Pub 78)
- Public charity, 50% deduction limit
- Exempt since
- 2007
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Category (NTEE)
- Public safety, disaster preparedness and relief (M20)
- Assets (IRS master file)
- $83,126,859
- Income (IRS master file)
- $7,477,242
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $7,477,242 | $7,462,726 | $83,126,859 | XML |
| 990-T | December 2025 | – | – | – | IRS |
| 990 | December 2024 | $5,936,705 | $5,744,716 | $66,494,902 | XML |
| 990-T | December 2024 | – | – | – | IRS |
| 990 | December 2023 | $5,391,783 | $5,040,988 | $61,916,456 | XML |
| 990-T | December 2023 | – | – | – | IRS |
| 990 | December 2022 | $6,648,710 | $3,905,005 | $53,451,589 | IRS |
| 990-T | December 2022 | – | – | – | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990-T | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | IRS |
| 990-T | December 2020 | – | – | – | IRS |
| 990 | December 2018 | – | – | – | IRS |
990-N: the IRS bulk file holds only the latest e-Postcard per organization; earlier years come from archived copies of that file since 2020 and can have gaps (the IRS e-Postcard search lists every one). 990, 990-EZ, 990-PF, 990-T: every e-filed return in the IRS e-file index since 2019; XML for the latest three processing years, amounts from the IRS Statistics of Income extracts before that. PDF copies and determination letters at the IRS (search EIN 20-8181931).
Questions about RENAISSANCE COMMUNITY LOAN FUND INC
- What is the EIN of RENAISSANCE COMMUNITY LOAN FUND INC?
- The employer identification number (EIN) of RENAISSANCE COMMUNITY LOAN FUND INC is 20-8181931.
- Is RENAISSANCE COMMUNITY LOAN FUND INC tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(3) since 2007.
- Are donations to RENAISSANCE COMMUNITY LOAN FUND INC tax-deductible?
- Yes. It is listed in IRS Publication 78 (Public charity, 50% deduction limit).
- Which annual return does RENAISSANCE COMMUNITY LOAN FUND INC file?
- Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N.
- When is the next return of RENAISSANCE COMMUNITY LOAN FUND INC due?
- The return for tax year 2026 (the year ending December 31, 2026) is due May 17, 2027. Form 8868 extends it by six months; the 990-N cannot be extended.
- When did RENAISSANCE COMMUNITY LOAN FUND INC last file with the IRS?
- The latest return in the IRS public files is the 990 for the year ended December 2025.
- Who is the principal officer of RENAISSANCE COMMUNITY LOAN FUND INC?
- The 990 for the year ended December 31, 2025 names KIMBERLY LAROSA.
- Who are the officers and directors of RENAISSANCE COMMUNITY LOAN FUND INC?
- The 990 for the year ended December 31, 2025 lists 13 people; 5 received compensation from the organization, the highest $266,240 (KIMBERLY LAROSA, PRESIDENT/CEO).
- How much revenue does RENAISSANCE COMMUNITY LOAN FUND INC have?
- On its 990 for the year ended December 31, 2025 it reported revenue of $7,477,242, expenses of $7,462,726 and total assets of $83,126,859 at year end.
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