Nonprofit · EIN 33-0328597
USFN
Tax-exempt · N RICHLND HLS, TX 76180
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| November 30, 2025 | 990 | $2,410,838 | $2,329,208 | $81,630 | $1,365,907 | $883,940 | $481,967 |
| November 30, 2024 | 990 | $2,256,101 | $2,185,697 | $70,404 | $1,162,205 | $762,686 | $399,519 |
| November 30, 2023 | 990 | $2,747,468 | $2,531,843 | $215,625 | $1,123,270 | $820,744 | $302,526 |
| November 30, 2021 | 990 | $1,160,556 | $947,810 | $212,746 | $712,064 | $288,210 | $423,854 |
Financial details: 990 for the year ended November 30, 2025
Revenue
- Contributions, gifts and grants
- $195,466
- Program service revenue
- $2,183,851
- Investment income
- $26,574
- Net rental income
- $4,222
- Other revenue
- $4,947
Expenses
- Grants and similar amounts paid
- $0
- Compensation of officers, directors and key employees
- $260,727
- Other salaries and wages
- $300,164
- Salaries, compensation and benefits (total)
- $652,676
- Professional fundraising fees
- $0
- Accounting fees
- $90,523
- Occupancy
- $72,697
- Depreciation
- $30,162
Balance sheet and other
- Total assets, start of year
- $1,162,205
- Total assets, end of year
- $1,365,907
- Total liabilities, end of year
- $883,940
- Net assets, end of year
- $481,967
- Land, buildings and equipment
- $53,051
- Publicly traded securities
- $435,233
- Net assets without donor restrictions
- $481,967
- Gross unrelated business income
- $37,367
- Gross receipts
- $2,410,838
- Employees
- 5
- Volunteers
- 300
- Year formed
- 1988
- State of legal domicile
- TX
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 November 30, 2025, highest compensation first.
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| PAMELA L DONAHOO | CEO Officer | 40 | $227,413 | $33,314 |
| MELODY RICKLES | Director Trustee or director | 2 | $0 | $0 |
| ANDY SAAG | Director Trustee or director | 2 | $0 | $0 |
| ANDREW BRENNER | Director Trustee or director | 2 | $0 | $0 |
| RICHARD NIELSON | Director Trustee or director | 2 | $0 | $0 |
| JEFFREY WEISSERMAN | Director Trustee or director | 2 | $0 | $0 |
| JAMES E CLARKE | Vice President Trustee or director, Officer | 2 | $0 | $0 |
| BENJAMIN PADEN | Treasurer Trustee or director, Officer | 2 | $0 | $0 |
| JILLIAN WILSON | Director Trustee or director | 2 | $0 | $0 |
| EDDIE JIMENEZ | Director Trustee or director | 2 | $0 | $0 |
| LANCE OLSEN | Director Trustee or director | 2 | $0 | $0 |
| CHRISTIANNA KERSEY | Director Trustee or director | 2 | $0 | $0 |
| ROY DIAZ | Director Trustee or director | 2 | $0 | $0 |
| BRIGHAM LUNDBERG | Director Trustee or director | 2 | $0 | $0 |
| SALLY E GARRISON | President Trustee or director, Officer | 2 | $0 | $0 |
6 more people on this return
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| JEANETTE O'DONNELL | Director Trustee or director | 2 | $0 |
| ROBERT WICHOWSKI | Secretary Trustee or director, Officer | 2 | $0 |
| LISA LEE | PAST PRESIDENT Trustee or director, Officer | 2 | $0 |
| PETER LUBLIN | Director Trustee or director | 2 | $0 |
| DIANE ROSENBERG | Director Trustee or director | 2 | $0 |
| ADAM DIAZ | Director Trustee or director | 2 | $0 |
990 for the year ended November 30, 2024: 16 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| PAMELA L DONAHOO | CEO Officer | 40 | $210,780 | $32,688 |
| MELODY RICKLES | Director Trustee or director | 2 | $0 | $0 |
| ANDY SAAG | Director Trustee or director | 2 | $0 | $0 |
| ANDREW BRENNER | Director Trustee or director | 2 | $0 | $0 |
| RICHARD NIELSON | Director Trustee or director | 2 | $0 | $0 |
| JEFFREY WEISSERMAN | Director Trustee or director | 2 | $0 | $0 |
| JAMES E CLARKE | Vice President Trustee or director, Officer | 2 | $0 | $0 |
| JILLIAN WILSON | Director Trustee or director | 2 | $0 | $0 |
| EDDIE JIMENEZ | Director Trustee or director | 5 | $0 | $0 |
| LANCE OLSEN | Director Trustee or director | 2 | $0 | $0 |
| CHRISTIANNA KERSEY | Director Trustee or director | 2 | $0 | $0 |
| ROY DIAZ | Director Trustee or director | 2 | $0 | $0 |
| BRIGHAM LUNDBERG | Director Trustee or director | 2 | $0 | $0 |
| SALLY E GARRISON | President Trustee or director, Officer | 2 | $0 | $0 |
| JEANETTE O'DONNELL | Director Trustee or director | 2 | $0 | $0 |
| ROBERT WICHOWSKI | Secretary Trustee or director, Officer | 2 | $0 | $0 |
990 for the year ended November 30, 2023: 18 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| PAMELA L DONAHOO | CEO Officer | 40 | $181,942 | $22,092 |
| MELODY RICKLES | Director Trustee or director | 2 | $0 | $0 |
| ANDY SAAG | Director Trustee or director | 2 | $0 | $0 |
| ANDREW BRENNER | Director Trustee or director | 2 | $0 | $0 |
| RICHARD NIELSON | Director Trustee or director | 2 | $0 | $0 |
| JEFFREY WEISSERMAN | Director Trustee or director | 2 | $0 | $0 |
| SALLY GARRISON | Vice President Trustee or director, Officer | 2 | $0 | $0 |
| HILTON T HUTCHENS JR | BOARD MEMBER Trustee or director | 2 | $0 | $0 |
| JILLIAN WILSON | Director Trustee or director | 2 | $0 | $0 |
| EDDIE JIMENEZ | Director Trustee or director | 5 | $0 | $0 |
| ROBERT WICHOWSKI | Director Trustee or director | 2 | $0 | $0 |
| CHRISTIANNA KERSEY | Director Trustee or director | 2 | $0 | $0 |
| ROY DIAZ | Director Trustee or director | 2 | $0 | $0 |
| BRIGHAM LUNDBERG | Director Trustee or director | 2 | $0 | $0 |
| LISA LEE | President Trustee or director, Officer | 2 | $0 | $0 |
| JEANETTE O'DONNELL | Director Trustee or director | 2 | $0 | $0 |
| JAMES E CLARKE | Secretary Trustee or director, Officer | 2 | $0 | $0 |
| JAY B JONES | BOARD MEMBER Trustee or director | 2 | $0 | $0 |
990 for the year ended November 30, 2021: 16 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| PAMELA L DONAHOO | CEO Officer | 40 | $169,038 | $24,498 |
| ANDY SAAG | Director Trustee or director | 8 | $0 | $0 |
| KIP BILDERBACK | President Trustee or director, Officer | 8 | $0 | $0 |
| TOM DORE | Director Trustee or director | 2 | $0 | $0 |
| JEFFREY WEISSERMAN | Director Trustee or director | 2 | $0 | $0 |
| SALLY GARRISON | Director Trustee or director | 2 | $0 | $0 |
| JAY JONES | Director Trustee or director | 2 | $0 | $0 |
| WENDY LEE | Vice President Trustee or director, Officer | 5 | $0 | $0 |
| ROBERT WICHOWSKI | Director Trustee or director | 2 | $0 | $0 |
| HILTON HUTCHENS | Director Trustee or director | 2 | $0 | $0 |
| ROY DIAZ | Director Trustee or director | 2 | $0 | $0 |
| BRIGHAM LUNDBERG | Director Trustee or director | 2 | $0 | $0 |
| LISA LEE | Secretary Trustee or director, Officer | 2 | $0 | $0 |
| DANIEL WEST | Director Trustee or director | 2 | $0 | $0 |
| JAMES E CLARKE | Director Trustee or director | 2 | $0 | $0 |
| SHELLIE WALLACE | Director Trustee or director | 2 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 9001 AIRPORT FWY STE 740, N RICHLND HLS, TX 76180-7796
- Principal officer (990 for 2024)
- PAMELA L DONAHOO, 9001 AIRPORT FREEWAY 740, NORTH RICHLAND HILLS, TX 76180
- Signed the 990
- PAMELA L DONAHOO, CEO
- Phone
- (817) 770-0818
- Website
- usfn.org
- Return prepared by
- Sutton Frost Cary LLP
Mission
USFN serves its members and mortgage servicing professionals by providing first-in-class education, networking opportunities, publications, and industry advocacy in support of effective and efficient business operations, as well as legal and regulatory compliance.
Program accomplishments
- Since COVID, the industry continues to make significant changes, resulting in an ever-changing regulatory environment, mergers and changes at the largest mortgage servicers and the need to agility and adapatation for default law firms.
- USFN PUBLICATIONS:The USFN Report, a quarterly legal publication addressing key issues, case law, and regulatory change, converted to a digital version. Linked-in was used to further the reach of articles of vital interest. USFN News, a bi monthly newsletter with curated and in house produced content was added to address breaking news and state regulatory action. USFN rebranded and updated the NMSRD to the USFN Source, a web based searchable digital database of regulations impacting the mortgage, forceclosure, default and bankruptcy space. The Source continues to be updated and expanded with the latest in regulatory, state by state resource.
- EDUCATION-In 2025, USFN produced more than 20 different webinars, seminars, and conferences addressing issues of relevance to all levels of the mortgage servicing industry and related legal professionals. USFN provided Continuing Legal Education to member attorneys and well as attorneys who work for mortgage servicers. USFN offered more than 15 hours of CLE in 2025 including highly sought-after subjects such as legal ethics.
- USFN INDUSTRY RELATIONS:USFN events provided a relied upon forum for ongoing dialogue between mortgage investors, servicers, and law firms to ensure that issues surrounding compliance, new or changing regulation, timelines, and changes are addressed in a timely and collaborative manner by all relevant parties. USFN remains actively engaged with ongoing industry partnerships. USFN used the opportunity to provide comment to pending regulations by the CFPB and wrote amicus briefs for several key cases. The last year also saw continued dialogue with industry regulators such as the Federal Housing Finance Agency (FHFA), And housing-focused federal agencies such as the Department of Housing and Urban Development (HUD) and the Department of Veteran Affairs, as well as government-sponsored enterprises, Fannie Mae and Freddie Mac.The organization continued its strategic collaboration with other industry trade organizations such as The Mortgage Bankers Association, National Creditors Bar Association, American Legal & Financial Network, Five Star Institute, and Legal League.
- USFN COMMITTEES AND OTHER MEMBER-DRIVEN ACTIVITIES:Throughout 2025, USFN Committees provided critical support for the organization to maintain its crucial role in developing content, producing educational programming, and providing a forum for industry interchange. 2025-Amicus Brief Task ForceAdvocacy CommitteeBankruptcy SectionCompliance SectionDiversity and Inclusion SectionEducation CommitteeExecutive CommitteeFinance and Audit CommitteeLegal Issues SectionMarketing CommitteeMembership CommitteeREO & Eviction SectionAs well as other individual program task forces
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 November, so each return is due on the 15th day of the 5th month after that.
| Tax year | Year ended | Due | IRS public records |
|---|---|---|---|
| 2024 | November 30, 2025 | April 15, 2026 | 990 on file |
| 2023 | November 30, 2024 | April 15, 2025 | 990 on file |
| 2022 | November 30, 2023 | April 15, 2024 | 990 on file |
IRS record
- EIN
- 33-0328597
- Tax-exempt status
- 501(c)(6): Business league or chamber of commerce
- Donations deductible
- No
- Exempt since
- 1997
- Accounting year ends
- November
- Files
- Form 990 or 990-EZ
- Assets (IRS master file)
- $1,365,907
- Income (IRS master file)
- $2,410,838
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | November 2025 | $2,410,838 | $2,329,208 | $1,365,907 | IRS |
| 990 | November 2024 | $2,256,101 | $2,185,697 | $1,162,205 | XML |
| 990 | November 2023 | $2,747,468 | $2,531,843 | $1,123,270 | XML |
| 990 | November 2022 | $1,101,499 | $1,366,947 | $1,564,439 | IRS |
| 990 | November 2021 | $1,160,556 | $947,810 | $712,064 | XML |
| 990 | November 2020 | – | – | – | IRS |
| 990 | November 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 33-0328597).
Questions about USFN
- What is the EIN of USFN?
- The employer identification number (EIN) of USFN is 33-0328597.
- Is USFN tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(6) since 1997.
- Are donations to USFN tax-deductible?
- No. The IRS master file says contributions to it are not deductible.
- Which annual return does USFN 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 USFN due?
- The return for tax year 2025 (the year ending November 30, 2026) is due April 15, 2027. Form 8868 extends it by six months; the 990-N cannot be extended.
- When did USFN last file with the IRS?
- The latest return in the IRS public files is the 990 for the year ended November 2025.
- Who is the principal officer of USFN?
- The 990 for the year ended November 30, 2025 names PAMELA L DONAHOO.
- Who are the officers and directors of USFN?
- The 990 for the year ended November 30, 2025 lists 21 people; 1 received compensation from the organization, the highest $227,413 (PAMELA L DONAHOO, CEO).
- How much revenue does USFN have?
- On its 990 for the year ended November 30, 2025 it reported revenue of $2,410,838, expenses of $2,329,208 and total assets of $1,365,907 at year end.
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