Federal Home Loan Bank of Des Moines

The Federal Home Loan Bank of Cincinnati is an $81 billion, triple-A rated regional wholesale bank providing financial services for residential housing and economic development. FHLBank provides service to more than 750 financial institutions located in the Fifth District of Kentucky, Ohio and Tennessee. It has contributed nearly $194 million for the creation of more than 33,000 units of lower-income housing through its Affordable Housing Program. The FHLBank System, including more than 12 district banks and 8,000 members, was chartered in 1932 by the United States Congress to promote housing finance but is wholly-owned by its member institution stockholders and does not use taxpayer dollars.

RT Mortgage, located in Middletown, Ohio, is a mortgage lending firm, and offers a wide variety of financial programs and services to customers. It provides various home loan programs, including purchase, refinance, and debt consolidation and home equity loans programs. The firm also offers customized second mortgages, construction loans and home improvement loans. RT Mortgage offers a variety of loan products, including 100 percent financing, stated income, and fixed- and adjustable-rate mortgage products. The firm also provides various standard and introductory adjustable-rate mortgage products, including six-month certificates of deposit, one-year treasury spot, and six-month, and 12-month treasury average adjustable-rate mortgage products. It additionally provides reverse and balloon mortgages.