FHLBank San Francisco

We are one of the largest private, affordable housing grant providers in the nation.1

More than $1.3 billion in grants since 1990 have given 150,000 families and individuals a place to call home.2

Latest Updates


Meet our next CEO, Alanna McCargo, a national leader in financial services and affordable housing.


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

Thought Leadership

Teresa Bazemore speaks at University of Maryland’s Smith Enterprise Risk Consortium

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

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.


Privately capitalized,
member-owned cooperative.



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

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in affordable housing grants since 19902

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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 Impact

Honey Art Studio is creating brighter futures for Black youth and young adults by introducing them to career options in the creative arts. To help launch the studio, we provided a $25,000 AHEAD grant in partnership with CDFI member Community Vision Capital & Consulting.

Community Spotlight


Healing Power of Ancient Ingredients

The business that Chef Maria and her husband Brian are building is getting a big boost by having access ...

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Spirit of Resilience on Marvel Way

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

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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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08 May, 2024

Alanna McCargo Named President and Chief Executive Officer of the Federal Home Loan Bank of San Francisco

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15 May, 2024

FHLBank San Francisco Celebrates 20th Anniversary of AHEAD Grant Program with $4 Million for Economic Vitality Initiatives in Arizona, California, and Nevada

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16 Apr, 2024

FHLBank San Francisco Commits $13 Million to 2024 WISH Downpayment Assistance Grant Program, Boosting Homeownership Opportunities Across Region

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28 Mar, 2024

Banks boosting communities: How a behind-the-scenes partnership supports housing affordability and economic development

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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.