Quick Fact
Our Letters of Credit product allows members to offer 100% secured public unit deposits for school funding or municipalities. 


Building communities has always been the core of our work at the Federal Home Loan Banks. Through cooperation and partnership with our member institutions, we’re constantly striving to provide value to our members and assist them in building communities both large and small.

Over the last 20 years, one of the most important tools our members have utilized in support of that effort is the Mortgage Partnership Finance® (MPF) Program. The MPF Program’s premise rests on the simple, yet powerful, idea that combining the credit expertise of a local lender with the funding and asset-management advantages of an FHLBank will create a stronger, more economical and efficient method of financing residential mortgages.

Designed to promote access to the secondary mortgage market for small and mid-sized financial institutions, FHLBank member institutions are able to preserve their customer relationships while being paid to manage the credit risk of their customers. That’s the kind of cooperative relationship we’re so proud of, and why our unique ability to understand and assist our members makes the FHLBank system such a critical element of the housing finance landscape.

As the MPF Program celebrates 20 years of success, I encourage you to take a few minutes to watch our tribute to this partnership


As part of its Affordable Mortgage Lending Guide, the FDIC has released a new resource to help community lenders understand more about the products and programs offered by the Federal Home Loan Banks. The guide provides background on the MPF Program, as well as many of the other programs we offer to our members in detail, and serves as an excellent reference point for understanding how we partner with our members in more detail. 


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Committed to Diversity
In June, FHLBank Topeka was recognized by the YWCA of Topeka as the 2017 Employer of Excellence at their 29th annual leadership luncheon. 


Government Sponsored Enterprise (GSE) reform remains one of the primary financial legislative issues Congress has indicated an interest in addressing. As we pivot to the back half of 2017, the contours of various reform proposals are beginning to take shape. With a series of hearings through the Spring, various stakeholders and lawmakers have started to release reform guidelines and priorities.

While progress remains gradual, the FHLBank System was recently highlighted in a white paper on GSE reform offered by the American Bankers Association:

“Any reform of the secondary mortgage market must consider the vital role played by the Federal Home Loan Banks and must in no way harm the traditional advance businesses of Federal Home Loan Banks or access to advances by their members.

The Federal Home Loan Banks (FHLBs) have provided mortgage financing in the form of collateralized advances to their member/owners for over 80 years. They have performed as intended, ensuring liquidity even in times of market crisis. Their crisis performance is traceable in part to mutual ownership status and relatively high statutory capital requirements. Changes to Fannie and Freddie may impact the FHLBs, even if unintended or indirect, and the impacts must be considered and accounted for, and preferably avoided before they are undertaken. Additionally, the FHLBs may have the potential to play an expanded role in a revised GSE system, but any expanded role must be separately capitalized and regulated in such a manner that it does not put at risk the traditional advance business of the Banks.”

 The stability of the FHLBank cooperative business model, and our ongoing support for affordable housing and community development position us as a unique and valuable component of the housing finance system. As this discussion evolves, we remain pleased to offer support and feedback if your office would like more information on our perspective. 


In April, Senator Jerry Moran joined FHLBank Housing and Community Development Director, Tom Thull, and other partners for a groundbreaking and ribbon cutting in Ulysses, Kan. Grant Prairie Townhomes is 10-unit housing development that provides affordable housing in a part of Kansas that is growing rapidly. The development received a $150,000 Affordable Housing Program from FHLBank Topeka, sponsored by Grant County Bank of Ulysses, Kan.



A strong, local bank can make all the difference to a small community. In northeast Kansas, Denison State Bank has taken a lead role in efforts in Holton, Hoyt, Meriden and Topeka. In April, they were awarded FHLBank’s annual Community Leader Award. Congresswoman Lynn Jenkins, a native of Holton, was on hand at the April awards ceremony to congratulate Denison State Bank.

Denison State Bank also received a $5,000 donation to one or more nonprofits of their choice. They chose to split the funds between the YWCA Topeka Summer Camp Program, the Friends of the Meriden Community Library, the Mayetta Splash Park and the Banner Creek Science Center & Observatory in Holton. To see more about the lives Denison State has touched, watch the video tribute that debuted in April.

Ryan Gilliland, VP, Government Relations Officer
785.438.6010  | ryan.gilliland@fhlbtopeka.com

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