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
Sign up for a Demo
Get a personalized walkthrough of xChange’s loans and platform with a member of our business development team.
We Offer CRA Credits and Reliable, Secured Assets
With a majority of loans in low-to-moderate income and community target markets that are sourced from Change Lending, America’s largest Community Development Financial Institution (CDFI), xChange offers CRA-eligible loans that are high quality, high-yielding, and have risk-adjusted returns.
Multiple 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.
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.
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Get in touch with our team and get all of your questions answered.
