Housing & Shelter (L82) 990 on File

HOC LENDING INC

EIN: 82-2154953 · NEW HAVEN, CT 06511-3152 · United States · FY 2025 Data

Not rated Based on 2+ years of filings

Financial strength (30%) 39/100

Reliability (20%) 30/100

Effectiveness (25%) 68/100

Impact (25%) No data yet

Financial data: FY 2025 · Scored 10/18/2026

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CharityAI™ Score

Not yet evaluated

Financial Overview — FY 2025

$21K

Total Revenue

$53K

Total Expenses

Net Assets

Employees

Revenue Sources

Expense Breakdown

Program Expense Ratio 100.0%

Fundraising Efficiency N/A

Operating Reserve 0.00x

Liability-to-Asset N/A

Revenue Diversification 96.1%

Compared with Peers

Peer comparison is not available for this organization.

Financial History

Year	Revenue	Expenses	Net Assets	Program %
2025	$21K	$53K	$0	100.0%
2024	$22K	$14K	$442K	100.0%
2023	$171K	$180K	$882K	100.0%
2022	$145K	$164K	$890K	100.0%
2021	$599K	$118K	N/A	—

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Organization Details

EIN: 82-2154953
State: CT
City: NEW HAVEN
ZIP: 06511-3152
Classification: L82
Category: Housing & Shelter
Rating: Not listed Not rated
Coverage: A
Last Updated: Sep 2026
Form 990: On File

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CharityAI™ rates charities from 0 to 100 using public filings (IRS Form 990 and the equivalent registries outside the US) together with the information the charity itself provides on DonationX. Ratings are recalculated every quarter, without human bias, and shown as stars.

Four pillars

Financial strength30%

Program expense ratio, fundraising efficiency, operating reserves, liabilities and revenue diversification, compared with similar organizations.

Reliability20%

Standing with the registry, filing history, verification and how complete the profile is.

Effectiveness25%

How much goes to programs and how consistently the organization delivers them.

Impact25%

The outcomes the charity reports on DonationX: people served, cost per service and results.

Stars

★★★★★ 80–100 ★★★★☆ 60–79 ★★★☆☆ 40–59 ★★☆☆☆ 20–39 ★☆☆☆☆ 1–19

A pillar with no data counts as zero. Without impact metrics the score is capped at 59 (three stars): only the charity can supply that data.
The coverage grade (A to D) says how much filing data the score rests on; NONE means there is not enough to rate.
An organization that is not in good standing with its registry (for example a revoked tax exemption) is shown as Not rated.
"Compared with peers" places the charity's key ratios against organizations of the same country, sector and size.

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