FHLB Cincinnati

FHLB generally provides great pricing for advances to satisfy liquidity needs.  They also have a good mortgage program, generally priced better than FNMA and FHLMC.  Mortgage program system is clunky though and their underwriting is tighter than the GSEs.  Ran into a large problem a few years back as we included our portfolio first mortgages as borrowing collateral.  They audited and excluded m