Ginnie Mae HMBS Platinum Disclosure File Version 2.0

04-30-2024 Ginnie Mae HMBS Platinum Disclosure File Version 2.0 1

Ginnie Mae HMBS Platinum Disclosure File Version 2.0

Layout for Pool-Level Data for New Issuance and Monthly Portfolio Disclosure

See Version History for details
Ginnie Mae HMBS Platinum Disclosure File Version 2.0

04-30-2024 Ginnie Mae HMBS Platinum Disclosure File Version 2.0 2

Ginnie Mae HMBS Platinum Disclosure File

Document Version History

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

Version 1.1 5/01/2020. 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.

Version 2.0 04/30/2024. Version 1.1 with these changes:

(1) Converted fixed record layout to pipe-delimited, Stratified record 

layout.

(2) Added Low and Moderate Borrower Income data (see Record 

Type 10 Low and Moderate Borrower Income record). This will 

not be populated for new issuance disclosures.
Ginnie Mae HMBS Platinum Disclosure File Version 2.0

04-30-2024 Ginnie Mae HMBS Platinum Disclosure File Version 2.0 3

HMBS Platinum Disclosure Summary Characteristics

Characteristic Description

Two Physical Files HMBS Platinum Pool/Security File: Pool/Security information with one record per active

pool. This will be one physical file with single header record at beginning of file and single 

trailer record at end of file.

HMBS Platinum Pool Supplemental File: Supplemental information for all pools, with 

multiple records per pool. This will be in one physical file with single header record at 

beginning of file and single trailer record at end of file.

HMBS Platinum Pool/Security Record 

Type

One Record Type with basic information about the Pool and also provides the Security RPB, 

RPB Factor, Security Interest Rate and Weighted Averages (WA) for various attributes. The 

HMBS Platinum Pool/Security File will only contain a header, trailer, and this one record 

type for each active pool.

HMBS Platinum Pool Supplemental 

Record Types

Twelve (12) Supplemental Record Types providing extensive information about the pool 

activity and characteristics. Most of these record types have common format and 

enumeration characteristics.

Flexible Format All Records are produced as text format with Pipe (|) delimited separation between fields. 

The files will be published in compressed (zip) format. 

Population of Records and Fields HMBS Platinum Pool/Security Record will always be produced. There can be occurrences of 

“||” (bar-bar) where there is no data value for a field.

HMBS Platinum Pool Supplemental Records are “data driven” and therefore individual 

Record Types are produced based on the characteristics of the pool.

Fields within Record Types are “data driven” and therefore populated based on 

characteristics of the pool. There can be occurrences of “||” (bar-bar), where there is no data 

value for a field.

Explicit Decimal Point For fields that have values with decimal points, the HMBS Platinum Pool/Security File 

records and the HMBS Platinum Pool Supplemental File records will explicitly include the 

decimal point;

Loan Age Ginnie Mae has standardized its calculation of Loan Age to be as follows:

• Loan Age = (the difference between the YYYYMM portion of the loan 

Origination Date and the YYYYMM of the Reporting Period) + 1 month.
Ginnie Mae HMBS Platinum Disclosure File Version 2.0

04-30-2024 Ginnie Mae HMBS Platinum Disclosure File Version 2.0 4

Borrower/Coborrower/Non-borrowing 

Spouse ages

Ginnie Mae has standardized its calculation of borrower/coborrower/non-borrowing spouse 

age as follows:

• Age = (difference between the YYYYMM portion of the Birth Date and the 

YYYYMM of the Reporting Period)

Sort Order of Records HMBS Platinum Pool/Security File: Records will be sorted by Pool ID in ascending order.

HMBS Platinum Pool Supplemental File: Records will be sorted by Pool ID (ascending 

order); Record Type within Pool

Record Type Layouts—Item Number Each of the Record Type layouts in this document have an “Item” number column. The Item 

numbers are for documentation reference only, and are not included in the physical output 

record.

Daily New Issuance, and Monthly 

Portfolio

The file layouts are the same for: HMBS Platinum New Issuance, and HMBS Platinum 

Monthly Portfolio disclosures. The Low and Moderate Borrower Income Record stratification 

record (record type “10”) will not appear in the Daily Platinum New Issuance files.

Implementation Dates The Daily New Issuance Files, as well as the Monthly Portfolio files are targeted for 

production release beginning in the 4th quarter 2024.

Production Test Files (for Version 2.0) Sample Production test files for the HMBS Platinum Disclosures will be available in the 3rd

quarter 2024.

Transition Period Ginnie Mae will produce the existing HMBS Platinum Disclosure File V1.1 files and the 

HMBS Platinum Disclosure File V2.0 files, in parallel, for a period of at least 3 months.
Ginnie Mae HMBS Platinum Disclosure File Version 2.0

04-30-2024 Ginnie Mae HMBS Platinum Disclosure File Version 2.0 5

General Characteristics of the Files and Records

This section of the document provides an overview of the common characteristics of the records in the files. The detailed technical 

specification of files and record formats is in the following section of this document.

HMBS Platinum Pool/Security File—The records in this file have a single common format, where there is one record per pool with 

specified fields. This file does not have stratifications or enumerations. 

HMBS Platinum Pool Supplemental File—The records in this file are standardized and have stratifications and enumerations. 

There are 3 unique, different record layouts. 

• Unique Record Types

o Unique Record – Record Type “01”

• Common Stratification Layouts

o One-Field Stratification Records – Record Types “02” – “11”

o Two-Field Stratification Record – Record Type “12”

HMBS Platinum Pool Supplemental File Summary of Record Types and Names

Record Type Stratification 

Level

Record Name

01 None Various

02 1 Payment Option

03 1 Property Type

04 1 Age of Youngest Borrower/Co-borrower

05 1 Age of Youngest Eligible Non-Borrowing Spouse

06 1 Metropolitan Statistical Areas (MSA) Code

07 1 State Code

08 1 Loan Purpose

09 1 HECM Saver

10 1 Low and Moderate Borrower Income Record
Ginnie Mae HMBS Platinum Disclosure File Version 2.0

04-30-2024 Ginnie Mae HMBS Platinum Disclosure File Version 2.0 6

The HMBS Platinum Pool Supplemental file will contain stratification records that can be “one field” or “two field” stratifications. 

The general characteristics of each is presented below, as each particular type of stratification record will have its own common 

format. The general specification of each common format is provided as a general guide to the technical specifications.

HMBS Platinum Pool Supplemental File Record Types 02 through 11 “One Field Value” Stratification Common Record 

format

11 1 Not Available

12 2 Joint-Single Loan Indicator/Youngest Borrower or Co-Borrower Gender

Item Data Element Type Max 

Length

Format Description

01 Record Type Character 2 The Record Type value “02” through “11”. 

02 CUSIP Character 9 The unique identification number permanently assigned by the 

Committee on Uniform Securities Identification Procedures 

(CUSIP).

03 Pool ID Character 6 The Ginnie Mae unique identifier for the HMBS Platinum Pool; 

this is assigned by Ginnie Mae at pool issuance.

04 Pool Indicator Character 1 Identifies the Issue Type of the pool. This is always “H” for 

HMBS Platinum Pools.

05 Pool Type Character 2 The type of HMBS Platinum Pool. Appendix 1 provides a 

listing of pool types.

06 Field Value Character 2 Values described in Record Types “02” through “11”.

07 UPB of Participations Numeric 14 11.2 The Unpaid Principal Balance (UPB) of the participations for 

the field value.

08 UPB of Participations as a % of 

Pool UPB

Numeric 6 3.2 The UPB of the Participations as a percentage of the Pool UPB 

for the field value.
Ginnie Mae HMBS Platinum Disclosure File Version 2.0

04-30-2024 Ginnie Mae HMBS Platinum Disclosure File Version 2.0 7

HMBS Platinum Pool Supplemental File Record Type 12 “Two Field Value” Stratification Common Record format 

Item Data Element Type Max 

Length

Format Description

01 Record Type Character 2 The Record Type value “12”

02 CUSIP Character 9 The unique identification number permanently assigned by the 

Committee on Uniform Securities Identification Procedures 

(CUSIP).

03 Pool ID Character 6 The Ginnie Mae unique identifier for the HMBS Platinum Pool; 

this is assigned by Ginnie Mae at pool issuance.

04 Pool Indicator Character 1 Identifies the Issue Type of the pool. This is always “H” for 

HMBS Platinum Pools.

05 Pool Type Character 2 The type of HMBS Platinum Pool. Appendix 1 provides a 

listing of pool types.

06 Field 1 Value Character 1 Values in the first stratification field as described in Record 

Type “13”.

07 Field 2 Value Character 1 Values in the second stratification field as described in Record 

Types “13”.

08 UPB of Participations Numeric 14 11.2 The Unpaid Principal Balance (UPB) of the participations for 

the two field values.

09 UPB of Participations as a % of 

Pool UPB

Numeric 6 3.2 The UPB of the Participations as a percentage of the Pool UPB 

for the two field values.
Ginnie Mae HMBS Platinum Disclosure File Version 2.0

04-30-2024 Ginnie Mae HMBS Platinum Disclosure File Version 2.0 8

HMBS PLATINUM POOL/SECURITY FILE -- DETAILED DESCRIPTION OF THE FILE HEADER, 

FILE TRAILER, AND POOL/SECURITY DETAIL RECORD TYPES

Record Type PHP, HMBS Platinum Pool/Security File Header Record (One Header Record in the File)

Item Data Element Type Max 

Length

Format Definition

01 Record Type = PHP Character 3 File Header Record

02 Reporting Period Numeric 6 YYYYMM The monthly reporting period for the data in the file.

03 Create Date Date 8 YYYYMMDD The date that the file is produced.

Record Type PPS, HMBS Platinum Pool/Security Detail – One Record per Pool. Records are sorted by Pool ID.

Item Data Element Type Max 

Length

Format Definition

01 Record Type = PPS Character 3 HMBS Platinum Pool/Security Detail Record

02 CUSIP Number Character 9 The unique identification number permanently assigned by 

the Committee on Uniform Securities Identification 

Procedures (CUSIP).

03 Pool ID Character 6 The Ginnie Mae unique identifier for the HMBS Platinum

Pool; this is assigned by Ginnie Mae at pool issuance.

04 Pool Indicator Character 1 Identifies the Issue Type of the pool. This is always “H” for 

HMBS Platinum Pools.

05 Pool Type Character 2 The type of HMBS Platinum Pool. Appendix 1 provides a 

listing of pool types.

06 Index Type Character 5 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. 

It will be either CMT (Constant Maturity Treasury), LIBOR

(London Interbank Offered Rate), or SOFR (Secured 

Overnight Financing Rate). (SOFR implementation TBD).
Ginnie Mae HMBS Platinum Disclosure File Version 2.0

04-30-2024 Ginnie Mae HMBS Platinum Disclosure File Version 2.0 9

07 Pool Issue Date Date 8 YYYYMMDD The date the pool was issued.

08 Pool Maturity Date Date 8 YYYYMMDD The date that the HMBS Platinum Pool matures.

09 Original Aggregate 

Amount Numeric 16 13.2

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.

11 Pool Unpaid Principal 

Balance Numeric 16 13.2 The sum of the underlying collateral pool UPBs for the HMBS Platinum Pool for the reporting month.

12 Security RPB Numeric 16 13.2 The remaining principal balance for the Security.

13 RPB Factor Numeric 10 1.8 The decimal value of the Security’s Remaining Principal 

Balance divided by the Original Aggregate Amount. The 

factor is 1 at issuance, and zero in the period of final 

payment.

14 Unpaid Principal Balance 

of Participations with 

Payments

Numeric 14 11.2 The sum of Pools with Participations UPBs with Payments 

for the pools included in the HMBS Platinum Pool.

15 Percent of UPB Paid Off Numeric 6 3.2 The Paid Off UPBs of the HMBS Platinum Pool expressed as 

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

16 Average Original 

Participation Size (AOPS) Numeric 9 6.2

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.

17 Current Period Average 

Balance

Numeric 14 11.2 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. 

18 Original Security Interest 

Rate (WAC)

Numeric 6 2.3 The Weighted Average Security Interest Rate (WAC) of the 

HMBS Platinum pool at pool issuance. The HMBS Platinum 

Pool Weighted Average Security Interest 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.

19 Current Security Interest 

Rate (WAC)

Numeric 6 2.3 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 
Ginnie Mae HMBS Platinum Disclosure File Version 2.0

04-30-2024 Ginnie Mae HMBS Platinum Disclosure File Version 2.0 10

corresponding current security rate of the collateral pool of 

each of the HMBS pools (and if applicable HMBS Platinum 

pools) in the Platinum pool.

20 Prospective Security 

Interest Rate Numeric 6 2.3 The prospective WAC of the pool. This is the rate that will be in effect for the next report period.

21 WA Loan Age (WALA) of 

the Participations 

Numeric 3 9(3) The average Loan age (based on HECM Loan Origination 

date) for all the participations in the collateral pools, 

weighted by the UPB of the participations that are in the 

collateral pools.

22 WA Expected Mortgage 

Interest Rate

Numeric 6 2.3 Weighted Average of Expected Average Mortgage Interest 

Rate for each loan represented by the participations in the

collateral pools. The Expected Average Mortgage Interest 

Rate is the original expected average mortgage interest.

Record Type PTP, HMBS Platinum Pool/Security File Trailer Record (One Record in the Pool Security File)

Item Data Element Type Max 

Length

Format Definition

01 Record Type = PTP Character 3 File Trailer Record

02 Reporting Period Numeric 6 YYYYMM The monthly reporting period for the data in the file.

03 File Create Date Date 8 YYYYMMDD The date that the file is produced.

04 Detail Record Count Numeric 8 Control total of the total number of records with Record Type = 

“PPS” in the file.

HMBS PLATINUM POOL SUPPLEMENTAL FILE -- DETAILED DESCRIPTION OF THE HEADER, 

TRAILER, AND RECORD TYPES
Ginnie Mae HMBS Platinum Disclosure File Version 2.0

04-30-2024 Ginnie Mae HMBS Platinum Disclosure File Version 2.0 11

HMBS Platinum Pool Supplemental File Header Record (One Record in the HMBS Platinum Pool Supplemental File), Record 

Type PHS

Item Data Element Type Max 

Length

Format Definition

01 Record Type = PHS Character 3 File Header Record

02 Reporting Period Numeric 6 YYYYMM The monthly reporting period for the data in the file.

03 Create Date Date 8 YYYYMM

DD

The date that the file is produced.

Record Type 01 Various Record

Item Data Element Type Max 

Length

Format Definition

01 Record Type = 01 Character 2 Various Record

02 CUSIP Character 9 The unique identification number permanently assigned by the 

Committee on Uniform Securities Identification Procedures 

(CUSIP).

03 Pool ID Character 6 The Ginnie Mae unique identifier for the HMBS Platinum

Pool; this is assigned by Ginnie Mae at pool issuance.

04 Pool Indicator Character 1 Identifies the Issue Type of the pool. This is always “H” for 

HMBS Platinum Pools.

05 Pool Type Character 2 The type of HMBS Platinum Pool. Appendix 1 provides a 

listing of pool types.

06 Eligible Non-Borrowing Spouse 

UPB of Participations

Numeric 14 11.2 The total Unpaid Principal Balance (UPB) of the 

participations that are associated with a loan that has one or 

more Eligible Non-Borrowing Spouses, for the pools included 

in the HMBS Platinum Pool.
Ginnie Mae HMBS Platinum Disclosure File Version 2.0

04-30-2024 Ginnie Mae HMBS Platinum Disclosure File Version 2.0 12

07 Eligible Non-Borrowing Spouse 

UPB of Participations as % of Pool 

UPB

Numeric 6 3.2 Total UPB of the participations in the pool associated with a 

loan that has one or more Eligible Non-Borrowing Spouses, 

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

This UPB percentage is calculated by dividing the total 

participation UPB of the given condition (Eligible NonBorrowing Spouse) by the HMBS Platinum Pool’s UPB. 

08 Remaining Property Charges Set 

Aside UPB of Participations

Numeric 14 11.2 Total UPB of the participations associated with a loan that has 

a non-zero Remaining Property Charges Set Aside amount, for 

the pools included in the HMBS Platinum Pool.

09 Remaining Property Charges Set 

Aside UPB of Participations as % 

of Pool UPB

Numeric 6 3.2 Total UPB of the participations in the pool associated with a 

loan that has a non-zero Remaining Property Charges Set 

Aside amount, expressed as a percentage of the HMBS 

Platinum Pool’s UPB. This UPB percentage is calculated by 

dividing the total participation UPB of the given condition 

(Remaining Property Charges Set Aside) by the HMBS 

Platinum Pool’s UPB. 
Ginnie Mae HMBS Platinum Disclosure File Version 2.0

04-30-2024 Ginnie Mae HMBS Platinum Disclosure File Version 2.0 13

Stratification Records: Record Types 02-11

Record Type 02 Payment Option Record

Item Data Element Type Max 

Length

Format Definition

01 Record Type = 02 Character 2 Payment Option Stratification

02 CUSIP Character 9 The unique identification number permanently assigned by the 

Committee on Uniform Securities Identification Procedures 

(CUSIP).

03 Pool ID Character 6 The Ginnie Mae unique identifier for the HMBS Platinum

Pool; this is assigned by Ginnie Mae at pool issuance.

04 Pool Indicator Character 1 Identifies the Issue Type of the pool. This is always “H” for 

HMBS Platinum Pools.

05 Pool Type Character 2 The type of HMBS Platinum Pool. Appendix 1 provides a 

listing of pool types.

06 Payment Option Numeric 1 The method to receive payment(s) that was selected by the 

borrower associated with the HECM loan as of the Pool Issue 

Date: 

1 = tenure

2 = term

3 = line of credit

4 = modified term

5 = modified tenure

6 = single disbursement lump sum (for fixed rate HECMs with 

an FHA case number assigned on or after September 30, 2013)

9 = Not Available

07 UPB of Participations Numeric 14 11.2 The total Unpaid Principal Balance (UPB) of the 

participations associated with a loan that has the Payment 

Option value, for the pools included in the HMBS Platinum 

Pool.
Ginnie Mae HMBS Platinum Disclosure File Version 2.0

04-30-2024 Ginnie Mae HMBS Platinum Disclosure File Version 2.0 14

Record Type 03 Property Type Record

08 UPB of Participations as % of Pool 

UPB

Numeric 6 3.2 Total UPB of the participations in the pool associated with a 

loan that has the Payment Option value, expressed as a 

percentage of the HMBS Platinum Pool’s UPB. This UPB 

percentage is calculated by dividing the total participation 

UPB of the given condition (Payment Option) by the HMBS 

Platinum Pool’s UPB. 

Item Data Element Type Max 

Length

Format Definition

01 Record Type = 03 Character 2 Property Type Stratification

02 CUSIP Character 9 The unique identification number permanently assigned by the 

Committee on Uniform Securities Identification Procedures 

(CUSIP).

03 Pool ID Character 6 The Ginnie Mae unique identifier for the HMBS Platinum

Pool; this is assigned by Ginnie Mae at pool issuance.

04 Pool Indicator Character 1 Identifies the Issue Type of the pool. This is always “H” for 

HMBS Platinum Pools.

05 Pool Type Character 2 The type of HMBS Platinum Pool. Appendix 1 provides a 

listing of pool types.

06 Property Type Numeric 1 The type of property: 

1 = Single Family

2 = Condominium

3 = Manufactured Housing

4 = Planned Unit Development

9 = Not Available

07 UPB of Participations Numeric 14 11.2 The total Unpaid Principal Balance (UPB) of the 

participations associated with a loan that has the Property 

Type value, for the pools included in the HMBS Platinum 

Pool.
Ginnie Mae HMBS Platinum Disclosure File Version 2.0

04-30-2024 Ginnie Mae HMBS Platinum Disclosure File Version 2.0 15

Record Type 04 Age of Youngest Borrower/Co-borrower Record

08 UPB of Participations as % of Pool 

UPB

Numeric 6 3.2 Total UPB of the participations in the pool associated with a 

loan that has the Property Type value, expressed as a 

percentage of the HMBS Platinum Pool’s UPB. This UPB 

percentage is calculated by dividing the total participation 

UPB of the given condition (Property Type) by the HMBS 

Platinum Pool’s UPB. 

Item Data Element Type Max 

Length

Format Definition

01 Record Type = 04 Character 2 Age of Youngest Borrower/Co-borrower Stratification

02 CUSIP Character 9 The unique identification number permanently assigned by the 

Committee on Uniform Securities Identification Procedures 

(CUSIP).

03 Pool ID Character 6 The Ginnie Mae unique identifier for the HMBS Platinum

Pool; this is assigned by Ginnie Mae at pool issuance.

04 Pool Indicator Character 1 Identifies the Issue Type of the pool. This is always “H” for 

HMBS Platinum Pools.

05 Pool Type Character 2 The type of HMBS Platinum Pool. Appendix 1 provides a 

listing of pool types.

06 Age of Youngest Borrower/CoborrowerNumeric 2 Age is computed from Birth Date, and is the age of the 

youngest Borrower/Co-borrower who is at least 62 years old: 

1 = Age is 62-65

2 = Age is 66-70

3 = Age is 71-75

4 = Age is 76-80

5 = Age is 81-85

6 = Age is 86-90

7 = Age is 91-95

8 = Age is 96-100

9 = Age is 100 +
Ginnie Mae HMBS Platinum Disclosure File Version 2.0

04-30-2024 Ginnie Mae HMBS Platinum Disclosure File Version 2.0 16

Record Type 05 Age of Youngest Eligible Non-Borrowing Spouse Record

10 = Not Available

07 UPB of Participations Numeric 14 11.2 The total Unpaid Principal Balance (UPB) of the 

participations associated with a loan that has a youngest 

borrower/co-borrower with an age in the borrower/coborrower grouping for the pools included in the HMBS 

Platinum Pool.

08 UPB of Participations as % of Pool 

UPB

Numeric 6 3.2 Total UPB of the participations in the pool associated with a 

loan that has a youngest borrower/co-borrower with an age in 

the borrower/co-borrower grouping, expressed as a percentage 

of the HMBS Platinum Pool’s UPB. This UPB percentage is 

calculated by dividing the total participation UPB of the given 

condition (youngest borrower/co-borrower age group) by the

HMBS Platinum Pool’s UPB. 

Item Data Element Type Max 

Length

Format Definition

01 Record Type = 05 Character 2 Age of Youngest Eligible Non-Borrowing Spouse

Stratification

02 CUSIP Character 9 The unique identification number permanently assigned by the 

Committee on Uniform Securities Identification Procedures 

(CUSIP).

03 Pool ID Character 6 The Ginnie Mae unique identifier for the HMBS Platinum

Pool; this is assigned by Ginnie Mae at pool issuance.

04 Pool Indicator Character 1 Identifies the Issue Type of the pool. This is always “H” for 

HMBS Platinum Pools.

05 Pool Type Character 2 The type of HMBS Platinum Pool. Appendix 1 provides a 

listing of pool types.

06 Age of Youngest Eligible NonBorrowing SpouseNumeric 2 Age is computed from Birth Date and is the age of the 

youngest eligible Non-Borrowing Spouse (if any): 
Ginnie Mae HMBS Platinum Disclosure File Version 2.0

04-30-2024 Ginnie Mae HMBS Platinum Disclosure File Version 2.0 17

Record Type 06 Metropolitan Statistical Areas (MSA) Code Record

1 = Age is under 40

2 = Age is 40-49

3 = Age is 50-59

4 = Age is 60-69

5 = Age is 70-79

6 = Age is 80+

9 = Not Available

07 UPB of Participations Numeric 14 11.2 The total Unpaid Principal Balance (UPB) of the 

participations associated with a loan where the youngest 

eligible non-borrowing spouse has an age in the eligible nonborrowing spouse age grouping, for the pools included in the 

HMBS Platinum Pool.

08 UPB of Participations as % of Pool 

UPB

Numeric 6 3.2 Total UPB of the participations in the pool associated with a 

loan where the youngest eligible non-borrowing spouse has an 

age in the eligible non-borrowing spouse age grouping, 

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

This UPB percentage is calculated by dividing the total 

participation UPB of the given condition (youngest eligible 

non-borrowing spouse age group) by the HMBS Platinum

Pool’s UPB. 

Item Data Element Type Max 

Length

Format Definition

01 Record Type = 06 Character 2 Metropolitan Statistical Area (MSA) Stratification for each 

MSA applicable to the pool.
Ginnie Mae HMBS Platinum Disclosure File Version 2.0

04-30-2024 Ginnie Mae HMBS Platinum Disclosure File Version 2.0 18

Record Type 07 State Code Record

02 CUSIP Character 9 The unique identification number permanently assigned by the 

Committee on Uniform Securities Identification Procedures 

(CUSIP).

03 Pool ID Character 6 The Ginnie Mae unique identifier for the HMBS Platinum

Pool; this is assigned by Ginnie Mae at pool issuance.

04 Pool Indicator Character 1 Identifies the Issue Type of the pool. This is always “H” for 

HMBS Platinum Pools.

05 Pool Type Character 2 The type of HMBS Platinum Pool. Appendix 1 provides a 

listing of pool types.

06 MSA Numeric 5 The MSA values and the MSA Not Available are provided.

Values are:

• the MSA value

• 99999 = MSA Not Available

07 UPB of Participations Numeric 14 11.2 The total Unpaid Balance (UPB) of the participations in the 

pool for the MSA Value, for the pools included in the HMBS 

Platinum Pool.

08 UPB of Participations as % of Pool 

UPB

Numeric 6 3.2 Total UPB of the participations in the pool for the MSA value, 

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

This UPB percentage is calculated by dividing the total 

participation UPB of the given condition (MSA value) by the

HMBS Platinum Pool’s UPB.

Item Data Element Type Max 

Length

Format Definition

01 Record Type = 07 Character 2 Property State Stratification
Ginnie Mae HMBS Platinum Disclosure File Version 2.0

04-30-2024 Ginnie Mae HMBS Platinum Disclosure File Version 2.0 19

Record Type 08 Loan Purpose Record

02 CUSIP Character 9 The unique identification number permanently assigned by the 

Committee on Uniform Securities Identification Procedures 

(CUSIP).

03 Pool ID Character 6 The Ginnie Mae unique identifier for the HMBS Platinum

Pool; this is assigned by Ginnie Mae at pool issuance.

04 Pool Indicator Character 1 Identifies the Issue Type of the pool. This is always “H” for 

HMBS Platinum Pools.

05 Pool Type Character 2 The type of HMBS Platinum Pool. Appendix 1 provides a 

listing of pool types.

06 State Code Character 2 The abbreviation of the state or territory where the loan 

property exists. See Appendix 2 for a listing of state codes.

07 UPB of Participations Numeric 14 11.2 The total Unpaid Balance (UPB) of the participations in the 

pool for the State Code value, for the pools included in the 

HMBS Platinum Pool.

08 UPB of Participations as % of Pool 

UPB

Numeric 6 3.2 Total UPB of the participations in the pool for the State Code

value, expressed as a percentage of the HMBS Platinum

Pool’s UPB. This UPB percentage is calculated by dividing 

the total participation UPB of the given condition (State Code

value) by the HMBS Platinum Pool’s UPB.

Item Data Element Type Max 

Length

Format Definition

01 Record Type = 08 Character 2 Loan Purpose Stratification

02 CUSIP Character 9 The unique identification number permanently assigned by the 

Committee on Uniform Securities Identification Procedures 

(CUSIP).

03 Pool ID Character 6 The Ginnie Mae unique identifier for the HMBS Platinum

Pool; this is assigned by Ginnie Mae at pool issuance.
Ginnie Mae HMBS Platinum Disclosure File Version 2.0

04-30-2024 Ginnie Mae HMBS Platinum Disclosure File Version 2.0 20

Record Type 09 HECM Saver Record

04 Pool Indicator Character 1 Identifies the Issue Type of the pool. This is always “H” for 

HMBS Platinum Pools.

05 Pool Type Character 2 The type of HMBS Platinum Pool. Appendix 1 provides a 

listing of pool types.

06 Loan Purpose Numeric 1 Loan Purpose: 

1 = HECM Traditional

2 = HECM Refinance

3 = HECM Purchase

9 = Not Available

07 UPB of Participations Numeric 14 11.2 The total Unpaid Principal Balance (UPB) of the 

participations associated with a loan that has the Loan Purpose

value, for the pools included in the HMBS Platinum Pool.

08 UPB of Participations as % of Pool 

UPB

Numeric 6 3.2 Total UPB of the participations in the pool associated with a 

loan that has the Loan Purpose value, expressed as a 

percentage of the HMBS Platinum Pool’s UPB. This UPB 

percentage is calculated by dividing the total participation 

UPB of the given condition (Loan Purpose) by the HMBS 

Platinum Pool’s UPB. 

Item Data Element Type Max 

Length

Format Definition

01 Record Type = 09 Character 2 HECM Saver Stratification

02 CUSIP Character 9 The unique identification number permanently assigned by the 

Committee on Uniform Securities Identification Procedures 

(CUSIP).

03 Pool ID Character 6 The Ginnie Mae unique identifier for the HMBS Platinum

Pool; this is assigned by Ginnie Mae at pool issuance.
Ginnie Mae HMBS Platinum Disclosure File Version 2.0

04-30-2024 Ginnie Mae HMBS Platinum Disclosure File Version 2.0 21

Record Type 10 Low and Moderate Borrower Income Record

04 Pool Indicator Character 1 Identifies the Issue Type of the pool. This is always “H” for 

HMBS Platinum Pools.

05 Pool Type Character 2 The type of HMBS Platinum Pool. Appendix 1 provides a 

listing of pool types.

06 HECM Saver Numeric 1 HECM Saver: 

Y = Saver

N = Standard

07 UPB of Participations Numeric 14 11.2 The total Unpaid Principal Balance (UPB) of the 

participations associated with a loan that has the HECM Saver

value, for the pools included in the HMBS Platinum Pool.

08 UPB of Participations as % of Pool 

UPB

Numeric 6 3.2 Total UPB of the participations in the pool associated with a 

loan that has the HECM Saver value, expressed as a 

percentage of the HMBS Platinum Pool’s UPB. This UPB 

percentage is calculated by dividing the total participation 

UPB of the given condition (HECM Saver) by the HMBS 

Platinum Pool’s UPB. 

Item Data Element Type Max 

Length

Format Definition

01 Record Type = 10 Character 2 Low and Moderate Borrower Income Stratification. Pools 

with Low and Moderate Borrower Income characteristics 

based on Federal Financial Institutions Examination Council 

(FFIEC) data. This record includes participations in pools 

issued January 2012 and thereafter. Not populated/provided 

for new issuance disclosures.

02 CUSIP Character 9 The unique identification number permanently assigned by the 

Committee on Uniform Securities Identification Procedures 

(CUSIP).

03 Pool ID Character 6 The Ginnie Mae unique identifier for the HMBS Platinum

Pool; this is assigned by Ginnie Mae at pool issuance.
Ginnie Mae HMBS Platinum Disclosure File Version 2.0

04-30-2024 Ginnie Mae HMBS Platinum Disclosure File Version 2.0 22

Note: The Low and Moderate Income record is not provided in the HMBS Platinum New Issuance disclosure.

Record Type 11 Not Available Record

04 Pool Indicator Character 1 Identifies the Issue Type of the pool. This is always “H” for 

HMBS Platinum Pools.

05 Pool Type Character 2 The type of HMBS Platinum Pool. Appendix 1 provides a 

listing of pool types.

06 Low and Moderate Borrower 

Income

Character 1 Values are:

Y = Borrower Income is Less than 80% of the FFIEC Median 

Family Income (MFI)

N = Borrower Income is Greater than or Equal to 80% of the 

FFIEC Median Family Income (MFI)

9 = Not available

07 UPB of Participations Numeric 14 11.2 The total Unpaid Principal Balance (UPB) of the 

participations associated with a loan that has the Low and 

Moderate Borrower Income value, for the pools included in 

the HMBS Platinum Pool.

08 UPB of Participations as % of Pool 

UPB

Numeric 6 3.2 Total UPB of the participations in the pool associated with a 

loan that has the Low and Moderate Borrower Income value, 

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

This UPB percentage is calculated by dividing the total 

participation UPB of the given condition (Low and Moderate

Borrower Income) by the HMBS Platinum Pool’s UPB. 

Item Data Element Type Max 

Length

Format Definition

01 Record Type = 11 Character 2 Not Available Stratification

02 CUSIP Character 9 The unique identification number permanently assigned by the 

Committee on Uniform Securities Identification Procedures 

(CUSIP).
Ginnie Mae HMBS Platinum Disclosure File Version 2.0

04-30-2024 Ginnie Mae HMBS Platinum Disclosure File Version 2.0 23

03 Pool ID Character 6 The Ginnie Mae unique identifier for the HMBS Platinum

Pool; this is assigned by Ginnie Mae at pool issuance.

04 Pool Indicator Character 1 Identifies the Issue Type of the pool. This is always “H” for 

HMBS Platinum Pools.

05 Pool Type Character 2 The type of HMBS Platinum Pool. Appendix 1 provides a 

listing of pool types.

06 Not Available Numeric 2 Values are:

1 = Expected Average Mortgage Interest Rate

2 = Remaining Property Charges Set Aside Amount

3 = Eligible Non-Borrowing Spouse

07 UPB of Participations Numeric 14 11.2 The total Unpaid Principal Balance (UPB) of the 

participations associated with a loan that has the Not Available

Value, for the pools included in the HMBS Platinum Pool.

08 UPB of Participations as % of Pool 

UPB

Numeric 6 3.2 Total UPB of the participations in the pool associated with a 

loan that has the Not Available Value, expressed as a 

percentage of the HMBS Platinum Pool’s UPB. This UPB 

percentage is calculated by dividing the total participation 

UPB of the Not Available Condition by the HMBS Platinum

Pool’s UPB..
Ginnie Mae HMBS Platinum Disclosure File Version 2.0

04-30-2024 Ginnie Mae HMBS Platinum Disclosure File Version 2.0 24

Record Type 12 Joint-Single Loan Indicator / Youngest Borrower or Co-borrower Gender Record. Two-Field Stratification

Item Data Element Type Max 

Length

Format Definition

01 Record Type = 12 Character 2 Joint-Single Loan Indicator / Youngest Borrower or Coborrower Gender Stratification

02 CUSIP Character 9 The unique identification number permanently assigned by the 

Committee on Uniform Securities Identification Procedures 

(CUSIP).

03 Pool ID Character 6 The Ginnie Mae unique identifier for the HMBS Platinum

Pool; this is assigned by Ginnie Mae at pool issuance.

04 Pool Indicator Character 1 Identifies the Issue Type of the pool. This is always “H” for 

HMBS Platinum Pools.

05 Pool Type Character 2 The type of HMBS Platinum Pool. Appendix 1 provides a 

listing of pool types.

06 Joint/Single Loan Indicator Numeric 1 Joint/Single Loan Indicator. Values are:

1 = Single

2 = Joint

07 Youngest Borrower/Co-borrower 

Gender

Character 1 Gender of the youngest borrower/co-borrower. Values are:

F = Female

M = Male

9 = Not Available

08 UPB of Participations Numeric 14 11.2 The total Unpaid Principal Balance (UPB) of the 

participations associated with a loan that has the Joint-Single 

Loan Indicator value/Gender value combination, for the pools 

included in the HMBS Platinum Pool.

09 UPB of Participations as % of Pool 

UPB

Numeric 6 3.2 Total UPB of the participations in the pool associated with a 

loan that has the Joint-Single Loan Indicator value/Gender

value combination, expressed as a percentage of the HMBS 

Platinum Pool’s UPB. This UPB percentage is calculated by 

dividing the total participation UPB of the given combination

(Joint-Single Loan Indicator value/Gender value) by the 

HMBS Platinum Pool’s UPB.
Ginnie Mae HMBS Platinum Disclosure File Version 2.0

04-30-2024 Ginnie Mae HMBS Platinum Disclosure File Version 2.0 25

HMBS Platinum Pool Supplemental File Trailer Record (One Record in the HMBS Platinum Pool Supplemental File), Record 

Type PTS

Item Data Element Type Max 

Length

Format Definition

01 Record Type = PTS Character 3 File Trailer Record

02 Reporting Period Numeric 6 YYYYMM The monthly reporting period for the data in the file.

03 File Create Date Date 8 YYYYMMDD The date that the file is produced.

04 Detail Record Count Numeric 12 Control total of the total number of HMBS Platinum Pool 

Supplemental records in the file. This count will not 

include PHS or PTS records.
Ginnie Mae HMBS Platinum Disclosure File Version 2.0

04-30-2024 Ginnie Mae HMBS Platinum Disclosure File Version 2.0 26

APPENDIX 1 – GINNIE MAE HMBS PLATINUM POOL TYPES

HMBS Platinum 

s. A

Pool Type Description of Collateral in the HMBS Platinum Pool

s. Al

PA Contains pools with one-year adjustable rate HECM loans, one-year CMT Index, 2/5 

cap structure. Allowable Collateral of “RA” and “PA”.

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

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

PC Contains pools with one-year adjustable rate HECM loans, one-year LIBOR Index, 2/5 

cap structure. Allowable Collateral of “AL” and “PC”.

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

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

PE Contains pools with one-year adjustable rate HECM loans, one-year SOFR Index. 

Allowable Collateral of “SA” and “PE”. 

PF Contains pools with Fixed Rate HECM loans. lowable Collateral of “RF” and “PF”.