CONSUMER MORTGAGE COALITION

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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

2011

Legal Domicile

Principal Officer

ANNE C CANFIELD

Phone

2026172101

Tax Period

2018-01-01 to 2018-12-31

CONSUMER MORTGAGE COALITION, founded in 2011, is a small nonprofit that reported $135K in total revenue in fiscal year 2018. Revenue grew 12% year-over-year, indicating healthy expansion. Expenses of $130K left a modest 3% surplus.

Mission

THE COALITION IS A TRADE ASSOCIATION OF NATIONAL MORTGAGE LENDERS, SERVICERS, AND SERVICE PROVIDERS. MEMBERSHIP INCLUDES NATIONAL LENDERS AND SERVICERS THAT ORIGINATE, FUND AND SERVICE LOANS, ALONG WITH SERVICE PROVIDERS THAT PROVIDE MORTGAGE-RELATED SETTLEMENT SERVICES.

Program Service Accomplishments

Program 1

ANALYSIS AND DISCUSSION OF EXISTING LAWS AND REGULATIONS AFFECTING THE MORTGAGE INDUSTRY, AND COMMENTS ON PROPOSED REGULATIONS.

Program 2

PURSUIT OF EFFORTS TO RATIONALIZE THE REGULATIONS IMPACTING THE MORTGAGE ORIGINATION AND SERVICING PROCESSES.

Program 3

ANALYSIS OF SECONDARY MARKET ACTIVITIES.

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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 (2018)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $120,000

Investment Income $0

Other Revenue $15,000

TOTAL REVENUE $135,000

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $130,335

TOTAL EXPENSES $130,335

Year-over-Year Comparison

	2018	2017	Change
Revenue	$135,000	$120,000	+0.1%
Expenses	$130,335	$124,227	+0.0%
Net Income	$4,665	$-4,227	-2.1%

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

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	Hours/Week	Role	Reportable Comp	Other Comp	Total
MADELINE FLANAGAN	GENERAL COUNSEL	1.00	Director	$0	$0	$0
ANNE C CANFIELD	EXECUTIVE DIRECTOR	1.00	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
2018	$135,000	$130,335	$4,912	$4,665