Mortgage Partnership Finance® Program

The Mortgage Partnership Finance® (MPF®) Program provides our members competitive secondary market options through a selection of mortgage product offerings.

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Conventional / Conforming Loans

Our conventional/conforming loan products are structured to meet diverse financing needs. These products provide options for additional income, ability to retain servicing, and competitive execution to help institutions manage liquidity and risk.

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Government Loans

Our government loan products allow members to deliver FHA, VA, RHS Section 502, and HUD Section 184 mortgage loans to the MPF Program, helping members support affordable homeownership in their communities.

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New MPF® Habitat for Humanity® Program

Through our new MPF Habitat for Humanity Program, approved FHLBank Chicago members can deliver affordable, below‑market rate loans (approximately 250 basis points below market) to homebuyers working with Habitat for Humanity affiliates in Illinois and Wisconsin while still receiving premium pricing of 101 through an FHLBank Chicago contribution.

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MPF® Program Reference Center

Discover resources, tools, and training to help you confidently navigate the MPF Program.

MPF Guides

MPF On-Demand Webinars

Recorded Tutorials for eMPF

What Our Members Are Saying

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“The MPF Program benefits mean we can price loans competitively and pass savings on to our members. This is important because affordability is the biggest barrier to homeownership in our communities. And by pairing the MPF Program with FHLBank Chicago’s Downpayment Plus Programs, we can do even more to prevent payment shock—especially for first-time homebuyers.”

Matt Gerber

VP, Mortgage Lending, Royal Credit Union

“Participation in the MPF Advisory Council has allowed us to provide valuable feedback, which we’ve seen directly influence product offerings and adjustments in loan pricing. These changes have enabled us to deliver better products and pricing to our customers while also contributing increased volume.”

Tim Tuz

SVP, Capital Markets, Wintrust Mortgage

“With the MPF Traditional product, Nicolet can offer competitive rates without loan-level price adjustments, making loans more affordable for creditworthy borrowers.”