Bank Investment Patterns in the FHLBSF Cooperative
This brief examines the lending activity of FHLBSF-affiliated banks in California, Arizona and Nevada — a region of high housing demand, demographic diversity, and institutional variety in mortgage and consumer lending. Using data from the National Credit Union Administration (NCUA) and Federal Financial Institutions Examination Council (FFIEC) call reports, the analysis focuses on the most recent full year of available data to reflect current market conditions. Specifically, we explore how these bank members allocate lending across residential mortgages, commercial loans, revolving credit, and construction loans. This inquiry is particularly relevant in the wake of rising interest rates, changing homeownership patterns, and persistent housing supply challenges. By examining both loan composition and lending volume, this brief sheds light on the strategic positioning and equity implications of these FHLBSF bank members.
