Nonprofit · EIN 38-6104797
MICHIGAN MORTGAGE LENDERS ASSOCIATION
Tax-exempt · SHELBY TWP, MI 48318
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2024 | 990 | $407,536 | $438,320 | -$30,784 | $407,651 | $69,260 | $338,391 |
| December 31, 2023 | 990 | $443,360 | $450,428 | -$7,068 | $414,494 | $45,319 | $369,175 |
Financial details: 990 for the year ended December 31, 2024
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $374,885
- Investment income
- $7,533
- Other revenue
- $25,118
Expenses
- Grants and similar amounts paid
- $0
- Compensation of officers, directors and key employees
- $85,880
- Other salaries and wages
- $42,084
- Salaries, compensation and benefits (total)
- $152,075
- Professional fundraising fees
- $0
- Accounting fees
- $2,000
- Travel
- $10,018
- Program services (functional)
- $438,320
Balance sheet and other
- Total assets, start of year
- $414,494
- Total assets, end of year
- $407,651
- Total liabilities, end of year
- $69,260
- Net assets, end of year
- $338,391
- Net assets without donor restrictions
- $338,391
- Gross unrelated business income
- $25,118
- Gross receipts
- $407,536
- Employees
- 3
- Volunteers
- 45
- Year formed
- 1993
- State of legal domicile
- MI
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, 2024, highest compensation first.
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| JOANNE MISURACA | CHIEF EXECUTIVE OFFICER Officer | 45 | $85,880 | $11,063 |
| JULIE CONLEY | PAST PRESIDENT Trustee or director, Officer | 1 | $0 | $0 |
| KATE MCDOUGALL | PRESIDENT Trustee or director, Officer | 1 | $0 | $0 |
| BRIAN MCCOWN | VICE PRESIDENT Trustee or director, Officer | 1 | $0 | $0 |
| VICTORIA DELUCE | GENERAL DIRECTOR Trustee or director | 1 | $0 | $0 |
| ANDY BAKER | GENERAL DIRECTOR Trustee or director | 1 | $0 | $0 |
| AJ FRANCHI | GENERAL DIRECTOR Trustee or director | 1 | $0 | $0 |
| TINA MANSHUM | GENERAL DIRECTOR Trustee or director | 1 | $0 | $0 |
| TIM PASCARELLA | GENERAL DIRECTOR Trustee or director | 1 | $0 | $0 |
| STEVEN SCHEEL | GENERAL DIRECTOR Trustee or director | 1 | $0 | $0 |
| NICOLE NAHODIL | SECRETARY/TREASURER Trustee or director, Officer | 1 | $0 | $0 |
| GRANT SPENCER | GENERAL DIRECTOR Trustee or director | 1 | $0 | $0 |
| JOSH PULSIFER | GENERAL DIRECTOR Trustee or director | 1 | $0 | $0 |
| BRIAN VIEAUX | GENERAL DIRECTOR Trustee or director | 1 | $0 | $0 |
990 for the year ended December 31, 2023: 11 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| JOANNE MISURACA | CHIEF EXECUTIVE OFFICER Officer | 45 | $86,008 | $10,455 |
| JULIE CONLEY | PRESIDENT Trustee or director, Officer | 1 | $0 | $0 |
| KATE MCDOUGALL | VICE PRESIDENT Trustee or director, Officer | 1 | $0 | $0 |
| BRIAN MCCOWN | SECRETARY/TREASURER Trustee or director, Officer | 1 | $0 | $0 |
| VICTORIA DELUCE | PAST PRESIDENT Trustee or director, Officer | 1 | $0 | $0 |
| ANDY BAKER | GENERAL DIRECTOR Trustee or director | 1 | $0 | $0 |
| AJ FRANCHI | GENERAL DIRECTOR Trustee or director | 1 | $0 | $0 |
| TINA MANSHUM | GENERAL DIRECTOR Trustee or director | 1 | $0 | $0 |
| ERIN PALMER | GENERAL DIRECTOR Trustee or director | 1 | $0 | $0 |
| TIM PASCARELLA | GENERAL DIRECTOR Trustee or director | 1 | $0 | $0 |
| STEVEN SCHEEL | GENERAL DIRECTOR Trustee or director | 1 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- PO BOX 182520, SHELBY TWP, MI 48318-2520
- In care of
- % JOANNE MISURACA
- Principal officer (990 for 2024)
- JOANNE MISURACA, PO BOX 182520, SHELBY TOWNSHIP, MI 48318
- Signed the 990
- JOANNE MISURACA, CEO
- Phone
- (586) 226-2823
- Website
- WWW.MMLA.NET
- Return prepared by
- CBIZ ADVISORS LLC
Mission
TO PROMOTE ETHICAL STANDARDS AMONG MORTGAGE INDUSTRY PROFESSIONALS BY PROVIDING EDUCATIONAL AND OTHER SERVICES TO MEMBERS AND TO THE PUBLIC.
Program accomplishments
- MORTGAGE INDUSTRY EDUCATIONAL AND RELATED PROGRAMS.Expenses $438,320
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 | Not 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
- 38-6104797
- Tax-exempt status
- 501(c)(6): Business league or chamber of commerce
- Donations deductible
- No
- Exempt since
- 2002
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Category (NTEE)
- Community improvement and capacity building (S41)
- Assets (IRS master file)
- $407,651
- Income (IRS master file)
- $407,536
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2024 | $407,536 | $438,320 | $407,651 | XML |
| 990 | December 2023 | $443,360 | $450,428 | $414,494 | XML |
| 990 | December 2022 | $483,302 | $459,048 | $464,334 | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990 | 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 38-6104797).
Questions about MICHIGAN MORTGAGE LENDERS ASSOCIATION
- What is the EIN of MICHIGAN MORTGAGE LENDERS ASSOCIATION?
- The employer identification number (EIN) of MICHIGAN MORTGAGE LENDERS ASSOCIATION is 38-6104797.
- Is MICHIGAN MORTGAGE LENDERS ASSOCIATION tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(6) since 2002.
- Are donations to MICHIGAN MORTGAGE LENDERS ASSOCIATION tax-deductible?
- No. The IRS master file says contributions to it are not deductible.
- Which annual return does MICHIGAN MORTGAGE LENDERS ASSOCIATION 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 MICHIGAN MORTGAGE LENDERS ASSOCIATION due?
- The return for tax year 2025 (the year ending December 31, 2025) is due May 15, 2026. Form 8868 extends it by six months; the 990-N cannot be extended.
- When did MICHIGAN MORTGAGE LENDERS ASSOCIATION last file with the IRS?
- The latest return in the IRS public files is the 990 for the year ended December 2024.
- Who is the principal officer of MICHIGAN MORTGAGE LENDERS ASSOCIATION?
- The 990 for the year ended December 31, 2024 names JOANNE MISURACA.
- Who are the officers and directors of MICHIGAN MORTGAGE LENDERS ASSOCIATION?
- The 990 for the year ended December 31, 2024 lists 14 people; 1 received compensation from the organization, the highest $85,880 (JOANNE MISURACA, CHIEF EXECUTIVE OFFICER).
- How much revenue does MICHIGAN MORTGAGE LENDERS ASSOCIATION have?
- On its 990 for the year ended December 31, 2024 it reported revenue of $407,536, expenses of $438,320 and total assets of $407,651 at year end.
Other nonprofits in SHELBY TWP
- LEADERSHIP MACOMB INC EIN 38-3551700 · last filed 990 for 2025
- SOUTHEASTERN MICHIGAN ROOFING CONTRACTORS ASSOCIATION INC EIN 38-6091470 · last filed 990-N for 2025
- GREATER COMMUNITY OF HOPE EIN 27-4804336 · last filed 990-N for 2025
- VIETNAMESE AMERICAN ASSOCIATION OF MICHIGAN OR VAAM EIN 26-2398000 · last filed 990-N for 2025
- C O L I E EIN 87-3880877 · last filed 990-N for 2023
- SHELBY TOWNSHIP FIREFIGHTERS CHARITIES EIN 33-1977461 · last filed 990-N for 2024
- KINGSWOOD ESTATES SUBDIVISION ASSOCIATION EIN 38-3419988 · last filed 990-N for 2025
- COMMUNITY LIFT MICROFINANCE EIN 99-2848005 · last filed 990-N for 2025
All nonprofits in SHELBY TWP · Michigan · Community improvement and capacity building