Credit Products

The HLB offers a wide array of credit products to help you meet your liquidity needs, manage interest-rate risk, support asset/liability management, and help you achieve a competitive advantage in your markets. Advances are offered in terms of overnight to 30 years at fixed, variable and adjustable rates.

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Mortgage Partnership Finance® Program

The Mortgage Partnership Finance Program (MPF®) has been the answer for many of our members in this unprecedented mortgage market.

The MPF program is a nationally recognized mortgage program that combines the local credit expertise of community banks with the funding expertise of the Federal Home Loan Banks, resulting in a financially rewarding and more efficient way to sell mortgage loans. Participating members are able to preserve their customer credit relationships while shifting the interest-rate and prepayment risks to the HLB.

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Correspondent Services

The HLB offers a comprehensive array of banking and cash management services that can maximize your earnings potential while enhancing the efficiency of your daily in-house cash management operations. Improve operational efficiency by cutting costs and avoiding needless paperwork. Make the best use of your funds quickly as market opportunities arise.

The HLB knows the challenges you face and offers services that provide you with competitive pricing, superior customer service, and the commitment to enhancing your bottom line.

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Housing & Community Lending Programs

As an HLB member, you have access to some of the nation's most important housing and community development programs available. Through grants, subsidized and reduced-rate advances, and Letters of Credit, your institution can take advantage of the various housing and community development programs available to expand growth in your own communities.

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New Products & Promotions

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.