Change Lending portfolio wholesale program for brokers: channel-typical FICO, LTV, loan size and doc types, every field source-linked and dated.
Change Lending (Anaheim, CA) advertises Portfolio lending to mortgage brokers, ranked #14 by reported wholesale volume. Last checked 2026-07-26.
Loan parameters shown in search are category-level structural guidance describing how this product type is commonly written in the wholesale channel. They are not the lender's published guidelines and are not a pre-approval. Every result links to the lender's own public broker materials with the date we last checked it — confirm current terms with the lender before quoting.
Change Lending is headquartered in Anaheim, CA and publishes a publishes a national broker footprint broker footprint. Its public broker materials referenced portfolio lending when we last checked them on 2026-07-26, alongside 7 other advertised product types in this directory. Change Lending also has $1.53B in wholesale production reported for 2024, placing it #14 in the ranking we reference.
Balance-sheet lending with lender-set guidelines and no agency delivery, commonly used for scenarios agency automated findings decline. In the wholesale channel this product type is commonly written from a 620 minimum FICO up to 85% LTV, on loan amounts between $75K and $5M, with DTI capped near 50%. Accepted documentation typically includes full doc, bank statement, dscr / cash flow, asset depletion, with primary residence, second home, investment property occupancy and single family, warrantable condo, 2-4 unit, 5+ unit / multifamily, non-warrantable condo, mixed use property types in scope. Those parameters describe the channel, not Change Lending's own matrix — pull the current guideline from the lender before you quote.
Change Lending's own positioning notes are: CDFI lender; Community Mortgage program. Those are lender-published claims, checked 2026-07-26. What matters on a portfolio submission is the current rate sheet, the overlay set, and the AE assigned to your shop — all three come from Change Lending directly, and none of them are published here.
Yes. Change Lending's public broker materials referenced portfolio lending when we last checked on 2026-07-26. Broker approval and program eligibility are decided by Change Lending, not by this directory — start at its change lending official website and confirm current requirements.
Change Lending does not publish its portfolio matrix on a public page, so this profile shows the channel-typical structure instead: a 620 minimum score and leverage up to 85% LTV, with DTI to roughly 50%. Treat that as a starting point and verify the live guideline with your account executive.
In the wholesale channel this product is generally written between $75K and $5M, using full doc, bank statement, dscr / cash flow, asset depletion documentation on primary residence, second home, investment property occupancy. Change Lending may sit tighter or looser than that range on any single field.
Scotsman Guide Top Wholesale Lenders reported $1.53B for 2024 and placed Change Lending at #14. That figure is published by Scotsman Guide; LoanOfficer.ai reproduces it with attribution and does not calculate it.
Change Lending lender profile · All Portfolio wholesale lenders · Program search · Wholesale lender rankings