The Federal Home Loan Bank System
A system of 11 regional cooperative banks providing a stable source of liquidity for housing and community investment across the United States.
Banks
Explore the Regional Banks
The FHLBank System is divided into 11 districts, each with its own bank. Click on a bank below to see its details and how its total assets compare to others in the system.
FHLBank Districts
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Details will appear here.
Core Services & Purpose
The primary mission of the FHLBanks is to provide financial institutions with the resources they need to support housing finance and community development.
Liquidity and Advances
FHLBanks provide low-cost funding, known as "advances," to their members. This reliable source of liquidity helps institutions lend to their communities, manage interest-rate risk, and meet customer needs even in times of market stress.
Affordable Housing Programs
Each FHLBank sets aside 10% of its net income for its Affordable Housing Program (AHP). These funds are awarded to members to help finance the purchase, construction, or rehabilitation of housing for low- to moderate-income households.
Community Investment
Beyond the AHP, banks offer various Community Investment Programs (CIP) that provide advances for financing small businesses, rural development, and other targeted community needs, fostering local economic growth.
System Structure
The FHLBank System operates as a government-sponsored enterprise within a structure established by Congress and overseen by a federal regulator.
U.S. Congress
Created the FHLBank System in 1932
Federal Housing Finance Agency (FHFA)
Independent federal regulator providing oversight
11 Federal Home Loan Banks
Regional cooperatives providing services
Member Institutions
~6,500 Banks, Credit Unions, Insurance Co's, etc. (Owners of the cooperatives)