At a glance
From its website, read 2 Nov 2026Change Lending, LLC is a loan fund based in Anaheim, California. Its website describes home mortgages. Stated loan amounts run up to $3.5M.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Toll-free | (888) 473-4858 source |
|---|---|
| Website | www.changemtg.com |
| Office (official list) | 175 N. Riverview Drive, Suite C, Anaheim, CA 92808 |
What their website says about applying
Contact A Mortgage Advisor
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Who qualifies, in their words
- Minimum credit score: 640
FICO beginning at 640
source - Collateral required
All loans are subject to credit approval and acceptable collateral.
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Loan fund |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 19 Apr 2018 |
| RSSD ID | — (none listed) |
| Address | 175 N. Riverview Drive, Suite C, Anaheim, CA 92808 Directions (Google Maps) |
| Website | www.changemtg.com |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: high. Pages describe home mortgage products only; no service-area statement, smallest loan amount, or online application link was found. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Home mortgages | up to $2.5M | Loan amounts up to $2.5 million | source |
Loan sizes
Loan amounts up to $2.5 million
sourceUp to $3.5 million loan amounts
sourceUp to $2.5 million loan amounts
source
Range used for the size filter: not stated to $3.5M
Service area
Not stated on the pages we read.
Borrower focus
- Veterans
VA loans are available to eligible veterans, active-duty service members, and surviving spouses.
source
Languages
- No non-English service found on the pages we read.
Online application
No online application link found on the pages we read.
Pages read (7)
- https://www.changemtg.com/
- https://www.changemtg.com/loan-products/reverse-mortgage
- https://www.changemtg.com/loan-products/community-mortgage
- https://www.changemtg.com/loan-products
- https://www.changemtg.com/loan-products/alt-doc
- https://www.changemtg.com/loan-products/investor
- https://www.changemtg.com/loan-products/va-loans
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - Is there a minimum loan amount?
Their website gives a maximum ($3.5M) but no minimum. - What is the APR, including fees, on your home mortgages?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - How long can I take to repay?
No repayment terms are stated on their website. - Do you offer down-payment help, and is a homebuyer education course required?
CDFI home loans often come with homebuyer education or down-payment help; their website does not say. - Can I apply online, or do I need to call or visit?
We found no online application on their website. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
Home loans reported under HMDA (2025)
FFIEC HMDA data, 2025Change Lending, LLC reported 8,804 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $4.8 billion (median loan about $365,000). 6,000 were home-purchase loans.
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Home purchase | 6,000 | 68% |
| Refinance (incl. 2,032 cash-out) | 2,789 | 32% |
| Home improvement | 15 | 0.2% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 7,879 | 89% |
| FHA-insured | 708 | 8.0% |
| VA-guaranteed | 209 | 2.4% |
| USDA (RHS or FSA) | 8 | under 0.1% |
Included above: 58 loans on manufactured homes.
Where the loans were made
Counties with the most 2025 originations, out of 809 counties with at least one; 31% of its 2025 loans were for properties in California:
- El Paso County, TX (636)
- Los Angeles County, CA (600)
- Tulare County, CA (294)
- San Diego County, CA (200)
- Orange County, CA (190)
- Contra Costa County, CA (170)
- Riverside County, CA (169)
- Palm Beach County, FL (128)
Filed under LEI 5493004AS1SPBQOFDR49 as “Change Lending”; matched by name, state and city (checked by hand; see the method on our About page).
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Largest loan its website states | $3.5M | Other loan funds whose website states a maximum: median $250,000. Higher than the stated maximum of 85% of these 184. |
| Home loans originated in 2025 (HMDA) | 8,804 | More than 100% of the 263 other certified CDFIs that reported 3 or more (119 at the median). Volume only; nothing here is an approval rate. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Largest stated loan | other loan funds stating a maximum, nationwide | 184 | higher than 85% |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 100% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Home loans: FFIEC/CFPB HMDA data.
Other certified CDFIs in Anaheim and California
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- Altura Credit UnionCredit union · Riverside, CAAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
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- Apoyo Financiero Inc.Loan fund · Concord, CAPersonal / consumer loans, Small-business loansVerified
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