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Member Announcement

Updated Collateral Loan-to-Values Effective October 7, 2024

Updated Charts

Collateral Eligibility Updates

Beginning Sept. 30, 2024, several collateral eligibility requirements will be updated or simplified. Review before your next collateral pledge.

View Impacted Collateral Types

FHLB Des Moines offers an extensive collateral menu which includes, but is not limited to, a variety of residential and commercial real estate loans, mortgage and business loans, government-guaranteed loans, securities and time certificates of deposit.

Since credit is only extended on a secured basis, we offer a wide variety of collateral options. Members and housing associates choose what, when and how to pledge in order to maintain sufficient eligible collateral.

Collateral News and Updates

View the latest collateral news, updates on eligibility and changes that impact borrowing capacity. 

Collateral News

Collateral Types Available for Pledging

FHLB Des Moines accepts various types of loans and securities as collateral. Explore your options and understand eligibility criteria for all collateral. Eligibility guidelines and checklists are provided here.

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Pledging and Releasing Process

Pledging and releasing collateral can be accomplished easily by utilizing eAdvantage, the online portal for members. Prior to using eAdvantage, user authorizations should be set up. 

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News

Updated Collateral Loan-to-Values Effective March 10, 2025 Member Announcements Updated Collateral Loan-to-Values Effective March 10, 2025 On Monday, March 10, 2025, FHLB Des Moines will implement revised Loan-to-Value Discounts (LTVs) for five Multi-Family First Mortgage collateral types. Collateral Eligibility Updates Q3-Q4 2024 Member Announcements Collateral Eligibility Updates Q3-Q4 2024 FHLB Des Moines will be updating several collateral eligibility requirements over the next two quarters with the majority of the updates effective September 30, 2024. Many of these updates simplify eligibility requirements or provide improved eligibility for certain collateral types. Updated Collateral Loan-to-Values Effective October 7, 2024 Member Announcements Updated Collateral Loan-to-Values Effective October 7, 2024 On Monday, October 7, 2024, FHLB Des Moines will implement revised LTVs for most collateral categories. Updated Collateral Loan-to-Values Effective April 29, 2024 Member Announcements Updated Collateral Loan-to-Values Effective April 29, 2024 On Monday, April 29, 2024, FHLB Des Moines will implement revised LTVs for most loan collateral categories.

See all articles regarding news about FHLB Des Moines.

Employee Feature: Jeff Fuller

Employee Feature: Jeff Fuller

Collateral Review Analyst

We are excited to introduce you to Jeff Fuller, Collateral Review Analyst, who started at the Bank in May 2020. He said that his favorite part of this new position is getting to work with members across our district to assess collateral risk while facilitating a mutually beneficial relationship.

MEET JEFF

Employee Feature: Jamie Tapp

Employee Feature: Jamie Tapp

Collateral Review Analyst 

Jamie Tapp has been a Collateral Review Analyst with Federal Home Loan Bank of Des Moines for more than eight years. During his time on the collateral team, he has enjoyed traveling across the district and meeting members at their financial institutions. 

MEET JAMIE

Employee Feature: Cory Schoenherr

Employee Feature: Cory Schoenherr

Analyst, Member Collateral Verification Reporting

In late 2019, we welcomed a new addition to the Bank's Enterprise Risk division. Cory Schoenherr joined our Credit Risk Governance (CRG) team, assisting in Member Collateral Verification (MCV) support processes and reporting.

Cory's Story

Employee Feature: Ryan Coppess

Employee Feature: Ryan Coppess

This quarter, we’re thrilled to feature one of the newest additions to the Collateral Field Staff, Ryan Coppess. Our members in Southwest Iowa or Western Missouri may have already met him during a recent Member Collateral Verification (MCV) review, but we wanted to give him a proper introduction.

“I’m motivated by the opportunity to be in front of members, face-to-face, to help them find the best ways to use collateral to help their balance sheet,” 

Ryan's Story

Employee Feature: Sue Schmitt

Sue Schmitt Celebrates 35 Years with FHLB Des Moines

When Sue Schmitt, Senior Collateral Specialist, first started working at FHLB Des Moines she worked at the check processing center “before there were ATM cards!” 35 years later, Sue continues to be a core member of our daily operations and stands out as one of the most recognizable faces in the Collateral Department. 

Sue's Story