The Digital Marketplace for Prime Impact Loans

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

Choose from 100s of prime loans

Choose loan servicing and pricing options

Get reliable CRA documentation

100% digital marketplace

Filter by impact, geography and terms

Customize loan portfolios

The Digital Marketplace for Prime Impact Loans

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

Choose from 100s of prime loans

Choose loan servicing and pricing options

Get reliable CRA documentation

100% digital marketplace

Filter by impact, geography and terms

Customize loan portfolios

Our Partners

Great Loans. Great Returns. Great Impact.

xChange is the only active digital marketplace where investors can easily acquire prime impact loans nationwide.*

‎‎
73%
Average LTV
Up to
10.25%
Note Rate
‎‎
741
Average FICO
‎‎
48States
CRA Loans
$350M+
Black, Latino, & CRA-eligible Loans
$500M+
Loans Available Daily

*FICO, LTV, and Note Rate averages as of January 16, 2024. Average LTV represents the weighted average.

It’s Easy With xChange

Step 1
Browse
loans nationwide by detailed terms, geography and impact category.
Step 2
Add
loans to your cart and get diligence documentation digitally.
Step 3
Buy
online and choose pricing and servicing options.

Choose Servicing & Pricing Options

Investors can choose between Standard and Par Pricing based on their servicing and purchasing preferences. Standard Pricing may include a premium on the loan amount and has a fixed servicing fee. Par Pricing is available for Non-Agency loans and gives investors the opportunity to purchase a loan at face value. The Par Pricing option includes a revenue share on the interest note which eliminates Early Pay-Off (EPO) risk and aligns financial interests between the buyer and seller.

Standard Pricing, Par Pricing toggle graphic

Get Reliable CRA Documentation

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.

See What Our Partners Have to Say

Placeholder content. The ease of use of the platform alongside the team’s quick and professional answers to my questions will keep me coming back for my CRA needs every time.
Andy L.
Cal Private Bank
The ease of use of the platform alongside the team’s quick and professional answers to my questions will keep me coming back for my CRA needs every time.
Andy L.
Cal Private Bank
The ease of use of the platform alongside the team’s quick and professional answers to my questions will keep me coming back for my CRA needs every time.
Andy L.
Cal Private Bank
The ease of use of the platform alongside the team’s quick and professional answers to my questions will keep me coming back for my CRA needs every time.
Andy L.
Cal Private Bank

Connect with Us

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Still Have Questions?

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