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  <url>
    <loc>https://www.sugarmaninc.com/news</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2024-06-27</lastmod>
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  <url>
    <loc>https://www.sugarmaninc.com/news/change-lending-names-madison-simm-chief-financial-officer</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e791904e8a3c203e81a26a7/8392370b-d131-4590-9419-62f29798c063/ChangeLending-ChiefFinancialOfficer.png</image:loc>
      <image:title>NEWS - Change Lending Names Madison Simm Chief Financial Officer - Make it stand out</image:title>
      <image:caption>“Madison’s expertise in developing nationally recognized financial services businesses and managing sound growth will be invaluable to Change Lending as the company continues to expand and innovate.” said Steven Sugarman, Founder of The Change Company.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/news/change-lending-becomes-a-member-of-the-federal-home-loan-bank-of-san-francisco</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e791904e8a3c203e81a26a7/565950a3-8812-419a-b716-e0ab8590740d/Change-becomes-member-FHL.png</image:loc>
      <image:title>NEWS - Change Lending Becomes a Member of the Federal Home Loan Bank of San Francisco - Make it stand out</image:title>
      <image:caption>"Joining the Federal Home Loan Bank of San Francisco underscores our dedication to empowering individuals and communities through accessible and affordable home lending"</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/news/change-lending-approved-for-membership-in-the-federal-home-loan-bank-of-san-francisco</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e791904e8a3c203e81a26a7/3c4443e3-0e4e-4fd2-94ef-41709cde79e2/changelendingFHLBSF.png</image:loc>
      <image:title>NEWS - Change Lending Approved for Membership in the&amp;nbsp;Federal Home Loan Bank of San Francisco - Make it stand out</image:title>
      <image:caption>“Change Lending is proud to become a member of the FHLB-SF. We welcome a partnership with the FHLB-SF to enhance our strength and reach as America’s CDFI. We are excited to expand our impact and better serve our target market borrowers.”</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/news/united-states-treasury-cdfi-fund-renews-change-lendings-cdfi-certification</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-03-28</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e791904e8a3c203e81a26a7/359c9ff7-48e8-4e37-9de4-292454cb671b/USTreasury-Change-Lending-CDFI.png</image:loc>
      <image:title>NEWS - United States Treasury CDFI Fund Renews Change Lending’s CDFI Certification - Make it stand out</image:title>
      <image:caption>Change Lending, LLC (Change) is proud to announce that the United States Treasury Community Development Financial Institutions Fund (the “Treasury”) renewed Change’s CDFI Certification on February 7, 2024.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/news/us-treasury-confirms-change-lending-is-a-certified-cdfi-in-good-standing</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e791904e8a3c203e81a26a7/53056c50-49f9-42e5-963a-3bd884d30ba9/image-asset.png</image:loc>
      <image:title>NEWS - U.S. Treasury Confirms Change Lending is a Certified CDFI in Good Standing - Make it stand out</image:title>
      <image:caption>Change and the U.S. Treasury Department entered into a global settlement agreement confirming Change is a certified CDFI in good standing with Treasury’s CDFI Fund.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/news/the-change-company-issues-its-first-aaa-rated-securitization-backed-exclusively-by-its-proprietary-community-mortgages</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-11-07</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e791904e8a3c203e81a26a7/cd3e1283-0b1b-4fb1-9fab-0db4383f6bbd/The_Change_Company_Issues_its_First_AAA_Rated_Securitization_Backed_Exclusively_by_its_Proprietary_Community_Mortgages.png</image:loc>
      <image:title>NEWS - The Change Company Issues its First AAA Rated Securitization Backed Exclusively by its Proprietary Community Mortgages - Make it stand out</image:title>
      <image:caption>Receiving our first AAA rating on a securitization comprised solely of our proprietary Community Mortgage is an important milestone for Change.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/news/broad-coalition-of-financial-institutions-support-cdfi-exemptions</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-06-30</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e791904e8a3c203e81a26a7/9096e63e-be92-4b72-a039-42919184d417/image-asset.png</image:loc>
      <image:title>NEWS - Broad Coalition of Financial Institutions Support CDFI Exemptions - Make it stand out</image:title>
      <image:caption>When the largest most credible associations representing banks, credit unions, community development lenders, mortgage brokers, and mortgage companies all come to the same conclusion, it is time to listen.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/news/the-change-company-and-framework-homeownership-partner-to-expand-homeownership</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-06-14</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e791904e8a3c203e81a26a7/5cece07a-a504-451d-91a1-9f31276b8d73/expand-homeownership.png</image:loc>
      <image:title>NEWS - The Change Company and Framework Homeownership Partner to Expand Homeownership - Make it stand out</image:title>
      <image:caption>The Change Company is proud to partner with Framework to provide financial literacy and NIS Endorsed homebuyer education to credit-worthy prime borrowers</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/news/the-change-company-closes-sixth-investment-gradesecuritization-of-2022</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-06-14</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e791904e8a3c203e81a26a7/5853716b-1c68-4827-8a03-f8510f595614/__tcc-sugarmaninc.png</image:loc>
      <image:title>NEWS - The Change Company Closes Sixth Investment Grade Securitization of 2022 - Make it stand out</image:title>
      <image:caption>"Closing this RMBS securitization by a CDFI further validates the importance of the exemptions provided to CDFIs by the CFPB. We thank our financial partners for helping us further our mission of ending structural economic inequities in homeownership."</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/news/change-successfully-closes-first-aaa-rated-securitization-of-cdfi-originated-home-loans</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-06-14</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e791904e8a3c203e81a26a7/1661376345699-UBHBGM1NGJ7SF09CY9K2/Change-AAA-Rated.png</image:loc>
      <image:title>NEWS - Change Successfully Closes First AAA-Rated Securitization of CDFI Originated Home Loans - Make it stand out</image:title>
      <image:caption>“We are proud to have been the first CDFI to securitize its own residential loans earlier this year. Today, we took another step towards bringing racial and social equity to homeownership by closing the first AAA-rated RMBS securitization by a CDFI.”</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/news/cdfi-has-a-new-tool-to-boost-minority-homeownership</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-06-14</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e791904e8a3c203e81a26a7/1653072409809-VELDXDMEEVLQD4F56NZT/TheChangeCompany-CDFI-01.png</image:loc>
      <image:title>NEWS - CDFI Has a New Tool to Boost Minority Homeownership - Make it stand out</image:title>
      <image:caption>Next City spoke to Sugarman recently about how securitization could make homeownership more accessible and how other CDFIs can replicate the model for home loans.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/news/the-change-company-raises-88-million-of-preferred-equity</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-06-14</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e791904e8a3c203e81a26a7/1650394119466-NSBU7IZ9IQQF5OY7TNYV/image-asset.png</image:loc>
      <image:title>NEWS - The Change Company Raises $88 Million of Preferred Equity - Make it stand out</image:title>
      <image:caption>We are humbled to attract the high-quality institutional capital and liquidity necessary to increase social and racial equity in America.We are encouraged by the strong, diverse consortium of socially responsible investors who participated in our offerings</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/news/conversation-with-experts-environmental-social-governance-esg-investingq-a-exploring-cdfis-role-in-closing-the-racial-wealth-gap-2akz7</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-06-14</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e791904e8a3c203e81a26a7/1651181551165-7T8KB31J54FCQP84GNGT/__chm-sugarmaninc-01.png</image:loc>
      <image:title>NEWS - Conversation With Experts: Environmental, Social &amp;amp; Governance (ESG) Investing</image:title>
      <image:caption>“A strong ESG program can help to attract and retain quality, mission-driven employees, increasing the profitability and impact of the business.” — Steven Sugarman</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e791904e8a3c203e81a26a7/1651180875350-SE2JA084FOPIBTKNX8YF/image-asset.jpeg</image:loc>
      <image:title>NEWS - Conversation With Experts: Environmental, Social &amp;amp; Governance (ESG) Investing - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/news/the-change-company-expands-as-others-shrink</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-06-14</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e791904e8a3c203e81a26a7/1646345721221-Q0MUTSF41JRLKADG1EHA/image-asset.png</image:loc>
      <image:title>NEWS - The Change Company Expands as Others Shrink</image:title>
      <image:caption>“While the rest of the mortgage market is experiencing at least the early stages of contraction – and I expect that to continue – we are actually growing and hiring,” Irvine said. “As we continue to expand our licensing, it starts to expand our need for people in all areas of the country.”</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e791904e8a3c203e81a26a7/1646346703458-F6E4LGLIZBLYYLMSZ5DH/image-asset.jpeg</image:loc>
      <image:title>NEWS - The Change Company Expands as Others Shrink - Make it stand out</image:title>
      <image:caption>“We call it non-traditional, and it’s a core component of what we do as a CDFI,” Jon Irvine, chief production officer at Change Home Mortgage, told Mortgage Professional America in a telephone interview. “It’s a very altruistic mission. It’s something I feel extremely proud to be a part of.”</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/news/the-change-company-bundles-loans-to-low-income-borrowers-into-esg-bonds</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-06-14</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e791904e8a3c203e81a26a7/1643925641554-6BECFF1M1H5A0Y2TLPQ4/Change-ESG-bonds-01.png</image:loc>
      <image:title>NEWS - The Change Company Bundles Loans to Low-Income Borrowers Into ESG Bonds</image:title>
      <image:caption>The Change Company is already planning its second deal, expecting to sell $350 million of its own loans in February or March. “We will be a programmatic issuer,” Jesse Elhai, head of capital markets at The Change Company, said in a phone interview.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/news/the-change-company-closes-first-ever-residential-mortgage-backed-securitization-comprised-entirely-of-cdfi-originated-loans</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-06-14</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e791904e8a3c203e81a26a7/1643739765892-81GBBFVFAVQH7TTSZO5B/image-asset.png</image:loc>
      <image:title>NEWS - The Change Company Closes First Ever Residential Mortgage Backed Securitization Comprised Entirely of CDFI Originated Loans</image:title>
      <image:caption>Jesse Elhai said: “We are proud to become the first CDFI to successfully securitize its own residential loans. This inaugural securitization validates the importance of CDFIs to fairly and responsibly meet the needs of minority and low-income borrowers."</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/news/the-change-company-featured-on-american-banker</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-06-14</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e791904e8a3c203e81a26a7/1647378569779-L64FAHGPPH355QZX9OL9/__chm-americanbanker-01.png</image:loc>
      <image:title>NEWS - The Change Company Featured on American Banker</image:title>
      <image:caption>“One of the things that troubles us and I think a lot of people is that the gap between Black and white homeownership over the last hundred years has actually widened,” Sugarman said. “Most people know it’s not where they would like it to be, but the fact that it’s widening is tough to explain.”</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e791904e8a3c203e81a26a7/1641872478474-LZJNVQIPO04877UTRW1C/image-asset.jpeg</image:loc>
      <image:title>NEWS - The Change Company Featured on American Banker - Make it stand out</image:title>
      <image:caption>“Colin [Kaepernick] is someone who has spoken strongly and authentically on some issues that matter to our target markets,” says Steven Sugarman, CEO of The Change Company (above left). “Anyone who represents and has trust and credibility within our target markets is someone that we hope we can partner with one way or another.”</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/news/q-a-exploring-cdfis-role-in-closing-the-racial-wealth-gap</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-06-14</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e791904e8a3c203e81a26a7/1639086524517-QMSS8MLC8Q2RS36IIVFO/image-asset.jpeg</image:loc>
      <image:title>NEWS - Q&amp;amp;A: Exploring CDFI’s Role In Closing The Racial Wealth Gap - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e791904e8a3c203e81a26a7/1639088963978-LNJQB0YFORU8EICWQ6OS/image-asset.png</image:loc>
      <image:title>NEWS - Q&amp;amp;A: Exploring CDFI’s Role In Closing The Racial Wealth Gap</image:title>
      <image:caption>“Closing the racial wealth gap today could add $5 trillion of additional GDP over the next five years. And if we are serious about closing this gap, CDFIs and the access they provide to homeownership need to be at the top of the list.” --SUGARMAN</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/news/the-change-company-named-to-fortune-2021-change-the-world-list</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-06-14</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e791904e8a3c203e81a26a7/1634166698810-2D5HLAZI0OW870CT0SO6/change-the-wolrd-01.png</image:loc>
      <image:title>NEWS - The Change Company Named to FORTUNE 2021 “Change the World” List</image:title>
      <image:caption>We set out with a singular mission to bank the unbanked, fairly and responsibly. We believe it’s possible to do well by doing good. FORTUNE’s recognition of The Change Company shows that our approach to financial services is simply good business strategy.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/news/bringing-equal-access-to-the-american-dream</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-06-14</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e791904e8a3c203e81a26a7/9e60c3ac-4580-4f13-ab27-c0688334af7f/__change-American-dream.png</image:loc>
      <image:title>NEWS - Bringing equal access to the American dream</image:title>
      <image:caption>By serving prime borrowers traditionally locked out of financial services, the Change Company is working to "bank the underbanked."</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e791904e8a3c203e81a26a7/fc4cbf62-2c22-4cf5-ad9f-86bb5c1a9a6b/change-the-world-01.png</image:loc>
      <image:title>NEWS - Bringing equal access to the American dream - “Change does what traditional lenders can’t or won’t do,” Sugarman says. “Traditional banks don’t believe all Americans deserve their best technology, their best programs, and their best loans. We do.”</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/news/fortune-change-the-world</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-05-02</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e791904e8a3c203e81a26a7/ee3e9c27-1dbd-4f58-ac61-85c1c6cdd731/__change-fortune-2021.png</image:loc>
      <image:title>NEWS - FORTUNE’s 2021 Change the World&lt;/a&gt;</image:title>
      <image:caption>RANK 11: The Change Company</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/news/small-midsize-companies-offer-best-perks-and-benefits-comparably-ranking-2021</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-06-14</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e791904e8a3c203e81a26a7/1634764662001-9UJDF8K8Y27GH4723B5F/image-asset.png</image:loc>
      <image:title>NEWS - The 25 small and midsize companies that offer the best perks and benefits</image:title>
      <image:caption>Voted top 10 for best perks and benefits</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/news/the-change-company-closes-75-million-senior-debt-offering</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-06-14</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e791904e8a3c203e81a26a7/1634751940785-PE89N06I0EMUEM7SS1U3/__change-75million-01.png</image:loc>
      <image:title>NEWS - The Change Company Closes $75 Million Senior Debt Offering</image:title>
      <image:caption>“The Change Company will continue to expand its partnerships to reach more underbanked consumers in more underserved markets across the United States.” Steven Sugarman, -- Founder, The Change Company</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/news/the-change-company-sponsors-new-brookings-report-on-solutions-to-racial-disparities-in-homeownership</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-06-14</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e791904e8a3c203e81a26a7/1634686319358-5JMESA7CULMW3KST2I68/__change-brookings-01.png</image:loc>
      <image:title>NEWS - The Change Company Sponsors New Brookings Report on Solutions to Racial Disparities in Homeownership</image:title>
      <image:caption>“The Change Company is proud to partner with a renowned organization like the Brookings Institution to further define and understand housing injustice,” said The Change Company Founder and CEO Steven Sugarman.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/news/rmbs-get-an-esg-vibe-at-the-change-company</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-06-14</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e791904e8a3c203e81a26a7/1644897374580-1UQ37K0UJA5L340I8WZ6/_RMBS-sugarmaninc-01.png</image:loc>
      <image:title>NEWS - RMBS Get an ESG vibe at The Change  Company</image:title>
      <image:caption>“We believe there’s a critical role that CDFIs have to play in the non-agency market,” said Sugarman. For The Change Company, that means helping banks fulfill CRA needs, and improving homeownership in Black, Latino and low-income communities, he said.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/news/steven-a-sugarman-speaks-at-74th-annual-nareb-convention-on-expanding-black-homeownership</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-06-14</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e791904e8a3c203e81a26a7/1638828311032-DS6S9A4ZCLOGFPL7E0TL/__tcc-nareb-74-01.png</image:loc>
      <image:title>NEWS - Steven A. Sugarman Speaks at 74th Annual NAREB Convention on Expanding Black Homeownership</image:title>
      <image:caption>“This historic and distinguished trade association has led the fight to tear down barriers to homeownership through their tireless advocacy on behalf of racial equity and equal opportunity for Black Americans seeking homeownership.”</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/news/steven-a-sugarman-powerpoint-presentation-at-74th-annual-nareb-convention-on-expanding-black-homeownership</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-05-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e791904e8a3c203e81a26a7/1644862810694-R01YBRWM2SQPR0HC9D59/image-asset.png</image:loc>
      <image:title>NEWS - National Association of Real Estate Brokers Presentation</image:title>
      <image:caption>National Association of Real Estate Brokers PowerPoint presentation in Cleveland, Ohio, July 26, 2021</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/news/the-change-company-wins-best-leadership-team-award</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-06-14</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e791904e8a3c203e81a26a7/1626799931590-XSXXTQ661AYYGZPP67GM/__change-leadership-01.png</image:loc>
      <image:title>NEWS - The Change Company Wins Best Leadership Team Award - Make it stand out</image:title>
      <image:caption>"The strength of the executive leadership team at The Change Company is their ability to execute and build a real business out of an idea and to create a culture of empowerment via its mission and vision.” -- Employee Rating</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/news/the-change-company-awarded-best-ceo-for-diversity-and-best-ceo-for-women</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-06-14</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e791904e8a3c203e81a26a7/1638478001811-TJ69ND5SB9PO4T7WR3TO/Change-Best-CEO.png</image:loc>
      <image:title>NEWS - The Change Company Awarded Best CEO for Diversity and Best CEO for Women - Make it stand out</image:title>
      <image:caption>“I am blessed to work with a mission-driven team that focuses each day on making a difference in the lives of those families we help to become homeowners and bring into the financial system."</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/news/change-home-mortgage-names-jon-irvine-chief-production-officer</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-06-14</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e791904e8a3c203e81a26a7/1625550133118-4KN7OI9G6GM8FG893B81/__change-sugarmaninc-01.png</image:loc>
      <image:title>NEWS - Change Home Mortgage Names Jon Irvine Chief Production Officer</image:title>
      <image:caption>I'm excited to be joining The Change Company. Equal access to lending and banking products is central to the American Dream and a necessary part of eliminating America’s persistent social and racial inequities.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/news/the-change-company-acquires-connect-escrow</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-06-14</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e791904e8a3c203e81a26a7/1634685556022-Y7NGO8BVW3XCZ0LGF9FZ/__change-connect-01.png</image:loc>
      <image:title>NEWS - The Change Company Acquires Connect Escrow</image:title>
      <image:caption>"We are thrilled to welcome Leanne Alva and her team at Connect Escrow to The Change Company. As we expand access to homeownership, it is critical that The Change Company is able to provide fair and responsible escrow services to its clients." Jeff Seabold</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/news/commerce-home-mortgages-wholesale-division-has-a-new-name-change-wholesale</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-06-14</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e791904e8a3c203e81a26a7/1627973037755-XLWCLN8GQBNR61BKC81C/__change-wholesale-01.png</image:loc>
      <image:title>NEWS - Commerce Home Mortgage’s Wholesale Division Has a New Name: Change Wholesale</image:title>
      <image:caption>“Change Wholesale’s proprietary products, technology, and platform allow our broker partners to close more loans and to close them faster.”</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/news/commerce-home-mortgage-has-a-new-name-change-home-mortgage</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-06-14</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e791904e8a3c203e81a26a7/1627973350174-9G7HMT5FF4LYHKVRXEZR/__change-home-mortgage-01.png</image:loc>
      <image:title>NEWS - Commerce Home Mortgage Has a New Name: Change Home Mortgage</image:title>
      <image:caption>“Our proprietary loans, technology, and platform are enabling us to change how Americans get a home mortgage – making it faster, easier and more inclusive.”</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/news/the-change-company-closes-150-million-senior-debt-offering</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-06-14</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e791904e8a3c203e81a26a7/1625693292269-FW8F9WOCJ56FQ5PGC9V3/__change-150million-01.png</image:loc>
      <image:title>NEWS - The Change Company Closes $150 Million Senior Debt Offering</image:title>
      <image:caption>A consortium of over 45 high-quality insurance companies, asset managers, banks, and ESG investors finance one of the largest capital offerings by a CDFI in U.S. history</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/news/the-change-company-names-jason-biegel-chief-operating-officer-of-residential-lending</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-06-14</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e791904e8a3c203e81a26a7/1625692706407-FMWOCV5G5UMEZ22NFDDT/__change-biegel-01.png</image:loc>
      <image:title>NEWS - The Change Company Names Jason Biegel Chief Operating Officer of Residential Lending</image:title>
      <image:caption>"We are excited that Jason Biegel has joined our team. He has the experience and expertise to help us take the next step in growing our highly scalable, differentiated origination platform."</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/news/expanding-homeownership-in-low-to-moderate-income-communities</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-05-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e791904e8a3c203e81a26a7/1644957714754-ETE0HVX643V851FNF9FB/_LMI-sugarmaninc-01.png</image:loc>
      <image:title>NEWS - Expanding Homeownership in Low- to Moderate-Income  Communities</image:title>
      <image:caption>Expanding Homeownership in Low- to Moderate-Income Communities</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/news/the-change-company-launches-initiative-to-expand-homeownership-in-low-to-moderate-income-communities</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-06-14</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e791904e8a3c203e81a26a7/1625685593584-28PP89LIMP9JAL540U9O/__change-lmi-01.png</image:loc>
      <image:title>NEWS - The Change Company Launches Initiative to Expand Homeownership in Low to Moderate Income Communities</image:title>
      <image:caption>The Change Company has pledged to deploy $1 billion in new lending to grow homeownership in LMI communities.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/news/the-change-company-partners-with-netflix-to-expand-black-homeownership</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-06-14</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e791904e8a3c203e81a26a7/1625596186334-FN6F5MFWWORSOPZ3S9JB/__change-netflix-01.png</image:loc>
      <image:title>NEWS - The Change Company Partners with Netflix to Expand Black Homeownership</image:title>
      <image:caption>"We invite more companies to join the movement and support visionary programs like The Change Company’s Black Homeownership Initiative." - Netflix Treasury Director Shannon Alwyn</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/news/the-change-company-names-jesse-elhai-head-of-capital-markets</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-06-14</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e791904e8a3c203e81a26a7/1625684336744-LJBV3EJ3YD1MOMT205K7/__change-elhai-01.png</image:loc>
      <image:title>NEWS - The Change Company Names Jesse Elhai Head of Capital Markets</image:title>
      <image:caption>"As a CDFI, The Change Company and its subsidiaries originate high quality, prime loans that meet the needs of traditional institutional investors as well as socially responsible investors with CRA, ESG, and Impact investment mandates." - Jesse Elhai</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/news/the-change-company-welcomes-chris-gardner-to-its-board</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-06-14</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e791904e8a3c203e81a26a7/1625682152874-G4CIFR6UB0BFRTTD94FN/__change-gardner-01.png</image:loc>
      <image:title>NEWS - The Change Company Welcomes Chris Gardner to its Board</image:title>
      <image:caption>“I am excited to help The Change Company work to eliminate systemic economic inequalities standing in the way of all Americans finding their own Happyness.”</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/news/the-change-company-names-antonio-villaraigosa-board-chair</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-06-14</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e791904e8a3c203e81a26a7/1625680688219-3CB4NM2W9OSEK34QGNRS/__change-villaraigosa-01.png</image:loc>
      <image:title>NEWS - The Change Company Names Antonio Villaraigosa Board Chair</image:title>
      <image:caption>“The Change Company’s digital-first platform is disrupting lending and banking by reaching out to those who are underbanked and lack equal access to traditional financial institutions," says Antonio Villaraigosa.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/news/the-capital-corps-rebrands-to-the-change-company</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-06-14</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e791904e8a3c203e81a26a7/1625683334581-WLALYOXKU2LUJNZP6G41/__change-tcc-01.png</image:loc>
      <image:title>NEWS - The Capital Corps Rebrands to The Change Company</image:title>
      <image:caption>Our new name - The Change Company - reflects our mission and our passion for immediate solutions to end the persistent structural economic inequalities that continue to impact minority and lower income Americans.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/news/commerce-home-mortgage-closes-follow-on-preferred-equity-offering</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-06-14</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e791904e8a3c203e81a26a7/1609359970633-EXNK6HZWXIY8LE3DMC54/CHM+-+Closes+follow-on+preferred+equty+offering</image:loc>
      <image:title>NEWS - Commerce Home Mortgage Closes Follow-On Preferred Equity Offering</image:title>
      <image:caption>Commerce’s ability to partner with depository institutions on terms consistent with our investment grade rating ratifies our team’s hard work, contributes to our company’s strength, and empowers our critical mission.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/news/commerce-home-mortgage-raises-50000000-of-preferred-equity-to-expand-access-to-capital-to-minority-and-low-income-americans</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-06-14</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e791904e8a3c203e81a26a7/1603222462754-L5KXX7CM4Z0P1J5ICUR5/image-asset.png</image:loc>
      <image:title>NEWS - Commerce Home Mortgage Raises $50,000,000 of Preferred Equity to Expand Access to Capital to Minority and Low-Income Americans</image:title>
      <image:caption>This Offering is a win-win-win for Commerce, its new capital partners, and underbanked borrowers in need of Commerce’s critical financial services.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/news/fed-has-to-pitch-in-on-cra-makeover</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-07-14</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e791904e8a3c203e81a26a7/1585081184629-T4NCIEF009YVQQI353LL/image-asset.jpeg</image:loc>
      <image:title>NEWS - Fed Has to Pitch In On CRA Makeover</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/news/steven-sugarmans-speech-to-the-national-diversity-coalitions-economic-development-conference</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-06-14</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e791904e8a3c203e81a26a7/1644866819541-I5XXL9HC29Q3M6SILRA9/image-asset.png</image:loc>
      <image:title>NEWS - Steven Sugarman's Speech to the National Diversity Coalition's Economic Development Conference</image:title>
      <image:caption>A large bank should be lending billions of dollars to low income borrowers and have programs that meet the needs of the community in which it is headquartered so that over a third of its population is not without access to basic financial services. Personal charitable contributions just can’t make a dent in addressing the problem.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/news/plaintiff-agrees-dismiss-ceo-steven-sugarman-banc</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-02-14</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e791904e8a3c203e81a26a7/1585081559298-WDO7BIPF7TXA90YKEK7T/image-asset.jpeg</image:loc>
      <image:title>NEWS - Plaintiff Agrees to Dismiss Former CEO Steven Sugarman From Banc of California Litigation</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/news/axos-financial-inc-closes-cor-clearing-llc-acquisition</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-03-03</lastmod>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/news/axos-financial-acquires-cor-clearing</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-10-19</lastmod>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/news/axos-financial-inc-signs-agreement-to-acquire-cor-clearing-llc</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-03-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e791904e8a3c203e81a26a7/1592440765526-Y1TL7QJY66F0OXUGMKUY/axos.png</image:loc>
      <image:title>NEWS - Axos Financial, Inc. Signs Agreement to Acquire COR Clearing LLC</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/news/axos-financial-signs-agreement-acquire-cor-clearing</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-03-03</lastmod>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/news/national-diversity-coalition-appoints-steven-sugarman-senior</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-07-14</lastmod>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/news/41803-the-capital-corps-commerce-home-mortgage-partner-to-lend-to-non-traditional-prime-borrowers</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-07-14</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e791904e8a3c203e81a26a7/1585239274260-PU9BNPY6JS3DRSYO0PMC/image-asset.jpeg</image:loc>
      <image:title>NEWS - HousingWire: The Capital Corps, Commerce Home Mortgage partner to lend to ‘non-traditional prime borrowers’</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/news/california-leaders-launch-capital-corps-llc</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-07-01</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e791904e8a3c203e81a26a7/d621e66f-9090-4e73-8369-01c906e9364d/The_Capital_Corps.png</image:loc>
      <image:title>NEWS - California Leaders Launch The Capital Corps, LLC</image:title>
      <image:caption>“The Capital Corps will focus on ensuring its lending platform is scalable, financially strong and the leader in non-traditional prime lending. We seek to meaningfully expand access to capital to the over $100 billion of diverse borrowers that are currently unserved by banks.”</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/news/sugarman-forms-lender-focused-underserved</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-03-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e791904e8a3c203e81a26a7/1625782048833-56TXJ3VJF6LH4EP10IAG/Sugarman.Steven-web_t670.jpg</image:loc>
      <image:title>NEWS - Sugarman Forms Lender Focused on the Underserved</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/news/lafc-and-banc-california-announce-unveiling-official-banc-california-stadium-log</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-07-14</lastmod>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/news/americas-best-banks-2017</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-07-14</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e791904e8a3c203e81a26a7/1625782458400-N7LVBZSKVW8Q89A65QGF/image-asset.jpeg</image:loc>
      <image:title>NEWS - Forbes:  America's Best Banks 2017</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/news/banc-of-california-ceo-talks-cre</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-08-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e791904e8a3c203e81a26a7/1596479177179-XNHK3QHJWL8XX91DMHK5/Sugarman-bisnow1.jpeg</image:loc>
      <image:title>NEWS - Banc of California CEO Talks CRE</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e791904e8a3c203e81a26a7/1596479285479-YAU1DS1R6KS6FMUOCNS2/Sugarman-bisnow2.jpeg</image:loc>
      <image:title>NEWS - Banc of California CEO Talks CRE</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/news/fortune-magazine-names-banc-of-california-to-list-of-100-fastest-growing-companies-300327804</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-07-14</lastmod>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/news/banc-of-california-ceo-addresses-los-angeles-rams-kickoff-for-charity-luncheon-300323734</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-03-03</lastmod>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/news/strongbanc-of-california-named-official-banking-partner-of-the-los-angeles-rams-foundationstrong</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-03-03</lastmod>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/news/la-fi-boc-naming-rights-20160822-snap-story</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-07-14</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e791904e8a3c203e81a26a7/1596482113828-E9FRPTQV8PICPI0A2BSY/BANC-stadium2.jpeg</image:loc>
      <image:title>NEWS - Banc of California Snags Naming Rights for L.A. Football Club Soccer Stadium</image:title>
      <image:caption>Francisco “Tiny” Picos leads a cheer by the Black Nation soccer fans for the Los Angeles Football Club before the ground breaking and naming rights ceremony. (Mark Boster / Los Angeles Times )</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e791904e8a3c203e81a26a7/1596482219118-SSUK88CXYU3PAMQFO30D/BANC-stadium.jpg</image:loc>
      <image:title>NEWS - Banc of California Snags Naming Rights for L.A. Football Club Soccer Stadium</image:title>
      <image:caption>Excavating machinery on the grounds where the new stadium that will house the Los Angeles Football Club soccer team. (Mark Boster / Los Angeles Times )</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/news/los-angeles-football-club-announces-partnership-with-banc-of-california-300316927</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-07-14</lastmod>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/news/la-fi-himi-sugarman-20160727-snap-story</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-07-14</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e791904e8a3c203e81a26a7/1585242336755-BFG90WOSVA2RW65POUES/image-asset.jpeg</image:loc>
      <image:title>NEWS - L.A Times: O.C. Bank’s Young CEO has Long Resume, Stellar Credentials</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/news/what-it-means-to-be-californias-bank</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-08-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e791904e8a3c203e81a26a7/1592439474332-DZCKP75ETKA5CCHXU4TE/BancPhoto4.jpg</image:loc>
      <image:title>NEWS - What It Means To Be ‘California’s Bank’</image:title>
      <image:caption>In the aftermath of a tumultuous recession, there’s a renewed need for small business lending. The question is: will this California model stay stable?</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e791904e8a3c203e81a26a7/1592439407293-CJTRN1RWUMEU9V0FZHT5/BancPhoto5.jpg</image:loc>
      <image:title>NEWS - What It Means To Be ‘California’s Bank’</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/news/banc-of-california-assets-near-83-billion</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-07-14</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e791904e8a3c203e81a26a7/1585243057638-7LUDHHT4Y15DHG9V4V6N/image-asset.jpeg</image:loc>
      <image:title>NEWS - Banc of California Assets Near $8.3 Billion</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/news/banc-of-california-named-as-bank-of-la-olympic-bid-55517</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-07-14</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e791904e8a3c203e81a26a7/1596485706292-6KGPI4TWRRT74MP7ZUG3/banc-la2024-awarded.jpeg</image:loc>
      <image:title>NEWS - Banc of California Named as Bank for LA Olympic Bid</image:title>
      <image:caption>LA Olympic Committee The 2028 Olympics is officially awarded to LA.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e791904e8a3c203e81a26a7/1596485665441-324EUUTI8ONRFTMHHYAU/banc-LA2024.jpeg</image:loc>
      <image:title>NEWS - Banc of California Named as Bank for LA Olympic Bid</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/news/los-angeles-2024-olympic-bid-committee-teams-up-with-banc-of-california-300214865</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-07-14</lastmod>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/news/banc-california-named-forbes-magazines-2016-list</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-07-14</lastmod>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/news/banc-california-named-forbes-magazines-2016-lis</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-07-14</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e791904e8a3c203e81a26a7/1585243645076-R1RV1ENJYGQ5WYV8SO1Y/image-asset.jpeg</image:loc>
      <image:title>NEWS - Forbes Magazine’s 2016 List of the 100 Best Banks in America</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/news/steve-sugarman-of-banc-of-california-announces-new-commitment-to-action-cgi-america-2015</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-08-03</lastmod>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/news/banc-california-plans-200-million-community-invest</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-07-14</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e791904e8a3c203e81a26a7/1585244800756-WEHYM5AVLQPYR51Q0AK1/image-asset.jpeg</image:loc>
      <image:title>NEWS - Banc of California Plans $200 Million Community Investment Fund</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/news/banking-boldly-through-jewish-ethics-170039</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-07-14</lastmod>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/news/special-report-sizing-up-la</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-08-04</lastmod>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/news/banc-california-san-diego-state-university-athletics</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-07-14</lastmod>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/news/banc-california-focuses-financial-literacy-part-usc</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-07-14</lastmod>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/news/la-fi-stock-spotlight-banc-california-20140505-story</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-07-14</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e791904e8a3c203e81a26a7/1596494157431-08QBJAE7RC6Q8VR8GDTG/sugarman.jpeg</image:loc>
      <image:title>NEWS - Banc of California Sees Growth in Serving Small, Medium-size Firms</image:title>
      <image:caption>“A key element of economic recovery are the businesses that have the growth opportunities that need the financing to grow and hire new people,” says Steven Sugarman. chief executive of Irvine-based Banc of California.(Katie Falkenberg, Los Angeles Times)</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/news/banc-of-california-announces-investment-in-clearinghouse-cdfi</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-03-03</lastmod>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/news/banc-of-california-mergers-amp-acquisitions-cs-financial</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-08-04</lastmod>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/news/banc-of-california-announces-launch-of-the-banc-of-california-foundation</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-08-04</lastmod>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/news/first-pactrust-names-sugarman-ceo</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-08-04</lastmod>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/news/pactrust-bancorp-names-steven-a-sugarman-chief</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-07-14</lastmod>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/news/new-ceo-firstpactrust</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-07-14</lastmod>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/news/legent-clearing-renamed-cor-clearing</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-07-14</lastmod>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/news/a-first-pactrust-investor-jumps-into-c-suite-to-scout-deals</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-07-14</lastmod>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/news/cor-securities-acquires-legent-clearing</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-07-14</lastmod>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/news/cor-securities-acquires-clearing-firm</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-07-14</lastmod>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/news/cor-securities-holdings-acquires-legent-clearing-llc</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-07-14</lastmod>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/news/private-equity-firms-spending-spree-continues-41358</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-07-14</lastmod>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/publications</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2024-08-13</lastmod>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/publications/private-equity-and-insurance-companies-piling-into-residential-mortgages</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-08-13</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e791904e8a3c203e81a26a7/6d1707a9-31ce-4e50-beca-c9b5b6643c15/PE_insurance_The_Change.png</image:loc>
      <image:title>PUBLICATIONS - Private equity and insurance companies piling into residential mortgages - Make it stand out</image:title>
      <image:caption>Many investors appear to believe the mortgage market currently presents a unique opportunity to capitalize on low risk-based capital charges, attractive yields, extended cash flows, and enhanced liquidity. As other traditional loan products like CRE and C&amp;I loans face increased risks and regulatory burdens, the strategic shift towards residential mortgages is resulting in increased demand and more attractive pricing for non-QM mortgages.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/publications/its-a-new-day-for-lenders-serving-minority-and-low-income-communities</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-08-13</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e791904e8a3c203e81a26a7/17fd0846-afbc-4d8e-9983-ce658e7b6245/LMI-new-day.png</image:loc>
      <image:title>PUBLICATIONS - It's a new day for lender serving minority and low-income communities - Make it stand out</image:title>
      <image:caption>The Treasury for the first time specified what it believes to be Responsible Lending Practices (RLPs) – providing clear standards that responsible lenders can point to when serving the underbanked.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/publications/cdfi-fact-sheet</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-01-31</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e791904e8a3c203e81a26a7/16b2fd64-9f47-4b94-9e03-48d783691a68/image-asset.png</image:loc>
      <image:title>PUBLICATIONS - CDFI Fact Sheet - Make it stand out</image:title>
      <image:caption>Rev. Everett Bell, Jr. , Chair of Change’s Community Advisory Board, stated, “The Community Advisory Board is pleased that the U.S. Treasury and Change have an agreement-in-principle that quickly resolves the misunderstanding.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/publications/cfpb-must-end-use-of-hmda-data-to-dox-consumers</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e791904e8a3c203e81a26a7/647cc6e0-e8f2-4f10-bb58-cbb11d528e12/CFPB-MustEndUse-HMDA-DataDoxConsumers.png</image:loc>
      <image:title>PUBLICATIONS - CFPB Must End Use of HMDA Data to Dox Consumers</image:title>
      <image:caption>For instance, Barron’s analysis commingled HMDA data with unsourced, TMZ-style information scraped from the internet. Barron’s questioned a minority borrower’s self-identified ethnicity based on a social media post indicating the borrower had some ancestors who were from Eastern Europe.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/publications/are-bidens-housing-regulators-failing-black-homeowners</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e791904e8a3c203e81a26a7/718ff5d0-883c-48b1-8458-c64fbc539ae8/Failing_Black_Homeowners.png</image:loc>
      <image:title>PUBLICATIONS - Are Biden's Housing Regulators Failing Black Homeowners?</image:title>
      <image:caption>Before even taking office, these leaders spoke of the structural inequalities and even racism in housing.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/publications/treasury-makes-shocking-decision-to-exclude-disabled-americans-from-cdfi-program</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-02-13</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e791904e8a3c203e81a26a7/76c5b151-f426-4997-80f1-752b88d88acc/USTreasury-Excludes-Disabled-Americans.png</image:loc>
      <image:title>PUBLICATIONS - Treasury makes shocking decision to exclude disabled Americans from CDFI program</image:title>
      <image:caption>Due to Change’s passion to serve Disabled veterans, Change is being forced by the CDFI Fund to choose between lending to disabled veterans and losing its CDFI certification.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/publications/the-time-has-come-for-investment-in-residential-mortgages</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-05-15</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e791904e8a3c203e81a26a7/b758fff2-9e07-486f-8664-b8613a364821/time-has-come-carlos-salas.jpg</image:loc>
      <image:title>PUBLICATIONS - The Time Has Come for Investment in Residential Mortgages</image:title>
      <image:caption>Direct investment in mortgages is materially different from investing in REITs or MBSs from a risk and return standpoint. REITs are investment vehicles that own and operate income-generating real estate properties, while MBSs are securities that represent a pool of mortgage loans.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/publications/has-the-fantasy-of-relationship-banking-been-exposed</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-04-20</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e791904e8a3c203e81a26a7/a1b82ceb-d9b6-43de-a93f-db4dde306ece/dollar.png</image:loc>
      <image:title>PUBLICATIONS - Has The Fantasy of Relationship Banking Been Exposed?&amp;nbsp;</image:title>
      <image:caption>When banks select loans from the broadest set of applicants and select the most credit-worthy loans, their portfolios are safer.      — Steven Sugarman</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/publications/is-capital-haul-too-much-of-a-good-thing-for-black-run-banks</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-05-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e791904e8a3c203e81a26a7/1593722583275-D57OR8A8B7TW6FIVPCD0/SS_shortlivedpop.jpg</image:loc>
      <image:title>PUBLICATIONS - Is capital haul too much of a good thing for Black-run banks?</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/publications/speech-to-the-national-diversity-coalition</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-05-10</lastmod>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/publications/blog-post-title-two-h2tn7</loc>
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    <priority>0.5</priority>
    <lastmod>2023-04-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e791904e8a3c203e81a26a7/1591858479551-R5QDW39L8AMWJ2AVNPKY/photo-1557160854-e1e89fdd3286.jpg</image:loc>
      <image:title>PUBLICATIONS - Washington Needs to Rescue Community Lenders it Created</image:title>
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  </url>
  <url>
    <loc>https://www.sugarmaninc.com/publications/bankthink-atm-fees-drag-down-people-on-public-assistance</loc>
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    <priority>0.5</priority>
    <lastmod>2023-04-18</lastmod>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/publications/the-forewarned-investor</loc>
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    <priority>0.5</priority>
    <lastmod>2023-05-10</lastmod>
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  </url>
  <url>
    <loc>https://www.sugarmaninc.com/portfolio</loc>
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    <priority>0.75</priority>
    <lastmod>2023-11-14</lastmod>
  </url>
  <url>
    <loc>https://www.sugarmaninc.com/portfolio/the-change-company-acquires-connect-escrow</loc>
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    <lastmod>2023-11-14</lastmod>
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