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        <AverageHoursPerWeekRt>2.00</AverageHoursPerWeekRt>
        <AverageHoursPerWeekRltdOrgRt>1.00</AverageHoursPerWeekRltdOrgRt>
        <IndividualTrusteeOrDirectorInd>X</IndividualTrusteeOrDirectorInd>
        <ReportableCompFromOrgAmt>0</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>0</OtherCompensationAmt>
      </Form990PartVIISectionAGrp>
      <Form990PartVIISectionAGrp>
        <PersonNm>NINA LUALDI</PersonNm>
        <TitleTxt>MEMBER AT LARGE</TitleTxt>
        <AverageHoursPerWeekRt>2.00</AverageHoursPerWeekRt>
        <AverageHoursPerWeekRltdOrgRt>0.00</AverageHoursPerWeekRltdOrgRt>
        <IndividualTrusteeOrDirectorInd>X</IndividualTrusteeOrDirectorInd>
        <ReportableCompFromOrgAmt>0</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>0</OtherCompensationAmt>
      </Form990PartVIISectionAGrp>
      <Form990PartVIISectionAGrp>
        <PersonNm>RESHEA T HOLMAN</PersonNm>
        <TitleTxt>DIRECTOR</TitleTxt>
        <AverageHoursPerWeekRt>2.00</AverageHoursPerWeekRt>
        <AverageHoursPerWeekRltdOrgRt>0.00</AverageHoursPerWeekRltdOrgRt>
        <IndividualTrusteeOrDirectorInd>X</IndividualTrusteeOrDirectorInd>
        <ReportableCompFromOrgAmt>0</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>0</OtherCompensationAmt>
      </Form990PartVIISectionAGrp>
      <Form990PartVIISectionAGrp>
        <PersonNm>ROSANA HAN</PersonNm>
        <TitleTxt>DIRECTOR</TitleTxt>
        <AverageHoursPerWeekRt>2.00</AverageHoursPerWeekRt>
        <AverageHoursPerWeekRltdOrgRt>0.00</AverageHoursPerWeekRltdOrgRt>
        <IndividualTrusteeOrDirectorInd>X</IndividualTrusteeOrDirectorInd>
        <ReportableCompFromOrgAmt>0</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>0</OtherCompensationAmt>
      </Form990PartVIISectionAGrp>
      <Form990PartVIISectionAGrp>
        <PersonNm>SHANNON ADKINS</PersonNm>
        <TitleTxt>VICE CHAIR</TitleTxt>
        <AverageHoursPerWeekRt>2.00</AverageHoursPerWeekRt>
        <AverageHoursPerWeekRltdOrgRt>0.00</AverageHoursPerWeekRltdOrgRt>
        <IndividualTrusteeOrDirectorInd>X</IndividualTrusteeOrDirectorInd>
        <OfficerInd>X</OfficerInd>
        <ReportableCompFromOrgAmt>0</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>0</OtherCompensationAmt>
      </Form990PartVIISectionAGrp>
      <Form990PartVIISectionAGrp>
        <PersonNm>VINCE SALINAS</PersonNm>
        <TitleTxt>CHAIR</TitleTxt>
        <AverageHoursPerWeekRt>2.00</AverageHoursPerWeekRt>
        <AverageHoursPerWeekRltdOrgRt>0.00</AverageHoursPerWeekRltdOrgRt>
        <IndividualTrusteeOrDirectorInd>X</IndividualTrusteeOrDirectorInd>
        <OfficerInd>X</OfficerInd>
        <ReportableCompFromOrgAmt>0</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>0</OtherCompensationAmt>
      </Form990PartVIISectionAGrp>
      <Form990PartVIISectionAGrp>
        <PersonNm>ANNIE KAO</PersonNm>
        <TitleTxt>DIRECTOR</TitleTxt>
        <AverageHoursPerWeekRt>2.00</AverageHoursPerWeekRt>
        <AverageHoursPerWeekRltdOrgRt>0.00</AverageHoursPerWeekRltdOrgRt>
        <IndividualTrusteeOrDirectorInd>X</IndividualTrusteeOrDirectorInd>
        <ReportableCompFromOrgAmt>0</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>0</OtherCompensationAmt>
      </Form990PartVIISectionAGrp>
      <Form990PartVIISectionAGrp>
        <PersonNm>GARY KERSHNER</PersonNm>
        <TitleTxt>DIRECTOR</TitleTxt>
        <AverageHoursPerWeekRt>2.00</AverageHoursPerWeekRt>
        <AverageHoursPerWeekRltdOrgRt>0.00</AverageHoursPerWeekRltdOrgRt>
        <IndividualTrusteeOrDirectorInd>X</IndividualTrusteeOrDirectorInd>
        <ReportableCompFromOrgAmt>0</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>0</OtherCompensationAmt>
      </Form990PartVIISectionAGrp>
      <Form990PartVIISectionAGrp>
        <PersonNm>JONAS MOE</PersonNm>
        <TitleTxt>DIRECTOR</TitleTxt>
        <AverageHoursPerWeekRt>2.00</AverageHoursPerWeekRt>
        <AverageHoursPerWeekRltdOrgRt>0.00</AverageHoursPerWeekRltdOrgRt>
        <IndividualTrusteeOrDirectorInd>X</IndividualTrusteeOrDirectorInd>
        <ReportableCompFromOrgAmt>0</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>0</OtherCompensationAmt>
      </Form990PartVIISectionAGrp>
      <Form990PartVIISectionAGrp>
        <PersonNm>JANICE E JENSEN</PersonNm>
        <TitleTxt>PRESIDENT &amp; CEO</TitleTxt>
        <AverageHoursPerWeekRt>40.00</AverageHoursPerWeekRt>
        <AverageHoursPerWeekRltdOrgRt>1.00</AverageHoursPerWeekRltdOrgRt>
        <OfficerInd>X</OfficerInd>
        <ReportableCompFromOrgAmt>360478</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>53189</OtherCompensationAmt>
      </Form990PartVIISectionAGrp>
      <Form990PartVIISectionAGrp>
        <PersonNm>JEAN BRIDGES</PersonNm>
        <TitleTxt>COO/CFO-LEFT 12/08/23</TitleTxt>
        <AverageHoursPerWeekRt>40.00</AverageHoursPerWeekRt>
        <AverageHoursPerWeekRltdOrgRt>1.00</AverageHoursPerWeekRltdOrgRt>
        <OfficerInd>X</OfficerInd>
        <ReportableCompFromOrgAmt>259754</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>44061</OtherCompensationAmt>
      </Form990PartVIISectionAGrp>
      <Form990PartVIISectionAGrp>
        <PersonNm>MIKE COSTELLO</PersonNm>
        <TitleTxt>COO/CFO-STARTED 11/15/23</TitleTxt>
        <AverageHoursPerWeekRt>40.00</AverageHoursPerWeekRt>
        <AverageHoursPerWeekRltdOrgRt>1.00</AverageHoursPerWeekRltdOrgRt>
        <OfficerInd>X</OfficerInd>
        <ReportableCompFromOrgAmt>29740</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>3011</OtherCompensationAmt>
      </Form990PartVIISectionAGrp>
      <Form990PartVIISectionAGrp>
        <PersonNm>KEVIN ELLIOTT</PersonNm>
        <TitleTxt>CHIEF REAL ESTATE OFFICER</TitleTxt>
        <AverageHoursPerWeekRt>40.00</AverageHoursPerWeekRt>
        <AverageHoursPerWeekRltdOrgRt>0.00</AverageHoursPerWeekRltdOrgRt>
        <KeyEmployeeInd>X</KeyEmployeeInd>
        <ReportableCompFromOrgAmt>245545</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>73705</OtherCompensationAmt>
      </Form990PartVIISectionAGrp>
      <Form990PartVIISectionAGrp>
        <PersonNm>KRYSTA MORGENTHALER</PersonNm>
        <TitleTxt>CHIEF DEVELOPMENT OFFICER</TitleTxt>
        <AverageHoursPerWeekRt>40.00</AverageHoursPerWeekRt>
        <AverageHoursPerWeekRltdOrgRt>0.00</AverageHoursPerWeekRltdOrgRt>
        <KeyEmployeeInd>X</KeyEmployeeInd>
        <ReportableCompFromOrgAmt>235015</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>56172</OtherCompensationAmt>
      </Form990PartVIISectionAGrp>
      <Form990PartVIISectionAGrp>
        <PersonNm>CHRISTINE CHU</PersonNm>
        <TitleTxt>CONTROLLER</TitleTxt>
        <AverageHoursPerWeekRt>40.00</AverageHoursPerWeekRt>
        <AverageHoursPerWeekRltdOrgRt>0.00</AverageHoursPerWeekRltdOrgRt>
        <HighestCompensatedEmployeeInd>X</HighestCompensatedEmployeeInd>
        <ReportableCompFromOrgAmt>168232</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>17082</OtherCompensationAmt>
      </Form990PartVIISectionAGrp>
      <Form990PartVIISectionAGrp>
        <PersonNm>DOUGLAS RADIGAN</PersonNm>
        <TitleTxt>DIRECTOR VOLUNTEER ENGAGEMENT</TitleTxt>
        <AverageHoursPerWeekRt>40.00</AverageHoursPerWeekRt>
        <AverageHoursPerWeekRltdOrgRt>0.00</AverageHoursPerWeekRltdOrgRt>
        <HighestCompensatedEmployeeInd>X</HighestCompensatedEmployeeInd>
        <ReportableCompFromOrgAmt>152335</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>16332</OtherCompensationAmt>
      </Form990PartVIISectionAGrp>
      <Form990PartVIISectionAGrp>
        <PersonNm>JENNIFER GRAY</PersonNm>
        <TitleTxt>DIRECTOR HOME PRESERVATION</TitleTxt>
        <AverageHoursPerWeekRt>40.00</AverageHoursPerWeekRt>
        <AverageHoursPerWeekRltdOrgRt>0.00</AverageHoursPerWeekRltdOrgRt>
        <HighestCompensatedEmployeeInd>X</HighestCompensatedEmployeeInd>
        <ReportableCompFromOrgAmt>139603</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>34397</OtherCompensationAmt>
      </Form990PartVIISectionAGrp>
      <Form990PartVIISectionAGrp>
        <PersonNm>MEG STYLES-HILTON</PersonNm>
        <TitleTxt>DIRECTOR INDIVIDUAL GIVING</TitleTxt>
        <AverageHoursPerWeekRt>40.00</AverageHoursPerWeekRt>
        <AverageHoursPerWeekRltdOrgRt>0.00</AverageHoursPerWeekRltdOrgRt>
        <HighestCompensatedEmployeeInd>X</HighestCompensatedEmployeeInd>
        <ReportableCompFromOrgAmt>152335</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>60999</OtherCompensationAmt>
      </Form990PartVIISectionAGrp>
      <Form990PartVIISectionAGrp>
        <PersonNm>ROBERT SIMONDS</PersonNm>
        <TitleTxt>DIRECTOR OF HOUSING DEVELOPMENT</TitleTxt>
        <AverageHoursPerWeekRt>40.00</AverageHoursPerWeekRt>
        <AverageHoursPerWeekRltdOrgRt>0.00</AverageHoursPerWeekRltdOrgRt>
        <HighestCompensatedEmployeeInd>X</HighestCompensatedEmployeeInd>
        <ReportableCompFromOrgAmt>181244</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>17794</OtherCompensationAmt>
      </Form990PartVIISectionAGrp>
      <TotalReportableCompFromOrgAmt>1924281</TotalReportableCompFromOrgAmt>
      <TotReportableCompRltdOrgAmt>0</TotReportableCompRltdOrgAmt>
      <TotalOtherCompensationAmt>376742</TotalOtherCompensationAmt>
      <IndivRcvdGreaterThan100KCnt>18</IndivRcvdGreaterThan100KCnt>
      <FormerOfcrEmployeesListedInd>0</FormerOfcrEmployeesListedInd>
      <TotalCompGreaterThan150KInd>1</TotalCompGreaterThan150KInd>
      <CompensationFromOtherSrcsInd>0</CompensationFromOtherSrcsInd>
      <ContractorCompensationGrp>
        <ContractorName>
          <BusinessName>
            <BusinessNameLine1Txt>HP CONSTRUCTION SERVICES</BusinessNameLine1Txt>
          </BusinessName>
        </ContractorName>
        <ContractorAddress>
          <USAddress>
            <AddressLine1Txt>9000 CROW CANYON ROAD SUITE 213</AddressLine1Txt>
            <CityNm>DANVILLE</CityNm>
            <StateAbbreviationCd>CA</StateAbbreviationCd>
            <ZIPCd>94506</ZIPCd>
          </USAddress>
        </ContractorAddress>
        <ServicesDesc>CONSTRUCTION</ServicesDesc>
        <CompensationAmt>289337</CompensationAmt>
      </ContractorCompensationGrp>
      <ContractorCompensationGrp>
        <ContractorName>
          <BusinessName>
            <BusinessNameLine1Txt>MELGAR MECHNICAL INC</BusinessNameLine1Txt>
          </BusinessName>
        </ContractorName>
        <ContractorAddress>
          <USAddress>
            <AddressLine1Txt>2123 BERING DRIVE SUITE A</AddressLine1Txt>
            <CityNm>SAN JOSE</CityNm>
            <StateAbbreviationCd>CA</StateAbbreviationCd>
            <ZIPCd>95131</ZIPCd>
          </USAddress>
        </ContractorAddress>
        <ServicesDesc>CONSTRUCTION</ServicesDesc>
        <CompensationAmt>246984</CompensationAmt>
      </ContractorCompensationGrp>
      <ContractorCompensationGrp>
        <ContractorName>
          <BusinessName>
            <BusinessNameLine1Txt>CROSS THE DIVIDE</BusinessNameLine1Txt>
          </BusinessName>
        </ContractorName>
        <ContractorAddress>
          <USAddress>
            <AddressLine1Txt>309 VISTA TRUCHA</AddressLine1Txt>
            <CityNm>NEWPORT BEACH</CityNm>
            <StateAbbreviationCd>CA</StateAbbreviationCd>
            <ZIPCd>92660</ZIPCd>
          </USAddress>
        </ContractorAddress>
        <ServicesDesc>INFORMATION TECHNOLOGY</ServicesDesc>
        <CompensationAmt>239961</CompensationAmt>
      </ContractorCompensationGrp>
      <ContractorCompensationGrp>
        <ContractorName>
          <BusinessName>
            <BusinessNameLine1Txt>KELLY &amp; SON LLC</BusinessNameLine1Txt>
          </BusinessName>
        </ContractorName>
        <ContractorAddress>
          <USAddress>
            <AddressLine1Txt>2112 COLFAX WAY</AddressLine1Txt>
            <CityNm>ANTIOCH</CityNm>
            <StateAbbreviationCd>CA</StateAbbreviationCd>
            <ZIPCd>94509</ZIPCd>
          </USAddress>
        </ContractorAddress>
        <ServicesDesc>CONSTRUCTION</ServicesDesc>
        <CompensationAmt>184631</CompensationAmt>
      </ContractorCompensationGrp>
      <ContractorCompensationGrp>
        <ContractorName>
          <BusinessName>
            <BusinessNameLine1Txt>CALIFORNIA MODULAR</BusinessNameLine1Txt>
          </BusinessName>
        </ContractorName>
        <ContractorAddress>
          <USAddress>
            <AddressLine1Txt>196 N 3RD STREET</AddressLine1Txt>
            <CityNm>SAN JOSE</CityNm>
            <StateAbbreviationCd>CA</StateAbbreviationCd>
            <ZIPCd>95112</ZIPCd>
          </USAddress>
        </ContractorAddress>
        <ServicesDesc>CONSTRUCTION</ServicesDesc>
        <CompensationAmt>106733</CompensationAmt>
      </ContractorCompensationGrp>
      <CntrctRcvdGreaterThan100KCnt>5</CntrctRcvdGreaterThan100KCnt>
      <FundraisingAmt>442569</FundraisingAmt>
      <GovernmentGrantsAmt>3731420</GovernmentGrantsAmt>
      <AllOtherContributionsAmt>11478682</AllOtherContributionsAmt>
      <NoncashContributionsAmt>134383</NoncashContributionsAmt>
      <TotalContributionsAmt>15652671</TotalContributionsAmt>
      <ProgramServiceRevenueGrp>
        <Desc>OTHER INCOME</Desc>
        <BusinessCd>531390</BusinessCd>
        <TotalRevenueColumnAmt>1029734</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>1029734</RelatedOrExemptFuncIncomeAmt>
      </ProgramServiceRevenueGrp>
      <ProgramServiceRevenueGrp>
        <Desc>MORTGAGE DISCOUNT AMORTIZATION</Desc>
        <BusinessCd>531390</BusinessCd>
        <TotalRevenueColumnAmt>434300</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>434300</RelatedOrExemptFuncIncomeAmt>
      </ProgramServiceRevenueGrp>
      <ProgramServiceRevenueGrp>
        <Desc>SALES OF AFFORDABLE HOUSING</Desc>
        <BusinessCd>236000</BusinessCd>
        <TotalRevenueColumnAmt>416726</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>416726</RelatedOrExemptFuncIncomeAmt>
      </ProgramServiceRevenueGrp>
      <ProgramServiceRevenueGrp>
        <Desc>NMTC INTEREST INCOME</Desc>
        <BusinessCd>531390</BusinessCd>
        <TotalRevenueColumnAmt>228045</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>228045</RelatedOrExemptFuncIncomeAmt>
      </ProgramServiceRevenueGrp>
      <ProgramServiceRevenueGrp>
        <Desc>NEW MARKET TAX CREDIT</Desc>
        <BusinessCd>531390</BusinessCd>
        <TotalRevenueColumnAmt>39997</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>39997</RelatedOrExemptFuncIncomeAmt>
      </ProgramServiceRevenueGrp>
      <TotalProgramServiceRevenueAmt>2148802</TotalProgramServiceRevenueAmt>
      <InvestmentIncomeGrp>
        <TotalRevenueColumnAmt>149374</TotalRevenueColumnAmt>
        <ExclusionAmt>149374</ExclusionAmt>
      </InvestmentIncomeGrp>
      <GrossAmountSalesAssetsGrp>
        <SecuritiesAmt>705367</SecuritiesAmt>
      </GrossAmountSalesAssetsGrp>
      <LessCostOthBasisSalesExpnssGrp>
        <SecuritiesAmt>705868</SecuritiesAmt>
      </LessCostOthBasisSalesExpnssGrp>
      <GainOrLossGrp>
        <SecuritiesAmt>-501</SecuritiesAmt>
      </GainOrLossGrp>
      <NetGainOrLossInvestmentsGrp>
        <TotalRevenueColumnAmt>-501</TotalRevenueColumnAmt>
        <ExclusionAmt>-501</ExclusionAmt>
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      <ContriRptFundraisingEventAmt>442569</ContriRptFundraisingEventAmt>
      <FundraisingDirectExpensesAmt>235446</FundraisingDirectExpensesAmt>
      <NetIncmFromFundraisingEvtGrp>
        <TotalRevenueColumnAmt>-235446</TotalRevenueColumnAmt>
        <ExclusionAmt>-235446</ExclusionAmt>
      </NetIncmFromFundraisingEvtGrp>
      <TotalRevenueGrp>
        <TotalRevenueColumnAmt>17714900</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>2148802</RelatedOrExemptFuncIncomeAmt>
        <UnrelatedBusinessRevenueAmt>0</UnrelatedBusinessRevenueAmt>
        <ExclusionAmt>-86573</ExclusionAmt>
      </TotalRevenueGrp>
      <GrantsToDomesticOrgsGrp>
        <TotalAmt>358400</TotalAmt>
        <ProgramServicesAmt>358400</ProgramServicesAmt>
      </GrantsToDomesticOrgsGrp>
      <CompCurrentOfcrDirectorsGrp>
        <TotalAmt>1334171</TotalAmt>
        <ProgramServicesAmt>1013593</ProgramServicesAmt>
        <ManagementAndGeneralAmt>170252</ManagementAndGeneralAmt>
        <FundraisingAmt>150326</FundraisingAmt>
      </CompCurrentOfcrDirectorsGrp>
      <OtherSalariesAndWagesGrp>
        <TotalAmt>8185351</TotalAmt>
        <ProgramServicesAmt>6218557</ProgramServicesAmt>
        <ManagementAndGeneralAmt>1044521</ManagementAndGeneralAmt>
        <FundraisingAmt>922273</FundraisingAmt>
      </OtherSalariesAndWagesGrp>
      <PensionPlanContributionsGrp>
        <TotalAmt>115352</TotalAmt>
        <ProgramServicesAmt>87635</ProgramServicesAmt>
        <ManagementAndGeneralAmt>14720</ManagementAndGeneralAmt>
        <FundraisingAmt>12997</FundraisingAmt>
      </PensionPlanContributionsGrp>
      <OtherEmployeeBenefitsGrp>
        <TotalAmt>1007402</TotalAmt>
        <ProgramServicesAmt>765341</ProgramServicesAmt>
        <ManagementAndGeneralAmt>128553</ManagementAndGeneralAmt>
        <FundraisingAmt>113508</FundraisingAmt>
      </OtherEmployeeBenefitsGrp>
      <PayrollTaxesGrp>
        <TotalAmt>719646</TotalAmt>
        <ProgramServicesAmt>546728</ProgramServicesAmt>
        <ManagementAndGeneralAmt>91833</ManagementAndGeneralAmt>
        <FundraisingAmt>81085</FundraisingAmt>
      </PayrollTaxesGrp>
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        <TotalAmt>1352665</TotalAmt>
        <ProgramServicesAmt>1095783</ProgramServicesAmt>
        <ManagementAndGeneralAmt>216882</ManagementAndGeneralAmt>
        <FundraisingAmt>40000</FundraisingAmt>
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      <OfficeExpensesGrp>
        <TotalAmt>688313</TotalAmt>
        <ProgramServicesAmt>416551</ProgramServicesAmt>
        <ManagementAndGeneralAmt>24135</ManagementAndGeneralAmt>
        <FundraisingAmt>247627</FundraisingAmt>
      </OfficeExpensesGrp>
      <OccupancyGrp>
        <TotalAmt>1124459</TotalAmt>
        <ProgramServicesAmt>1088607</ProgramServicesAmt>
        <ManagementAndGeneralAmt>10854</ManagementAndGeneralAmt>
        <FundraisingAmt>24998</FundraisingAmt>
      </OccupancyGrp>
      <TravelGrp>
        <TotalAmt>84499</TotalAmt>
        <ProgramServicesAmt>68225</ProgramServicesAmt>
        <ManagementAndGeneralAmt>8119</ManagementAndGeneralAmt>
        <FundraisingAmt>8155</FundraisingAmt>
      </TravelGrp>
      <InterestGrp>
        <TotalAmt>234249</TotalAmt>
        <ProgramServicesAmt>42871</ProgramServicesAmt>
        <ManagementAndGeneralAmt>191378</ManagementAndGeneralAmt>
      </InterestGrp>
      <DepreciationDepletionGrp>
        <TotalAmt>109317</TotalAmt>
        <ProgramServicesAmt>106959</ProgramServicesAmt>
        <ManagementAndGeneralAmt>2358</ManagementAndGeneralAmt>
      </DepreciationDepletionGrp>
      <InsuranceGrp>
        <TotalAmt>177914</TotalAmt>
        <ProgramServicesAmt>177914</ProgramServicesAmt>
      </InsuranceGrp>
      <OtherExpensesGrp>
        <Desc>COST OF HOMES &amp; PROJECT</Desc>
        <TotalAmt>4096461</TotalAmt>
        <ProgramServicesAmt>4096461</ProgramServicesAmt>
      </OtherExpensesGrp>
      <OtherExpensesGrp>
        <Desc>BAD DEBT</Desc>
        <TotalAmt>797801</TotalAmt>
        <ProgramServicesAmt>797801</ProgramServicesAmt>
      </OtherExpensesGrp>
      <OtherExpensesGrp>
        <Desc>MISCELLANEOUS</Desc>
        <TotalAmt>555430</TotalAmt>
        <ProgramServicesAmt>193074</ProgramServicesAmt>
        <ManagementAndGeneralAmt>38895</ManagementAndGeneralAmt>
        <FundraisingAmt>323461</FundraisingAmt>
      </OtherExpensesGrp>
      <OtherExpensesGrp>
        <Desc>RESTORE COST OF SALES</Desc>
        <TotalAmt>371834</TotalAmt>
        <ProgramServicesAmt>371834</ProgramServicesAmt>
      </OtherExpensesGrp>
      <AllOtherExpensesGrp>
        <TotalAmt>843452</TotalAmt>
        <ProgramServicesAmt>761227</ProgramServicesAmt>
        <ManagementAndGeneralAmt>48258</ManagementAndGeneralAmt>
        <FundraisingAmt>33967</FundraisingAmt>
      </AllOtherExpensesGrp>
      <TotalFunctionalExpensesGrp>
        <TotalAmt>22156716</TotalAmt>
        <ProgramServicesAmt>18207561</ProgramServicesAmt>
        <ManagementAndGeneralAmt>1990758</ManagementAndGeneralAmt>
        <FundraisingAmt>1958397</FundraisingAmt>
      </TotalFunctionalExpensesGrp>
      <CashNonInterestBearingGrp>
        <BOYAmt>1429456</BOYAmt>
        <EOYAmt>1998463</EOYAmt>
      </CashNonInterestBearingGrp>
      <SavingsAndTempCashInvstGrp>
        <BOYAmt>2629154</BOYAmt>
        <EOYAmt>408208</EOYAmt>
      </SavingsAndTempCashInvstGrp>
      <PledgesAndGrantsReceivableGrp>
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      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PART I, LINE 1, DESCRIPTION OF ORGANIZATION MISSION:</FormAndLineReferenceDesc>
        <ExplanationTxt>HABITAT FOR HUMANITY BUILDS AFFORDABLE HOMES, PRESERVES AFFORDABLE HOUSING WHERE IT STANDS, AND PREPARES PEOPLE FOR HOMEOWNERSHIP THROUGH FINANCIAL COUNSELING AND EDUCATION. HABITAT FOR HUMANITY HAS SERVED OVER 51 MILLION PEOPLE WORLDWIDE. HERE IN THE BAY AREA, IN ONE OF THE WORLD'S TOUGHEST HOUSING MARKETS, WE WORK TO CREATE OPPORTUNITY AND FOSTER JUSTICE THROUGH HOUSING. - WE BUILD HOMES AND MAKE IT POSSIBLE FOR FAMILIES TO BUILD STRENGTH, STABILITY, AND SELF-RELIANCE THROUGH AFFORDABLE HOMEOWNERSHIP. - WE PRESERVE OUR AFFORDABLE HOUSING STOCK AND KEEP OUR NEIGHBORS IN SAFE, HEALTHY HOMES PREVENTING DISPLACEMENT. - WE OFFER SKILLS AND EDUCATION THROUGH OUR HOUSING &amp; FINANCIAL COUNSELING PROGRAM. ADVANCE ACCESS TO HOMEOWNERSHIP: HABITAT IS COMMITTED TO ENSURING THAT MORE PEOPLE AND FAMILIES HAVE ACCESS TO THE TRANSFORMATIONAL OPPORTUNITY OF HOMEOWNERSHIP. BY MAKING HOMEOWNERSHIP AFFORDABLE, KEEPING HOMEOWNERSHIP SUSTAINABLE, AND FOSTERING THE FINANCIAL SKILLS THAT MAKE HOMEOWNERSHIP ATTAINABLEHABITAT BREAKS DOWN KEY BARRIERS THAT BAR TOO MANY FROM THIS CRITICAL DRIVER OF POSITIVE FINANCIAL, HEALTH, EDUCATIONAL, COMMUNITY, AND GENERATIONAL OUTCOMES. WE AIM TO SERVE THE NEEDS OF OUR COMMUNITY WITH INTENTION AND PURPOSE SO THAT WE CAN BUILD MORE HOUSING OPPORTUNITY AND CONTRIBUTE TO A HEALTHIER HOUSING ECOSYSTEM FOR US ALL. SUSTAINABLE BUILDING: FOR MORE THAN TWO DECADES, HABITAT HAS BUILT OUR HOMES TO RIGOROUS LOCAL, STATE, AND NATIONAL GREEN BUILDING STANDARDS. WE CONSTANTLY STRIVE TO STRENGTHEN OUR COMMITMENT TO SUSTAINABILITY EVEN FURTHER, INCLUDING A COMMITMENT TO ACHIEVING ZERO NET ENERGY ON ALL NEW HABITAT DEVELOPMENTS ENSURING THAT HABITAT COMMUNITIES CONTRIBUTE MORE ENERGY THAN THEY CONSUME. WE LOOK AT OUR DEVELOPMENTS THROUGH A WHOLE-SYSTEMS APPROACH, CONSERVING ENERGY AND RESOURCES, PRIORITIZING THE HEALTH OF THE HOMEOWNER AND THE PLANET, AND ACHIEVING MAXIMUM IMPACT WITH MINIMUM FOOTPRINT. SUSTAINABLE BUSINESS RESTORE: HABITAT OPERATES THREE RESTORES IN OAKLAND, CONCORD, AND SAN JOSE THAT ACCEPT DONATIONS OF QUALITY NEW AND USED HOME IMPROVEMENT GOODS AND SELL THEM TO THE PUBLIC AT DISCOUNTED PRICES. RESTORES ARE SUSTAINABLE FOR THE PLANET AND FOR HABITAT DIVERTING OVER 15 MILLION POUNDS OF USABLE ITEMS FROM LANDFILL ANNUALLY AND REINVESTING ALL PROCEEDS IN OUR WORK TO BRING AFFORDABLE HOMEOWNERSHIP, FINANCIAL WELLNESS, AND SECURE, SUPPORTIVE SHELTER WITHIN REACH OF MORE PEOPLE AND FAMILIES WITH LIMITED INCOMES. INVESTMENT IN IMPACT: AN INVESTMENT IN HABITAT IS AN INVESTMENT IN FAR MORE THAN WALLS AND WINDOWS. AS WE SAW IN A RECENT SOCIAL IMPACT STUDY, A HABITAT HOME PAYS SIGNIFICANT DIVIDENDS WHEN IT COMES TO FAMILIES' HEALTH, SAFETY, EDUCATION, FINANCIAL WELLNESS, COMMUNITY CONNECTIONS, AND MORE. OUR ECONOMIC IMPACT STUDY DEMONSTRATED THAT HABITAT'S WORK CREATES A RIPPLE EFFECT OF ECONOMIC ACTIVITY IN THE COMMUNITY, MANY TIMES ITS INITIAL INVESTMENT. OUR HOME PRESERVATION PROGRAM PROTECTS AFFORDABLE HOUSING STOCK, STABILIZES AND BEAUTIFIES COMMUNITIES, AND MOST OF ALL, KEEPS LOW-INCOME HOMEOWNERS IN THEIR HOMES AND NEIGHBORHOODS. OUR HOUSING &amp; FINANCIAL COUNSELING PROGRAM HELPS CLIENTS BUILD THE SKILLS AND HABITS THEY NEED TO TAKE ON THE RESPONSIBILITY OF HOMEOWNERSHIP SUCCESSFULLY AND ACHIEVE FINANCIAL WELLNESS. WE SEEK OPPORTUNITIES TO PARTNER WITH OTHER AGENCIES TO EXPAND IMPACT EVEN FURTHER, PROVIDING INNOVATIVE AND EFFECTIVE SOLUTIONS TO THE HOUSING CRISIS. COMMUNITY SUPPORT: HABITAT DEPENDS ON COMMUNITY SUPPORT TO CREATE SUCH IMPACT. ALL OUR BUILDING EFFORTS AND EVERY PERSON AND FAMILY WE SERVE IS THE RESULT OF MANY HEARTS AND HANDS, VOLUNTEERING AND GIVING. WE WORK TO LEVERAGE EVERY GIFT OF TIME AND RESOURCES WITH RESPONSIBILITY, INTELLIGENCE, AND FOR MAXIMUM POSITIVE IMPACT. AWARDS AND DISTINCTIONS: WE'RE PROUD TO CONSISTENTLY EARN HIGH RATINGS ON CHARITY NAVIGATOR, GUIDESTAR, AND BETTER BUSINESS BUREAU FOR BEING RESPONSIBLE AND EFFECTIVE STEWARDS OF OUR DONORS' GENEROSITY.</ExplanationTxt>
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        <FormAndLineReferenceDesc>FORM 990, PART VI, SECTION B, LINE 11B</FormAndLineReferenceDesc>
        <ExplanationTxt>THE FORM 990 IS FIRST REVIEWED BY THE AUDIT COMMITTEE. THE FULL BOARD ALSO REVIEWS AND COMMENTS BEFORE VOTING TO APPROVE UPON RECOMMENDATION FROM THE AUDIT COMMITTEE.</ExplanationTxt>
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        <FormAndLineReferenceDesc>FORM 990, PART VI, SECTION B, LINE 12C</FormAndLineReferenceDesc>
        <ExplanationTxt>THE CONFLICT OF INTEREST POLICY STATEMENT AND CONFIRMATION OF COMPLIANCE IS SENT TO EACH DIRECTOR, OFFICER AND EMPLOYEE. EACH IS REQUIRED TO NOTE ANY POTENTIAL CONFLICT IN ACCORDANCE WITH POLICY GUIDELINES AND TO SIGN THE DOCUMENTS.</ExplanationTxt>
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      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PART VI, SECTION B, LINE 15</FormAndLineReferenceDesc>
        <ExplanationTxt>THE COMPENSATION COMMITTEE DETERMINES THE COMPENSATION BASED ON COMPENSATION SURVEYS AND STUDIES AND THE FORM 990 OF OTHER ORGANIZATIONS. THE FULL BOARD APPROVES THE DETERMINATION.</ExplanationTxt>
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        <ExplanationTxt>UPON WRITTEN REQUEST THE ORGANIZATION WILL PROVIDE THIS INFORMATION.</ExplanationTxt>
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        <FormAndLineReferenceDesc>FORM 990, PART XII, LINE 2C:</FormAndLineReferenceDesc>
        <ExplanationTxt>THE OVERSIGHT PROCESS HAS NOT BEEN CHANGED FROM PRIOR YEAR.</ExplanationTxt>
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      <TransactionsRelatedOrgGrp>
        <OtherOrganizationName>
          <BusinessNameLine1Txt>HABITAT COMMUNITY CAPITAL</BusinessNameLine1Txt>
        </OtherOrganizationName>
        <TransactionTypeTxt>E</TransactionTypeTxt>
        <InvolvedAmt>2394137</InvolvedAmt>
        <MethodOfAmountDeterminationTxt>FAIR VALUE</MethodOfAmountDeterminationTxt>
      </TransactionsRelatedOrgGrp>
    </IRS990ScheduleR>
  </ReturnData>
</Return>