Compliance & Licensing

Responsible Lending

State Licensing
Trade Names
Disclosures

State Licensing

The Change Company CDFI LLC (NMLS #2486868) is currently licensed to conduct mortgage business as set forth below. License numbers are for the main address located at 175 N Riverview Drive, Suite D, Anaheim, CA 92808.

For branch licensing, see NMLS Consumer Access at nmlsconsumeraccess.org.

Alabama

Alabama Consumer Credit License #23476

Arizona

Mortgage Banker License #1048687

Colorado

Registered Colorado Mortgage Company – Regulated by the Division of Real Estate

Connecticut

Mortgage Lender License #ML-2486868

District of Columbia

Mortgage Dual Authority License #MLB2486868

Florida

Florida Mortgage Lender Servicer License #MLD2508

Georgia

Georgia Mortgage Lender License/Registration #2486868

Idaho

ID Mortgage Broker/Lender License #MBL-2082486868

Indiana

Indiana DFI Mortgage Lender License

Iowa

Mortgage Banker License – 2023-0162

Kansas

Mortgage Company License – MC.0026614

Louisiana

Louisiana Residential Mortgage Lending License

Maine

Maine Supervised Lender License #2486868

Maryland

Maryland Mortgage Lender License #2486868

Minnesota

Minnesota Residential Mortgage Originator License Number #MN-MO-2486868

This is not an offer to enter into an interest rate lock agreement under Minnesota Law.

Mississippi

Mississippi Mortgage Lender License #486868

Montana

Mortgage Broker License #2486868
Mortgage Lender License #2486868
Mortgage Servicer License #2486868

Nebraska

Nebraska Mortgage Banker License

New Jersey

New Jersey Residential Mortgage Lender License
New Jersey RMLA-Licensed Mortgage Servicer Registration

North Carolina

North Carolina Mortgage Lender License #L-219111

Ohio

Residential Mortgage Lending Act Certificate of Registration #RM.805169.000

Oklahoma

Oklahoma Mortgage Banker License #ML016031

Pennsylvania

Mortgage Lender License #106378
Mortgage Servicer License #106379

Rhode Island

Rhode Island Lender License #2486868

South Carolina

BFI Mortgage Lender/Servicer License Number MLS #2486868

South Dakota

South Dakota Mortgage Lender License #2486868.MYL

Tennessee

Tennessee Mortgage License #2486868

Texas

TX – SML Mortgage Company License

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE COMPANY OR A LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITEAT WWW.SML.TEXAS.GOV. A TOLL-FREECONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE COMPANY RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TOTHE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEB SITE AT WWW.SML.TEXAS.GOV.

Vermont

Vermont Lender License #LL-2486868
Vermont Loan Servicer License #LS-2486868

West Virginia

Mortgage Lender License #ML-2486868

Wisconsin

Wisconsin Mortgage Banker License #2486868BA

Wyoming

Mortgage Lender/Broker License #5138

Trade Names

The Change Company CDFI LLC. conducts business under the following business names:
  • The Change Company CDFI
  • The Change Company
  • Change LLC
  • ChangeFi
  • Change

Disclosures

Equal Housing Lender

We proudly conform to the Equal Housing Lender requirements. All loans are subject to credit approval and acceptable collateral. Additional terms and conditions apply. Programs, rates, terms and conditions may change without notice. All programs are not available in all states. There is no guarantee that all borrowers will qualify. Restrictions may apply. This is not a commitment to lend. Terms, conditions and programs are subject to change without notice.

Equal Credit Opportunity

The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicant on the bases of race, color, religion, national origin, sex, marital status, age (providing the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because applicant has in good faith exercised any right under the Consumer Credit Protection Act.

Home Mortgage Disclosure Act

The Home Mortgage Disclosure Act (“HMDA”) requires institutions to report loan data by lending transacted and acquired each year.
The HMDA data about our residential mortgage lending ae available online for review. The data shows geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials. HMDA data for many other financial institutions are also available online. For more information, visit the Consumer Financial Protection Bureau’s website (www.consumerfinance.gov/hmda).
‍
The Change Company CDFI LLC
Compliance Department
‍175 N Riverview Drive, Suite D
Anaheim, CA 92808

CDFI Products and CDFI Logo

The Change Company and its loan products are not sponsored or endorsed by the U.S. Treasury Department or any other government agency.

Note: No/low income documentation loans may have a higher interest rate, more points, or more fees than other loan products requiring full documentation. We also offer a full range of traditional loan products.

The Community Mortgage loan program is not available in DC, MD, ME, NV, PA, WA, or WV. CA: Interest-only may be prohibited based on FICO score restrictions. CO: All loan transactions require fully executed CO LO Reasonable Inquiry Attestation and HUD Counseling Certification from the Colorado Housing Assistance Corporation. IL: Allowed provided payment is based on fully indexed rate. TX: Interest-only prohibited. TX 50(a)(6) not permitted. OH: Interest-only prohibited on Adjustable-Rate (ARM) loans. Community Mortgage and DSCR products are unavailable in PA.

Refinance

By refinancing your existing mortgage, your total finance charge may be higher over the life of the loan.

© 2024 The Change Company CDFI LLC.
All rights reserved.
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The Change Company CDFI LLC (“TCC”) is a state-licensed mortgage lender, NMLS ID #2486868. To verify licenses, visit www.nmlsconsumeraccess.org. Headquartered at 175 N Riverview Drive, Suite D, Anaheim, CA 92808. AZ: Mortgage Banker License – 1048687; CO: Registered Colorado Mortgage Company – Regulated by the Division of Real Estate; GA: Georgia Residential Mortgage License #2486868; MN: This is not an offer to enter into an agreement and an offer may only be made pursuant to Minn. Stat. §47.206(3) & (4); NJ: Residential Mortgage Lender License – Licensed by the N.J. Department of Banking and Insurance; OH: Residential Mortgage Lending Act Certificate of Registration #RM.805169.000; RI: Rhode Island Licensed Lender #20234678LL; All loans are subject to credit approval and acceptable collateral. Additional terms and conditions apply. Programs, rates, terms, and conditions may change without notice. Not all programs are available in all states. There is no guarantee that all borrowers will qualify. Restrictions may apply. This is not a commitment to lend. THE CHANGE COMPANY CDFI, LLC AND ITS LOAN PRODUCTS ARE NOT SPONSORED OR ENDORSED OR BEING OFFERED BY THE U.S. TREASURY DEPARTMENT OR ANY OTHER GOVERNMENT AGENCY. © 2024. The Change Company CDFI, LLC. All rights reserved.