The World’s First Digital Marketplace for Prime Impact Loans

Enabling community banks and impact investors to easily search for and buy prime impact loans, shop CRA-eligible loans in their assessment areas, and build their balance sheets.

Choose from 100s of prime loans

Browse and buy 100% online

Generate positive social impact

Filter by impact, geography and terms

Get reliable CRA documentation

Choose loan servicing options

Choose from 100s of prime loans

Browse and buy 100% online

Generate positive social impact

Filter by impact, geography and terms

Get reliable CRA documentation

Choose loan servicing options

Great Loans. Great Returns. Great Impact.

xChange is the only active digital marketplace where conscious investors can easily acquire prime impact loans at this scale.*

6.67%

Average Note Rate

63%

Average LTV

731

Average FICO

$500M+

Loans Available Daily

100%

CDFI-Originated Loans

$350M+

BLACK, LATINO, and CRA-ELIGIBLE LOANS

*FICO, LTV, and Note Rate averages as of October 4, 2022. Average LTV and note rate represent the weighted average for both.

The Prime Loan Marketplace
Born from Change

xChange is presented by The Change Company, with its subsidiary Change Lending, LLC, a trusted loan originator and America’s largest Community Development Financial Institution (CDFI). CDFIs are certified by the U.S. Department of the Treasury and help promote access to prime capital and local economic growth in developing low- to moderate-income (LMI) communities. We specialize in originating investment grade loans in diverse markets including African American and Latino communities. Historically, our prime loans have been sold in pools to major Wall Street financial institutions. Now, we are making these high-credit, prime loans available to you first—exclusively through xChange. Whether you need $1 million for Community Reinvestment Act (CRA) credits or $100 million to strengthen your balance sheet, you can now get a first look at these prime loans before they’re offered to Wall Street.

Learn more about CDFIs

Shop Prime Loans for Easy CRA Credit

Getting CRA credit has never been easier. CRA Officers can now satisfy CRA requirements by shopping high-quality prime loans on xChange’s marketplace. We created “Impact Badges” to show the social impact of each loan and identify CRA-eligible loans.

Filters for impact, yield, LTV, FICO, loan type, MSA, Census, ZIP

Purchase individual whole loans or pools

Loan servicing optional

Transact online, receive documentation digitally

Shop Prime Loans in 3 Easy Steps

How It works

STEP 1:

Browse loans nationwide by detailed terms, geography and impact category.

STEP 2:

Add loans to your cart to build your own portfolio and get diligence documentation digitally.

STEP 3:

Choose servicing option and purchase with a mouse click.

Market Leaders Partner with Change

Our prime loans are low-risk, offer attractive economics, and have a real social impact. No wonder some of the world’s leading organizations have already partnered with Change!

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