According to the Wall Street Journal, Signature Bank has nearly $10 billion in loans to local home loan banks in the fourth quarter of 2022, and Silvergate Capital has also loaned at least $3.6 billion to home loan banks. The Federal Home Loan Bank is a housing finance institution established in the United States under the Home Loan Bank Act of 1932. There are 12 in total across the United States. The bank is currently pumping money into the banking system, enabling banks to borrow at low interest rates with implicit government support.