Members Equity Bank has started funding home loans on its own balance sheet in a break from a prior reliance on external funding entities.MEB so far has only around $100 million in loans funded on balance sheet, equal to little more than half of one per cent of its home loan portfolio. The bank began funding home loans directly in July.Previously the bank funded all loans through bank warehouses and securitisation trusts. Almost all the bank's $17 billion of residential and commercial loans is funded this way.Earlier this year the bank roped in its own shareholders (all of whom are industry superannuation funds) and one or two other funds managers as direct investors in pools of MEB mortgages. The bank has about $2 billion in loans funded this way, which provided an alternative source of funds for a bank otherwise overwhelmingly reliant on the machinery of securitisation since its formation in early 2000.