Compliance & Licensing

Responsible Lending

Federal Agency ApprovalsState LicensingTrade NamesDisclosures

Federal Agency Approvals

  • FHA Direct Endorsement
  • VA Approved Lender
  • USDA Approved Lender
  • Fannie Mae Approved Seller/Servicer
  • Freddie Mac Approved Seller/Servicer
  • Ginnie Mae Approved

State Licensing

Change Lending, LLC (NMLS #1839) 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 C, Anaheim, CA 92808.

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

Alabama

Consumer Credit License #22929

Alaska

  • Alaska Mortgage Broker/Lender License #AK1839
  • Alaska Mortgage Broker/Lender License #AK1839-1
  • Alaska Mortgage Broker/Lender License #AK1839-2
  • Alaska Mortgage Broker/Lender License #AK1839-3
  • Alaska Mortgage Broker/Lender License #AK1839-4

Arizona

  • Arizona Mortgage Banker License #0925326

Arkansas

  • Combined Mortgage Banker-Broker-Servicer License #124394

California

  • Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, License #4150083.
  • Licensed by the Department of Financial Protection and Innovation under the California Financing Law, License #60DBO74388.

Colorado

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

Connecticut

  • Mortgage Lender License # ML-1839

Delaware

  • DE Lender License #034305

District of Columbia

  • Mortgage Dual Authority License #MLB1839

Florida

  • Florida Mortgage Lender Servicer License #MLD1338

Georgia

  • Georgia Mortgage Lender License/Registration, License #48010

Hawaii

  • Mortgage Loan Originator Company License # HI-1839
  • Mortgage Servicer License #MS260

Idaho

  • Mortgage Broker/Lender, License #MBL-2080001839

Illinois

  • IL Residential Mortgage License #MB.6761600

STATE OF ILLINOIS COMMUNITY REINVESTMENT NOTICE

The Department of Financial and Professional Regulation (Department) evaluates our performance in meeting the financial services needs of this community, including the needs of low-income to moderate-income households. The Department takes this evaluation into account when deciding on certain applications submitted by us for approval by the Department. Your involvement is encouraged. You many obtain a copy of our evaluation. You may also submit signed, written comments about our performance in meeting community financial services needs to the Department.

205 Ill. Comp. Stat. Ann. 735/35-20

Indiana

  • Indiana DFI Mortgage Lender License

Iowa

  • Mortgage Banker License #2020-0150
  • Mortgage Banker License #2021-0036– OTN #2
  • Mortgage Banker License #2021-0037– OTN #3
  • Mortgage Banker License #2021-0038– OTN #4
  • Mortgage Banker License #2021-0073– OTN #5

Kansas

  • Mortgage Company License #MC.0025709

Kentucky

  • Mortgage Company License # MC748639

Louisiana

  • Residential Mortgage Lender License

Maine

  • Supervised Lender License #1839 by the Bureau of Consumer Credit Protection

Maryland

  • MD Mortgage Lender License #1839

Michigan

  • 1st Mortgage Broker/Lender/Servicer Registrant #FR0023271
  • 2nd Mortgage Broker/Lender/Servicer Registrant #SR0023272

Minnesota

  • Residential Mortgage Originator License #MN-MO-1839
  • Residential Mortgage Originator License #MO-MN-1839.1 – Other Trade Name #1
  • Residential Mortgage Originator License #MO-MN-1839.2 – Other Trade Name #2
  • Residential Mortgage Originator License #MO-MN-1839.3 – Other Trade Name #3
  • Residential Mortgage Originator License #MO-MN-1839.4– Other Trade Name #4

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

Mississippi

  • MS Mortgage Lender License #1839

Montana

  • Mortgage Lender License #1839
  • Mortgage Broker License #1839
  • Mortgage Servicer License #1839

Nebraska

  • Mortgage Banker License
  • Mortgage Banker License – other Trade Name #2
  • Mortgage Banker License – other Trade Name #3
  • Mortgage Banker License – other Trade Name #4
  • Mortgage Banker License – other Trade Name #5
  • Mortgage Banker License – other Trade Name #6
  • Mortgage Banker License – other Trade Name #7

Nevada

  • Mortgage Company License #4864

New Hampshire

  • Mortgage Banker License #24159-MB

New Jersey

  • NJ Residential Mortgage Lender License
    NJ RMLA Licensed Mortgage Servicer Registration

New Mexico

  • Mortgage Loan Company License

North Carolina

  • Mortgage Lender License # L-202226

North Dakota

  • ND Money Broker License #MB103838

Ohio

  • Residential Mortgage Lending Act Certificate of Registration #RM.804654.000

Oklahoma

  • Mortgage Lender License #ML013706
  • Mortgage Lender License #ML013707– OTN #1
  • Mortgage Lender License #ML013708– OTN #2
  • Mortgage Lender License #ML013709– OTN #3
  • Mortgage Lender License #ML013710– OTN #4
  • Mortgage Lender License #ML013711– OTN #5

Oregon

  • Mortgage Lending License #ML-4044
    Mortgage Servicer License #MS-148

Pennsylvania

  • Mortgage Lender License #93012
    Mortgage Servicer License #93013

Rhode Island

  • RI Lender License #20224336LL

South Carolina

  • BFI Mortgage Lender/Servicer License #MSL-1839
  • BFI Mortgage Lender/Servicer License #MSL-1839 OTN#1
  • BFI Mortgage Lender/Servicer License #MSL-1839 OTN#2
  • BFI Mortgage Lender/Servicer License #MSL-1839 OTN#3
  • BFI Mortgage Lender/Servicer License #MSL-1839 OTN#4

South Dakota

  • Mortgage Lender License #1839.ML

Tennessee

  • Mortgage License #231733

Texas

  • TX – SML Mortgage Banker Registration

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER 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 WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER 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 BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.

Utah

  • Utah-DFI Residential First Mortgage Notification
  • Utah DRE, Mortgage Entity License #10953884
  • Utah DRE, Mortgage Entity License #12338975 –OTN#1
  • Utah DRE, Mortgage Entity License #12338984 – OTN#2
  • Utah DRE, Mortgage Entity License #12338992 – OTN#3
  • Utah DRE, Mortgage Entity License #12338997 – OTN#4

Vermont

  • Vermont Lender License #LL-1839
  • Vermont Lender License #LL-1839-1 OTN #1
  • Vermont Lender License #LL-1939-2 OTN #2
  • Vermont Lender License #LL-1939-3 OTN #3
  • Vermont Lender License #LL-1939-4 OTN #4
  • Vermont Lender License #LL-1939-5 OTN #5
  • Vermont Loan Servicer License #LS-1839
  • Vermont Loan Servicer License #LS-1839-1 OTN #1
  • Vermont Loan Servicer License #LS-1939-2 OTN #2
  • Vermont Loan Servicer License #LS-1939-3 OTN #3
  • Vermont Loan Servicer License #LS-1939-4 OTN #4
  • Vermont Loan Servicer License #LS-1939-5 OTN #5

Virginia

  • Mortgage Lender License #MC-6713
    Mortgage Broker License #MC-6713

Washington

  • Consumer Loan Company License #CL-1839

West Virginia

  • Mortgage Lender License #ML-1839

Wisconsin

  • Mortgage Lender/Broker License #1839

Wyoming

  • Mortgage Banker License #4131

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Trade Names

Change Lending, LLC. conducts business under the following business names:

  • Change Home Mortgage
  • Change Home Loans
  • Change Lending
  • Change Wholesale
  • Commerce Home Mortgage
  • Commerce Home Mortgage, LLC
  • Redding Lender (Only in California)

Disclosures

The Federal Equal Credit Opportunity Act

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 applicants 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 are 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).

Products
Resources
About
Contact
Change Lending, LLC dba Change Wholesale is a state-licensed mortgage lender, NMLS ID #1839. To verify licenses, visit www.nmlsconsumeraccess.org. Headquartered at 175 N Riverview Drive, Suite C, Anaheim, CA 92808. AZ: Arizona Mortgage Banker License #0925326; CA: Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act and California Financing Law; CO: Regulated by the Division of Real Estate; GA: Georgia Residential Mortgage Licensee #48010; 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: Licensed by the Ohio Department of Commerce, Division of Financial Institutions, Ohio Residential Mortgage Lending Certificate of Registration #RM.804654.000. RI: Rhode Island Licensed Lender #20224336LL. For other states, visit www.changewholesale.com. All loans must meet underwriting guidelines. This information is intended for the exclusive use of licensed real estate and mortgage lending professionals in accordance with local laws and regulations. Distribution to the public is prohibited. Subject to change without notice. CHANGE LENDING, LLC AND ITS LOAN PRODUCTS ARE NOT SPONSORED OR ENDORSED OR BEING OFFERED BY THE U.S. TREASURY DEPARTMENT OR ANY OTHER GOVERNMENT AGENCY. © 2025. Change Lending, LLC. All rights reserved. Some of the Products referenced in this website are originated by the Change Company CDFI LLC, NMLS #2486868, the parent company of Change Lending, LLC.