Impact in Communities Across the Country
The Federal Home Loan Banks were built on a simple yet powerful idea: When local lenders have reliable access to funding, communities grow stronger. Established by Congress in 1932, the Federal Home Loan Bank System is a network of 11 regional, member-owned cooperatives that provide fully collateralized funding to approximately 6,300 financial institutions across the country. Keep reading to see the impact we made in 2025.
Providing Liquidity
For more than nine decades, we’ve been a stabilizing force supporting U.S. financial institutions, helping members make credit available across all economic cycles, including periods of market disruption.
Promoting Affordability
The Federal Home Loan Banks directly promote housing affordability and small business growth by working with our member institutions and community partners to expand access to funding for housing, homeownership, and local economic development.
Strengthening local economies and small businesses
“FHLBank advances can bridge the timing mismatches between funding needs and deposit flows for small farm lending, with credit demands concentrated around planting and harvest periods, while repayments occur after crop sales. Moreover, FHLBank advances support community development lending through providing long-term, fixed-rate funding that matches the characteristics of community development projects.” — Urban Institute
The Federal Home Loan Banks 2025 Impact Report tells the stories of impact that reflect their unique mission and measurable contributions. From small business support to disaster recovery response and investments in housing solutions, the report highlights how the Federal Home Loan Banks, through their members, help meet the needs of their communities.
