2025-11-13T09:13:15-06:00 2024-12-31 453047226 HICKS & ASSOCIATES CPAS PLLC 1795 ALYSHEBA WAY STE 6206 LEXINGTON KY 40509 990 2024-01-01 454127209 LOUISVILLE HOUSING OPPORTUNITY AND MICRO ENTERPRISE COMMUNITY LOUI 5026575943 PO BOX 211028 LOUISVILLE KY 40221 KEITH H TALLEY SR PRESIDENT/CEO 5026575943 2025-11-05 0 DAVID W HICKS CPA P00011200 8593689727 2024 2025-03-06 01:10:19Z LHOME KEITH H TALLEY SR PO BOX 211028 LOUISVILLE KY 40221 1293100 0 X WWW.LHOMEKY.ORG X 2011 KY LHOME IS A MISSION-DRIVEN, NONPROFIT FINANCIAL INSTITUTION THAT PROVIDES ACCESSIBLE, AFFORDABLE LOAN PRODUCTS AND FINANCIAL COACHING SERVICES TO LOW-INCOME SMALL BUSINESS OWNERS, HOMEOWNERS, AND RESIDENTS OF LOUISVILLE, KENTUCKY. LHOME IS A COMMUNITY DEVELOPMENT FINANCIAL INSTITUTION (CDFI), CERTIFIED BY THE U.S. TREASURY. LHOME IS SHORT FOR THE LOUISVILLE HOUSING OPPORTUNITIES AND MICRO-ENTERPRISE COMMUNITY DEVELOPMENT LOAN FUND, INC.LHOME IS COMMITTED TO SERVING THE PEOPLE AND BUSINESSES OF LOUISVILLLE'S LOW- AND MODERATE- INCOME CENSUS TRACTS, PRIMARILY OUR WEST AND SOUTH END NEIGHBORHOODS, AND CREATING INTERGENERATIONIAL WEALTH OPPORTUNITIES, PARTICULARLY FOR LOUISVILLE'S BLACK AND BROWN RESIDENTS. OVER 70% OF LHOME CLIENTS ARE NON-WHITE, AND OVER 90% RESIDE IN THESE HISTORICALLY UNDERSERVED AND DISCRIMINATED SECTIONS OF OUR CITY. 6 6 12 8 0 0 1332819 1147967 81999 89871 19839 55262 0 0 1434657 1293100 0 0 0 0 776098 1046107 0 0 115383 1167553 434971 1943651 1481078 -508994 -187978 4522999 3435133 2097181 1197293 2425818 2237840 X LHOME IS A MISSION-DRIVEN, NONPROFIT FINANCIAL INSTITUTION THAT PROVIDES ACCESSIBLE, AFFORDABLE LOAN PRODUCTS AND FINANCIAL COACHING SERVICES TO LOW-INCOME SMALL BUSINESS OWNERS, HOMEOWNERS, AND RESIDENTS OF LOUISVILLE, KENTUCKY. LHOME IS A COMMUNITY DEVELOPMENT FINANCIAL INSTITUTION (CDFI), CERTIFIED BY THE U.S. TREASURY. LHOME IS SHORT FOR THE LOUISVILLE HOUSING OPPORTUNITIES AND MICRO-ENTERPRISE COMMUNITY DEVELOPMENT LOAN FUND, INC.LHOME IS COMMITTED TO SERVING THE PEOPLE AND BUSINESSES OF LOUISVILLLE'S LOW- AND MODERATE- INCOME CENSUS TRACTS, PRIMARILY OUR WEST AND SOUTH END NEIGHBORHOODS, AND CREATING INTERGENERATIONIAL WEALTH OPPORTUNITIES, PARTICULARLY FOR LOUISVILLE'S BLACK AND BROWN RESIDENTS. OVER 70% OF LHOME CLIENTS ARE NON-WHITE, AND OVER 90% RESIDE IN THESE HISTORICALLY UNDERSERVED AND DISCRIMINATED SECTIONS OF OUR CITY. 0 0 853137 89871 SOCIAL INVESTMENTS: COMMUNITY LENDING, FINANCIAL EDUCATION AND COACHING FOR PROPERTY OWNERS AND SMALL BUSINESS OWNERS IN LOW-MODERATE INCOME CENSUS TRACTS. 853137 1 1 0 0 0 0 0 0 0 0 1 0 0 0 1 1 1 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 12 0 1 12 1 0 0 0 0 0 0 0 0 0 0 X 6 6 0 0 0 0 0 0 0 1 1 0 0 0 1 1 0 1 1 1 0 0 X X WILMA RIDDLE 5022158004 1126 BERRY BLVD LOUISVILLE KY 40215 X ROLANDAS BYRD DIRECTOR 4.00 X 0 0 0 CASSANDRA WEBB SECRETARY TO OCTOBER 2024 4.00 X X 0 0 0 CYNTHIA BROWN VICE-CHAIR 5.00 X X 0 0 0 DANA JOHNSON DIRECTOR 4.00 X 0 0 0 TONYA JOHNSON DIRECTOR 4.00 X 0 0 0 LAMECA YANKEY DIRECTOR TO JUNE 2024 4.00 X 0 0 0 DEREK BELL TREASURER 5.00 X X 0 0 0 CANDISE CAYLAO DIRECTOR 4.00 X 0 0 0 KEITH H TALLEY SR PRESIDENT & CEO 40.00 X 174378 0 18065 174378 0 18065 1 0 1 0 0 842807 305160 24799 1147967 INTEREST REVENUE 531190 80252 80252 OTHER REVENUE 900099 9619 9619 89871 55262 55262 1293100 89871 0 55262 882980 493705 310767 78508 98222 54920 34569 8733 64905 36290 22844 5771 79512 79512 44456 27695 4761 12000 3472 1941 1222 309 8284 4632 2915 737 62725 35072 22076 5577 18209 10181 6409 1619 2424 1356 853 215 22800 22800 154 154 7425 4151 2614 660 RESERVE FOR LOAN LOSSES 113593 113593 GRANT EXPENSE 60532 60532 OTHER 11385 9069 1062 1254 1481078 853137 512558 115383 265414 2345691 1632345 202711 1837 3425 1678581 1759470 12396 9837 20343 20343 154 0 16215 30056 4522999 3435133 10043 35018 729639 233976 1331568 885146 25931 43153 2097181 1197293 X 1535625 1059295 890193 1178545 2425818 2237840 4522999 3435133 -187978 0 X X 0 1 X 1 1 1 X 2970652 1188284 2507714 1332819 1147967 9147436 2970652 1188284 2507714 1332819 1147967 9147436 1699839 7447597 19839 55262 75101 9222537 171870 0.80750 0.76160 X RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 20343 20343 0 0 OTHER CURRENT LIABILITIES 43153 43153 X 1293100 0 1293100 0 1293100 1481078 0 1481078 0 1481078 PART X, LINE 2: LHOME HAS NO UNCERTAIN TAX POSITIONS THAT QUALIFY FOR DISCLOSURE IN THE FINANCIAL STATEMENTS, THEREFORE, NO LIABILITY HAS BEEN RECORDED. TAX YEARS STILL OPEN UNDER FEDERAL AND STATE STATUTE OF LIMITATIONS REMAIN SUBJECT TO REVIEW AND CHANGE. X 0 0 0 0 0 0 0 0 0 KEITH H TALLEY SR PRESIDENT & CEO 174378 0 0 0 0 0 7200 0 10865 0 192443 0 0 0 FORM 990, PART VI, SECTION B, LINE 11B FORM 990 IS COMPLETED BY EXTERNAL ACCOUNTANTS WITH MANAGEMENT'S ASSISTANCE. THE CEO AND BOARD CHAIR REVIEW THE 990 PRIOR TO SIGNING AND SUBMISSION. FORM 990, PART VI, SECTION B, LINE 12 ANNUAL DISCLOSURES OF AFFILIATIONS ARE COMPLETED BY EACH MEMBER OF THE BOARD OF DIRECTORS AND MANAGEMENT. THE PRESIDENT AND CEO MONITORS THE CONTENTS AND THE COLLECTION OF THE DISCLOSURE FORMS. FORM 990, PART VI, SECTION B, LINE 15A THE BOARD OF DIRECTORS SURVEYED SALARIES FOR SIMILARLY SITUATED CDFIS AND NONPROFITS BY REVIEWING 990S. FORM 990, PART VI, SECTION C, LINE 19 NO DOCUMENTS AVAILABLE TO THE PUBLIC. FORM 990, PART XII, LINE 2C: THE PROCESS HAS NOT CHANGED FROM THE PRIOR YEAR.