Amplify Credit Union Grows Loan Participation Portfolio To 150+ Investors

Amplify Credit Union’s loan participation portfolio has grown to over 150 investors in 38 states from Florida to Alaska

AUSTIN, Texas – Today, Amplify Credit Union announced that its loan participation portfolio has grown to over 150 investors in the first half of the year. Under the guidance of JC San Pedro, the credit union’s new chief lending officer, Amplify has completed over $70M in loan sales in 2026 with an additional $55M currently out to market.

“Many financial institutions are looking for ways to diversify their balance sheets without adding unnecessary risk to their investments,” San Pedro said. “The success of our loan participation portfolio is a great example of how credit unions and community banks can work together to expand homeownership for their communities while improving the financial health of their organizations in the process.”

Loan participation plays an integral role in Amplify’s originate-sell-service model. In 2026, the monthly payment remittance for portfolio investors rose to over $20 million, ensuring that banks and credit unions across the country gain access to additional revenue streams in the real estate market. Amplify’s stringent origination guidelines also provide a guarantee of quality to investors, with a delinquent rate of only 0.36% on over $1.47B in third-party loans.

“Amplify Credit Union has been an outstanding partner to Capitol Credit Union for over eight years,” Pierre Cardenas, CEO of Capitol Credit Union, said. “Their ability to deliver high-quality real estate loan solutions that align with our strategic growth objectives has made them an important part of our lending strategy. The process is streamlined and seamless, allowing us as a $235M institution to fully and confidently leverage their participation program.”

Looking ahead to the second half of 2026, San Pedro hopes to see Amplify double its number of investors. “We may be based in Texas, but our current portfolio includes investors in 38 states from Alaska to Florida,” San Pedro said. “Our door is always open to any community bank or credit union that is seeking out new avenues for profitability.”

If you would like to learn more about loan participation at Amplify Credit Union, please contact Amplify’s loan participation team at [email protected].

About Amplify Credit Union

Amplify Credit Union offers fee-free banking and award-winning lending to anyone who lives or works in Texas. In 1967, the organization was founded as the credit union for IBM employees in Austin. Today, it provides digital-first banking and lending services to over 47,000 members, including home loans, checking & savings accounts, commercial lending and more. In addition, Amplify has been named a Top Workplace in Austin for three years in a row, and this year was named a Top 50 Workplace in the USA. The organization is rooted in its mission to improve the financial lives of its members and uses the proceeds from that to provide a safe place to call home for those without. Join us at www.goamplify.com. Insured by NCUA.