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Determine Your Loan to Value

Loan to Value (LTV) is the maximum collateral value that assets pledged to FHLB Des Moines receive. LTVs are applied to the unpaid principal balance of loans that are not priced, the market value of priced loans and the market value of all securities. LTVs are periodically analyzed by FHLB Des Moines and adjusted if necessary. Members are notified well in advance of any changes being made. A member’s credit rating, established by the FHLB Des Moines credit department determines the maximum amount of borrowing capacity.  The charts below can assist in determining your LTV.

Credit Capacity - Term Limits and Collateral Requirements

LTV Charts

Contact the Collateral Department at 800.544.3452, ext. 2500 or by email at with any questions you have.

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