Amplify Credit Union Mortgage Lending & HMDA Data, 2022
In 2022, Amplify Credit Union of Austin, TX reported 3,179 mortgage applications totaling $1.3 billion, up 8% from 2021. The average application was for $408,280, and applicants reported an average income of $252,444. 67% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Austin-Round Rock, TX (1,983), Dallas-Plano-Irving, TX (405) and Houston-The Woodlands-Sugar Land, TX (338) (applications in parentheses).
| Mortgage Company & Address | Amplify Credit Union 3600 W Parmer Lane Austin, TX 78727 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 |
| Total Number of Mortgage Applications | 3,179 |
| Total Mortgage Loan Application Amount | $1,297,925,000 |
| Average Mortgage Loan Application Amount | $408,280 |
| Highest Mortgage Loan Application Amount | $7,695,000 |
| Average Applicant Income | $252,444 |
| Highest Applicant Income | $7,200,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Amplify Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Travis, Texas | 1,217 | $ 541,655,000 | $ 445,073 | $ 267,000 |
| Williamson, Texas | 559 | $ 139,795,000 | $ 250,080 | $ 188,000 |
| Harris, Texas | 170 | $ 94,000,000 | $ 552,941 | $ 297,000 |
| Hays, Texas | 170 | $ 75,730,000 | $ 445,470 | $ 244,000 |
| Collin, Texas | 153 | $ 58,135,000 | $ 379,967 | $ 260,000 |
| Dallas, Texas | 134 | $ 69,710,000 | $ 520,223 | $ 290,000 |
| Tarrant, Texas | 107 | $ 45,465,000 | $ 424,906 | $ 284,000 |
| Denton, Texas | 97 | $ 37,395,000 | $ 385,515 | $ 361,000 |
| Montgomery, Texas | 63 | $ 31,045,000 | $ 492,777 | $ 274,000 |
| Fort Bend, Texas | 54 | $ 18,130,000 | $ 335,740 | $ 259,000 |
| Bell, Texas | 44 | $ 9,240,000 | $ 210,000 | $ 121,000 |
| Galveston, Texas | 39 | $ 14,585,000 | $ 373,974 | $ 310,000 |
| Comal, Texas | 34 | $ 14,390,000 | $ 423,235 | $ 282,000 |
| Burnet, Texas | 33 | $ 14,995,000 | $ 454,393 | $ 258,000 |
| Bastrop, Texas | 31 | $ 5,705,000 | $ 184,032 | $ 120,000 |
| Bexar, Texas | 28 | $ 11,670,000 | $ 416,785 | $ 230,000 |
| Nueces, Texas | 21 | $ 9,185,000 | $ 437,380 | $ 243,000 |
| Parker, Texas | 15 | $ 4,705,000 | $ 313,666 | $ 283,000 |
| El Paso, Texas | 14 | $ 3,410,000 | $ 243,571 | $ 205,000 |
| McLennan, Texas | 12 | $ 11,790,000 | $ 982,500 | $ 167,000 |
| Kendall, Texas | 11 | $ 8,285,000 | $ 753,181 | $ 342,000 |
| Llano, Texas | 11 | $ 5,675,000 | $ 515,909 | $ 394,000 |
| Guadalupe, Texas | 9 | $ 6,145,000 | $ 682,777 | $ 472,000 |
| Ellis, Texas | 8 | $ 8,920,000 | $ 1,115,000 | $ 268,000 |
| Gillespie, Texas | 7 | $ 5,595,000 | $ 799,285 | $ 383,000 |
| Caldwell, Texas | 6 | $ 2,530,000 | $ 421,666 | $ 89,000 |
| Kaufman, Texas | 6 | $ 720,000 | $ 120,000 | $ 95,000 |
| Blanco, Texas | 5 | $ 2,115,000 | $ 423,000 | $ 196,000 |
| Grayson, Texas | 5 | $ 1,395,000 | $ 279,000 | $ 135,000 |
| Hidalgo, Texas | 5 | $ 425,000 | $ 85,000 | $ 109,000 |
| Rockwall, Texas | 5 | $ 1,195,000 | $ 239,000 | $ 225,000 |
| Aransas, Texas | 4 | $ 2,810,000 | $ 702,500 | $ 454,000 |
| Brazoria, Texas | 4 | $ 580,000 | $ 145,000 | $ 231,000 |
| Cameron, Texas | 4 | $ 1,680,000 | $ 420,000 | $ 57,000 |
| Grimes, Texas | 4 | $ 2,360,000 | $ 590,000 | $ 260,000 |
| Johnson, Texas | 4 | $ 360,000 | $ 90,000 | $ 204,000 |
| Kerr, Texas | 4 | $ 990,000 | $ 247,500 | $ 153,000 |
| Waller, Texas | 4 | $ 1,340,000 | $ 335,000 | $ 228,000 |
| Brazos, Texas | 3 | $ 695,000 | $ 231,666 | $ 238,000 |
| Fayette, Texas | 3 | $ 1,415,000 | $ 471,666 | $ 217,000 |
| Hood, Texas | 3 | $ 1,585,000 | $ 528,333 | $ 231,000 |
| Liberty, Texas | 3 | $ 1,295,000 | $ 431,666 | $ 155,000 |
| Polk, Texas | 3 | $ 845,000 | $ 281,666 | $ 251,000 |
| Smith, Texas | 3 | $ 1,055,000 | $ 351,666 | $ 250,000 |
| Taylor, Texas | 3 | $ 265,000 | $ 88,333 | $ 357,000 |
| Victoria, Texas | 3 | $ 495,000 | $ 165,000 | $ 63,000 |
| Gregg, Texas | 2 | $ 100,000 | $ 50,000 | $ 102,000 |
| Hill, Texas | 2 | $ 180,000 | $ 90,000 | $ 151,000 |
| Hopkins, Texas | 2 | $ 2,350,000 | $ 1,175,000 | $ 92,000 |
| Hunt, Texas | 2 | $ 450,000 | $ 225,000 | $ 91,000 |
| Jefferson, Texas | 2 | $ 50,000 | $ 25,000 | $ 89,000 |
| Jim Wells, Texas | 2 | $ 110,000 | $ 55,000 | $ 139,000 |
| Karnes, Texas | 2 | $ 4,070,000 | $ 2,035,000 | $ 0 |
| Randall, Texas | 2 | $ 1,130,000 | $ 565,000 | $ 432,000 |
| Washington, Texas | 2 | $ 1,330,000 | $ 665,000 | $ 267,000 |
| Wilson, Texas | 2 | $ 1,060,000 | $ 530,000 | $ 215,000 |
| Pasco, Florida | 1 | $ 515,000 | $ 515,000 | $ 231,000 |
| Bandera, Texas | 1 | $ 375,000 | $ 375,000 | $ 356,000 |
| Brown, Texas | 1 | $ 55,000 | $ 55,000 | $ 37,000 |
| Camp, Texas | 1 | $ 155,000 | $ 155,000 | $ 78,000 |
| Chambers, Texas | 1 | $ 245,000 | $ 245,000 | $ 75,000 |
| Cherokee, Texas | 1 | $ 125,000 | $ 125,000 | $ 183,000 |
| Colorado, Texas | 1 | $ 45,000 | $ 45,000 | $ 12,000 |
| Coryell, Texas | 1 | $ 245,000 | $ 245,000 | $ 165,000 |
| Duval, Texas | 1 | $ 45,000 | $ 45,000 | $ 16,000 |
| Ector, Texas | 1 | $ 255,000 | $ 255,000 | $ 835,000 |
| Falls, Texas | 1 | $ 125,000 | $ 125,000 | $ 276,000 |
| Hardin, Texas | 1 | $ 105,000 | $ 105,000 | $ 103,000 |
| Harrison, Texas | 1 | $ 425,000 | $ 425,000 | $ 283,000 |
| Henderson, Texas | 1 | $ 745,000 | $ 745,000 | $ 283,000 |
| Hockley, Texas | 1 | $ 25,000 | $ 25,000 | $ 55,000 |
| Limestone, Texas | 1 | $ 105,000 | $ 105,000 | $ 206,000 |
| Lubbock, Texas | 1 | $ 105,000 | $ 105,000 | $ 195,000 |
| Matagorda, Texas | 1 | $ 175,000 | $ 175,000 | $ 322,000 |
| Medina, Texas | 1 | $ 65,000 | $ 65,000 | $ 177,000 |
| Midland, Texas | 1 | $ 105,000 | $ 105,000 | $ 149,000 |
| Milam, Texas | 1 | $ 5,000 | $ 5,000 | $ 34,000 |
| Navarro, Texas | 1 | $ 135,000 | $ 135,000 | $ 61,000 |
| Potter, Texas | 1 | $ 1,875,000 | $ 1,875,000 | $ 0 |
| Robertson, Texas | 1 | $ 25,000 | $ 25,000 | $ 88,000 |
| San Patricio, Texas | 1 | $ 25,000 | $ 25,000 | $ 37,000 |
| San Saba, Texas | 1 | $ 55,000 | $ 55,000 | $ 107,000 |
| Titus, Texas | 1 | $ 4,715,000 | $ 4,715,000 | $ 0 |
| Tom Green, Texas | 1 | $ 75,000 | $ 75,000 | $ 26,000 |
| Upshur, Texas | 1 | $ 45,000 | $ 45,000 | $ 75,000 |
| Van Zandt, Texas | 1 | $ 465,000 | $ 465,000 | $ 144,000 |
| Wharton, Texas | 1 | $ 2,725,000 | $ 2,725,000 | $ 0 |
| Wichita, Texas | 1 | $ 105,000 | $ 105,000 | $ 38,000 |
| Wise, Texas | 1 | $ 895,000 | $ 895,000 | $ 208,000 |
| Wood, Texas | 1 | $ 405,000 | $ 405,000 | $ 168,000 |
Mortgage Loan Application Detail Totals for Amplify Credit Union in 2022
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 885 | $673,695,000 | $761,000 | $7,695,000 | $333,000 | $2,940,000 |
| Home Improvement | 778 | $146,710,000 | $188,000 | $1,545,000 | $210,000 | $1,519,000 |
| Other Purpose | 652 | $121,750,000 | $186,000 | $3,005,000 | $197,000 | $7,200,000 |
| Cash-out Refinancing | 461 | $171,135,000 | $371,000 | $3,675,000 | $229,000 | $2,442,000 |
| Refinancing | 403 | $184,635,000 | $458,000 | $2,865,000 | $274,000 | $1,443,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 1,934 | $797,890,000 | $412,000 | $7,695,000 | $266,000 | $7,200,000 |
| Not Provided | 425 | $189,995,000 | $447,000 | $2,365,000 | $264,000 | $2,442,000 |
| Asian | 364 | $148,520,000 | $408,000 | $2,995,000 | $223,000 | $1,013,000 |
| Hispanic | 287 | $80,205,000 | $279,000 | $2,365,000 | $200,000 | $935,000 |
| Black or African American | 90 | $28,450,000 | $316,000 | $1,285,000 | $206,000 | $875,000 |
| Not applicable | 23 | $29,295,000 | $1,273,000 | $6,975,000 | $0 | $0 |
| American Indian or Alaskan Native | 16 | $6,560,000 | $410,000 | $1,205,000 | $265,000 | $479,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $180,000 | $90,000 | $105,000 | $112,000 | $119,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 3,176 | $1,297,370,000 | $408,000 | $7,695,000 | $252,000 | $7,200,000 |
| VA-guaranteed (Veterans Administration) | 2 | $100,000 | $50,000 | $55,000 | $86,000 | $120,000 |
| FHA-insured (Federal Housing Administration) | 1 | $455,000 | $455,000 | $455,000 | $144,000 | $144,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 2,122 | $947,620,000 | $446,000 | $7,695,000 | $271,000 | $2,940,000 |
| Application Denied By Financial Institution | 538 | $123,350,000 | $229,000 | $3,335,000 | $193,000 | $7,200,000 |
| Application Withdrawn By Applicant | 458 | $207,990,000 | $454,000 | $3,005,000 | $240,000 | $1,780,000 |
| File Closed For Incompleteness | 51 | $17,635,000 | $345,000 | $1,305,000 | $222,000 | $765,000 |
| Application Approved But Not Accepted | 10 | $1,330,000 | $133,000 | $255,000 | $242,000 | $618,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 2,641 | $1,174,575,000 | $444,000 | $7,695,000 | $264,000 | $2,940,000 |
| Debt-To-Income Ratio | 172 | $53,790,000 | $312,000 | $3,005,000 | $122,000 | $482,000 |
| Collateral | 110 | $17,480,000 | $158,000 | $1,505,000 | $209,000 | $1,519,000 |
| Other | 105 | $22,315,000 | $212,000 | $2,005,000 | $299,000 | $7,200,000 |
| Credit History | 99 | $16,365,000 | $165,000 | $2,125,000 | $164,000 | $903,000 |
| Credit Application Incomplete | 32 | $5,710,000 | $178,000 | $665,000 | $203,000 | $450,000 |
| Employment History | 12 | $3,060,000 | $255,000 | $1,115,000 | $143,000 | $330,000 |
| Unverifiable Information | 6 | $1,120,000 | $186,000 | $455,000 | $162,000 | $419,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $3,510,000 | $1,755,000 | $3,335,000 | $1,381,000 | $2,633,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Amplify Credit Union's 2022 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Amplify Credit Union's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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