The Secret Bias Hidden in Mortgage-Approval Algorithms

Change Lending, LLC dba Change Wholesale is a state-licensed mortgage lender, NMLS ID #1839. To verify licenses, visit www.nmlsconsumeraccess.org. Headquartered at 175 N Riverview Drive, Suite C, Anaheim, CA 92808. AZ: Arizona Mortgage Banker License #0925326; CA: Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act and California Financing Law; CO: Regulated by the Division of Real Estate; GA: Georgia Residential Mortgage Licensee #48010; MN: This is not an offer to enter into an agreement and an offer may only be made pursuant to Minn. Stat. §47.206 (3) & (4); NJ: Residential Mortgage Lender License – Licensed by the N.J. Department of Banking and Insurance; OH: Licensed by the Ohio Department of Commerce, Division of Financial Institutions, Ohio Residential Mortgage Lending Certificate of Registration #RM.804654.000. RI: Rhode Island Licensed Lender #20224336LL. For other states, visit www.changewholesale.com. All loans must meet underwriting guidelines. This information is intended for the exclusive use of licensed real estate and mortgage lending professionals in accordance with local laws and regulations. Distribution to the public is prohibited. Subject to change without notice. CHANGE LENDING, LLC AND ITS LOAN PRODUCTS ARE NOT SPONSORED OR ENDORSED OR BEING OFFERED BY THE U.S. TREASURY DEPARTMENT OR ANY OTHER GOVERNMENT AGENCY. © 2025. Change Lending, LLC. All rights reserved. Some of the Products referenced in this website are originated by the Change Company CDFI LLC, NMLS #2486868, the parent company of Change Lending, LLC.