Applications / Mortgage Analytics / Lenders / California / Change Lending / Data
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
History
- 1999First report under HMDA.
Filed under earlier names
- 1999–2007BWC MORTGAGE SERVICES
- 2005–2005BWC MORTGAGE SERVICE
- 2008–2009SIMONICH CORPORATION
- 2010–2011BANK OF COMMERCE MORTGAGE
- 2012–2012SIMONICH CORP DBA BANK OF COMM
- 2013–2014SIMONICH CORPORATION DBA COMME
- 2015–2016COMMERCE HOME MORTGAGE
- 2018–2018Commerce Home Mortgage Inc.
- 2019–2020Commerce Home Mortgage LLC
- 2021–2024CHANGE LENDING, LLC
Data editions
| Year | Publisher | Edition |
|---|---|---|
| 2018 | FFIEC | three-year |
| 2019 | FFIEC | three-year |
| 2020 | FFIEC | snapshot |
| 2021 | FFIEC | snapshot |
| 2022 | FFIEC | snapshot |
| 2023 | FFIEC | one-year |
| 2024 | FFIEC | one-year |
| 2025 | FFIEC | snapshot |
Corrections to this lender's records
| Year | Problem | Records | What was done |
|---|---|---|---|
| 2024 | zero income set to missing: business-purpose loan: personal income is not the basis. HMDA says report NA when income is not relied on | 7 | Record adjusted; the published value is kept in dw.lar_original |
| 2024 | zero income set to missing: debt-to-income band reported (>60%), which cannot be computed from zero income. HMDA says report NA when income is not relied on | 2 | Record adjusted; the published value is kept in dw.lar_original |
| 2025 | zero income set to missing: business-purpose loan: personal income is not the basis. HMDA says report NA when income is not relied on | 11 | Record adjusted; the published value is kept in dw.lar_original |
The data behind this page, and how it was built, checked and analysed in Jenner: the data product · the fair-lending method. Page generated 2026-10-24T10:45:41Z.
The data and the software behind these pages
Change Lending's data
$215
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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