Updated Collateral Loan-to-Values Effective May 10

posted on Thursday, April 8, 2021 in Business News

The Federal Home Loan Bank of Des Moines periodically reviews our collateral Loan-to-Values (LTVs) to ensure they are consistent with the current market environment. On May 10, 2021, FHLB Des Moines will implement revised LTVs for most collateral categories. 

These changes may affect your borrowing capacity with FHLB Des Moines. The charts published below provide you with the current LTV Discount alongside the new LTV Discounts that will become effective on May 10th. Please review these charts to understand the impact, if any, to your pledged collateral value. 

Loan Collateral

Loan collateral LTVs will be updated for all members with a Blanket Advances, Pledge and Security Agreement (APSA). 

Most loan collateral types will increase their Loan-to-Value Discount.

LOAN LTV Changes
 

Securities Collateral

Security collateral LTVs will be updated for all members and all housing associates. Additionally, we now provide Securities LTV charts for both depository and non-depository members. 

SECURITIES LTV Changes - DEPOSITORY MEMBERS

Securities LTV Changes - Non-Depository members


The most current LTV information is found in collateral section of our website. 

If you have questions, or would like additional information on the updated LTVs, please contact the Collateral Department.

The LTV Discount is one component in calculating your pledged collateral value. For additional resources on the Advance Equivalent (AE) value, view our new resource: Member Map of Credit and Collateral

  1. Collateral
  2. Credit and Collateral