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

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Get a personalized walkthrough of xChange’s loans and platform with a member of our business development team.

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We Offer CRA Credits and Reliable, Secured Assets

With a majority of loans in low-to-moderate income and community target markets that are sourced from Change Lending, America’s largest Community Development Financial Institution (CDFI), xChange offers CRA-eligible loans that are high quality, high-yielding, and have risk-adjusted returns.

Multiple 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.

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Great Loans. Great Returns. Great Impact.

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

Average LTV
Up to
Note Rate
Average FICO
CRA Loans
Black, Latino, & CRA-eligible Loans
Loans Available Daily

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

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Still Have Questions?

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