# Federal Home Loan Bank of San Francisco

Federal Home Loan Bank of San Francisco is a Government-Sponsored Enterprise based in San Francisco, United States.

## Overview

- **Organization type:** Government-Sponsored Enterprise
- **Headquarters:** San Francisco, United States
- **Region:** North America
- **Address:** San Francisco, CA, United States
- **Founded:** 1932
- **Assets under management:** Undisclosed
- **Website:** www.fhlbsf.com
- **LinkedIn:** https://www.linkedin.com/company/federal-home-loan-bank-of-san-francisco

## Regulatory record

- **Reports private funds:** No

## About

The Federal Home Loan Bank of San Francisco is a member-driven cooperative. It provides funding to financial institutions in the housing and economic development sectors. The bank serves member banks, credit unions, insurance companies, and savings institutions in Arizona, California, and Nevada.

## Sectors

- Real Estate
- Financial Services

## Offices

- Oakland
- Atlanta

## Questions

### How does FHLBank San Francisco generate returns for its members?

FHLBank San Francisco is a cooperative: its members own the bank and receive dividends based on their stock holdings. The bank does not generate returns for outside investors or family offices. Its income comes from the spread between the cost of its debt issuance and the interest earned on advances and investments.

### What types of financial institutions can become members of FHLBank San Francisco?

Membership is open to federally insured depository institutions – banks, credit unions, and thrifts – as well as insurance companies headquartered in Arizona, California, or Nevada. Members must purchase stock in the bank.

### Does FHLBank San Francisco make direct equity investments in companies?

No. FHLBank San Francisco does not make equity investments, venture capital commitments, or direct private equity deals. Its lending products are limited to secured advances, mortgage purchase programs, and letters of credit.

### What is the AHEAD Grant program and how much has been committed?

The AHEAD (Access to Housing and Economic Advancement for Development) Grant program provides funding for affordable housing and community economic development projects. In 2024, FHLBank San Francisco committed $10 million to the program through 2026 (per the firm, 2024).

### How is FHLBank San Francisco regulated?

The bank is regulated by the Federal Housing Finance Agency (FHFA) under the Federal Home Loan Bank Act. It is not a private entity; its operations, risk management, and executive compensation are subject to federal oversight.

### What is the Mortgage Partnership Finance program?

The Mortgage Partnership Finance (MPF) program is a mortgage purchase initiative managed out of the Atlanta office that allows FHLBank San Francisco to purchase mortgages from its members, providing them with liquidity while retaining some credit risk.

## Related profiles

- [FoodChain ID Group](https://altss.com/profile/foodchain-id-group)
- [Fluent Ventures](https://altss.com/profile/fluent)

---

Last updated: 2026-07-10T23:19:45.000Z

Canonical page: https://altss.com/profile/federal-home-loan-bank-of-san-francisco

Maintained by Altss — https://altss.com — methodology: https://altss.com/methodology