Responsible lending


Change Lending, LLC, dba Commerce Home Mortgage
16845 Von Karman Avenue, Suite 200 Irvine, California 92606

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


Arizona Mortgage Banker License No. 0925326


Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act No. 4150083 and by the California Bureau of Real Estate, No. 01218426.


Mortgage Company Registration, Colorado Division of Real Estate –

District of Colombia

Mortgage Dual Authority License No. MLB1839.


Licensed as a Mortgage Lender/Servicer by the Office of Financial Regulation, License No. MLD1338.


Licensed as a Mortgage Lender by the Department of Banking and Finance, License No. 48010.


Mortgage Broker/Lender, License No. MBL-2080001839.


Licensed by the Iowa Division of Banking, Mortgage Banker License #2020-0150; Mortgage Banker License #2021-0036; Mortgage Banker License #2021-0037; Mortgage Banker License #2021-0038.


Residential Mortgage Lender License.


Licensed as a Mortgage Lender by the Commissioner of Financial Regulation. License No. 22514.


Licensed by the Michigan Office of Financial and Insurance Regulation, First Mortgage Broker/Lender/Servicer Registrant No. FR0023271 and Second Mortgage Broker/Lender/Servicer Registrant No. SR0023272.


Licensed by the Minnesota Department of Commerce, Residential Mortgage Originator License No. MN-MO-1839. This is not an offer to enter into an agreement. Any such offer may only be made pursuant to Minn. Stat. 47.206 (3) & (4).


Licensed by the Montana Division of Banking and Financial Institutions, Montana Mortgage Broker/Lender/Servicer License No. 1839.


Mortgage Broker License No. 4864.

New Mexico

Licensed by the New Mexico Financial Institutions Division, Mortgage Loan Company License.


Licensed by the Ohio Department of Commerce, Division of Financial Institutions, Ohio Residential Mortgage Lending Certificate of Registration #RM.804654.000.


Licensed by the Oregon Division of Finance & Corporate Securities, Mortgage Lending License No. ML-4044 and Mortgage Servicer License No. MS-148.


Licensed by the Tennessee Department of Financial Institutions, Mortgage License No. M-231733.


Mortgage Banker Registration No. 1766479
Consumers wishing to file a complaint against a mortgage banker or a licensed mortgage banker residential mortgage loan. 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 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


Utah Division of Real Estate, Mortgage Entity License No. 10953884
Utah Department of Financial Institutions, Residential First Mortgage Notification


Licensed as a Mortgage Lender and Broker by the Virginia State Corporation Commission No. MC-6713.


Licensed by the Department of Financial Institutions under the Consumer Loan Act No. CL-1839.