Wholesale Broker Application & Approval Process

Partner with Change Wholesale to Grow Your Business by Financing Prime Borrowers Others Can’t

Completed Broker Application via Comergence.
Minimum Net Worth: $25,000 or per applicable state regulations
Experience: In business for 2+ years or one principal with 2+ years of industry experience
Resumes or other appropriate documentation for all owners, principals, or officers who:
Hold 25% or more ownership interest, and/or
Are actively involved in the management of loan origination or underwriting operations
Financials: Year-to-date P&L and balance sheet dated within 90 days
Credit Report: Tri-merge soft pull or broker-provided (within 120 days); Minimum FICO of 620 (exceptions may apply)

Need help completing your application? Use these quick guides to navigate common steps in the broker approval process:

Still have questions? Our team is here to help.

Our streamlined approval process ensures fast, efficient onboarding:

We require a minimum FICO score of 620. Exceptions may be made with additional documentation.

Most applications are reviewed within 3-5 business days, depending on documentation completeness.

You’ll need current financials, ownership information, credit reports, and key personnel resumes indicating ownership.

Yes. If your company was incorporated recently, you may provide a current corporate bank statement in lieu of financials.

No. Every company must be licensed with NMLS to get approved.