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

Since the launch of fee-free banking in 2022, Austin-based Amplify Credit Union has redefined what is possible for community-focused financial institutions. Amplify features zero account or transaction fees for more than 45,000 members across the State of Texas, as well as fee-free commercial banking services for its business and nonprofit members. Amplify also offers award-winning lending services, including builder and residential real estate loans, and provides loan servicing for more than 150 community financial institutions. The credit union has been recognized as an Austin Top Workplace for three consecutive years and was named one of the Top 100 Inspiring Workplaces in the U.S. in 2026. Learn more at www.goamplify.com.