Collateral Loan-to-Value Discounts

last updated on Thursday, July 16, 2026 in Strategies

The Federal Home Loan Bank of Des Moines plays a critical role in providing secured liquidity to its member institutions through advances collateralized by loans and securities. A key component in determining lendable value of a member’s pledged collateral is the application of a Loan-to-Value (LTV) Discount. 

Understanding the LTV Discounts, how frequently they are reviewed, and the potential impact they may have on your contingent liquidity stress testing is essential to developing and maintaining a robust contingent liquidity management strategy.

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We encourage you to contact your relationship manager or the FHLB Des Moines Strategies team to evaluate your institution’s specific needs. We are available to help you assess these options and determine the most effective approach for your balance sheet and liquidity strategy.