Compliance & Licensing
Responsible Lending
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
Trade 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 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).