FLORIDA ASSOC OF MORTGAGE BROKERS (EIN 237306295) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1960

Legal Domicile

Phone

8004404066

Tax Period

2025-01-01 to 2025-12-31

FLORIDA ASSOC OF MORTGAGE BROKERS, founded in 1960, is a small nonprofit that reported $944K in total revenue in fiscal year 2025. Revenue surged 30% from the prior year, signaling strong growth momentum. Expenses of $858K left a modest 9% surplus.

Mission

PROMOTE MORTGAGE BROKERING

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $246,151

Program Service Revenue $685,037

Investment Income $13,225

Other Revenue $0

TOTAL REVENUE $944,413

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $456,384

Other Expenses $857,542

TOTAL EXPENSES $857,542

Year-over-Year Comparison

	2025	2024	Change
Revenue	$944,413	$728,797	+0.3%
Expenses	$857,542	$650,654	+0.3%
Net Income	$86,871	$78,143	+0.1%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

N/A

Volunteers

N/A

Governance Policies

✗ Conflict of Interest Policy

✗ Whistleblower Policy

✗ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Role	Reportable Comp	Other Comp	Total
NATHANIEL BITTMAN	IMMEDIATE PAST PRESIDENT	Officer	$0	$0	$0
ORLANDO DIAZ	PRESIDENT	Officer	$0	$0	$0
BRYAN CRONIN	TREASURER	Officer	$0	$0	$0
JASON MCMULLEN	VICE PRESIDENT	Officer	$0	$0	$0
ELIZABETH AVALO	SECRETARY	Officer	$0	$0	$0

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2025	$944,413	$857,542	$708,610	$86,871
2024	$728,797	$650,654	$579,777	$78,143
2023	$681,125	$712,490	$525,044	$-31,365
2022	$682,210	$548,911	$534,625	$133,299
2021	$503,487	$401,931	$401,010	$101,556
2020	$300,268	$291,071	$276,310	$9,197
2019	$593,330	$497,279	$267,380	$96,051
2018	$411,488	$476,801	$174,147	$-65,313

FLORIDA ASSOC OF MORTGAGE BROKERS