Change Lending, LLC closing costs and rates (2024)
In 2024, Change Lending, LLC originated 3,089 purchase mortgages at a median interest rate of 7.00% and median total closing costs of $11,965. That ranks #150 nationally by origination volume. For total closing costs among lenders with 500+ originations, Change Lending, LLC ranks #594. That is $5,224 above the national median of $6,741. Change Lending, LLC is most active in California with 1,301 originations there.
Purchase Originations
3,089
Ranked #150 nationally
Median Total Costs
$11,965
+77.5% vs national ($6,741)
Median Rate
7.000%
+5.7% vs national (6.620%)
Median Origination
$5,906
Median Lender Credits
$700
Cost Rank (500+ vol.)
#594
among lenders with 500+ originations
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 2,132 | 7.375% | $11,184 | $7,373 |
| fha | 772 | 6.500% | $13,034 | $4,506 |
| va | 178 | 6.312% | $10,901 | $4,354 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| California | 1,301 | 6.875% | $11,408 | #36 |
| Texas | 718 | 6.625% | $11,290 | #89 |
| Florida | 267 | 8.000% | $14,942 | #139 |
| Colorado | 119 | 7.000% | $4,141 | #97 |
| Oregon | 83 | 6.625% | $12,606 | #79 |
| New Mexico | 81 | 6.625% | $9,929 | #46 |
| Washington | 59 | 7.000% | $8,129 | #134 |
| New Jersey | 58 | 8.750% | $16,392 | #139 |
| Arizona | 49 | 7.625% | $12,528 | — |
| Michigan | 36 | 8.938% | $13,224 | — |
| North Carolina | 36 | 8.750% | $13,152 | — |
| South Carolina | 30 | 8.500% | $13,056 | — |
| Nevada | 26 | 7.062% | $13,919 | — |
| Georgia | 24 | 8.688% | $11,745 | — |
| Idaho | 23 | 7.250% | $13,232 | — |
| Tennessee | 22 | 7.750% | $11,404 | — |
| Virginia | 22 | 8.308% | $17,085 | — |
| Illinois | 17 | 8.000% | $13,646 | — |
| Ohio | 15 | 8.500% | $11,038 | — |
| Hawaii | 12 | 8.375% | $27,610 | — |
| Minnesota | 11 | 9.000% | $13,393 | — |
| Utah | 11 | 8.990% | $19,189 | — |
| Alabama | 8 | 9.250% | $13,195 | — |
| Wyoming | 6 | 7.625% | $13,113 | — |
| Arkansas | 5 | 9.000% | $9,064 | — |
| Kentucky | 5 | 7.875% | $11,485 | — |
| Louisiana | 5 | 9.500% | $13,502 | — |
| Pennsylvania | 5 | 7.250% | $16,065 | — |
| Maryland | 4 | 7.370% | $15,042 | — |
| Montana | 4 | 8.938% | $23,814 | — |
| Oklahoma | 4 | 8.562% | $12,984 | — |
| Indiana | 3 | 9.000% | $9,945 | — |
| Kansas | 3 | 7.625% | $14,694 | — |
| Nebraska | 3 | 9.000% | $13,672 | — |
| New Hampshire | 3 | 9.000% | $15,559 | — |
| Connecticut | 2 | 7.438% | $12,777 | — |
| Iowa | 2 | 8.062% | $11,811 | — |
| Mississippi | 2 | 9.812% | $26,250 | — |
| Delaware | 1 | 7.990% | $12,269 | — |
| North Dakota | 1 | 9.375% | $14,391 | — |
| South Dakota | 1 | 6.875% | $4,944 | — |
| Wisconsin | 1 | 9.000% | $11,530 | — |
| West Virginia | 1 | 7.750% | $35,032 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $5,299 | 7.000% | — | 87 | −$6,666 | |
| 2 | $7,318 | 6.875% | — | 35 | −$4,647 | |
| 3 | $7,642 | 6.625% | — | 118 | −$4,323 | |
| 4 | $8,212 | 6.500% | — | 71 | −$3,753 | |
| 5 | $8,321 | 7.125% | — | 49 | −$3,644 | |
| 6 | $8,805 | 6.625% | — | 29 | −$3,160 | |
| 7 | $9,599 | 6.625% | — | 61 | −$2,366 | |
| 8 | $9,808 | 6.625% | — | 35 | −$2,157 | |
| 9 | $9,929 | 6.625% | — | 61 | −$2,036 | |
| 10 | $10,294 | 6.625% | — | 221 | −$1,671 | |
| 11 | $10,459 | 6.625% | — | 545 | −$1,506 | |
| 12 | $10,967 | 6.625% | — | 42 | −$998 | |
| 13 | $11,466 | 6.625% | — | 33 | −$499 | |
| 14 | $11,827 | 6.990% | — | 33 | −$138 | |
| 15 | $15,060 | 8.125% | — | 28 | +$3,095 | |
| 16 | $16,937 | 7.500% | — | 33 | +$4,972 | |
| 17 | $18,038 | 7.250% | — | 62 | +$6,073 | |
| 18 | $22,205 | 8.062% | — | 38 | +$10,240 | |
| 19 | $24,354 | 7.500% | — | 140 | +$12,389 | |
| 20 | $27,370 | 7.500% | — | 45 | +$15,405 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
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Data source: HMDA Modified Loan Application Register 2024, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.