Liquidity That Strengthens Your Lending Power
The MPF® Program gives you dependable access to liquidity while helping you manage risk, grow revenue, and continue supporting the communities you serve.
Conventional / Conforming Loans
With the MPF Program, members can sell conventional and conforming loans through multiple investor channels, gaining access to consistent liquidity across all market conditions. These solutions remove market risk from your balance sheet and further serve your community.
Members also have the option to hold loans for a period of time to earn additional interest income before selling, creating added flexibility for managing both short- and long-term funding needs.
Government Loans
The MPF Program provides liquidity for FHA, VA, and other government loan products, giving members more opportunities to fit borrowers into the products that are best for them. By leveraging MPF government loan solutions, members can continue serving families while mitigating risk exposure and reduce their risk.
These solutions ensure that even during times of market stress, members can access reliable funding channels to sustain their lending operations and support homeownership in their communities.
The MPF Program Edge
The MPF® Program enhances liquidity by providing financial institutions with reliable funding solutions, allowing them to efficiently manage their balance sheets while continuing to serve their communities.
Multiple Investor Channels
Flexible Loan Delivery
Multiple Revenue Streams
Community Impact
FAQs
Find answers to your most pressing questions on our MPF Products here.
The MPF® Program allows you to transfer prepayment and funding risk, so you can continue offering mortgage solutions without taking on additional market exposure.
By providing you with reliable access to funding, the MPF Program enables you to reinvest in your community through new mortgages and expanded lending opportunities.
Community Lenders Share Their Experience
"A mortgage loan can be the beginning of a decades-long relationship. The MPF Program offers a great opportunity to sell loans into the secondary market, take stress off the balance sheet, and minimize interest-rate risk, while retaining the ability to service members’ loans."
David Hardwick
Vice President of Lending, Clearview Federal Credit Union
"We appreciate the flexibility to either hold loans on our balance sheet until an opportune time or sell them immediately, with best efforts or mandatory lock execution—whatever market conditions require. In the current high-rate environment, having the ability to quickly move loans off the balance sheet in moments of market improvement has been especially helpful."
Russ Bernardo
Chief Lending Officer, OCCU
"Having a responsive secondary mortgage market partner is crucial to being the best in our members’ eyes. The MPF Service Center goes out of their way to help our members—for example, when we recently learned just three days before closing that a borrower had changed jobs. MPF staff responded quickly, and together we were able not only to resolve the problem and close the loan, but also to provide the borrower down payment assistance."
Steve Gineris
Vice President of Retail Lending Service & Sales, Fox Communities Credit Union
"Managing liquidity can be a challenge for lenders when interest rates rise. Texas Tech Credit Union originates a high volume of mortgages for our asset size, which means it’s important for us to sell and transfer loans promptly so we can turn around and provide loans to more members. With the MPF Traditional products, we’ve been able to complete this process quickly and easily, usually within 48 hours versus the seven to 10 days we’d expect with another investor."
Greg Couture
Mortgage Operations Director, Texas Tech Credit Union
"We’ve found the MPF Program to be a friendly introduction to the secondary market. The guidelines are exceptionally easy to follow, and gaining access to Fannie Mae’s Desktop Underwriter® through the Program has made the process even smoother."
Darlene Vigil
Assistant Vice President/Real Estate Manager, State Employees Credit Union
Explore More Resources
eMPF Information
The eMPF Website is a secure transaction portal available to authorized users of member institutions participating in the MPF Program. Explore our video tutorial library on common eMPF processes.
eMAQCSplus
Use eMAQCS®plus for MPF Quality Control and Default Management reporting and pipeline management. Sign up to receive eMAQCSplus credentials for Quality Control and/or Default Management and explore our eMAQCSplus resources.
MPF Data Resources
Access data resources that support loan delivery, servicing, quality control, and on-going program management.
Participate in the MPF Program
Join the MPF Program by applying through your FHLBank representative today for seamless mortgage solutions.