Participation Loans
Amplify Credit Union’s portfolio products help credit unions and community banks diversify their balance sheets and optimize liquidity.
Grow Your Balance Sheet
If you manage a financial institution and are looking for ways to leverage excess liquidity and increase revenue, Amplify’s loan participation program may be right for you. Here are a few of the reasons why community banks and credit unions choose to partner with us.
Leverage Liquidity
Leverage excess liquidity to generate loan interest income with Amplify.
Diversity Assets
Maintaining a diverse investment portfolio decreases volatility.
Manage Risk
Our 2026 delinquency rate of 0.36% on our loan portfolio sits far below our peers.
Best-in-Class Support
Receive dedicated, hands-on guidance from our experienced Loan Servicing and Investor Reporting staff.
Available Loan Products
Residential Non-Agency Arms
Below is an example of a recent pool. For more up-to-date information on our current loan participation offerings, please contact our team at [email protected].
| Product | Principal | LTV (Avg) | CLVT (Avg) | FICO (Avg) | DTI (Avg) | WAC |
| 5/6m ARM | $21.99M | 68.58 | 72.20 | 763.70 | 37.70 | 6.00 |
| 7/6m ARM | $25.95M | 68.86 | 70.58 | 764.00 | 33.85 | 6.07 |
| Total | $47.95M | 68.71 | 74.48 | 763.80 | 36.00 | 6.04 |
Last updated 6/30/2026
Opening More Doors
Not every credit union has loan participation as one of its core programs. But at Amplify, growth through partnerships is a core part of what makes our approach to lending special.
“The financial landscape has changed rapidly in the last decade, and that has left some credit unions and community banks looking to play catchup,” JC San Pedro, Amplify’s Chief Lending Officer, said. “With our loan participation program, we’re able to help our partners get more from their investments without adding unnecessary risk. This ensures a brighter future for any and all organizations that put the financial wellness of their customers first.”
And with 150+ investors across the country, Amplify is a powerful partner, no matter your size. To learn more, email our team at [email protected] or use the form below.
FAQs
Learn more about Amplify Credit Union and loan participation sales.
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Contact Us
Ready to learn more? Set up a discovery call with Scott Fehrenkamp, Amplify Credit Union’s Secondary Market Manager, by filling out this form.
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*The material herein is informational in nature and intended for distribution to business entities only. It is not intended for distribution to or use by consumers.
