The World’s First Digital Marketplace for Prime Impact Loans

Socially responsible investors can easily search, filter, and buy prime loans online to get reliable CRA credits or build balance sheets.

Shop profitable prime loans

Get reliable regulatory CRA credits

Create a portfolio of impact loans

Filter search by impact criteria

Shop profitable prime loans

Get reliable regulatory CRA credits

Create a portfolio of impact loans

Filter search by impact criteria

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.*

6.48%

Average Note Rate

61%

Average LTV

$425M+

Loans Available Daily

100%

CDFI Originated Loans

736

Average FICO

*FICO, LTV, and Note Rate averages as of September 20, 2022

Prime Loans, Born from Change

xChange is a subsidiary of The Change Company, 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 and 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, quality 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 Credits

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 5 Easy Steps

How it works

STEP 1:

Browse loans by Price, Note Rate, LTV, FICO, Type, MSA, Census Tract, ZIP code, CRA-eligibility, or other attributes.

STEP 2:

Add loans to your cart.

STEP 3:

View cart for loan details, purchase summary, and community impact report.

STEP 4:

Review and sign the Mortgage Loan Purchase Agreement (MLPA) and select whether you want to service the loan or have us service it for you.

STEP 5:

Commit to buy the loans, subject to due diligence, and know that you are making an impact to level the playing field for home ownership!

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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