Ginnie Mae HMBS Platinum Disclosure File, Effective 5/1/2020

Effective 5/1/2020 1 Ginnie Mae HMBS Platinum Disclosure File V 1.1

HMBS Platinum Disclosure File Layout

HMBS Platinum Disclosure File V 1.1

Layout for Pool Level Data for New Issuance and Monthly Portfolio

Effective Dates:

1. May 2020 Pool New Issuance Disclosure 

2. April 2020 Monthly Portfolio Pool Disclosure

(published in May)
Ginnie Mae HMBS Platinum Disclosure File, Effective 5/1/2020

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Ginnie Mae HMBS Platinum Disclosure File

Document Version History

Version 1.0 11/5/2018 Initial Version effective Feb 2019 

Version 1.1 05/01/2020 Version 1.0 with the following 

changes:

Beginning in May 2020, the Pool Maturity Date 

field is being added to the end of the “D” Record. 

The total length of the “D” record is changing,

from 112 to 120.

Ginnie Mae is enhancing its Platinum Securities with the implementation of a new HECM MBS 

(HMBS) Platinum Security. This document provides the technical file layout for the HMBS 

Platinum Security Pool data disclosure:

• Pool Issuance File Name: hplatdaily.txt. HMBS Platinum Pool data disclosure will be

posted to the Ginnie Mae website in physically separate disclosure files. The HMBS 

Platinum pools will not be included in any of the existing new issuance disclosure files.

• Monthly Portfolio Pool Disclosure File Name: hplatmon_YYYYMM.txt. HMBS Platinum 

Pool monthly data disclosure will be posted to the Ginnie Mae website in physically 

separate disclosure files. The HMBS Platinum pools will not be included in any of the 

existing monthly disclosure files.

Users should note that this document defines the Pool level data disclosure for the HMBS 

Platinum Pool. This Pool level file will be in addition to the existing Platinum Collateral File and 

the existing Factor B file:

• Existing Platinum Collateral files (“platdcoll.txt” and “platcoll_YYYYMM.txt”) will include 

collateral for HMBS Platinum Pools.

• Existing Factor B File (“factorB2_YYYYMM.zip”) will include HMBS Platinum Pools. The 

existing Factor B file will contain the payment data for the HMBS Platinum Pool.

HMBS Platinum Pools will not be in the existing Enhanced Platinum Pool Disclosure files.

There are no Loan Level Disclosure Files for this product.
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The HMBS Platinum Security will be disclosed with Pool Indicator (Issue Type) “H”. 

The HMBS Platinum Security has 5 Platinum Pool Types as follows:

HMBS Platinum 

Pool Type

Description of Collateral in the HMBS Platinum Pool

PA Contains pools with one-year adjustable rate HEMC loans, one-year CMT Index, 

2/5 cap structure. Allowable Collateral of “RA” and “PA”.

PB Contains pools with monthly adjustable rate HEMC loans, one-month CMT Index, 

Lifetime cap determined by Issuer. Allowable Collateral of “RM” and “PB”.

PC Contains pools with one-year adjustable rate HEMC loans, one-year LIBOR Index, 

2/5 cap structure. Allowable Collateral of “AL” and “PC”.

PD Contains pools with monthly adjustable rate HEMC loans, one- month LIBOR 

Index, Lifetime cap determined by Issuer. Allowable Collateral of “ML” and “PD”.

PF Contains pools with Fixed Rate HEMC loans. Allowable Collateral of “RF” and 

“PF”.

HMBS Platinum Pool record layouts are provided on the following pages.
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HMBS Platinum Pool Level Disclosure

Pool Detail Record Type D

One Record per HMBS Platinum Pool

Field # Field Name Start End Type Length Remarks

1 CUSIP Number 1 9 Character 9 X(9)

2 Pool ID 10 15 Character 6 X(6)

3 Pool Indicator (H) 16 16 Character 1 X

4 Pool Type 17 18 Character 2 X(2)

5 Record Type (D) 19 19 Character 1 X

6 Issue Date 20 27 Date 8 YYYYMMDD

7 Original Security Interest Rate (WAC) 28 32 Numeric 5 9(2)v9(3)

8 Current Security Interest Rate (WAC) 33 37 Numeric 5 9(2)v9(3)

9 Original Aggregate Amount 38 52 Numeric 15 9(13)v9(2)

10 Pool UPB 53 67 Numeric 15 9(13)v9(2)

11 Index Type 68 72 Character 5 X(5)

12 WA Average Original Participation 

Size 73 85 Numeric 13 9(11)v9(2)

13 WA Average Current Participation 

Balance 86 98 Numeric 13 9(11)v9(2)

14 WA Pool WALA of Participations 99 101 Numeric 3 9(3)

15 WA Expected Mortgage Interest Rate 102 106 Numeric 5 9(2)v9(3)

16 As-Of Date (CCYYMM) 107 112 Numeric 6 9(6)

17 Pool Maturity Date 113 120 Date 8 YYYYMMDD

Length of Record 120

1. CUSIP Number: The CUSIP number is a unique, nine-character identification number permanently 

assigned by the Committee on Uniform Securities Identification Procedures to each publicly traded 

security at the time of issuance.

2. Pool ID: The Pool identifier of the HMBS Platinum Pool, assigned at pool issuance.

3. Pool Indicator (Issue Type): The Issue Type of the pool. This is always “H” for HMBS Platinum Pools.

4. Pool Type: A two-character value identifying the type of HMBS Platinum Pool. Values are:

PA = One-year adjustable rate HECM loans, one-year CMT Index ,2/5 cap structure

PB = Monthly adjustable rate HECM loans, one-month CMT Index, Lifetime cap determined by Issuer

PC = One-year adjustable HEMC rate loans, one-year LIBOR Index, 2/5 cap structure 

PD = Monthly adjustable rate HEMC loans, one- month LIBOR Index, Lifetime cap determined by 

Issuer 

PF = Fixed Rate HEMC loans

5. Record Type: “D” for the HMBS Platinum Pool Detail Record.

6. Issue Date: The date the pool was issued. The issue date is always the first calendar day of the 

month.

7. Original Security Interest Rate (WAC): The Weighted Average Security Interest Rate (WAC) of the 

HMBS Platinum pool at pool issuance. The HMBS Platinum Pool Weighted Average Security Interest 
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Rate is calculated using the original RPB amount of collateral pool and the corresponding original 

security rate of the collateral pool of each of the HMBS pools (and if applicable HMBS Platinum pools) 

in the Platinum pool.

8. Current Security Interest Rate (WAC): The current month’s Weighted Average Security Interest Rate 

for the Platinum pool. The HMBS Platinum Pool Weighted Average Security Interest Rate is calculated 

using the current RPB amount of collateral pool and the corresponding current security rate of the 

collateral pool of each of the HMBS pools (and if applicable HMBS Platinum pools) in the Platinum 

pool.

9. Original Aggregate Amount: The sum of the original principal amounts for the collateral pools in the 

HMBS Platinum pool at issuance; the starting balance of the HMBS Platinum pool. 

10. Pool UPB: The sum of the underlying collateral pool UPBs for the HMBS Platinum Pool for the 

reporting month.

11. Index Type: The type of ARM index associated with the HECM loans in the underlying HMBS 

collateral pools. These indexes are relevant only to the HECM loans in the collateral pools. It is not an 

index for the HMBS Platinum pool. Values are:

CMT = Constant Maturity Treasury

LIBOR = London Interbank Offered Rate

12. WA Average Original Participation Size: The Weighted Average of the underlying collateral pool 

average participation Original Principal Balance (OPB) values (based on original Participation size at 

issuance), for all the collateral pools in the HMBS Platinum.

13. WA Average Current Participation Balance: The current month’s Weighted Average of the underlying 

collateral pool average participation current Unpaid Principal Balance (UPB) values, for all the 

collateral pools in the HMBS Platinum.

14. WA Pool WALA of Participations: The Weighted Average Loan Age of the collateral pools in the HMBS 

Platinum pool.

15. WA Expected Mortgage Interest Rate: The Weighted Average Expected Mortgage Interest Rates of 

the collateral HMBS pools in the HMBS Platinum Pool.

16. As-Of Date (CCYYMM): Reporting Period for the data.

17. Pool Maturity Date: The date that the HMBS Platinum Pool matures.

HMBS Platinum Pool Level Disclosure

Supplemental Data Record Type R

One Record per HMBS Platinum Pool

Field # Field Name Start End Type Length Remarks

1 CUSIP Number 1 9 Character 9 X(9)

2 Pool ID 10 15 Character 6 X(6)

3 Pool Indicator (H) 16 16 Character 1 X

4 Pool Type 17 18 Character 2 X(2)

5 Record Type (R) 19 19 Character 1 X

Property Type

6 SINGLE FAMILY UPB 20 32 Numeric 13 9(11)v9(2)

7 SINGLE FAMILY UPB % of Total

UPB 33 37 Numeric 5 9(3)v9(2)

8 CONDO UPB 38 50 Numeric 13 9(11)v9(2)

9 CONDO UPB % of Total UPB 51 55 Numeric 5 9(3)v9(2)

10 MANUF UPB 56 68 Numeric 13 9(11)v9(2)
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11 MANUF UPB % of Total UPB 69 73 Numeric 5 9(3)v9(2)

12 PUD UPB 74 86 Numeric 13 9(11)v9(2)

13 PUD UPB % of Total UPB 87 91 Numeric 5 9(3)v9(2)

14 Not Available UPB 92 104 Numeric 13 9(11)v9(2)

15 Not Available UPB % of Total UPB 105 109 Numeric 5 9(3)v9(2)

Eligible Non-borrowing Spouse

16 Eligible Non-borrowing Spouse UPB 110 122 Numeric 13 9(11)v9(2)

17 Eligible Non-borrowing Spouse UPB % 

of Total UPB 123 127 Numeric 5 9(3)v9(2)

Remaining Property Charges Set 

Aside

18 Remaining Property Charges Set Aside 

UPB 128 140 Numeric 13 9(11)v9(2)

19 Remaining Property Charges Set Aside 

UPB % of Total UPB 141 145 Numeric 5 9(3)v9(2)

Loan Purpose

20 Traditional UPB 146 158 Numeric 13 9(11)v9(2)

21 Traditional UPB % of Total UPB 159 163 Numeric 5 9(3)v9(2)

22 Refinance UPB 164 176 Numeric 13 9(11)v9(2)

23 Refinance UPB % of Total UPB 177 181 Numeric 5 9(3)v9(2)

24 Purchase UPB 182 194 Numeric 13 9(11)v9(2)

25 Purchase UPB % of Total UPB 195 199 Numeric 5 9(3)v9(2)

26 Not Available UPB 200 212 Numeric 13 9(11)v9(2)

27 Not Available UPB % of Total UPB 213 217 Numeric 5 9(3)v9(2)

HECM Saver

28 Standard UPB 218 230 Numeric 13 9(11)v9(2)

29 Standard UPB % of Total UPB 231 235 Numeric 5 9(3)v9(2)

30 Saver UPB 236 248 Numeric 13 9(11)v9(2)

31 Saver UPB % of Total UPB 249 253 Numeric 5 9(3)v9(2)

Payment Option

32 Tenure UPB 254 266 Numeric 13 9(11)v9(2)

33 Tenure UPB % of Total UPB 267 271 Numeric 5 9(3)v9(2)

34 Term UPB 272 284 Numeric 13 9(11)v9(2)

35 Term UPB % of Total UPB 285 289 Numeric 5 9(3)v9(2)

36 Line of Credit UPB 290 302 Numeric 13 9(11)v9(2)

37 Line of Credit UPB % of Total UPB 303 307 Numeric 5 9(3)v9(2)

38 Modified Term UPB 308 320 Numeric 13 9(11)v9(2)

39 Modified Term UPB % of Total UPB 321 325 Numeric 5 9(3)v9(2)

40 Modified Tenure UPB 326 338 Numeric 13 9(11)v9(2)

41 Modified Tenure UPB % of Total UPB 339 343 Numeric 5 9(3)v9(2)

42 Single Disb. Lump Sum UPB 344 356 Numeric 13 9(11)v9(2)

43 Single Disb. Lump Sum UPB % of 

Total UPB 357 361 Numeric 5 9(3)v9(2)

44 Not Available UPB 362 374 Numeric 13 9(11)v9(2)

45 Not Available UPB % of Total UPB 375 379 Numeric 5 9(3)v9(2)
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Pools with Participations with 

Payments

46 Unpaid Principal Balance with 

Payments 380 392 Numeric 13 9(11)v9(2)

47 Percent of UPB Paid Off 393 397 Numeric 5 9(3)v9(2)

Age of Youngest Borrowers/CoBorrower who is at least 62 Years 

Old

48 62-65 UPB 398 410 Numeric 13 9(11)v9(2)

49 62-65 UPB % of Total UPB 411 415 Numeric 5 9(3)v9(2)

50 66-70 UPB 416 428 Numeric 13 9(11)v9(2)

51 66-70 UPB % of Total UPB 429 433 Numeric 5 9(3)v9(2)

52 71-75 UPB 434 446 Numeric 13 9(11)v9(2)

53 71-75 UPB % of Total UPB 447 451 Numeric 5 9(3)v9(2)

54 76-80 UPB 452 464 Numeric 13 9(11)v9(2)

55 76-80 UPB % of Total UPB 465 469 Numeric 5 9(3)v9(2)

56 81-85 UPB 470 482 Numeric 13 9(11)v9(2)

57 81-85 UPB % of Total UPB 483 487 Numeric 5 9(3)v9(2)

58 86-90 UPB 488 500 Numeric 13 9(11)v9(2)

59 86-90 UPB % of Total UPB 501 505 Numeric 5 9(3)v9(2)

60 91-95 UPB 506 518 Numeric 13 9(11)v9(2)

61 91-95 UPB % of Total UPB 519 523 Numeric 5 9(3)v9(2)

62 96-100 UPB 524 536 Numeric 13 9(11)v9(2)

63 96-100 UPB % of Total UPB 537 541 Numeric 5 9(3)v9(2)

64 101-up UPB 542 554 Numeric 13 9(11)v9(2)

65 101-up UPB % of Total UPB 555 559 Numeric 5 9(3)v9(2)

66 Age Not Available UPB 560 572 Numeric 13 9(11)v9(2)

67 Age Not Available UPB % of Total

UPB 573 577 Numeric 5 9(3)v9(2)

Age of Youngest Borrowers/CoBorrower Gender

68 Joint Loan - Female UPB 578 590 Numeric 13 9(11)v9(2)

69 Joint Loan - Female UPB % of Total

UPB 591 595 Numeric 5 9(3)v9(2)

70 Joint Loan - Male UPB 596 608 Numeric 13 9(11)v9(2)

71 Joint Loan - Male UPB % of Total UPB 609 613 Numeric 5 9(3)v9(2)

72 Joint Loan - Either Gender or Youngest 

Age Not Available UPB 614 626 Numeric 13 9(11)v9(2)

73 Joint Loan – Either Gender or Youngest 

Age Not Available UPB % of Total

UPB

627 631 Numeric 5 9(3)v9(2)

74 Single Loan - Female UPB 632 644 Numeric 13 9(11)v9(2)

75 Single Loan - Female UPB % of Total

UPB 645 649 Numeric 5 9(3)v9(2)

76 Single Loan - Male UPB 650 662 Numeric 13 9(11)v9(2)

77 Single Loan - Male UPB % of Total

UPB 663 667 Numeric 5 9(3)v9(2)
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78 Single Loan – Either Gender or 

Youngest Age Not Available UPB 668 680 Numeric 13 9(11)v9(2)

79 Single Loan – Either Gender or 

Youngest Age Not Available UPB % of 

Total UPB

681 685 Numeric 5 9(3)v9(2)

80 As-Of Date (CCYYMM) 686 691 Numeric 6 9(6)

Length of Record 691

1. CUSIP Number: The CUSIP number is a unique, nine-character identification number permanently 

assigned by the Committee on Uniform Securities Identification Procedures to each publicly traded 

security at the time of issuance.

2. Pool ID: The Pool identifier of the HMBS Platinum Pool, assigned at pool issuance.

3. Pool Indicator (Issue Type): The Issue Type of the pool. This is always “H” for HMBS Platinum Pools.

4. Pool Type: A two-character value identifying the type of HMBS Platinum Pool. Values are:

PA = One-year adjustable rate HECM loans, one-year CMT Index ,2/5 cap structure 

PB = Monthly adjustable rate HECM loans, one-month CMT Index, Lifetime cap determined by Issuer 

PC = One-year adjustable HEMC rate loans, one-year LIBOR Index, 2/5 cap structure 

PD = Monthly adjustable rate HEMC loans, one-month LIBOR Index, Lifetime cap determined by 

Issuer 

PF = Fixed Rate HEMC loans

5. Record Type: “R” for the HMBS Platinum Pool Supplemental Record.

Property Type

6. SINGLE FAMILY UPB: The sum of (the Property Type, SINGLE FAMILY UPBs multiplied by the 

“percentage”) for the pools included in the HMBS Platinum Pool.

7. SINGLE FAMILY UPB % of Total UPB: The Property Type, SINGLE FAMILY UPBs of the HMBS Platinum 

Pool expressed as a percentage of the HMBS Platinum Pool’s total UPB.

8. CONDO UPB: The sum of (the Property Type, CONDO UPBs multiplied by the “percentage”) for the 

pools included in the HMBS Platinum Pool.

9. CONDO UPB % of Total UPB: The Property Type, CONDO UPBs of the HMBS Platinum Pool expressed 

as a percentage of the HMBS Platinum Pool’s total UPB.

10. MANUF UPB: The sum of (the Property Type, MANUF UPBs multiplied by the “percentage”) for the 

pools included in the HMBS Platinum Pool.

11. MANUF UPB % of Total UPB: The Property Type, MANUF UPBs of the HMBS Platinum Pool expressed 

as a percentage of the HMBS Platinum Pool’s total UPB.

12. PUD UPB: The sum of (the Property Type, PUD UPBs multiplied by the “percentage”) for the pools 

included in the HMBS Platinum Pool.

13. PUD UPB % of Total UPB: The Property Type, PUD UPBs of the HMBS Platinum Pool expressed as a 

percentage of the HMBS Platinum Pool’s total UPB.

14. Not Available UPB: The sum of (the Property Type Not Available UPBs multiplied by the “percentage”) 

for the pools included in the HMBS Platinum Pool.

15. Not Available UPB % of Total UPB: The Property Type, Not Available UPBs of the HMBS Platinum Pool 

expressed as a percentage of the HMBS Platinum Pool’s total UPB.

Eligible Non-borrowing Spouse

16. Eligible Non-borrowing Spouse UPB: The sum of (the Eligible Non-borrowing Spouse UPBs multiplied 

by the “percentage”) for the pools included in the HMBS Platinum Pool.

17. Eligible Non-borrowing Spouse UPB % of Total UPB: The Eligible Non-Borrowing Spouse UPBs of the 

HMBS Platinum Pool expressed as a percentage of the HMBS Platinum Pool’s total UPB.

Remaining Property Charges Set Aside

18. Remaining Property Charges Set Aside UPB: The sum of (the Remaining Property Charges Set Aside 

UPBs multiplied by the “percentage”) for the pools included in the HMBS Platinum Pool.
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19. Remaining Property Charges Set Aside UPB % of Total UPB: The Remaining Property Charges Set Aside 

UPBs of the HMBS Platinum Pool expressed as a percentage of the HMBS Platinum Pool’s total UPB.

Loan Purpose

20. Traditional UPB: The sum of (the Loan Purpose, Traditional UPBs multiplied by the “percentage”) for 

the pools included in the HMBS Platinum Pool.

21. Traditional UPB % of Total UPB: The Loan Purpose, Traditional UPBs of the HMBS Platinum Pool 

expressed as a percentage of the HMBS Platinum Pool’s total UPB.

22. Refinance UPB: The sum of (the Loan Purpose, Refinance UPBs multiplied by the “percentage”) for 

the pools included in the HMBS Platinum Pool.

23. Refinance UPB % of Total UPB: The Loan Purpose, Refinance UPBs of the HMBS Platinum Pool 

expressed as a percentage of the HMBS Platinum Pool’s total UPB.

24. Purchase UPB: The sum of (the Loan Purpose, Purchase UPBs multiplied by the “percentage”) for the 

pools included in the HMBS Platinum Pool.

25. Purchase UPB % of Total UPB: The Loan Purpose, Purchase UPBs of the HMBS Platinum Pool 

expressed as a percentage of the HMBS Platinum Pool’s total UPB.

26. Not Available UPB: The sum of (the Loan Purpose Not Available UPBs multiplied by the “percentage”) 

for the pools included in the HMBS Platinum Pool.

27. Not Available UPB % of Total UPB: The Loan Purpose, Not Available UPBs of the HMBS Platinum Pool 

expressed as a percentage of the HMBS Platinum Pool’s total UPB.

HECM Saver

28. Standard UPB: The sum of (the HECM Saver, Standard UPBs multiplied by the “percentage”) for the 

pools included in the HMBS Platinum Pool.

29. Standard UPB % of Total UPB: The HECM Saver, Standard UPBs of the HMBS Platinum Pool expressed 

as a percentage of the HMBS Platinum Pool’s total UPB.

30. Saver UPB: The sum of (the HECM Saver, Saver UPBs multiplied by the “percentage”) for the pools 

included in the HMBS Platinum Pool.

31. Saver UPB % of Total UPB: The HECM Saver, Saver UPBs of the HMBS Platinum Pool expressed as a 

percentage of the HMBS Platinum Pool’s total UPB.

Payment Option

32. Tenure UPB: The sum of (the Payment Option, Tenure UPBs multiplied by the “percentage”) for the 

pools included in the HMBS Platinum Pool.

33. Tenure UPB % of Total UPB: The Payment Option, Tenure UPBs of the HMBS Platinum Pool expressed 

as a percentage of the HMBS Platinum Pool’s total UPB.

34. Term UPB: The sum of (the Payment Option, Tenure UPBs multiplied by the “percentage”) for the 

pools included in the HMBS Platinum Pool.

35. Term UPB % of Total UPB: The Payment Option, Term UPBs of the HMBS Platinum Pool expressed as 

a percentage of the HMBS Platinum Pool’s total UPB.

36. Line of Credit UPB: The sum of (the Payment Option, Term UPBs multiplied by the “percentage”) for 

the pools included in the HMBS Platinum Pool.

37. Line of Credit UPB % of Total UPB: The Payment Option, Line of Credit UPBs of the HMBS Platinum 

Pool expressed as a percentage of the HMBS Platinum Pool’s total UPB.

38. Modified Term UPB: The sum of (the Payment Option, Modified Term UPBs multiplied by the 

“percentage”) for the pools included in the HMBS Platinum Pool.

39. Modified Term UPB % of Total UPB: The Payment Option, Modified Term UPBs of the HMBS Platinum 

Pool expressed as a percentage of the HMBS Platinum Pool’s total UPB.

40. Modified Tenure UPB: The sum of (the Payment Option, Modified Tenure UPBs multiplied by the 

“percentage”) for the pools included in the HMBS Platinum Pool.

41. Modified Tenure UPB % of Total UPB: The Payment Option, Modified Tenure UPBs of the HMBS 

Platinum Pool expressed as a percentage of the HMBS Platinum Pool’s total UPB.

42. Single Disb. Lump Sum UPB: The sum of (the Payment Option, Single Disb. Lump Sum UPBs multiplied 

by the “percentage”) for the pools included in the HMBS Platinum Pool.

43. Single Disb. Lump Sum UPB % of Total UPB: The Payment Option, Single Disb. Lump Sum UPBs of the 

HMBS Platinum Pool expressed as a percentage of the HMBS Platinum Pool’s total UPB.
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44. Not Available UPB: The sum of (the Payment Option, Not Available UPBs multiplied by the 

“percentage”) for the pools included in the HMBS Platinum Pool.

45. Not Available UPB % of Total UPB: The Payment Option, Not Available UPBs of the HMBS Platinum 

Pool expressed as a percentage of the HMBS Platinum Pool’s total UPB.

Pools with Participations with Payments

46. Unpaid Principal Balance of Pools with Participations with Payments: The sum of Pools with 

Participations UPBs with Payments for the pools included in the HMBS Platinum Pool.

47. Percent of UPB Paid Off: The Paid Off UPBs of the HMBS Platinum Pool expressed as a percentage of 

the HMBS Platinum Pool’s total UPB.

Age of Youngest Borrowers/Co-Borrower who is at least 62 Years Old

48. 62-65 UPB: The sum of (Youngest Borrowers/Co-Borrower 62-65 UPBs multiplied by the 

“percentage”) for the pools included in the HMBS Platinum Pool.

49. 62-65 UPB % of Total UPB: The Youngest Borrowers/Co-Borrower 62-65 UPBs of the HMBS Platinum 

Pool expressed as a percentage of the HMBS Platinum Pool’s total UPB.

50. 66-70 UPB: The sum of (Youngest Borrowers/Co-Borrower 66-70 UPBs multiplied by the 

“percentage”) for the pools included in the HMBS Platinum Pool.

51. 66-70 UPB % of Total UPB: The Youngest Borrowers/Co-Borrower 66-70 UPBs of the HMBS Platinum 

Pool expressed as a percentage of the HMBS Platinum Pool’s total UPB.

52. 71-75 UPB: The sum of (Youngest Borrowers/Co-Borrower 71-75 UPBs multiplied by the 

“percentage”) for the pools included in the HMBS Platinum Pool.

53. 71-75 UPB % of Total UPB: The Youngest Borrowers/Co-Borrower 71-75 UPBs of the HMBS Platinum 

Pool expressed as a percentage of the HMBS Platinum Pool’s total UPB.

54. 76-80 UPB: The sum of (Youngest Borrowers/Co-Borrower 76-80 UPBs multiplied by the 

“percentage”) for the pools included in the HMBS Platinum Pool.

55. 76-80 UPB % of Total UPB: The Youngest Borrowers/Co-Borrower 76-80 UPBs of the HMBS Platinum 

Pool expressed as a percentage of the HMBS Platinum Pool’s total UPB.

56. 81-85 UPB: The sum of (Youngest Borrowers/Co-Borrower 81-85 UPBs multiplied by the 

“percentage”) for the pools included in the HMBS Platinum Pool.

57. 81-85 UPB % of Total UPB: The Youngest Borrowers/Co-Borrower 81-85 UPBs of the HMBS Platinum 

Pool expressed as a percentage of the HMBS Platinum Pool’s total UPB.

58. 86-90 UPB: The sum of (Youngest Borrowers/Co-Borrower 86-90 UPBs multiplied by the 

“percentage”) for the pools included in the HMBS Platinum Pool.

59. 86-90 UPB % of Total UPB: The Youngest Borrowers/Co-Borrower 86-90 UPBs of the HMBS Platinum 

Pool expressed as a percentage of the HMBS Platinum Pool’s total UPB.

60. 91-95 UPB: The sum of (Youngest Borrowers/Co-Borrower 91-95 UPBs multiplied by the 

“percentage”) for the pools included in the HMBS Platinum Pool.

61. 91-95 UPB % of Total UPB: The Youngest Borrowers/Co-Borrower 91-95 UPBs of the HMBS Platinum 

Pool expressed as a percentage of the HMBS Platinum Pool’s total UPB.

62. 96-100 UPB: The sum of (Youngest Borrowers/Co-Borrower 96-100 UPBs multiplied by the 

“percentage”) for the pools included in the HMBS Platinum Pool.

63. 96-100 UPB % of Total UPB: The Youngest Borrowers/Co-Borrower 96-100 UPBs of the HMBS 

Platinum Pool expressed as a percentage of the HMBS Platinum Pool’s total UPB.

64. 101-up UPB: The sum of (Youngest Borrowers/Co-Borrower 101-up UPBs multiplied by the 

“percentage”) for the pools included in the HMBS Platinum Pool.

65. 101-up UPB % of Total UPB: The Youngest Borrowers/Co-Borrower 101-up UPBs of the HMBS 

Platinum Pool expressed as a percentage of the HMBS Platinum Pool’s total UPB.

66. Age Not Available UPB: The sum of (Youngest Borrowers/Co-Borrower Age Not Available UPBs 

multiplied by the “percentage”) for the pools included in the HMBS Platinum Pool.

67. Age Not Available UPB % of Total UPB: The Youngest Borrowers/Co-Borrower Not Available UPBs of 

the HMBS Platinum Pool expressed as a percentage of the HMBS Platinum Pool’s total UPB.

Age of Youngest Borrowers/Co-Borrower Gender

68. Joint Loan - Female UPB: The sum of (Youngest Borrowers/Co-Borrower Gender Joint Loan – Female 

UPBs multiplied by the “percentage”) for the pools included in the HMBS Platinum Pool.
Ginnie Mae HMBS Platinum Disclosure File, Effective 5/1/2020

Effective 5/1/2020 11 Ginnie Mae HMBS Platinum Disclosure File V 1.1

69. Joint Loan - Female UPB % of Total UPB: The Youngest Borrowers/Co-Borrower Gender Joint Loan -

Female UPBs of the HMBS Platinum Pool expressed as a percentage of the HMBS Platinum Pool’s 

total UPB.

70. Joint Loan - Male UPB: The sum of (Youngest Borrowers/Co-Borrower Gender Joint Loan – Male UPBs 

multiplied by the “percentage”) for the pools included in the HMBS Platinum Pool.

71. Joint Loan - Male UPB % of Total UPB: The Youngest Borrowers/Co-Borrower Gender Joint Loan -

Male UPBs of the HMBS Platinum Pool expressed as a percentage of the HMBS Platinum Pool’s total 

UPB.

72. Joint Loan - Either Gender or Youngest Age Not Available UPB: The sum of (Youngest Borrowers/CoBorrower Gender Joint Loan – Either Gender or Youngest Age Not Available UPBs multiplied by the 

“percentage”) for the pools included in the HMBS Platinum Pool.

73. Joint Loan – Either Gender or Youngest Age Not Available UPB % of Total UPB: The Youngest 

Borrowers/Co-Borrower Gender Joint Loan – Either Gender or Youngest Age Not Available UPBs of 

the HMBS Platinum Pool expressed as a percentage of the HMBS Platinum Pool’s total UPB.

74. Single Loan - Female UPB: The sum of (Youngest Borrowers/Co-Borrower Gender Single Loan –

Female UPBs multiplied by the “percentage”) for the pools included in the HMBS Platinum Pool.

75. Single Loan - Female UPB % of Total UPB: The Youngest Borrowers/Co-Borrower Gender Single Loan -

Female UPBs of the HMBS Platinum Pool expressed as a percentage of the HMBS Platinum Pool’s 

total UPB.

76. Single Loan - Male UPB: The sum of (Youngest Borrowers/Co-Borrower Gender Single Loan – Male 

UPBs multiplied by the “percentage”) for the pools included in the HMBS Platinum Pool.

77. Single Loan - Male UPB % of Total UPB: The Youngest Borrowers/Co-Borrower Gender Single Loan -

Male UPBs of the HMBS Platinum Pool expressed as a percentage of the HMBS Platinum Pool’s total 

UPB.

78. Single Loan – Either Gender or Youngest Age Not Available UPB: The sum of (Youngest Borrowers/CoBorrower Gender Single Loan – Either Gender or Youngest Age UPBs multiplied by the “percentage”) 

for the pools included in the HMBS Platinum Pool.

79. Single Loan – Either Gender or Youngest Age Not Available UPB % of Total UPB: The sum of (Youngest 

Borrowers/Co-Borrower Gender Single Loan – Either Gender or Youngest Age Not Available UPBs 

multiplied by the “percentage”) for the pools included in the HMBS Platinum Pool.

80. As-Of Date (CCYYMM): Reporting Period for the data.

HMBS Platinum Layout Notes:

• This layout applies to files generated at Pool New Issuance and Monthly.

• File Naming Convention

o For the New Issuance file: “hplatdaily.txt”

o For the Monthly file: “hplatmon_YYYYMM.txt”, where “YYYY” is the four-digit year and 

“MM” is the month.

• HMBS Platinum pools can contain other HMBS Platinum Pools and/or Single-Issuer HMBS Pools.

• For fields that use the term “percentage” in this layout, the “percentage” is defined as the 

percentage of the Collateral pool included in the Platinum Pool; this is found in the Platinum 

Collateral file (“J” Record, field 14).