Compliance

Licensing

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, dba Commerce Home Mortgage (“CHM”) (NMLS #1839) is currently licensed to conduct mortgage business as set forth below. License numbers are for the main address located at 16845 Von Karman Avenue, Suite 200, Irvine, California 92606.

For branch licensing, see NMLS Consumer Access at https://www.nmlsconsumeraccess.org/.

STATELICENSE
ArizonaArizona Mortgage Banker License #0925326
CaliforniaLicensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, License #4150083 and the California Financing Law, License #60DBO74388.
ColoradoRegistered Colorado Mortgage Company, Regulated by the Division of Real Estate.
District of ColombiaMortgage Dual Authority License #MLB1839
FloridaFlorida Mortgage Lender Servicer License #MLD1338
GeorgiaGeorgia Residential Mortgage Licensee, License #48010
IdahoMortgage Broker/Lender, License #MBL-2080001839
IowaMortgage Banker License #2020-0150; Mortgage Banker License #2021-0036; Mortgage Banker License #2021-0037; Mortgage Banker License #2021-0038
LouisianaResidential Mortgage Lender License
MarylandMortgage Lender License #22514
Michigan1st Mortgage Broker/Lender/Servicer Registrant #FR0023271
2nd Mortgage Broker/Lender/Servicer Registrant #SR0023272
MinnesotaResidential Mortgage Originator License #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).
MontanaMortgage Lender License #1839
Mortgage Broker License #1839
Mortgage Servicer License #1839
dba Change Home Mortgage
NevadaMortgage Company License #4864
New MexicoMortgage Loan Company License dba Change Home Mortgage
OhioResidential Mortgage Lending Certificate of Registration #RM.804654.000
OregonMortgage Lending License #ML-4044
Mortgage Servicer License #MS-148
Texas

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.

UtahUtah Division of Real Estate, Mortgage Entity License #10953884
VirginiaMortgage Lender License #MC-6713
Mortgage Broker License #MC-6713
WashingtonConsumer Loan Company License, License #CL-1839

Trade Names

Change Lending, LLC conducts business under the following business names:

  • Commerce Home Mortgage
  • Change Home Mortgage
  • Change Wholesale