Create Opportunities that Strengthen your Communities

One of the goals at the HLB is to improve the housing and economic opportunities available to families and communities. We recognize the connection between the strength of a community’s economy and its residents’ ability to afford safe, decent housing. Through our housing and community lending programs, members have access to the financing tools essential for creating a more prosperous environment. By supporting the start-up and growth of local businesses, you ensure that your communities experience steady economic growth. Together, we can continue to create opportunities that strengthen our communities.

Our attractive funding programs include:

Housing Programs

Affordable Housing Program (AHP)
First Home Clubsm (FHC)

Community Lending Programs (CLP)

Disaster Relief Funding: $250 Million Committed
CLP for Small Business Lending
Community Investment Program (CIP)
- Fresh Start Home Finance Program
Rural Development Advance (RDA)
Urban Development Advance (UDA)

CLP Advances are the lowest priced source of HLB funding provided to support home financing, housing, and commercial and economic development activities. 

For more information regarding any of the Housing and Community Lending Programs and how they can potentially help increase your profitability, enhance CRA performance, and improve your community visibility and public relations, please contact our Community Investment Department at (212) 441-6850.

New Products & Promotions

Reduced Pricing
Municipal Letters of Credit
Now MULOCs provide an even lower-cost, more efficient way to collateralize state, city, court, or local government (municipal) deposits.

Callable Advance
The Callable Advance was developed in consultation with our members to meet their changing liquidity needs.

Member Loan Connection
MLC service provides a communication exchange between our community- based member lenders who would like to sponsor or invest in loan participations with other HLB members.

Quick Links

Housing and Community Lending Quick Reference Guide

2011 AHAC Annual Report

CI News