Loan Performance File, V 1.0 5/1/2023

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Loan Performance File

Version 1.0

See Version History for details

Introduction:

The purpose of this file is to provide MBS Loan Level data users with a comprehensive set of MBS loan level, loan liquidation, loan forbearance, and

loan delinquency history disclosure data in one data disclosure file. This file compiles the data for active loans into one file, presented 3 months at 

a time. For example, a 202212 quarterly Loan Performance file will provide MBS loan level, loan liquidation, loan delinquency history and 

forbearance disclosure data for active loans in the 202210, 202211, and 202212 reporting periods. Additionally, on an annual basis, the Loan 

Performance file will provide 12 months of Loan Performance data in one file, using the same file layout as the quarterly file. The format of the file 

will be pipe bar delimited “|”.

Implementation: The first quarterly file is “LoanPerf_202306.zip” with data from April-June 2023. The first annual file is 

“LoanPerfAnn_202312.zip” with data from April-December 2023.

Document Version History

Version 1.0 5/1/2023 Initial Version
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Record Type Short Description Occurs in the File

HH Overall File Header Record One Record Per File

LP Loan Performance Record One Record Per Active Loan Per Period (up to 

3 for a quarterly file and up to 12 for annual)

TT Overall File Trailer Record One Record Per File

Item Data Element Type Max Length Format Definition

HH-01 Record Type = HH Character 2 File Header Record

HH-02 Report Period Numeric 6 YYYYMM Reporting Period of the data in the file (the “as of” 

month and year)

HH-03 File Frequency Numeric 1 The quarterly or annual indicator. Values are:

Q = Quarterly file

A = Annual file

HH-04 Date File Generated Numeric 8 YYYYMMDD The Date the file was created

Item Data Element Type Max Length Format Definition

LP-01 Record Type = LP Character 2 Loan Performance Record

LP-02 CUSIP Number Character 9 The CUSIP is a unique identification number 

permanently assigned by the Committee on Uniform 

Securities Identification Procedures (CUSIP) to each 

publicly traded security at the time of issuance.

LP-03 Pool ID Character 6 The Pool identifier assigned by Ginnie Mae at pooling.

LP-04 Pool Indicator Character 1 Identifies the Issue Type of the pool. Values are X, C, or 

M

LP-05 Pool Type Character 2 Two-character pool type for the pool (see Ginnie Mae 

Guide, Chapter 1)
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LP-06 Pool Issue Date Numeric 8 YYYYMMDD The date the pool was issued

LP-07 Disclosure Sequence Number Numeric 10 A number used for each loan to identify it distinctly for 

data disclosures

LP-08 Issuer ID (including for loan 

packages in MIP pool) Numeric 4

The four-digit identifier for the current issuer 

responsible for the loan

LP-09 Agency (Agency Loan Type 

FHA, VA, RD, NA)

Character 1

Identifier of the government agency. Values are:

F = Federal Housing Administration

V = Veterans Administration

R = Rural Development

N = Native American

9 = Not Available

LP-10 Loan Purpose

Numeric 1

Purpose of the loan. Values are:

1 = Purchase

2 = Refinance

3 = Loan Modification (HAMP)

4 = Loan Modification (non-HAMP)

5 = Re-Performing

9 = Not Available

LP-11 Refinance Type

Numeric 1

The type of refinance of the loan. Applies to Loan

Purpose = 2 loans only. Values are:

1 = Not Streamlined, Not Cash Out

2 = Cash Out

3 = Streamlined

LP-12 First Payment Date (First 

Scheduled Installment) Numeric 8

CCYYMMDD The date in which the first monthly installment 

payment was due in accordance with the 

mortgage/note.

LP-13 Maturity Date of Loan (Last 

Scheduled Installment) Numeric 8

CCYYMMDD The maturity date of this loan in accordance with 

mortgage/note.

LP-14 Loan Interest Rate (current

interest rate) Numeric 5

3.2 The interest rate of the loan.
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LP-15 Original Principal Balance (OPB 

at pool issuance) Numeric 15

13.2 The Original Principal Balance of the loan at pool 

issuance. The value is truncated to the thousandths 

place.

LP-16 UPB at Issuance (UPB of the 

loan at pool issuance) Numeric 15

13.2 The Unpaid Principal Balance (UPB) of the loan as of 

the reporting period. This field will be blank if the loan 

is removed within 6 months of pool issuance.

LP-17 Unpaid Principal Balance (UPB 

of the loan)

Numeric 15

13.2 The unscheduled remaining principal of the loan as of 

the reporting period. The disclosed value for this field 

will be blank for the first six months that a loan is in a 

pool. Disclosure for this field will begin it the seventh 

month.

LP-18 Original Loan Term, in Months Numeric 3 The calculated value of original term of the loan.

LP-19 Loan Age, in Months Numeric 3 The calculated value of the age of the loan.

LP-20 Remaining Loan Term 

(Remaining Maturity), in 

Months

Numeric 3

The calculated value of Remaining Term of the Loan.

LP-21 Months Delinquent (1,2,3,4,5,6 

where 6 means 6+ Scheduled 

installments due but not paid)

Numeric 1

The number of months the loan is delinquent.

LP-22 Months Pre-Paid (1,2,3,4,5,6 

where 6 means 6+ Future

scheduled installments have 

been paid)

Numeric 1

The number of months the loan is Pre-Paid.

LP-23 Loan Gross Margin (ARM Loans 

only) Numeric 4

1.3 The rate on an ARM loan added to the index to reach 

the new mortgage interest rate.

LP-24 Loan To Value (LTV) Numeric 5 3.2 The Original Loan To Value (LTV) of the loan.

LP-25 Combined LTV (CLTV) Numeric 5 3.2 The Original Combined LTV (CLTV) of the loan.

LP-26 Total Debt Expense Ratio 

Percent Numeric 5

3.2 The ratio of all debts of the borrowers to the 

borrower’s qualifying income as defined by the 

mortgage insurer or guarantor.
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LP-27 Credit Score Numeric 3 The credit score of the borrower.

LP-28 Down Payment Assistance (Yes 

or No) Character 1

An indicator of whether the borrower received gift 

funds for the loan Down Payment.

LP-29 Buy Down Status (Loan Status) 

(Yes or No) Character 1

Buy Down Status of the loan.

LP-30 Upfront MIP (insurance 

premium rate) Numeric 5

2.3 The upfront mortgage insurance premium percentage 

rate that institutions charge to insure FHA loans.

LP-31 Annual MIP (insurance 

premium rate) Numeric 5

2.3 The annual mortgage insurance premium percentage 

rate that institutions charge to insure FHA loans.

LP-32 Number of Borrowers Numeric 1 Number of Borrowers on the loan.

LP-33 First Time Home Buyer (Yes or 

No)

Character 1

An indicator for purchase loans of whether the 

borrower qualifies as a First Time Home Buyer.

Values are:

Y = Yes

N = No

LP-34 Property Type (Number of 

Living Units) Numeric 1

Number of Living Units of the property.

LP-35 State (2 character State Code) Character 2 The 2-character State Code

LP-36 MSA

Numeric 5

Code for the Metropolitan Statistical Area or 

Micropolitan Statistical Area where the property is 

located. Value is derived from the Census tract 

associated with the borrower address.

LP-37 Third-Party Origination Type

Numeric 1

Identifies the type of third party that originated the 

loan. Values are:

1 = Broker

2 = Correspondent

3 = Retail

LP-38

Current Month Liquidation Flag 

(Yes or No)

Character 1

An indicator of whether the given loan was liquidated 

in this reporting month. Values are:

Y = Yes
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N = No

LP-39

Removal Reason

Numeric 1

Reason for removal of the loan. Values are:

1 = Mortgagor Payoff 

2 = Repurchase of Delinquent Loan 

3 = Foreclosure with Claim Payment 

4 = Loss Mitigation 

5 = Substitution 

6 = Other Removal

LP-40 As of Date Numeric 6 CCYYMM Reporting period for the data.

LP-41 Loan Origination Date Numeric 8 CCYYMMDD The date of loan origination.

LP-42 Seller Issuer ID Numeric 4 The four digit identifier for the Issuer selling the pool.

LP-43 Index Type

Character 5

The type of ARM index being used for the ARM loan.

Values are:

CMT = for Constant Maturity Treasury

LIBOR = for London Interbank Offered Rate

LP-44 Look-Back Period

Numeric 2

The two-digit time period used to establish a specific 

point in time for the particular ARM Index that will be 

used to determine the interest rate change. (Used in 

conjunction with the published index tables. See

Ginnie Mae MBS Guide Chapter 26). This applies to

loans in ARM Pools only.

Values are:

“30” = 30-day look back

“45” = 45-day look back

LP-45 Interest Rate Change Date Numeric 8The date of the next interest rate change for the loan 

in an ARM pool, i.e. the date the interest rate changes.

LP-46 Initial Interest Rate Cap

Numeric 1

The maximum interest rate change amount (+/-) for 

the loan in an ARM pool, applicable only to the initial 

interest rate change.

LP-47 Subsequent Interest Rate Cap Numeric 1 The maximum interest rate change amount (+/-) for
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the loan in an ARM pool for each of the annual rate 

changes following the initial period. The Cap is 

constant for each annual change and is applied to the 

current interest rate (not the initial interest rate).

LP-48 Lifetime Interest Rate Cap Numeric 1The maximum interest rate change amount (+/-) of the 

loan in an ARM pool over the life of the loan.

LP-49 Next Interest Rate Change 

Ceiling

Numeric 5

The maximum interest rate that the loan in an ARM 

pool can have for each interest rate change. This field

will have the initial rate change ceiling during the 

initial period. After this and during each annual change 

period this field will have the ceiling for each 

respective annual change. The value in this field can 

change for each adjustment period.

LP-50 Lifetime Interest Rate Ceiling

Numeric 5

The maximum interest rate that the loan in an ARM 

pool can have for the life of the loan. This is a constant 

value for the loan and does not change over the life of 

the loan.

LP-51 Lifetime Interest Rate Floor

Numeric 5

The minimum interest rate that the loan in an ARM 

pool can have for the life of the loan. This is a constant 

value for the loan and does not change over the life of 

the loan.

LP-52 Prospective Interest Rate

Numeric 5

This data element is currently not disclosed. Ginnie

Mae will be collecting and disclosing this field in the 

future.

LP-53 Liquidation Balance (principal 

pass through)

Numeric 16 The unscheduled remaining principal of the loan that 

is being passed through, after taking into account 

scheduled principal remitted. This field will be blank if 

the loan is removed within 6 months of pool issuance.

LP-54 Number of Months 

Forbearance (Term) Character 2

The number of months forbearance (the forbearance 

term) based on scheduled installments, as reported by 

the issuer. This field will be blank if not available.
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LP-55 COVID Flag

Character 1

Values are:

Y = COVID related

N = Other type of forbearance not COVID related

U = Unknown. 

Ginnie Mae issuers report all active forbearances and 

to the extent available a flag indicating that the 

forbearance is specific to COVID circumstances or not. 

Will be “U” if not available.

LP-56 Begin Date

Numeric 8

CCYYMMDD The scheduled installment (per the loan’s amortization 

schedule), that the forbearance begins. Will be blank if 

not available.

LP-57 End Date

Numeric 8

CCYYMMDD The scheduled installment (per the loan’s amortization 

schedule), that the forbearance ends. Will be blank if 

not available.

LP-58 Forbearance “Exit” Code

Character 1

Values are: 

1 = Lump Sum Repayment Plan

2 = Installment Repayment Plan

3 = Partial Claim or Deferral

4 = Loan Mod/Loss Mitigation/Combo

5 = Loan Paid Off

6 = No Workout/No Loss Mitigation

7 = Other Type of Workout Plan

8 = Unavailable: This is used where there is a 

Forbearance Exit, but no code was available

9 = Cancelled; Loan Remained Current

U = Status Unknown for the Period. There is nothing to 

disclose.

N = The loan is not exiting forbearance this reporting 

period.

LP-59 Months Delinquent (up to 

previous 24 months)

Character 48 This is a single field with up to 24 occurrences of 

Payment History (a maximum of 48: 2 characters of 24
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periods). 

Values in Months Delinquent are: 

00 – Current

01 – 1 Month Delinquent 

02 – 2 Months Delinquent 

03 – 3 Months Delinquent 

....

99 – 99 or more Months Delinquent

XX – Data is Not Available for a Period

For loans with less than 24 months of history, the field 

will end after the final month of delinquency data.

Item Data Element Type Max Length Format Definition

TT-01 Record Type = TT Character 2 File Trailer Record

TT-02 Report Period Numeric 6 YYYYMM Reporting Period of the data in the file

TT-03 Loan Count Numeric 9 The number of loans/LP Records contained in the 

file. This count does not include the “HH” or “TT” 

records.

Loan Performance File Layout Notes:

• This layout applies to active Single Family loans only.

• Loan Performance File Naming Convention:

o Quarterly Files: “LoanPerf_YYYYMM.zip”, where “YYYY” is the four-year digit year and “MM” is the month of month 3 in the quarter.

o Annual Files: “LoanPerfAnn_YYYYMM.zip”, where “YYYY” is the four-year digit year and “MM” is the month of the final month in the 

calendar year.