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Connect With SalesOur PartnersAbout Us
Shop our Loans
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Shop our Loans
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THE WORLD’S FIRST DIGITAL MARKETPLACE FOR PRIME IMPACT LOANS

Enabling community banks and impact investors to easily search for and buy prime
impact loans, shop CRA-eligible loans in their assessment areas, and build their
balance sheets.

Shop our LoansRequest a Demo


Choose from 100s of prime loans

Browse and buy 100% online

Generate positive social impact

Filter by impact, geography and terms

Get reliable CRA documentation

Choose loan servicing options

Choose from 100s of prime loans

Browse and buy 100% online

Generate positive social impact

Filter by impact, geography and terms

Get reliable CRA documentation

Choose loan servicing options


GREAT LOANS. GREAT RETURNS. GREAT IMPACT.

xChange is the only active digital marketplace where socially conscious
investors can easily acquire prime impact loans at this scale.*

7.42%

Average Note Rate

69%

Average LTV

745

Average FICO

$500M+

Loans Available Daily

100%

CDFI-Originated Loans

$350M+

BLACK, LATINO, and CRA-ELIGIBLE LOANS

*FICO, LTV, and Note Rate averages as of January 17, 2023. Average LTV and note
rate represent the weighted average for both.

Shop our Loans


SHOP PRIME LOANS IN
3 EASY STEPS


SHOP PRIME LOANS IN 3 EASY STEPS


HOW IT WORKS

STEP 1:

Browse loans nationwide by detailed terms, geography and impact category.

STEP 2:

Add loans to your cart to build your own portfolio and get diligence
documentation digitally.

STEP 3:

Choose servicing option and purchase with a mouse click.

Shop our LoansRequest a Demo


SHOP PRIME LOANS FOR EASY CRA CREDIT

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 will provide
a special CRA purchase certificate that can be included in the loan files and
easily shared with auditors.

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 our Loans


SIGN UP FOR A DEMO

We’ll walk you through the xChange digital marketplace.

First Name*
Last Name*
Email*
Phone
Company
State, City or Zip
Message*indicates a required field


Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.


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!




THE PRIME LOAN MARKETPLACE
BORN FROM CHANGE

xChange is presented by The Change Company, with its subsidiary Change Lending,
LLC, 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 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,
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

©2023 xChange Hub, Inc., a subsidiary of The Change Company CDFI LLC. "xChange
Hub" is a registered service mark of The Change Company CDFI LLC. All loans were
originated by Change Lending, LLC, an affiliate of xChange Hub, Inc. CA DRE
#02151066. All rights reserved.




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Seizure Safe Profile Clear flashes & reduces color
This profile enables epileptic and seizure prone users to browse safely by
eliminating the risk of seizures that result from flashing or blinking
animations and risky color combinations.
OFF ON
Vision Impaired Profile Enhances website's visuals
This profile adjusts the website, so that it is accessible to the majority of
visual impairments such as Degrading Eyesight, Tunnel Vision, Cataract,
Glaucoma, and others.
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ADHD Friendly Profile More focus & fewer distractions
This profile significantly reduces distractions, to help people with ADHD and
Neurodevelopmental disorders browse, read, and focus on the essential elements
of the website more easily.
OFF ON
Cognitive Disability Profile Assists with reading & focusing
This profile provides various assistive features to help users with cognitive
disabilities such as Autism, Dyslexia, CVA, and others, to focus on the
essential elements of the website more easily.
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Keyboard Navigation (Motor) Use website with the keyboard
This profile enables motor-impaired persons to operate the website using the
keyboard Tab, Shift+Tab, and the Enter keys. Users can also use shortcuts such
as “M” (menus), “H” (headings), “F” (forms), “B” (buttons), and “G” (graphics)
to jump to specific elements.

Note: This profile prompts automatically for keyboard users.
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Blind Users (Screen Reader) Optimize website for screen-readers
This profile adjusts the website to be compatible with screen-readers such as
JAWS, NVDA, VoiceOver, and TalkBack. A screen-reader is software that is
installed on the blind user’s computer and smartphone, and websites should
ensure compatibility with it.

Note: This profile prompts automatically to screen-readers.
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Accessibility StatementCompliance status

We firmly believe that the internet should be available and accessible to anyone
and are committed to providing a website that is accessible to the broadest
possible audience, regardless of ability.

To fulfill this, we aim to adhere as strictly as possible to the World Wide Web
Consortium’s (W3C) Web Content Accessibility Guidelines 2.1 (WCAG 2.1) at the AA
level. These guidelines explain how to make web content accessible to people
with a wide array of disabilities. Complying with those guidelines helps us
ensure that the website is accessible to blind people, people with motor
impairments, visual impairment, cognitive disabilities, and more.

This website utilizes various technologies that are meant to make it as
accessible as possible at all times. We utilize an accessibility interface that
allows persons with specific disabilities to adjust the website’s UI (user
interface) and design it to their personal needs.

Additionally, the website utilizes an AI-based application that runs in the
background and optimizes its accessibility level constantly. This application
remediates the website’s HTML, adapts its functionality and behavior for
screen-readers used by blind users, and for keyboard functions used by
individuals with motor impairments.

If you wish to contact the website’s owner please use the website's form

Screen-reader and keyboard navigation

Our website implements the ARIA attributes (Accessible Rich Internet
Applications) technique, alongside various behavioral changes, to ensure blind
users visiting with screen-readers can read, comprehend, and enjoy the website’s
functions. As soon as a user with a screen-reader enters your site, they
immediately receive a prompt to enter the Screen-Reader Profile so they can
browse and operate your site effectively. Here’s how our website covers some of
the most important screen-reader requirements:

 1. Screen-reader optimization: we run a process that learns the website’s
    components from top to bottom, to ensure ongoing compliance even when
    updating the website. In this process, we provide screen-readers with
    meaningful data using the ARIA set of attributes. For example, we provide
    accurate form labels; descriptions for actionable icons (social media icons,
    search icons, cart icons, etc.); validation guidance for form inputs;
    element roles such as buttons, menus, modal dialogues (popups), and others. 
    
    Additionally, the background process scans all of the website’s images. It
    provides an accurate and meaningful image-object-recognition-based
    description as an ALT (alternate text) tag for images that are not
    described. It will also extract texts embedded within the image using an OCR
    (optical character recognition) technology. To turn on screen-reader
    adjustments at any time, users need only to press the Alt+1 keyboard
    combination. Screen-reader users also get automatic announcements to turn
    the Screen-reader mode on as soon as they enter the website.
    
    These adjustments are compatible with popular screen readers such as JAWS,
    NVDA, VoiceOver, and TalkBack.
    
    
 2. Keyboard navigation optimization: The background process also adjusts the
    website’s HTML and adds various behaviors using JavaScript code to make the
    website operable by the keyboard. This includes the ability to navigate the
    website using the Tab and Shift+Tab keys, operate dropdowns with the arrow
    keys, close them with Esc, trigger buttons and links using the Enter key,
    navigate between radio and checkbox elements using the arrow keys, and fill
    them in with the Spacebar or Enter key.
    
    Additionally, keyboard users will find content-skip menus available at any
    time by clicking Alt+2, or as the first element of the site while navigating
    with the keyboard. The background process also handles triggered popups by
    moving the keyboard focus towards them as soon as they appear, not allowing
    the focus to drift outside.
    
    Users can also use shortcuts such as “M” (menus), “H” (headings), “F”
    (forms), “B” (buttons), and “G” (graphics) to jump to specific elements.

Disability profiles supported on our website
 * Epilepsy Safe Profile: this profile enables people with epilepsy to safely
   use the website by eliminating the risk of seizures resulting from flashing
   or blinking animations and risky color combinations.
 * Vision Impaired Profile: this profile adjusts the website so that it is
   accessible to the majority of visual impairments such as Degrading Eyesight,
   Tunnel Vision, Cataract, Glaucoma, and others.
 * Cognitive Disability Profile: this profile provides various assistive
   features to help users with cognitive disabilities such as Autism, Dyslexia,
   CVA, and others, to focus on the essential elements more easily.
 * ADHD Friendly Profile: this profile significantly reduces distractions and
   noise to help people with ADHD, and Neurodevelopmental disorders browse,
   read, and focus on the essential elements more easily.
 * Blind Users Profile (Screen-readers): this profile adjusts the website to be
   compatible with screen-readers such as JAWS, NVDA, VoiceOver, and TalkBack. A
   screen-reader is installed on the blind user’s computer, and this site is
   compatible with it.
 * Keyboard Navigation Profile (Motor-Impaired): this profile enables
   motor-impaired persons to operate the website using the keyboard Tab,
   Shift+Tab, and the Enter keys. Users can also use shortcuts such as “M”
   (menus), “H” (headings), “F” (forms), “B” (buttons), and “G” (graphics) to
   jump to specific elements.

Additional UI, design, and readability adjustments
 1. Font adjustments – users can increase and decrease its size, change its
    family (type), adjust the spacing, alignment, line height, and more.
 2. Color adjustments – users can select various color contrast profiles such as
    light, dark, inverted, and monochrome. Additionally, users can swap color
    schemes of titles, texts, and backgrounds with over seven different coloring
    options.
 3. Animations – epileptic users can stop all running animations with the click
    of a button. Animations controlled by the interface include videos, GIFs,
    and CSS flashing transitions.
 4. Content highlighting – users can choose to emphasize essential elements such
    as links and titles. They can also choose to highlight focused or hovered
    elements only.
 5. Audio muting – users with hearing devices may experience headaches or other
    issues due to automatic audio playing. This option lets users mute the
    entire website instantly.
 6. Cognitive disorders – we utilize a search engine linked to Wikipedia and
    Wiktionary, allowing people with cognitive disorders to decipher meanings of
    phrases, initials, slang, and others.
 7. Additional functions – we allow users to change cursor color and size, use a
    printing mode, enable a virtual keyboard, and many other functions.

Assistive technology and browser compatibility

We aim to support as many browsers and assistive technologies as possible, so
our users can choose the best fitting tools for them, with as few limitations as
possible. Therefore, we have worked very hard to be able to support all major
systems that comprise over 95% of the user market share, including Google
Chrome, Mozilla Firefox, Apple Safari, Opera and Microsoft Edge, JAWS, and NVDA
(screen readers), both for Windows and MAC users.

Notes, comments, and feedback

Despite our very best efforts to allow anybody to adjust the website to their
needs, there may still be pages or sections that are not fully accessible, are
in the process of becoming accessible, or are lacking an adequate technological
solution to make them accessible. Still, we are continually improving our
accessibility, adding, updating, improving its options and features, and
developing and adopting new technologies. All this is meant to reach the optimal
level of accessibility following technological advancements. If you wish to
contact the website’s owner, please use the website's form

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