# Amplify

> **Canonical URL:** https://saferate.com/lenders/amplify


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Amplify is a credit union, headquartered in Austin, TX, with 120 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 41% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 51% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300T7QCXC3PXO0W07
- **Headquarters:** Austin, TX
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** TX
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 59/100
- Rating: ●●●○○ (3/5)

### Pull Through: Sound ☺️
- Score: 49/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.047%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,429
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 120
- **Dollar Volume:** $47 million
- **Applications Received:** 165
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $388,167
- **Average Borrower Income:** $210,683
- **Average Property Value:** $551,417

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 32/100 | 96 | +0.072% | $2,325 | Acceptable 🙂 |
| FHA | 51/100 | 18 | -0.174% | $2,666 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 76 loans, Score: 32/100 (Acceptable)
- Refinance: 20 loans, Score: 34/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 35/100 | 98 | $39M | -0.029% | Acceptable 🙂 |
| Refinance | 36/100 | 22 | $8M | +0.420% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 120 | 0.03% | 67/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Austin | TX | 75 | 73/100 |
| Houston | TX | 16 | 48/100 |

## Where This Lender Ranks

Amplify appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Austin for FHA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/austin/best-mortgage-lenders/credit-unions/fha-loans)
- 🏆 **#4** in Austin Credit Unions
  - [View Full Rankings](https://saferate.com/austin/best-mortgage-lenders/credit-unions)
- 🏆 **#4** in Austin for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/austin/best-mortgage-lenders/credit-unions/conventional-loans)

## Frequently Asked Questions

### What loan types does Amplify offer?

Amplify offers the following mortgage loan types: FHA, Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Amplify offer mortgages?

Amplify offers mortgages in 1 states: TX.

### How competitive are Amplify's mortgage rates?

Amplify has a pricing score of 59/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.047% above market average.

### What type of lender is Amplify?

Amplify is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Austin, TX.

### What is Amplify's loan approval success rate?

Amplify has a pull-through score of 49/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/amplify

### How to Cite

> "Amplify Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/amplify

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**[View Interactive Profile →](https://saferate.com/lenders/amplify)**