Compliance & Licensing
For branch licensing, see NMLS Consumer Access at nmlsconsumeraccess.org.
Alabama Consumer Credit License #23476
Mortgage Banker License #1048687
Combined Mortgage Banker-Broker-Servicer License #131676
Registered Colorado Mortgage Company – Regulated by the Division of Real Estate
Mortgage Lender License #ML-2486868
District of Columbia
Mortgage Dual Authority License #MLB2486868
Florida Mortgage Lender Servicer License #MLD2508
Georgia Mortgage Lender License/Registration #2486868
ID Mortgage Broker/Lender License #MBL-2082486868
Indiana DFI Mortgage Lender License
Mortgage Banker License – 2023-0162
Mortgage Company License – MC.0026614
Louisiana Residential Mortgage Lending License
Maine Supervised Lender License #2486868
Maryland Mortgage Lender License #2486868
Minnesota Residential Mortgage Originator License Number #MN-MO-2486868
This is not an offer to enter into an interest rate lock agreement under Minnesota Law.
Mississippi Mortgage Lender License #486868
Mortgage Broker License #2486868
Mortgage Lender License #2486868
Mortgage Servicer License #2486868
Nebraska Mortgage Banker License
New Jersey Residential Mortgage Lender License
New Jersey RMLA-Licensed Mortgage Servicer Registration
New Mexico Mortgage Loan Company License
North Carolina Mortgage Lender License #L-219111
Residential Mortgage Lending Act Certificate of Registration #RM.805169.000
Oklahoma Mortgage Banker License #ML016031
Oregon Mortgage Lending License #ML016031
Oregon Mortgage Servicer License
Mortgage Lender License #106378
Mortgage Servicer License #106379
Rhode Island Lender License #2486868
BFI Mortgage Lender/Servicer License Number MLS #2486868
South Dakota Mortgage Lender License #2486868.MYL
Tennessee Mortgage License #2486868
TX – SML Mortgage Company License
CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE COMPANY OR A LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITEAT WWW.SML.TEXAS.GOV. A TOLL-FREECONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE COMPANY RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TOTHE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEB SITE AT WWW.SML.TEXAS.GOV.
Vermont Lender License #LL-2486868
Vermont Loan Servicer License #LS-2486868
Mortgage Lender License #ML-2486868
Wisconsin Mortgage Banker License #2486868BA
Mortgage Lender/Broker License #5138
- The Change Company CDFI
- The Change Company
- Change LLC
Equal Housing Lender
We proudly conform to the Equal Housing Lender requirements. All loans are subject to credit approval and acceptable collateral. Additional terms and conditions apply. Programs, rates, terms and conditions may change without notice. All programs are not available in all states. There is no guarantee that all borrowers will qualify. Restrictions may apply. This is not a commitment to lend. Terms, conditions and programs are subject to change without notice.
Equal Credit Opportunity
The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicant on the bases of race, color, religion, national origin, sex, marital status, age (providing the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because applicant has in good faith exercised any right under the Consumer Credit Protection Act.
Home Mortgage Disclosure Act
The Home Mortgage Disclosure Act (“HMDA”) requires institutions to report loan data by lending transacted and acquired each year.
The HMDA data about our residential mortgage lending ae available online for review. The data shows geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials. HMDA data for many other financial institutions are also available online. For more information, visit the Consumer Financial Protection Bureau’s website (www.consumerfinance.gov/hmda).
The Change Company CDFI LLC
175 N Riverview Drive, Suite D
Anaheim, CA 92808
CDFI Products and CDFI Logo
The Change Company and its loan products are not sponsored or endorsed by the U.S. Treasury Department or any other government agency.
Note: No/low income documentation loans may have a higher interest rate, more points, or more fees than other loan products requiring full documentation. We also offer a full range of traditional loan products.
The Community Mortgage loan program is not available in DC, MD, ME, NV, PA, WA, or WV. CA: Interest-only may be prohibited based on FICO score restrictions. CO: All loan transactions require fully executed CO LO Reasonable Inquiry Attestation and HUD Counseling Certification from the Colorado Housing Assistance Corporation. IL: Allowed provided payment is based on fully indexed rate. TX: Interest-only prohibited. TX 50(a)(6) not permitted. OH: Interest-only prohibited on Adjustable-Rate (ARM) loans. Community Mortgage and DSCR products are unavailable in PA.
By refinancing your existing mortgage, your total finance charge may be higher over the life of the loan.