Providing equal access to the American dream

We empower diverse individuals, families and small businesses to pursue their dreams by expanding their access to capital.

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Our mission
Our commitment
Our impact

To Provide Financing to the Underserved, Fairly and Responsibly

We are committed to removing the barriers that prevent prime, underserved borrowers from achieving the American Dream of homeownership.

We level the playing field, providing access to fair and responsible lending through our proprietary products, streamlined processes, and strategic partnerships with capital sources.

We empower all Americans to pursue their housing and wealth-building goals with confidence.

$4.5B
Black and Latino home loans since 2021

The Change Company and it's affiliates proudly make homeownership a reality for diverse and underserved families.

Last 12 Months
Since CDFI
Lending to Low-Moderate Income Borrowers
$1.1B
$7.3B
Lending in Persistent Poverty Areas
$369M
$1.8B
Lending to First Time Homeowners
$1.3B
$3.9B
Last 12 Months reflects through Q3 2023.

Our mission

To Provide Financing to the Underserved, Fairly and Responsibly

Our commitment

We are committed to removing the barriers that prevent prime, underserved borrowers from achieving the American Dream of homeownership.

We level the playing field, providing access to fair and responsible lending through our proprietary products, streamlined processes, and strategic partnerships with capital sources.

We empower all Americans to pursue their housing and wealth-building goals with confidence.

$4.5B
Black and Latino home loans since 2021

Our impact

The Change Company and it's affiliates proudly make homeownership a reality for diverse and underserved families.

Last 12 Months
Since CDFI
Lending to Low-Moderate Income Borrowers
$1.1B
$7.3B
Lending in Persistent Poverty Areas
$369M
$1.8B
Lending to First Time Homeowners
$1.3B
$3.9B
Last 12 Months reflects through Q3 2023.

What is a CDFI?

We earned our Community Development Financial Institution (“CDFI”) certification from the United States Department Treasury in May 2018. This certification denotes an institution that promotes access to capital and local economic growth in low income and developing communities across the nation. We are proud to be America's largest CDFI lender, providing America's underserved borrowers access to billions of dollars of capital.

Certified CDFI U.S. Department of the Treasury Seal

The Change Family

We offer a full range of financial services to help diverse underserved and underbanked consumers and small businesses reach their financial goals.

Empowering Borrowers Through Fair & Responsible Lending

Change Home Mortgage offers traditional and non-traditional loans as diverse as the borrowers we serve.

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Harnessing the Power of America’s Largest CDFI Lender

Serve a wider range of customers and close more loans with the nation’s largest community development financial institution (CDFI) and #1 non-QM lender, as ranked by Scotsman Guide.

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The Digital Marketplace for Prime Impact Loans

xChange enables banks, insurance companies, asset managers, family offices, and qualified impact investors to easily search for and buy attractive prime loans, and build their balance sheets.

Visit xChange

Fair Appraisals for all of America's Borrowers

We provide the highest level of client satisfaction by offering exceptional customer service, outstanding quality control, and prompt order completion.

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We are America's CDFI

Change for all

We proudly serve underbanked and underserved communities nationwide.

547
Employees
47
States and DC
40
Branches
2,600+
Lending Partners

How we serve

  • Partner with socially responsible organizations and investors.
  • Provide fair and responsible lending to underserved communities.
  • Advocate for the underbanked and underserved.
Committed to Diversity

We're proud to say our team is as diverse as the communities we serve.

67
%
TCC's Board of Directors are minorities
85
%
Community board members are diverse
75
%
Senior leaders are minorities
88
%
Executives are minorities

Our partners

Our memberships

© 2025 The Change Company CDFI LLC.
All rights reserved.
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The Change Company CDFI LLC (“TCC”) is a state-licensed mortgage lender, NMLS ID #2486868. To verify licenses, visit www.nmlsconsumeraccess.org. Headquartered at 175 N Riverview Drive, Suite D, Anaheim, CA 92808. AZ: Mortgage Banker License – 1048687; CO: Registered Colorado Mortgage Company – Regulated by the Division of Real Estate; GA: Georgia Residential Mortgage License #2486868; MN: This is not an offer to enter into an agreement and an offer may only be made pursuant to Minn. Stat. §47.206(3) & (4); NJ: Residential Mortgage Lender License – Licensed by the N.J. Department of Banking and Insurance; OH: Residential Mortgage Lending Act Certificate of Registration #RM.805169.000; RI: Rhode Island Licensed Lender #20234678LL; All loans are subject to credit approval and acceptable collateral. Additional terms and conditions apply. Programs, rates, terms, and conditions may change without notice. Not all programs are available in all states. There is no guarantee that all borrowers will qualify. Restrictions may apply. This is not a commitment to lend. THE CHANGE COMPANY CDFI, LLC AND ITS LOAN PRODUCTS ARE NOT SPONSORED OR ENDORSED OR BEING OFFERED BY THE U.S. TREASURY DEPARTMENT OR ANY OTHER GOVERNMENT AGENCY. © 2025. The Change Company CDFI, LLC. All rights reserved.