The 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.
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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 socially conscious investors can easily acquire prime impact loans at this scale.*
8%
Average Note Rate
70%
Average LTV
745
Average FICO
$500M+
Loans Available Daily
48 States
CRA Loans
$350M+
BLACK, LATINO, and CRA-ELIGIBLE LOANS
*FICO, LTV, and Note Rate averages as of September 1, 2023. Average LTV and note rate represent the weighted average for both.
Shop Prime Loans in
3 Easy Steps
Shop Prime Loans in 3 Easy Steps
How it works
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 will provide a special CRA purchase certificate that can be included in the loan files and easily shared with auditors.
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
Sign Up for a Demo
We’ll walk you through the xChange digital marketplace.
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!
The Prime Loan Marketplace
Born from Change
xChange is presented by The Change Company, a certified 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. The Change Company and it's affiliates 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.
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