Millions of financially stable Americans look like risky borrowers on paper—because they are freelancers, for example, or have multiple jobs. The Change Company provides fairly priced mortgages to this underserved group. In 2020 it originated $7 billion in loans to some 30,000 customers, 70% of whom identify as Black, Latinx, or low-income. It also notched its third straight year of operating profits.
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