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Baltimore Community Lending Inc

The mission of baltimore community lending is to support revitalization and strengthening of underserved baltimore neighborhoods through innovative and flexible financial assistance designed to foster community development.

Community Development Baltimore, MD EIN: 521632468 (IRS) Sign up to see website
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90
Integrity Assessment
Strong transparency
90/100 · methodology

About Baltimore Community Lending Inc

Explore Baltimore Community Lending for affordable loans, CDFI financing, and community development in Baltimore. Join us today.

Founded
Headquarters
Baltimore, MD
Foundation type
Publicly-supported charity (509(a)(2))
NTEE code
S310
IRS subsection
501(c)(03)
Ruling date
Size
large

Verified certifications

Confirmed against the issuing authority - not self-reported.

IRS Tax-Deductible since 1989

Mission

The mission of baltimore community lending is to support revitalization and strengthening of underserved baltimore neighborhoods through innovative and flexible financial assistance designed to foster community development.

Focus areas & reach

· What they work on and where
SDG alignment The 17 UN Sustainable Development Goals (SDGs) are the global agenda for ending poverty, protecting the planet, and ensuring prosperity by 2030. We tag each charity to the goals its work advances.

How it stacks up against peers

· vs. 8 similar community development in United States
Program spending This charity: 82%
Peer average: 87%
CEO comp as % of revenue This charity: 1.69%
Peer average: 0.48%
Integrity Assessment This charity: 90
Peer average: 90

Concerns

· None found
No red flags found
Screened for IRS revocation history, Open investigations, Governance scandals, Related-party deals, Excessive exec comp.

Where every $1 goes

· FY2025 · IRS 990 (FY2025)
$0.82
Program$0.82
82% to programs beats the Charity Navigator "highly efficient" threshold (75%).

GiveRadar Analysis

Original analysis from GiveRadar's dataset of comparable organizations

From what GiveRadar has verified so far, Baltimore Community Lending Inc has a complete profile, cross-referenced across 4 independent sources including the IRS.

  • GiveRadar has verified more about this organization than about 99% of the 56,086 community development charities in the United States it tracks, because GiveRadar has verified its financial disclosures and its governance. Most of those have little verified data on record yet. View this cohort
  • GiveRadar has cross-referenced this organization across 4 independent sources, led by the IRS - more than 93% of comparable organizations. See the sources
  • It has more complete contact information than nearly all comparable organizations, with a verified website, email, phone and address on record. See national comparisons
GiveRadar has verified
  • government registration
  • financial records (5 filed years)
  • disclosed leadership
  • a website
  • a contact email
  • a donation page
Not yet verified by GiveRadar
  • an owner-submitted profile claim

Analysis based on GiveRadar's benchmark dataset of 2026-07-03. It describes what GiveRadar has verified, not a judgment of the organization itself.

Common questions

· Auto-generated from filings + methodology

Baltimore Community Lending Inc is a registered community development nonprofit based in Baltimore, MD, United States. It is registered with the Internal Revenue Service (IRS). It was founded in 1989 and has been operating for 37 years. Its EIN is 521632468. According to GiveRadar's records, it holds active tax-deductible status on the IRS Publication 78 list, which means donations are tax-deductible and the organization is in good standing with the IRS. GiveRadar's Integrity Assessment for the organization is 90/100, which reflects how much public information is available, not whether the charity is legitimate. The organization reports $9M in annual revenue. 45 officers and directors are publicly disclosed. No red flags have been detected. Recent news coverage is predominantly positive.

Baltimore Community Lending Inc's EIN (Employer Identification Number) is 521632468. This is the organization's IRS tax identification number; you can use it to verify tax-exempt status and to look up its Form 990 filings with the IRS.

Baltimore Community Lending Inc has a GiveRadar Integrity Assessment of 90/100. This score combines five components: Registration (20 pts), Financial Transparency (30 pts), Governance (20 pts), Contact Availability (10 pts), and Data Recency (20 pts), with negative adjustments for any red flags. A score of 90 ('Strong transparency') reflects well-documented governance, recent financials, named leadership, and working contact details. The charity allocates 82% of expenses to programs, which contributes positively to its score. For comparison, the average integrity assessment for community development charities in United States is 90/100.

Baltimore Community Lending Inc is located in Baltimore, MD, United States. The organization was established in 1989 and has been active for 37 years.

Based on official tax filings, Baltimore Community Lending Inc has $9M in annual revenue. It allocates 82% of expenses to programs and services. This is in line with the average of 87% for community development charities in United States. Its revenue is significantly above the peer average of $3M. Create a free GiveRadar account to view the complete financial breakdown with year-over-year trends.

Baltimore Community Lending Inc is classified as a Community Development organization, registered in United States. It operates as a Publicly-supported charity (509(a)(2)). By size, it is categorized as a large organization. It has $9M in annual revenue. The organization has 45 disclosed officers and directors.

No red flags have been detected for Baltimore Community Lending Inc. GiveRadar automatically screens charities for concerning patterns including high executive compensation, low program spending, and missing financial filings. Based on available official data, no issues have been identified.

According to GiveRadar's records, Baltimore Community Lending Inc holds active tax-deductible status on the IRS Publication 78 list, which means donations are tax-deductible and the organization is in good standing with the IRS. It is registered with the Internal Revenue Service (IRS). It reports that 82% of expenses go to programs (the peer average is 87%). You can donate directly through their official donation page linked on their GiveRadar profile. GiveRadar provides data for research and does not endorse any organization. A GiveRadar Integrity Assessment reflects how much public data is available, not whether an organization is safe to donate to, so it is always smart to do your own research before giving.

Explore Baltimore Community Lending for affordable loans, CDFI financing, and community development in Baltimore. Join us today. Baltimore Community Lending Inc is classified as a community development organization registered in United States. The organization was founded in 1989.

Among community development charities registered in United States: It allocates 82% of expenses to programs, in line with the peer average of 87%. Its annual revenue of $9M is well above the peer average of $3M.

Yes, donations to Baltimore Community Lending Inc are generally tax-deductible in the United States. Baltimore Community Lending Inc is a 501(c)(3) tax-exempt organization. Its EIN is 521632468, which you can use for tax filing purposes. Donors can typically deduct contributions on their federal income tax return if they itemize deductions. Consult a tax professional for guidance specific to your situation.

Annual revenue
$1M-$10M
82% to programs
Source: IRS 990 (FY2025) why this matters
Unlock exact figures

Filing history

5 years on file from IRS 990 (FY2025): revenue, expenses, program spending, assets, and liabilities by fiscal year.

Years on record: FY2025, FY2024, FY2023, FY2022, FY2021.
Financial details are free - with a GiveRadar account

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Taxes

Tax-deductibility for donors

Donations may be tax-deductible for residents of United States under local rules. Confirm with the charity directly.

Always confirm tax treatment with the charity directly or your tax advisor before donating.

Staff & volunteers

From filings and published profiles

Employees
21

Leadership

From FY2025 filing

WA
Watchen H••••• B••••
President & CEO

Officers & trustees (15)

Source: Public filings

See full names, roles, and stories

15 officers and trustees on file - free with a GiveRadar account.

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Latest news

From global news sources

10 articles found

From news sources and the organization. Shown for transparency; news never affects the integrity score.

Activity timeline

Filings and press mentions, merged

Baltimore Community Lending Announces Calvin Gladney as New President & CEO, Building on a Legacy of Community Impact -
Jul 2026
sg.finance.yahoo.com
Introducing The Watchen Bruce Neighborhood Renewal Initiative: A Commitment to Baltimore's Future - PR Newswire
Feb 2026
www.prnewswire.com
Form filed
$8.8M revenue
FY2025
IRS 990
The 50+ top Baltimore execs who retired, were hired or moved in 2025 - The Business Journals
Dec 2025
www.bizjournals.com
BBJ Power 10: Watchen Harris Bruce, Baltimore Community Lending - The Business Journals
Sep 2025
www.bizjournals.com
Baltimore Community Lending Appoints Amine Lahlou and Michael F. Allen to its Board of Directors - citybiz
Aug 2025
www.citybiz.co
Millions in grants from Key Bridge fund go to small businesses still bouncing back from collapse impact - WMAR 2 News Ba
Jun 2025
www.wmar2news.com
Baltimore Community Lending Celebrates Grand Opening of Business Development & Resource Center - NCRC
Jun 2025
ncrc.org
Form filed
$6.4M revenue
FY2024
IRS 990
Form filed
$4.9M revenue
FY2023
IRS 990
Form filed
$5.0M revenue
FY2022
IRS 990
University of Maryland Medical System wants to make a social impact with new $14M investment - Baltimore Sun
Sep 2022
www.baltimoresun.com
Baltimore Community Lending expands service outside of city - The Business Journals
Apr 2022
www.bizjournals.com
Baltimore Market Redevelopment Project Thinks Local - Next City
Feb 2022
nextcity.org
Form filed
$4.2M revenue
FY2021
IRS 990

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Cause areas in United States

How many charities work in each area, with this charity's area highlighted.

Human Services 322,679
Education 195,586
Arts & Culture 133,128
Advocacy & Civil Rights 128,026
Religion 114,636
Health 98,862
Community Development this charity 56,086
Youth Development 53,450
See all cause areas in United States

Most common causes in United States

Causes charities work on most, with this charity's causes ticked.

Community Development 235,146
Education 159,016
Religion 103,741
Arts & Culture 101,203
Human Rights 76,926
Health 65,250
Youth Development 47,775
Animal Welfare 32,425

Sources and verification

Registration and legal identity
Internal Revenue Service (IRS) - Tax Exempt Organization Search
Financial filings
IRS Form 990 filings - Fiscal year 2025 most recent on file.
Officers and trustees
Internal Revenue Service (IRS) - Tax Exempt Organization Search - 45 disclosed in the public registry.
News and media coverage
GDELT Project + Google News
Supplementary verification
Charity Navigator

Data freshness

Last updated
Jun 12, 2026
Registry checked
Jun 6, 2026
Profile completeness
100%

What we know and don't know

Exactly which public data we hold on this charity. Our score reflects transparency, not impact.

On record · 10
  • Financial data · FY2025 on record
  • Named leadership · 45 officers on file
  • Executive pay · Disclosed
  • Government registration · Registered with an official registry
  • Mission statement · Published
  • Official website · On record
  • Headquarters address · On file
  • Direct contact · Email or phone published
  • Tax-deductibility · Verified
  • Founding date · 1989
Not available · 1
  • Programs & activities
    No named programs listed by the charity

Methodology

GiveRadar builds each profile primarily from official government charity registries, supplemented where available by third-party nonprofit databases and news archives, and combines it into a single 0-100 integrity assessment. The exact sources for this charity are listed above. We don't take a cut of any donation, ever.

Read full methodology

Are you the owner or a board member?

If you represent this organization and want to correct or update its data, you can claim this listing to edit details yourself, or email [email protected] with the correct information. We review every request and respond within 30 days.

Quick facts about Baltimore Community Lending Inc

What is Baltimore Community Lending Inc?
Baltimore Community Lending Inc is a community development publicly-supported charity (509(a)(2)) based in Baltimore, United States. Explore Baltimore Community Lending for affordable loans, CDFI financing, and community development in Baltimore. Join us today.
When was Baltimore Community Lending Inc founded?
Baltimore Community Lending Inc was founded in 1989.
Who leads Baltimore Community Lending Inc?
Watchen Harris Bruce serves as President & CEO.
Where is Baltimore Community Lending Inc located?
Headquartered in Baltimore, MD, United States.
What is Baltimore Community Lending Inc's annual budget?
Annual revenue for fiscal year 2025 is approximately $1M-$10M. 82% of expenses go to program services.
Is Baltimore Community Lending Inc trustworthy?
Baltimore Community Lending Inc has a GiveRadar Integrity Assessment of 90 out of 100 (Strong transparency). The score reflects public-data transparency: registration, financial disclosure, governance, contact details, and how recently data was refreshed. It does not measure program impact.
What is Baltimore Community Lending Inc's registration number?
IRS EIN: 521632468.
What is Baltimore Community Lending Inc's website?
http://www.bclending.org