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
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
Great Loans. Great Returns. Great Impact.
xChange is the only active digital marketplace where investors can easily acquire prime impact loans nationwide.*
*FICO, LTV, and Note Rate averages as of January 16, 2024. Average LTV represents the weighted average.
It’s Easy With xChange
Choose 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.
Get Reliable CRA Documentation
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.
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