Change Lending, LLC mortgage approval rate & lending review
Change Lending, LLC decided 22,323 mortgage applications and funded 18,789 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Change Lending, LLC reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to change.capital.
Change Lending, LLC at a glance
Approval is 2.5 points above the 82.5% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 90% | 11,776 / 13,064 | 99% | $355K | 11,688 |
| Home improvement loans | 78% | 59 / 76 | 100% | $495K | 59 |
| Cash-out refinance | 73% | 2,870 / 3,930 | 99% | $425K | 2,829 |
| Refinance | 77% | 893 / 1,160 | 99% | $635K | 880 |
| Investment property purchase | 89% | 2,067 / 2,324 | 99% | $315K | 2,055 |
| Investment cash-out refinance | 74% | 928 / 1,254 | 98% | $335K | 913 |
| Investment refinance | 73% | 367 / 500 | 97% | $375K | 357 |
Change Lending, LLC lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 88% | $475K | 8,313 | 7,233 |
| Florida | 80% | $365K | 3,472 | 2,748 |
| Texas | 89% | $245K | 3,430 | 3,015 |
| New Jersey | 83% | $385K | 934 | 762 |
| Colorado | 92% | $555K | 561 | 512 |
| Arizona | 79% | $385K | 560 | 442 |
| Michigan | 72% | $255K | 429 | 307 |
| Oregon | 90% | $535K | 385 | 345 |
| New Mexico | 89% | $265K | 370 | 326 |
| Georgia | 78% | $355K | 367 | 282 |
| North Carolina | 84% | $295K | 330 | 273 |
| South Carolina | 79% | $295K | 270 | 213 |
| Washington | 90% | $535K | 245 | 216 |
| Illinois | 75% | $295K | 242 | 180 |
| Tennessee | 81% | $365K | 225 | 183 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Change Lending, LLC lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| El Paso County, TX | Mortgage lenders | 97% | 1,824 | 1,756 |
| Tulare County, CA | Mortgage lenders | 97% | 674 | 645 |
| Los Angeles County, CA | Mortgage lenders | 90% | 658 | 587 |
| Contra Costa County, CA | Mortgage lenders | 98% | 472 | 461 |
| Los Angeles County, CA | Cash-out refinance | 73% | 475 | 345 |
| Shasta County, CA | Mortgage lenders | 96% | 351 | 332 |
| Butte County, CA | Mortgage lenders | 99% | 270 | 266 |
| Broward County, FL | Mortgage lenders | 88% | 258 | 227 |
| Riverside County, CA | Mortgage lenders | 90% | 253 | 225 |
| Orange County, CA | Mortgage lenders | 87% | 246 | 212 |
| Santa Clara County, CA | Mortgage lenders | 93% | 209 | 195 |
| San Diego County, CA | Mortgage lenders | 83% | 215 | 177 |
The county markets where Change Lending, LLC made the most loans. Each link opens that market with every lender ranked.
Questions about Change Lending, LLC
What is Change Lending, LLC's mortgage approval rate?
Change Lending, LLC approved 85.0% of the 22,323 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 2.5 points above the 82.5% national rate for the same mix of loan types.
How often do borrowers take the loan Change Lending, LLC offers?
Borrowers accepted 99% of the loans Change Lending, LLC approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Change Lending, LLC make?
The typical home purchase mortgage loan Change Lending, LLC made was $355K; across all loan types its typical loan ran from $315K to $635K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Change Lending, LLC lend?
Change Lending, LLC decided applications in 47 of the states Fat Boy Data covers, most of them in California, Florida and Texas.
Can I apply to Change Lending, LLC directly?
Yes. Change Lending, LLC reports as a direct lender that takes applications from borrowers. Its website is change.capital.
Does this page show Change Lending, LLC's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Change Lending, LLC treats applications, then get a rate quote from the lender.