Ginnie Mae MBS Liquidated/Terminated Loan Level Disclosure File Version 1.1

Version 1.1 02/01/2021 1 Ginnie Mae MBS Liquidated/Terminated

Loan Level Disclosure

Ginnie Mae MBS Liquidated/Terminated Loan Level Disclosure File Version 1.1

Version 1.1: Effective for Disclosure Files beginning with the March 2021 Quarterly data

See Version History for details.
Ginnie Mae MBS Liquidated/Terminated Loan Level Disclosure File Version 1.1

Version 1.1 02/01/2021 2 Ginnie Mae MBS Liquidated/Terminated

Loan Level Disclosure
Ginnie Mae MBS Liquidated/Terminated Loan Level Disclosure File Version 1.1

Version 1.1 02/01/2021 3 Ginnie Mae MBS Liquidated/Terminated

Loan Level Disclosure

Ginnie Mae MBS Liquidated/Terminated Loan Level Disclosure File Version 1.1

Document Version History

Version 1.0 06/04/2014 Initial Version

Version 1.1 02/01/2021 Version 1.0 with this revision:

The addition of one new value, “5 = Re-performing” to 

Field 6, “Loan Purpose” in the “L” Record. The addition of

this value does not change the field length or the total record 

length for the “L” Record: the “L” Record length remains 

as 142.
Ginnie Mae MBS Liquidated/Terminated Loan Level Disclosure File Version 1.1

Version 1.1 02/01/2021 4 Ginnie Mae MBS Liquidated/Terminated

Loan Level Disclosure

Summary of the Record Types in the File. All records/fields are fixed length.

Organization of Records within the File—Sorted by Pool Record then Loan Records in the 

Pool. All loan records for a pool occur together in the file; then the next pool with its loan

records; and so on.

Record Type Short Description Occurs in the File

H Overall File Header One Per File

P Pool Header Record One Record Per Pool

L Loan Level Record One Record Per Liquidated or Terminated

Loan in the Pool

T Pool Trailer Record One Record Per Pool

Z Overall File Trailer One Per File

LAYOUT NOTES: 

(1) This document provides the layout and specification for a one-time disclosure of 

liquidated and terminated loan single-family loan data for the period October 2009 

through September 2013. This same layout and specification will be used for an ongoing

quarterly disclosure of recently terminated loan data. The one-time file will contain 

terminated loans through May 2014. Therefore, terminated loans will be disclosed in a 

quarterly file.

a. Liquidated loans are those loans liquidated from the pool by the issuer in the 

course of servicing the pool while the pool is/was active.

b. Terminated loans are those loans that were still active in the pool at the time the 

MBS security paid off (principal paid off) and the pool terminated. Such loans are 

marked as liquidated but have no actual liquidation record.

(2) All records/fields are fixed length.

(3) The record order of the file is as follows:

a. File Header, 1

st Record in the file

(b, c and d repeat for each of the pools in the file)

b. Pool Header Record

c. Loan Level Records for all liquidated or terminated loans in the Pool

d. Pool Trailer Record

e. File Trailer, final Record in the file.

(4) Data in the layout is provided when available. If a data item is not available for a loan, 

blanks will be output for that field. Some fields on the “L” record the data is subject to 

point in time data collection and these fields have “begin” dates specified in the field
Ginnie Mae MBS Liquidated/Terminated Loan Level Disclosure File Version 1.1

Version 1.1 02/01/2021 5 Ginnie Mae MBS Liquidated/Terminated

Loan Level Disclosure

descriptions in this document, indicating that before that date, a value may not have been 

collected.

(5) Field 36 “Liquidation/Termination Date”, will be populated with either the Liquidation 

Date (for liquidated loans) of the Termination Date (for terminated loans). A liquidated

loan is indicated when the value of Field 35, “Removal Reason”, is non-blank. A

terminated loan in indicated when the value of Field 35, “Removal Reason”, is blank.

(6) Blanks will always be output for the following fields:

• Original Loan Term

• Loan Age

• Remaining Loan Term

• Months Delinquent

• Months Pre-Paid

• Current Month Liquidation Flag
Ginnie Mae MBS Liquidated/Terminated Loan Level Disclosure File Version 1.1

Version 1.1 02/01/2021 6 Ginnie Mae MBS Liquidated/Terminated

Loan Level Disclosure

Record Type H

Overall File Header Record

Item Data Item Begin End Type Length Remarks

1 Record Type H = File Header 1 1 Character 1 X

2

File Name 

(GNMA_MBS_LQ_XXX_CCYYMM) 2 23 Character 22 X(22)

3 File Number 24 26 Numeric 3 9(3)

4

Correction Flag (If a replacement of previous 

file) 27 27 Character 1 X

5 As of Date (CCYYMM) 28 33 Numeric 6 9(6)

6 Date File Generated (CCYYMMDD) 34 41 Numeric 8 9(8)

Length of Record 41

1. Record Type: “H” for File Header

2. File Name: “GNMA_MBS_LQ_XXX_CCYYMM” where XXX is ONE for the one-time disclosure of liquidated 

and terminated loans, or QTR for the quarterly refresh of new Terminated loans; and CCYYMM is the 

same value as “As-of-Date”

3. File Number: Number from 001 to 999 indicating which segment of split file this file is

4. File Correction Flag: Y (correction) or N (original) to indicate if this file is a correction of an earlier version 

of the same file

5. As-Of Date: Reporting Period of the data in the file

6. Date File Generated: The date the file was created

Pool Record Type P

Single Family Pools -- One Record per Pool

Each Pool Record Followed by the Loan Level (L) Records for the pool

Item Data Item Begin End Type Length Remarks

1 Record Type P=Pool Information 1 1 Character 1 X

2 CUSIP Number 2 10 Character 9 X(9)

3 Pool ID 11 16 Character 6 X(6)

4 Issue Type (X, C, or M) 17 17 Character 1 X

5 Pool Type 18 19 Character 2 X(2)

6 Pool Issue Date 20 27 Numeric 8 9(8)

7 Issuer ID 28 31 Numeric 4 9(4)

8 As of Date (CCYYMM) 32 37 Numeric 6 9(6)

Length of Record 37

1. Record Type: “P” for Pool Header

2. CUSIP Number: A nine character unique identifier for the MBS security for the pool.

3. Pool ID: The six character identifier for the pool.

4. Issue Type: The one character issue type for the pool (X, C, or M).

5. Pool Type: The two character pool type for the pool (see Ginnie Mae Guide, Chapter 1).

6. Pool Issue Date: The date the given pool was issued (CCYYMMDD).

7. Issuer ID: The four-digit identifier for the pool’s issuer. This will be blank for Multi-Issuer Pools.

8. As-Of Date: The end month for which the file is produced. For the one time file, it is through June 2014. 

For quarterly files, it is the last month of the quarter.
Ginnie Mae MBS Liquidated/Terminated Loan Level Disclosure File Version 1.1

Version 1.1 02/01/2021 7 Ginnie Mae MBS Liquidated/Terminated

Loan Level Disclosure

Loan Level Record Type L

One record for each Liquidated/Terminated Loan in the pool

For MULTI ISSUER Pools, the Pool will have a Pool Header and all liquidated/terminated 

loans in the Multi Issuer pool

Item Data Item Begin End Type Length Remarks

1 Record Type L=Loan Level Details 1 1 Character 1 X

2 Pool ID 2 7 Character 6 X(6)

3

Disclosure Sequence Number (A sequence number 

unique to loan level) 8 17 Numeric 10 10(9)

4 Issuer ID (including for loan packages in MIP pool) 18 21 Numeric 4 9(4)

5 Agency (Agency Loan Type FHA, VA, RD, NA) 22 22 Character 1 X

6 Loan Purpose 23 23 Numeric 1 9

7 Refinance Type 24 24 Numeric 1 9

8 First Payment Date (First Scheduled Installment) 25 32 Numeric 8 9(8)

9 Maturity Date of Loan (Last Scheduled Installment) 33 40 Numeric 8 9(8)

10 Loan Interest Rate (current interest rate) 41 45 Numeric 5 9(2)v9(3)

11 Original Principal Balance (OPB at pool issuance) 46 56 Numeric 11 9(9)v9(2)

12 UPB at Issuance (UPB of the loan at pool issuance) 57 67 Numeric 11 9(9)v9(2)

13 Unpaid Principal Balance (UPB of the loan) 68 78 Numeric 11 9(9)v9(2)

14 Original Loan Term, in Months 79 81 Numeric 3 9(3)

15 Loan Age, in Months 82 84 Numeric 3 9(3)

16

Remaining Loan Term (Remaining Maturity), in 

Months 85 87 Numeric 3 9(3)

17

Months Delinquent (1,2,3,4,5,6 where 6 means 6+ 

Scheduled installments due but not paid) 88 88 Numeric 1 9

18

Months Pre-Paid (1,2,3,4,5,6 where 6 means 6+ 

Future scheduled installments have been paid ) 89 89 Numeric 1 9

19 Loan Gross Margin (ARM Loans only) 90 93 Numeric 4 9v9(3)

20 Loan To Value (LTV) 94 98 Numeric 5 9(3)v9(2)

21 Combined LTV (CLTV) 99 103 Numeric 5 9(3)v9(2)

22 Total Debt Expense Ratio Percent 104 108 Numeric 5 9(3)v9(2)

23 Credit Score 109 111 Numeric 3 9(3)

24 Down Payment Assistance (Yes or No) 112 112 Character 1 X

25 Buy Down Status (Loan Status) (Yes or No) 113 113 Character 1 X

26 Upfront MIP (insurance premium rate) 114 118 Numeric 5 9(2)v9(3)

27 Annual MIP (insurance premium rate) 119 123 Numeric 5 9(2)v9(3)

28 Number of Borrowers 124 124 Numeric 1 9

29 First Time Home Buyer (Yes or No) 125 125 Character 1 X

30 Property Type (Number of Living Units) 126 126 Numeric 1 9

31 State (2 character State Code) 127 128 Character 2 X(2)

32 MSA 129 133 Numeric 5 9(5)

33 Third-Party Origination Type 134 134 Numeric 1 9

34 Current Month Liquidation Flag (Yes or No) 135 135 Character 1 X

35 Removal Reason 136 136 Numeric 1 9

37 Liquidation/Termination Date (CCYYMM) 137 142 Numeric 6 9(6)

Length of Record 142

1. Record Type: “L” for Loan Level record

2. Pool ID: The Ginnie Mae Pool identifier; the number assigned by Ginnie Mae at pooling to the pool.

3. Disclosure Sequence Number: A number used for each loan to identify it distinctly for data disclosures.
Ginnie Mae MBS Liquidated/Terminated Loan Level Disclosure File Version 1.1

Version 1.1 02/01/2021 8 Ginnie Mae MBS Liquidated/Terminated

Loan Level Disclosure

4. Issuer ID: The four digit identifier for the pool’s issuer.

5. Agency: Identifier of the government agency

F = Federal Housing Administration

V = Veterans Administration

R = Rural Development

N = Native American

6. Loan Purpose: The purpose of the loan. Data collection began in February 2010.

1 = Purchase

2 = Refinance

3 = Loan Modification (HAMP)

4 = Loan Modification (non-HAMP)

5 = Re-performing

7. Refinance Type: The type of refinance of the loan. Data collection began in September 2012.

1 = Not Streamlined, Not Cash Out

2 = Cash Out

3 = Streamlined

8. First Payment Date (First Scheduled Installment): The date in which the first monthly installment 

payment was due in accordance with the mortgage/note.

9. Maturity Date of Loan (Last Scheduled Installment): The maturity date of this loan in accordance with 

mortgage/note.

10. Loan Interest Rate: The interest rate of the loan.

11. Original Principal Balance (OPB at pool issuance): The Original Principal Balance at pool issuance. The 

disclosed value for this field is truncated to the thousandths place (e.g. a value of 123456.78 will be 

disclosed as 123000.00).

12. UPB at Issuance (UPB of the loan at pool issuance): The Unpaid Principal Balance of the loan at pool 

issuance. Data collection began in February 2010. The disclosed value for this field is truncated to the 

thousandths place (e.g. a value of 123456.78 will be disclosed as 123000.00).

13. Unpaid Principal Balance (UPB of the loan): The Unpaid Principal Balance (UPB) 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.

14. Original Loan Term, in months: always blank.

15. Loan Age, in Months: always blank.

16. Remaining Loan Term (Remaining Maturity), in Months: always blank.

17. Months Delinquent: always blank.

18. Months Pre-Paid: always blank.

19. Loan Gross Margin (ARM Loans only): The rate on an ARM loan added to the index to reach the new 

mortgage interest rate.

20. Loan To Value (LTV): The Original Loan To Value (LTV) of the loan. Values of less than 10% and values of 

greater than 125% will be disclosed as blank. This is disclosed as blank on New Issuance files.

21. Combined LTV (CLTV): The Original Combined LTV (CLTV) of the loan. This data is not currently disclosed.

22. Total Debt Expense Ratio Percent: The ratio of all debts of the borrowers to the borrower’s qualifying 

income as defined by the mortgage insurer or guarantor. Values of less than 10% and values of greater 

than 65% will be disclosed as blank. Data collection began in September 2011.

23. Credit Score: The credit score of the borrower. Values of “100” and “200”, values less than 300, and 

values of greater than 850 will be disclosed as blank. Data collection began in February 2011.

24. Down Payment Assistance (Yes or No): An indicator of whether the borrower received gift funds for the 

loan Down Payment. Data collection began in February 2011.

Y = Yes

N = No

25. Buy Down Status (Loan Status) (Yes or No): Buy Down Status of the loan. Data collection began in 

September 2012.

Y = Yes
Ginnie Mae MBS Liquidated/Terminated Loan Level Disclosure File Version 1.1

Version 1.1 02/01/2021 9 Ginnie Mae MBS Liquidated/Terminated

Loan Level Disclosure

N = No

26. Upfront MIP (insurance premium rate): The upfront mortgage insurance premium percentage rate that 

institutions charge to insure FHA loans. Data collection for FHA loans began in September 2012.

27. Annual MIP (insurance premium rate): The annual mortgage insurance premium percentage rate that 

institutions charge to insure FHA loans. Data collection for FHA loans began in September 2012.

28. Number of Borrowers: Number of Borrowers on the loan.

29. First Time Home Buyer (Yes or No): An indicator for purchase loans of whether the borrower qualifies as a 

First Time Home Buyer. Data collection for purchase loans (Loan Purpose of “1”) began in September 

2012.

Y = Yes

N = No

30. Property Type (Number of Living Units): Number of Living Units of the property. Data collection began in 

February 2011.

31. State: The 2-character State Code.

32. MSA: 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. This is disclosed as 

blank on New Issuance and Monthly Loan Level files.

33. Third-Party Origination Type: Identifies the type of third party that originated the loan. Data collection 

began in September 2012.

1 = Broker

2 = Correspondent

3 = Retail

34. Current Month Liquidation Flag: always blank. 

35. Removal Reason (1-6 for liquidated loans, blank for terminated loans):

1 = Mortgagor Payoff

2 = Repurchase of Delinquent Loan 

3 = Foreclosure with Claim Payment 

4 = Loss Mitigation 

5 = Substitution

6 = Other

Blank = Terminated loan

36. Liquidation/Termination Date (CCYYMM): For a liquidated loan (Field 35, Removal Reason, is non-blank) 

this value is the Liquidation Date. For a terminated loan (Field 35, Removal Reason, is blank) this value is 

the Termination Date.
Ginnie Mae MBS Liquidated/Terminated Loan Level Disclosure File Version 1.1

Version 1.1 02/01/2021 10 Ginnie Mae MBS Liquidated/Terminated

Loan Level Disclosure

Pool Record Type T

Single Family Pools -- One Record per Pool

(Follows the last L Record for the pool)

Item Data Item Begin End Type Length Remarks

1 Record Type T=Pool Trailer information 1 1 Character 1 X

2 CUSIP Number 2 10 Character 9 X(9)

3 Pool ID 11 16 Character 6 X(6)

4 Issue Type (X, C, or M) 17 17 Character 1 X

5 Pool Type 18 19 Character 2 X(2)

6 Pool Issue Date 20 27 Numeric 8 9(8)

7 Issuer ID 28 31 Numeric 4 9(4)

8 As of Date (CCYYMM) 32 37 Numeric 6 9(6)

9 Loan Count for the Pool 38 44 Numeric 7 9(7)

Length of Record 44

1. Record Type: “T” for Pool Trailer

2. CUSIP Number: A nine character unique identifier for the MBS security for the pool.

3. Pool ID: The six character identifier for the pool.

4. Issue Type: The one character issue type for the pool (X, C, or M).

5. Pool Type: The two character pool type for the pool.

6. Pool Issue Date: The date the given pool was issued (CCYYMMDD).

7. Issuer ID: The four digit identifier for the pool’s issuer.

8. As-Of Date: The end month for which the file is produced. For the one time file, it is through June 2014. 

For quarterly files, it is the last month of the quarter.

9. Loan Count: The number of loans in the file for this pool.

Overall File Trailer Record Type Z

Item Data Item Begin End Type Length Remarks

1 Record Type Z = File Trailer 1 1 Character 1 X

2

File Name 

(GNMA_MBS_LQ_XXX_CCYYMM) 2 23 Character 22 X(22)

3 File Number 24 26 Numeric 3 9(3)

4 Pool Count (Control Total) 27 33 Numeric 7 9(7)

5 Loan Count (Control Total) 34 42 Numeric 9 9(9)

6

Total Record Count in File (All Record Types, 

Including H and Z records) 43 51 Numeric 9 9(9)

7 As of Date (CCYYMM) 52 57 Numeric 6 9(6)

Length of Record 57

1. Record Type: “Z” for File Trailer
Ginnie Mae MBS Liquidated/Terminated Loan Level Disclosure File Version 1.1

Version 1.1 02/01/2021 11 Ginnie Mae MBS Liquidated/Terminated

Loan Level Disclosure

2. File Name: “GNMA_MBS_LQ_XXX_CCYYMM” where XXX is ONE for the one-time disclosure of liquidated 

and terminated loans, or QTR for the quarterly refresh of new Terminated loans; and CCYYMM is the 

same value as “As-of-Date”

3. File Number: Number from 001 to 999 indicating which segment of split file this file is

4. Count of Pools: The number of pools contained in this file

5. Count of Loans: The number of loans contained in this file

6. Total Record Count: The count of all records in this file, including all headers and trailers

7. As-Of Date: The end month for which the file is produced. For the one time file, it is through June 2014. 

For quarterly files, it is the last month of the quarter.