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      <ActivityOrMissionDesc>THE MISSION OF CROW RIVER HABITAT FOR HUMANITY (CRHFH) IS TO ELIMINATE POVERTY HOUSING FROM MCLEOD COUNTY AND TO MAKE DECENT, AFFORDABLE SHELTER FOR ALL PEOPLE A MATTER OF CONSCIENCE. CRHFH FULFILLS ITS MISSION THROUGH TWO PROGRAM INITIATIVES WHICH ADDRESS HOME OWNERSHIP NEEDS IN THE COMMUNITY WHILE ENGAGING THE COMMUNITY IN THE ISSUES OF AFFORDABLE HOMEOWNERSHIP.</ActivityOrMissionDesc>
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      <MissionDesc>THE MISSION OF CROW RIVER HABITAT FOR HUMANITY (CRHFH) IS TO ELIMINATE POVERTY HOUSING FROM MCLEOD COUNTY AND TO MAKE DECENT, AFFORDABLE SHELTER FOR ALL PEOPLE A MATTER OF CONSCIENCE. CRHFH FULFILLS ITS MISSION THROUGH TWO PROGRAM INITIATIVES WHICH ADDRESS HOME OWNERSHIP NEEDS IN THE COMMUNITY WHILE ENGAGING THE COMMUNITY IN THE ISSUES OF AFFORDABLE HOMEOWNERSHIP.</MissionDesc>
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      <Desc>CROW RIVER HABITAT FOR HUMANITY (CRHFH) CREATES AFFORDABLE HOME OWNERSHIP BY MATCHING A SITE TO FAMILY AND THEN ENGAGES THE FAMILY AND COMMUNITY VOLUNTEERS TO BUILD OR REHAB THE HOME USING DONATED LABOR, MATERIALS AND CONTRIBUTED FUNDS. THE HOMES ARE SOLD TO LOCAL LOW-INCOME FAMILIES THAT EARN BETWEEN 30%-60% OF MCLEOD COUNTY'S AREA MEDIAN INCOME. CRHFH AND THE HABITAT FAMILY AGREE TO THE PRICE OF THE 1ST AND 2ND MORTGAGE THAT IS MOST AFFORDABLE FOR THE HOUSEHOLD BEFORE GROUND BREAKING. CRHFH MANAGES THE PROJECT BUDGET AND PARTNERS WITH RURAL DEVELOPMENT TO FINANCE THE HOME. AT THE TIME OF CLOSING, THE FAMILY ENTERS INTO A LOW-INTEREST LOAN AGREEMENT TO PAY THE FIRST MORTGAGE TO RURAL DEVELOPMENT OVER 33 YEARS AND A SECOND MORTGAGE TO CRHFH ON THE HOME TO CAPTURE THE DIFFERENCE BETWEEN ACTUAL COST AND FAIR MARKET VALUE. THE FIRST MORTGAGE PAYMENT FROM RURAL DEVELOPMENT ARE ADDED TO THE BUILDING RESOURCES FOR FUTURE HABITAT HOME PROJECTS. CRHFH ALSO PREPARES FAMILIES TO BE SUCCESSFUL HOMEOWNERS BY HAVING THEM COMPLETE CLASSES RANGING FROM PERSONAL FINANCE TO HOME MAINTENANCE. 28 FAMILIES HAVE PURCHASED HOMES SINCE 1996. CRHFH IS CONSTANTLY WORKING WITH A BROAD RANGE OF COMMUNITY PARTNERS TO ELIMINATE POVERTY HOUSING AND EDUCATE THE PUBLIC ON AFFORDABLE HOUSING ISSUES. CRHFH UTILIZED ADVOCATES WHO SUPPORT OUR PUBLIC POLICY EFFORT. ADDITIONALLY, CRHFH IS SUPPORTED BY COUNTLESS VOLUNTEERS IN ALL ASPECTS OF OUR MISSION WORK. PRESERVING HOMEOWNERSHIP IS A PROGRAM WHICH ALLOWS EXISTING HOMEOWNERS IN THE COMMUNITY TO REMAIN IN THEIR HOME. PRIORITY IS GIVEN TO THE ELDERLY, VETERANS, THOSE WITH DISABILITIES AND SINGLE PARENTS.</Desc>
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        <EOYAmt>37916</EOYAmt>
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        <EOYAmt>71679</EOYAmt>
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        <EOYAmt>109595</EOYAmt>
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      <OrganizationFollowsFASB117Ind>X</OrganizationFollowsFASB117Ind>
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        <BOYAmt>1158280</BOYAmt>
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        <BOYAmt>1158280</BOYAmt>
        <EOYAmt>1292712</EOYAmt>
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        <EOYAmt>1402307</EOYAmt>
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      <ReconcilationRevenueExpnssAmt>134432</ReconcilationRevenueExpnssAmt>
      <MethodOfAccountingAccrualInd>X</MethodOfAccountingAccrualInd>
      <AccountantCompileOrReviewInd>false</AccountantCompileOrReviewInd>
      <FSAuditedInd>true</FSAuditedInd>
      <FSAuditedBasisGrp>
        <SeparateBasisFinclStmtInd>X</SeparateBasisFinclStmtInd>
      </FSAuditedBasisGrp>
      <AuditCommitteeInd>true</AuditCommitteeInd>
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    <IRS990ScheduleA documentId="RetDoc7">
      <PublicOrganization170Ind>X</PublicOrganization170Ind>
      <GiftsGrantsContriRcvd170Grp>
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        <CurrentTaxYearMinus2YearsAmt>33898</CurrentTaxYearMinus2YearsAmt>
        <CurrentTaxYearMinus1YearAmt>116253</CurrentTaxYearMinus1YearAmt>
        <CurrentTaxYearAmt>213218</CurrentTaxYearAmt>
        <TotalAmt>515873</TotalAmt>
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        <CurrentTaxYearMinus2YearsAmt>33898</CurrentTaxYearMinus2YearsAmt>
        <CurrentTaxYearMinus1YearAmt>116253</CurrentTaxYearMinus1YearAmt>
        <CurrentTaxYearAmt>213218</CurrentTaxYearAmt>
        <TotalAmt>515873</TotalAmt>
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      <SubstantialContributorsTotAmt>206360</SubstantialContributorsTotAmt>
      <PublicSupportTotal170Amt>309513</PublicSupportTotal170Amt>
      <GrossInvestmentIncome170Grp>
        <CurrentTaxYearMinus4YearsAmt>58</CurrentTaxYearMinus4YearsAmt>
        <CurrentTaxYearMinus3YearsAmt>84</CurrentTaxYearMinus3YearsAmt>
        <CurrentTaxYearMinus2YearsAmt>128</CurrentTaxYearMinus2YearsAmt>
        <CurrentTaxYearMinus1YearAmt>165</CurrentTaxYearMinus1YearAmt>
        <CurrentTaxYearAmt>206</CurrentTaxYearAmt>
        <TotalAmt>641</TotalAmt>
      </GrossInvestmentIncome170Grp>
      <OtherIncome170Grp>
        <CurrentTaxYearMinus4YearsAmt>831</CurrentTaxYearMinus4YearsAmt>
        <CurrentTaxYearMinus3YearsAmt>31308</CurrentTaxYearMinus3YearsAmt>
        <CurrentTaxYearMinus2YearsAmt>11508</CurrentTaxYearMinus2YearsAmt>
        <CurrentTaxYearMinus1YearAmt>749</CurrentTaxYearMinus1YearAmt>
        <TotalAmt>44396</TotalAmt>
      </OtherIncome170Grp>
      <TotalSupportAmt>560910</TotalSupportAmt>
      <GrossReceiptsRltdActivitiesAmt>771840</GrossReceiptsRltdActivitiesAmt>
      <PublicSupportCY170Pct>0.55180</PublicSupportCY170Pct>
      <PublicSupportPY170Pct>0.77800</PublicSupportPY170Pct>
      <ThirtyThrPctSuprtTestsCY170Ind>X</ThirtyThrPctSuprtTestsCY170Ind>
      <Form990ScheduleAPartVIGrp>
        <FormAndLineReferenceDesc>PART II, LINE 10</FormAndLineReferenceDesc>
        <ExplanationTxt>LATE FEE INCOME 4,105 SECOND MORTGAGE RECEIVED 40,291</ExplanationTxt>
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    </IRS990ScheduleA>
    <IRS990ScheduleB documentId="RetDoc1">
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        <ContributorNum>RESTRICTED</ContributorNum>
        <ContributorBusinessName>
          <BusinessNameLine1>RESTRICTED</BusinessNameLine1>
        </ContributorBusinessName>
        <ContributorUSAddress>
          <AddressLine1>RESTRICTED</AddressLine1>
          <AddressLine2>RESTRICTED</AddressLine2>
          <City>RESTRICTED</City>
          <State>RESTRICTED</State>
          <ZIPCode>RESTRICTED</ZIPCode>
        </ContributorUSAddress>
        <TotalContributionsAmt>RESTRICTED</TotalContributionsAmt>
      </ContributorInformationGrp>
    </IRS990ScheduleB>
    <IRS990ScheduleD documentId="RetDoc4">
      <EquipmentGrp>
        <OtherCostOrOtherBasisAmt>21874</OtherCostOrOtherBasisAmt>
        <DepreciationAmt>17089</DepreciationAmt>
        <BookValueAmt>4785</BookValueAmt>
      </EquipmentGrp>
      <TotalBookValueLandBuildingsAmt>4785</TotalBookValueLandBuildingsAmt>
      <OtherAssetsOrgGrp>
        <Desc>CONSTRUCTION IN PROGRESS</Desc>
        <BookValueAmt>167883</BookValueAmt>
      </OtherAssetsOrgGrp>
      <OtherAssetsOrgGrp>
        <Desc>LOTS HELD FOR FUTURE USE</Desc>
        <BookValueAmt>48736</BookValueAmt>
      </OtherAssetsOrgGrp>
      <TotalBookValueOtherAssetsAmt>216619</TotalBookValueOtherAssetsAmt>
      <TotalRevEtcAuditedFinclStmtAmt>273262</TotalRevEtcAuditedFinclStmtAmt>
      <OtherRevenueAmt>46394</OtherRevenueAmt>
      <RevenueNotReportedAmt>46394</RevenueNotReportedAmt>
      <RevenueSubtotalAmt>226868</RevenueSubtotalAmt>
      <TotalRevenuePerForm990Amt>226868</TotalRevenuePerForm990Amt>
      <TotExpnsEtcAuditedFinclStmtAmt>106974</TotExpnsEtcAuditedFinclStmtAmt>
      <OtherExpensesIncludedAmt>14538</OtherExpensesIncludedAmt>
      <ExpensesNotReportedAmt>14538</ExpensesNotReportedAmt>
      <ExpensesSubtotalAmt>92436</ExpensesSubtotalAmt>
      <TotalExpensesPerForm990Amt>92436</TotalExpensesPerForm990Amt>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>SCHEDULE D, PAGE 4, PART XI, LINE 2D</FormAndLineReferenceDesc>
        <ExplanationTxt>DIRECT FUNDRAISING EXPENSES 8,912 LOAN DISCOUNT 37,482</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>SCHEDULE D, PAGE 4, PART XII, LINE 2D</FormAndLineReferenceDesc>
        <ExplanationTxt>NOTE PAYABLE DISCOUNTS 5,626 DIRECT FUNDRAISING EXPENSES 8,912</ExplanationTxt>
      </SupplementalInformationDetail>
    </IRS990ScheduleD>
    <IRS990ScheduleG documentId="RetDoc5">
      <FundraisingEventInformationGrp>
        <Event1Nm>VETERANS BUILD</Event1Nm>
        <GrossReceiptsEvent1Amt>70216</GrossReceiptsEvent1Amt>
        <CharitableContriEvent1Amt>70216</CharitableContriEvent1Amt>
        <Event2Nm>HAMMER &amp; NAILS</Event2Nm>
        <GrossReceiptsEvent2Amt>12022</GrossReceiptsEvent2Amt>
        <GrossRevenueEvent2Amt>12022</GrossRevenueEvent2Amt>
        <NonCashPrizesEvent2Amt>25</NonCashPrizesEvent2Amt>
        <RentFacilityCostsEvent2Amt>2000</RentFacilityCostsEvent2Amt>
        <FoodAndBeverageEvent2Amt>745</FoodAndBeverageEvent2Amt>
        <EntertainmentEvent2Amt>340</EntertainmentEvent2Amt>
        <OtherDirectExpensesEvent2Amt>1245</OtherDirectExpensesEvent2Amt>
        <OtherEventsTotalCnt>2</OtherEventsTotalCnt>
        <GrossReceiptsOtherEventsAmt>13343</GrossReceiptsOtherEventsAmt>
        <CharitableContriOtherEventsAmt>8127</CharitableContriOtherEventsAmt>
        <GrossRevenueOtherEventsAmt>5216</GrossRevenueOtherEventsAmt>
        <FoodAndBeverageOtherEventsAmt>1628</FoodAndBeverageOtherEventsAmt>
        <EntertainmentOtherEventsAmt>400</EntertainmentOtherEventsAmt>
        <OthDirectExpnssOtherEventsAmt>1295</OthDirectExpnssOtherEventsAmt>
        <GrossReceiptsTotalAmt>95581</GrossReceiptsTotalAmt>
        <CharitableContributionsTotAmt>78343</CharitableContributionsTotAmt>
        <GrossRevenueTotalEventsAmt>17238</GrossRevenueTotalEventsAmt>
        <NonCashPrizesTotalEventsAmt>25</NonCashPrizesTotalEventsAmt>
        <RentFcltyCostsTotalEventsAmt>2000</RentFcltyCostsTotalEventsAmt>
        <FoodAndBeverageTotalEventsAmt>2373</FoodAndBeverageTotalEventsAmt>
        <EntertainmentTotalEventsAmt>740</EntertainmentTotalEventsAmt>
        <OthDirectExpnssTotalEventsAmt>2540</OthDirectExpnssTotalEventsAmt>
        <DirectExpenseSummaryEventsAmt>7678</DirectExpenseSummaryEventsAmt>
        <NetIncomeSummaryAmt>9560</NetIncomeSummaryAmt>
      </FundraisingEventInformationGrp>
    </IRS990ScheduleG>
    <IRS990ScheduleO documentId="RetDoc6">
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990 - ORGANIZATION'S MISSION</FormAndLineReferenceDesc>
        <ExplanationTxt>THE MISSION OF CROW RIVER HABITAT FOR HUMANITY (CRHFH) IS TO ELIMINATE POVERTY HOUSING FROM MCLEOD COUNTY AND TO MAKE DECENT, AFFORDABLE SHELTER FOR ALL PEOPLE A MATTER OF CONSCIENCE. CRHFH FULFILLS ITS MISSION THROUGH TWO PROGRAM INITIATIVES WHICH ADDRESS HOME OWNERSHIP NEEDS IN THE COMMUNITY WHILE ENGAGING THE COMMUNITY IN THE ISSUES OF AFFORDABLE HOMEOWNERSHIP.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 1, PART I, LINE 6</FormAndLineReferenceDesc>
        <ExplanationTxt>VOLUNTEERS ASSIST WITH COMMITTEES, FUNDRAISERS AND EVENTS, HOUSE CONSTRUCTION, AND MEAL PREPARATION FOR OTHER VOLUNTEERS.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 2, PART III, LINE 4A</FormAndLineReferenceDesc>
        <ExplanationTxt>CROW RIVER HABITAT FOR HUMANITY (CRHFH) CREATES AFFORDABLE HOME OWNERSHIP BY MATCHING A SITE TO FAMILY AND THEN ENGAGES THE FAMILY AND COMMUNITY VOLUNTEERS TO BUILD OR REHAB THE HOME USING DONATED LABOR, MATERIALS AND CONTRIBUTED FUNDS. THE HOMES ARE SOLD TO LOCAL LOW-INCOME FAMILIES THAT EARN BETWEEN 30%-60% OF MCLEOD COUNTY'S AREA MEDIAN INCOME. CRHFH AND THE HABITAT FAMILY AGREE TO THE PRICE OF THE 1ST AND 2ND MORTGAGE THAT IS MOST AFFORDABLE FOR THE HOUSEHOLD BEFORE GROUND BREAKING. CRHFH MANAGES THE PROJECT BUDGET AND PARTNERS WITH RURAL DEVELOPMENT TO FINANCE THE HOME. AT THE TIME OF CLOSING, THE FAMILY ENTERS INTO A LOW-INTEREST LOAN AGREEMENT TO PAY THE FIRST MORTGAGE TO RURAL DEVELOPMENT OVER 33 YEARS AND A SECOND MORTGAGE TO CRHFH ON THE HOME TO CAPTURE THE DIFFERENCE BETWEEN ACTUAL COST AND FAIR MARKET VALUE. THE FIRST MORTGAGE PAYMENT FROM RURAL DEVELOPMENT ARE ADDED TO THE BUILDING RESOURCES FOR FUTURE HABITAT HOME PROJECTS. CRHFH ALSO PREPARES FAMILIES TO BE SUCCESSFUL HOMEOWNERS BY HAVING THEM COMPLETE CLASSES RANGING FROM PERSONAL FINANCE TO HOME MAINTENANCE. 28 FAMILIES HAVE PURCHASED HOMES SINCE 1996. CRHFH IS CONSTANTLY WORKING WITH A BROAD RANGE OF COMMUNITY PARTNERS TO ELIMINATE POVERTY HOUSING AND EDUCATE THE PUBLIC ON AFFORDABLE HOUSING ISSUES. CRHFH UTILIZED ADVOCATES WHO SUPPORT OUR PUBLIC POLICY EFFORT. ADDITIONALLY, CRHFH IS SUPPORTED BY COUNTLESS VOLUNTEERS IN ALL ASPECTS OF OUR MISSION WORK. PRESERVING HOMEOWNERSHIP IS A PROGRAM WHICH ALLOWS EXISTING HOMEOWNERS IN THE COMMUNITY TO REMAIN IN THEIR HOME. PRIORITY IS GIVEN TO THE ELDERLY, VETERANS, THOSE WITH DISABILITIES AND SINGLE PARENTS.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 11B</FormAndLineReferenceDesc>
        <ExplanationTxt>A BOARD MEMBER SIGNS THE RETURN BEFORE FILING AND HAS THE OPPORTUNITY TO ASK QUESTIONS, REQUEST FURTHER EXPLANATION AND REVIEW ALL INFORMATION PRIOR TO SUBMISSION. THE AUDITOR WILL PRESENT THE 990 TO THE BOARD OF DIRECTORS. THE REMAINING BOARD MEMBERS WILL HAVE THE OPPORTUNITY TO ASK QUESTIONS.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 12C</FormAndLineReferenceDesc>
        <ExplanationTxt>FULL DISCLOSURE, BY NOTICE IN WRITING, SHALL BE MADE BY THE INTERESTED PARTIES TO THE FULL BOARD OF DIRECTORS IN ALL POSSIBLE CONFLICTS OF INTEREST SITUATIONS. THIS OCCURS ON AN ANNUAL BASIS AND AS ISSUES ARISE.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 19</FormAndLineReferenceDesc>
        <ExplanationTxt>ALL GOVERNING DOCUMENTS AVAILABLE UPON REQUEST.</ExplanationTxt>
      </SupplementalInformationDetail>
    </IRS990ScheduleO>
  </ReturnData>
</Return>
