Lenders › Change Lending, LLC › North Carolina
Change Lending, LLC in North Carolina
HMDA record for properties in North Carolina, calendar year 2024. National record · North Carolina overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In North Carolina, Change Lending, LLC reported 128 applications and 67 originations for 2024, $29m in all.
Its denial rate in the state was 13.0%, below the North Carolina rate of 24.0% across all lenders and compared with the lender's national rate of 13.7%.
The median rate spread on its North Carolina originations was 2.5 percentage points (state median 0.2).
Applications in the state were down 30% on 2023.
Compared with the state and the lender's national record
| Measure | In North Carolina | North Carolina, all lenders | Change Lending, LLC, all states | United States |
|---|---|---|---|---|
| Denial rate | 13.0% | 24.0% | 13.7% | 24.3% |
| Median rate spread, pp | 2.5 | 0.2 | 0.9 | 0.3 |
| Originations with spread of 1.5 pp or more | 68.6% | 11.8% | 31.6% | 15.6% |
| Average originated loan | $429k | $299k | $531k | $329k |
| Home purchase share | 58.2% | 56.3% | 60.9% | 57.0% |
| FHA-insured share | 1.5% | 11.8% | 15.4% | 13.4% |
| VA-guaranteed share | 3.0% | 11.8% | 3.9% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateNorth Carolina, all lenders
Loan purpose and loan type in North Carolina
By purpose
Home purchase 76% (39)Refinancing 4% (2)Cash-out refinancing 20% (10)
By type
Conventional 96% (64)FHA 1% (1)VA 3% (2)
Denial reasons as coded
Withheld: fewer than 25 denials in the state.
Counties in North Carolina
No county in the state reaches 25 applications.
Questions and answers
How many mortgages did Change Lending, LLC originate in North Carolina in 2024?
67 loans totalling $29m, from 128 applications reported for properties in North Carolina.
What is Change Lending, LLC's denial rate in North Carolina?
13.0% of decided applications in North Carolina were denied, against 24.0% for all lenders in the state and 13.7% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which North Carolina counties does Change Lending, LLC lend in most?
No county in the state reaches 25 applications.
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in North Carolina. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.