Applications / Mortgage Analytics / Lenders / California / Change Lending / Competition
Change Lending
Irvine, CA · Independent non-bank lender · CFPB · 8,804 loans in 2025
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8,804
loans originated, 2025
14,858
applications, 2025
48
states and territories
0
gaps bigger than at similar lenders
Who Change Lending competes with, by dollars lent in 2025, in its five largest markets and the three it entered most recently. A Pareto chart puts the lenders in order of size and draws their running share, so the reader sees how concentrated each market is: where the line climbs steeply, a few lenders hold most of it.
FIG. 1 — LOS ANGELES-LONG BEACH-ANAHEIM, CA, 2025
Change Lending ranks 22nd of 757 lenders in Los Angeles-Long Beach-Anaheim, CA, with $1.01B lent: 0.9% of a $114.28B market.
Los Angeles-Long Beach-Anaheim, CA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Change Lending in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 39% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — SAN FRANCISCO-OAKLAND-FREMONT, CA, 2025
Change Lending ranks 35th of 606 lenders in San Francisco-Oakland-Fremont, CA, with $271.0M lent: 0.5% of a $52.26B market.
San Francisco-Oakland-Fremont, CA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Change Lending in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 48% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — MIAMI-FORT LAUDERDALE-WEST PALM BEACH, FL, 2025
Change Lending ranks 44th of 937 lenders in Miami-Fort Lauderdale-West Palm Beach, FL, with $232.5M lent: 0.5% of a $48.09B market.
Miami-Fort Lauderdale-West Palm Beach, FL is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Change Lending in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 36% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — SAN DIEGO-CHULA VISTA-CARLSBAD, CA, 2025
Change Lending ranks 32nd of 639 lenders in San Diego-Chula Vista-Carlsbad, CA, with $191.6M lent: 0.6% of a $33.92B market.
San Diego-Chula Vista-Carlsbad, CA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Change Lending in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 43% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 5 — NEW YORK-NEWARK-JERSEY CITY, NY-NJ, 2025
Change Lending ranks 132nd of 802 lenders in New York-Newark-Jersey City, NY-NJ, with $189.5M lent: 0.1% of a $144.59B market.
New York-Newark-Jersey City, NY-NJ is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Change Lending in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 39% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 6 — LOGAN, ID-UT, 2025
Change Lending ranks 46th of 176 lenders in Logan, ID-UT, with $2.6M lent: 0.2% of a $1.16B market.
Logan, ID-UT is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Change Lending in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 62% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 7 — NON-METRO VERMONT, 2025
Change Lending ranks 102nd of 264 lenders in non-metro Vermont, with $1.8M lent: 0.1% of a $2.14B market.
non-metro Vermont is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Change Lending in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 46% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 8 — NON-METRO KANSAS, 2025
Change Lending ranks 171st of 398 lenders in non-metro Kansas, with $1.3M lent: 0.1% of a $1.82B market.
non-metro Kansas is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Change Lending in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 35% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
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Change Lending and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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