Pearl M. & Julia J. Harmon Foundation
At a glance
Key takeaways
- Most of the foundation's grants are unrestricted contributions, and about 8 in 10 of its 87 grants to organisations fall between $1,000 and $3,500, with a median of $2,500.
- That band is typical rather than a cap, since the largest grant was about $73,000, so a modest request fits its usual pattern.
- Its stated focus is Oklahoma, Kansas, Arkansas, Texas and New Mexico, with a priority for Northeast Oklahoma, so a clear link to those places should come first.
- Its low-interest loans cover buildings, land and physical items for private charitable or religious organisations, and applicants need a multi-year track record and must print and mail the form to its PRI Applications address in Tulsa.
- The loans exclude operating expenses, endowments, salaries, pre-existing debt and startups, and the filing shows that about 30% of its grant dollars to organisations went to groups it had funded before, so a relationship with its trustees may matter more than a cold approach.
Overview
Pearl M. & Julia J. Harmon Foundation is a US private foundation based in Tulsa, OK.
What they fund
Profile derived from the foundation's IRS Form 990-PF filings (TY2024, TY2023, TY2022) and its website, with every statement checked against those sources. Sources read on 7 October 2026.
Priority Areas
The foundation makes trustee-initiated grants to charities and accepts applications for Program Related Investments (PRIs), which it describes as low-interest loans to charitable organisations. Its PRIs are open to private charitable or religious organisations headquartered in and delivering benefits primarily within Oklahoma, Kansas, Arkansas, Texas or New Mexico; it prefers organisations in Northeast Oklahoma. It lends for buildings, land and physical items, rather than operating expenses or endowments, and uses the purchased asset as collateral. Its reported grant record is mostly unrestricted contributions, with individual grants also supporting an ambulance purchase and a food pantry.
Themes
- Capital projects
Geographic Focus
Oklahoma; Kansas; Arkansas; Texas; New Mexico. Priority: Northeast Oklahoma.
What They Don't Fund
- Program Related Investments only: operating expense; endowment; salaries; pre-existing debt; startups
How to apply
For PRI loans, applicants complete, print and mail the form to the foundation's PRI Applications address in Tulsa.
Application success factors
- Repeat giving: In its TY2024 filing, 30% of its grant dollars to organisations went to organisations it had also funded in its TY2022 or TY2023 filing.
- Grant size: Across its TY2022, TY2023 and TY2024 filings, half of its 87 grants to organisations were $2,500 or less.
What the foundation says:
- It prefers to work with organisations in Northeast Oklahoma.
- Applicants need a multi-year track record of successful operation.
- It values a charity's ability to repay a capital loan as evidence of a project's economic worth.
Where grants go
From grants to organisations in the foundation’s filings for tax years 2022–2024.
Grant dollars by state
- The largest single recipient received 27% of grant dollars to organisations.
- In tax year 2024, 30% of grant dollars went to organisations Pearl M. & Julia J. Harmon Foundation had funded in earlier filings.
- No grants were paid directly to organisations outside the US.
Grants
How much do they typically give?
Share of 42 grants in tax year 2024 by size
Median $1,000 (tax year 2024)
The largest grants to organisations in the foundation’s latest filing:
- Alluwe Baptist Church · Unrestricted Contribution$3,0002024 tax year
- S Coffeyville Methodist Church · Unrestricted Contribution$3,0002024 tax year
- Lenapah Baptist Church · Unrestricted Contribution$3,0002024 tax year
- Saint Catherine Catholic Church · Unrestricted Contribution$3,0002024 tax year
- Nowata Congr Jehovahs Witnesses · Unrestricted Contribution$3,0002024 tax year
- Nowata Seventh Day Adventist · Unrestricted Contribution$3,0002024 tax year
- Pleasant Valley Baptist Church · Unrestricted Contribution$3,0002024 tax year
- Mount Olive Baptist Church · Unrestricted Contribution$3,0002024 tax year
Grants to organisations listed in the foundation’s Form 990-PF filings. Grants to individuals are not shown.
Officers and directors
- Cathey Frederick — Trustee
- G E Holmes — Trustee
- Julia Hangs — Legal & Trustee
- C K Owens — Office Manager & Trustee
- George L Hangs — Executive Director & Trustee
From the latest Form 990-PF filing
3 years of tax filings
| Year | Total expenses | Grants paid | Assets | Filing document |
|---|---|---|---|---|
| 2022 tax year | $702,689 | $83,748 | $67,464,961 | Filing for 2022 tax year |
| 2023 tax year | $885,808 | $147,500 | $72,413,417 | Filing for 2023 tax year |
| 2024 tax year | $753,429 | $63,998 | $75,346,125 | Filing for 2024 tax year |
Figures from the foundation’s IRS Form 990-PF filings. Assets are at fair market value at year end. The document icon links to each year’s filing on ProPublica Nonprofit Explorer.
Sources
Registers and filings
Other sources
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At a glance

Applying to Pearl M. & Julia J. Harmon Foundation?
Hinchilla drafts your answers around this funder's priorities, using your organisation's own documents.
No credit card required
Contact
- (918) 743-6191
- priapplications@harmonfnd.org
- Tulsa, OK
- harmonfnd.org/home

Applying to Pearl M. & Julia J. Harmon Foundation?
Hinchilla drafts your answers around this funder's priorities, using your organisation's own documents.
No credit card required
Contact
- (918) 743-6191
- priapplications@harmonfnd.org
- Tulsa, OK
- harmonfnd.org/home