FHLBank San Francisco

Reliable funding solutions to keep your local lender lending.

We provide our members a ready supply of competitively-priced funding, affordable housing and economic development grants, and credit products and solutions to help their communities thrive.

Latest Updates

News

FHLBank San Francisco Awards Extraordinary $61.8 Million in Affordable Housing Program Grants to Address Affordability Crisis in Region

Analysis

The Bank Term Funding Program ended on March 11, 2024. What is your exit strategy?

2024 Election of Directors

The Bank is accepting nominations for a California member director position and applications for two independent director positions now through July 25, 2024

FHLBank San Francisco helps deepen our toolbox to make things happen for our customers and the community.

Michael Lasher

President and CEO, Community Commerce Bank

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FHLBank San Francisco is a privately capitalized, member-owned, cooperative that offers reliable and competitively-priced liquidity to our member financial institutions. Members use our funding and resources to advance economic development and community resilience across our three-state region of Arizona, California, and Nevada.


 

Privately capitalized,
member-owned cooperative.

336

members

across banks, CDFIs, credit unions, insurance companies and saving institutions.3

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$1.3

billion

in affordable housing grants since 19902

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150k

places to call home

since 19902

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Member Products and Programs

As a FHLBank San Francisco member, you gain exclusive access to financial solutions, capital stock dividends, and other benefits designed for 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 Federal Home Loan Bank of San Francisco membership gives us a source of debt capital to further our mission, to do more lending, and to impact more people.

Douglas Bystry

President and CEO, Clearinghouse CDFI

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We wouldn't be what we are today without our relationship with Federal Home Loan Bank of San Francisco.

Michael Lasher

President and CEO, Community Commerce Bank

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Access to the Affordable Housing Program definitely is a big plus. It helps many Century borrowers and allows us to increase the value of our relationship with them in yet another way.

Alan Hoffman

SVP and Chief Financial Officer, Century Housing Corporation

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A WISH grant oftentimes is the difference between homeownership being just a dream rather than a reality.

Simone Lagomarsino

Former President and CEO at Luther Burbank Savings (now WaFed), current Community Impact Officer at Pacific Premier Bank

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Thanks to our membership with FHLBank San Francisco, Western Alliance Bank is able to be a larger participant in the mortgage business and better manage cyclical cash flows.

Ken Vecchione

Western Alliance Bank, President and CEO

Our Impact

FHLBank San Francisco’s voluntary Middle-Income Downpayment Assistance matching grant program is helping to make the dream of owning a home a reality for middle-income families and individuals. Explore the heartwarming story of how a $50,000 program grant helped a Native American family buy a Nevada home.

Community Spotlight

AHEAD

Finding Success in the Creative Arts

Honey Art Studio is creating brighter futures for Black youth and young adults in San Francisco with the support of an AHEAD economic ...

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AHP

Spirit of Resilience on Marvel Way

At a residential substance abuse treatment center like Reno’s The Empowerment Center (TEC), ...

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WISH

Doris Ealy Finds Home

Doris Ealy, 56, never felt comfortable renting a room under someone else’s roof. The single mother of four ...

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Newsroom

21 May, 2024

Impact Report: See how we are driving positive change for the communities we and our members serve and the people who make our work possible

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10 July, 2024

FHLBank San Francisco Awards $49.3 Million in Grants to California-Based Affordable Housing Groups

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10 July, 2024

FHLBank San Francisco Awards $3.1 Million in Grants to Arizona-based Affordable Housing Groups

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26 June, 2024

FHLBank San Francisco Awards $9.4 Million in Grants to Nevada-Based Affordable Housing Groups

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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.

  1. Federal Home Loan Bank San Francisco is part of the broader FHLBanks System of 11 regionally based, wholesale suppliers of lendable funds. FHLBanks are cooperatively owned by member financial institutions in all 50 states and U.S. territories.
  2. Figures as of 12/31/23; 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 pilot program for owner-occupied housing.
  3. Figure as of 12/31/23.