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The Federal Home Loan Bank of San Francisco is our lender of first resort
Christopher MatternManaging Director & Treasurer, East West Bank
FHLBank San Francisco is a privately capitalized, member-owned, cooperative that offers reliable and competitively-priced liquidity to our member financial institutions. Members use the funding and resources provided by their membership to advance economic development and community resilience across our three-state region of Arizona, California, and Nevada.
Member Products and Programs
As a FHLBank of San Francisco member, you gain exclusive access to financial solutions, capital stock dividends, and other benefits designed to in your community.Liquidity and Advances
Flexible funding options including advances and letters of credit, designed to meet liquidity needs, manage costs, and reduce risk.
Community Grant Programs
Use our affordable housing and economic development grant programs to build stronger communities and support lower-income families, first-time homebuyers, and local economic initiatives.
Discounted Credit Programs
Access our discounted Community Investment Program and Advances for Community Enterprise credit products to help finance projects that benefit low- to moderate-income communities. Ideal for affordable housing, homeownership, and revitalization efforts.
Our Impact
Rising housing costs have made homeownership unattainable for many middle‑income families. For John, a Phoenix‑area resident, disciplined saving and guidance from TruWest Credit Union opened the door to homeownership with support from the FHLBank San Francisco Middle‑Income Downpayment Assistance Program.
Video Transcript
Graphic (TRT 0:04): Hope for Veterans and the Unhoused at Estrella Springs Santa Ana, California. FHLBank San Francisco logo appears.
Franz Washington, formerly unhoused veteran: Now, I can do this. (Franz shakes his house keys). I got a place to live. I can sleep at night. I can wash. Brush my teeth. And don’t have to look on my back, because I can lock the doors. I don’t have to deal with the problems of being homeless no more. Every unit comes with a bed, a couch, a refrigerator and pots, pans. So, you cannot beat that.
Graphic (TRT 0:40): Jamboree Housing’s Estrella Springs in Santa Ana was supported by an $890,000 Affordable Housing Program grant from FHLBank San Francisco.
Graphic (TRT 0:47): FHLBank San Francisco is a privately capitalized member-owned, cooperative that provides reliable liquidity and grants for affordable housing and economic development to member financial institutions in Arizona, California, and Nevada.
Graphic (TRT 0:53): Learn more about FHLBank San Francisco’s Affordable Housing Program grants at FHLBSF.com.
Graphic (TRT 0:56): FHLBank San Francisco living line logo graphic moves across screen with copy that reads, “Housing,” “Liquidity,” “Community”.
Graphic (TRT 1:02): FHLBank San Francisco logo appears, and then dissolves.
Video ends
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Come for the Purpose. Stay for the People.Join FHLBank San Francisco to help us drive economic and community development to make a difference in our region.
- Figure as of 12/31/25.
- Actual figure is $1.46 billion as of 12/31/25; includes grants awarded by the AHP General Fund and AHP Nevada Targeted Fund for income restricted rental units and by the WISH Program and Middle-Income Downpayment Assistance program (launched in 2023) for owner-occupied housing.
- Actual figure is more than 157,534 as of 12/31/25; includes grants awarded by the AHP General Fund and AHP Nevada Targeted Fund for income restricted rental units and by the WISH Program and Middle-Income Downpayment Assistance program (launched in 2023) for owner-occupied housing.
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