About Us

About Us

xChange is Powered by The Change Company,

America’s largest Community Development Financial Institution (CDFI) and trusted loan originator. We originate prime loans in 48 states, with a focus on prime borrowers in the Black, Latino, and LMI communities. xChange, our revolutionary digital marketplace makes finding prime loans in specific assessment areas faster, easier, and more affordable than ever. We consider our prime whole loans to be reliable predictors of Community Reinvestment Act (CRA) audit success and look forward to making your search for prime loans in specific assessment areas a convenient, hassle-free experience.

Read our Fact Sheet to learn about Change’s business practices and positive social impact

Meet the Team

We're proud to say that our team is as diverse as the communities we serve.


Ryan Collins
Martice Mills
Angie Miranda
Rebecca Mais
Carlos Salas
Thedora Nickel
Executive Director

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The Change Company earned its Community Development Financial Institution (CDFI) certification from the U.S. Department of Treasury in May 2018. CDFIs help promote access to prime capital and local economic growth in developing and low- to moderate-income communities across the nation. This designation allows us to successfully pursue our purpose in providing equal access to the American Dream for all walks of life, no matter their socio-economic standing.

Join Our Team

Join us on our quest to close the wealth gap through home ownership and become an integral part of our mission-based financial services company.