Applications / Mortgage Analytics / Lenders / Texas / Amplify Credit Union
Austin, TX · Credit union · NCUA · $1.3 billion assets · 547 loans in 2025
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547
loans originated, 2025
770
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Amplify Credit Union is an Austin credit union lending mostly for home improvement, with loans much larger than similar lenders' and 27% more of them in 2025 than in 2024.
Home improvement made up 44.4% of its loans and other purposes 21.6%; refinances were 17.4% and purchases 16.6%. Its typical loan, $195,000, was larger than at about nine in ten similar lenders (credit unions making between half and twice as many loans), whose typical loan was $105,000, and jumbo loans (larger than the conforming limit) were 7.9%, against 0.6%.
Originations rose 27%, from 430 to 547, against 6% at similar lenders and 10% for the whole market. Dollar volume rose from $98.0 million to $148.8 million. It lends in one state, Texas, across 18 metros.
Majority-minority areas took 28.9% of its loans, against 10.5% at peers. LMI (low- and moderate-income) borrowers took 16.1%, against 27.4%, lower than at most peers, though up from 12.8% in 2024; one possible reason is its larger loans, which tend to go to higher-income households.
In Austin-Round Rock-San Marcos, where it has lent since before 1990, it ranked 54 of 753 lenders with 0.4% of the market, up 0.1 points. Its shares in Houston and San Antonio were very small.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Amplify Credit Union took 770 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 44.4% · Other 21.6% · Refinance 17.4% · Purchase 16.6%
Conventional 98.7% · FHA 1.3% · of 547 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Texas | 547 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Austin-Round Rock-San Marcos | 371 |
| Houston-Pasadena-The Woodlands | 68 |
| Dallas-Plano-Irving | 34 |
| San Antonio-New Braunfels | 15 |
| Fort Worth-Arlington-Grapevine | 12 |
| College Station-Bryan | 5 |
| Killeen-Temple | 5 |
| Corpus Christi | 3 |
| El Paso | 3 |
| Abilene | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300T7QCXC3PXO0W07 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 583286 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 518304 | 1990–2015 |
| Respondent ID (the HMDA filer code before 2018) | 568681 | 2016–2017 |
Established 1 January 1967. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Amplify Credit Union's data.
Amplify Credit Union's data
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Amplify Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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