Ginnie Mae MBS Loan Level Disclosure File Version 1.8

Version 1.8 2/1/2021 1 Ginnie Mae MBS Loan Level Disclosure

Ginnie Mae MBS Loan Level Disclosure File Version 1.8

This Document is for New Issuance and for Monthly Disclosure

on Active, Single Family Data

Version 1.8: Effective for New Issuance Disclosure and for Monthly Disclosure beginning 

with February 2021 data

See Version History for details.
Ginnie Mae MBS Loan Level Disclosure File Version 1.8

Version 1.8 2/1/2021 2 Ginnie Mae MBS Loan Level Disclosure

Ginnie Mae MBS Loan Level Disclosure File Version 1.8

Document Version History

Version 1.0 02/08/2013 Initial Version

Version 1.1 03/07/2013 Version 1.0 with two additions: 

1) Layout Note 5 has additional information

2) “L” Record field additions for “Current Month 

Liquidation Flag” and “Removal Reason”.

Version 1.2 04/15/2013 Version 1.1 with this revision:

Added a new value of “MNI” for the “XXX” portion of 

the file name as found in the Overall File Header and 

Overall File Trailer records to identify the Monthly New 

Issuance disclosure file.

Version 1.3 05/21/2013 Version 1.2 with this revision: Correction to 

format of Field 10 of the “L” Record, Loan Interest Rate.

The format correction is from 9(3)v9(2) to 9(2)v9(3).

Version 1.4 08/01/2013 Version 1.3 with this revision: Added upper 

and lower disclosure limits to “L” Record elements: Loan 

To Value, Credit Score, and Total Debt Expense Ratio 

Percent.

Version 1.5 01/01/2014 Version 1.4 with this revision: Added data 

privacy considerations to the Loan Level Record.

Version 1.6 04/01/2015 Version 1.5 with this revision:

1) “L” Record field addition for “Loan Origination Date” 

and “Seller Issuer ID”.

2) Total Record length for the “L” Record is expanded 

from 142 to 154.

Version 1.7 12/01/2017 Version 1.6 with this revision: “L” Record

field additions for 10 fields: “Index Type”, “Look-Back 

Period”, “Interest Rate Change Date”, “Initial Interest 

Rate Cap”, “Subsequent Interest Rate Cap”, “Lifetime 

Interest Rate Cap”, “Next Interest Rate Change Ceiling”, 

“Lifetime Interest Rate Ceiling”, “Lifetime Interest Rate

Floor”, and “Prospective Interest Rate”.

Version 1.8 02/01/2021 Version 1.7 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 192.
Ginnie Mae MBS Loan Level Disclosure File Version 1.8

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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 Active Loan in the Pool

T Pool Trailer Record One Record Per Pool

Z Overall File Trailer One Per File

LAYOUT NOTES: 

(1) This same file format is used for New Issuance Disclosures, for Monthly New Issuance 

Disclosures, and for Monthly Disclosures. The “File Name” field in the File Header 

record indicates if the file is New Issuance, Monthly New Issuance, or Monthly.

(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 active Loans in the Pool

d. Pool Trailer Record

e. File Trailer, final Record in the file.

(4) To manage file size (on the MBS Loan Level Monthly Disclosures), the MBS Loan Level 

Disclosure data is split into multiple/separate files based on whether the pool is a Ginnie 

Mae I pool or a Ginnie Mae II pool. Both of the resulting files have the same format as 

described herein.

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

blanks are output for that field. Some fields on the “L” record have “begin” dates in the 

descriptions, indicating that before that date, a value may not have been collected.
Ginnie Mae MBS Loan Level Disclosure File Version 1.8

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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_LL_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_LL_XXX_CCYYMM” where XXX is MON for monthly, MNI for Monthly New 

Issuance, or NEW for New Issuance; 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

All Active 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 current issuer responsible for the pool. This will be blank for 

Multi-Issuer Pools.

8. As-Of Date: Reporting Period of the data in the file
Ginnie Mae MBS Loan Level Disclosure File Version 1.8

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Loan Level Record Type L

All Active Single Family Pools -- One Record per Active Loan for each loan in the pool

For MULTI ISSUER Pools, the Pool will have a Pool Header, all loans in the Multi Issuer 

pool, and Pool Trailer

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

36 As of Date (CCYYMM) 137 142 Numeric 6 9(6)

37 Loan Origination Date 143 150 Numeric 8 9(8)

38 Seller Issuer ID 151 154 Numeric 4 9(4)

39 Index Type 155 159 Character 5 X(5)

40 Look-Back Period 160 161 Numeric 2 9(2)

41 Interest Rate Change Date 162 169 Numeric 8 9(8)
Ginnie Mae MBS Loan Level Disclosure File Version 1.8

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Item Data Item Begin End Type Length Remarks

42 Initial Interest Rate Cap 170 170 Numeric 1 9

43 Subsequent Interest Rate Cap 171 171 Numeric 1 9

44 Lifetime Interest Rate Cap 172 172 Numeric 1 9

45 Next Interest Rate Change Ceiling 173 177 Numeric 5 9(2)v9(3)

46 Lifetime Interest Rate Ceiling 178 182 Numeric 5 9(2)v9(3)

47 Lifetime Interest Rate Floor 183 187 Numeric 5 9(2)v9(3)

48 Prospective Interest Rate 188 192 Numeric 5 9(2)v9(3)

Length of Record 192

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.

4. Issuer ID: The four digit identifier for the current issuer responsible for the pool.

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: The calculated value of original term of the loan.

15. Loan Age, in Months: The calculated value of the age of the loan.

16. Remaining Loan Term (Remaining Maturity), in Months: The calculated value of Remaining Term of the 

Loan.

17. Months Delinquent (1, 2, 3, 4, 5, 6 where 6 means 6+ Scheduled installments due but not paid): The 

number of months the loan is delinquent. Only available for delinquent loans. A value of “0” indicates a 

non-delinquent loan. All Months Delinquent is disclosed as “0” on New Issuance files.
Ginnie Mae MBS Loan Level Disclosure File Version 1.8

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18. Months Pre-Paid (1, 2, 3, 4, 5, 6 where 6 means 6+ Future scheduled installments have been paid): The 

number of months the loan is Pre-Paid. Only available for pre-paid loans. A value of “0” indicates a nonpre-paid loan. All Months Pre-paid is disclosed as “0” on New Issuance files.

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

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 (Yes or No): An indicator of whether the given loan was liquidated in this

reporting month.

Y = Yes

N = No

35. Removal Reason: 1-6 for liquidated loans, blank for all other loans (blank in this field will correspond to a 

value of “N” for Current Month Liquidated Flag):

1 = Mortgagor Payoff

2 = Repurchase of Delinquent Loan

3 = Foreclosure with Claim Payment 

4 = Loss Mitigation 

5 = Substitution
Ginnie Mae MBS Loan Level Disclosure File Version 1.8

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6 = Other

36. As of Date (CCYYMM): Reporting period for the data.

37. Loan Origination Date: The date of loan origination. Loans in pools whose Pool Issue Date is April 2015 or 

later are disclosed.

38. Seller Issuer ID: The four digit identifier for the Issuer selling the pool. This only applies to loans in pools 

transferred in the current month; otherwise this field will be blank.

39. Index Type: The type of ARM index being used for the ARM loan. Values are “CMT” (for Constant

Maturity Treasury) and “LIBOR” (for London Interbank Offered Rate).

40. Look-Back Period: 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). Values are “30” for 30-day look back and 

“45” for 45-day look back.

41. Interest Rate Change Date: The date of the next interest rate change for the loan in an ARM pool, i.e. the 

date the interest rate changes.

42. Initial Interest Rate Cap: The maximum interest rate change amount (+/-) for the loan in an ARM pool, 

applicable only to the initial interest rate change. Values are 1 or 2 depending on the ARM Pool type.

43. Subsequent Interest Rate Cap: The maximum interest rate change amount (+/-) for 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).

44. Lifetime Interest Rate Cap: The maximum interest rate change amount (+/-) of the loan in an ARM pool

over the life of the loan.

45. Next Interest Rate Change Ceiling: 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.

46. Lifetime Interest Rate Ceiling: 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.

47. Lifetime Interest Rate Floor: 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.

48. Prospective Interest Rate: This data element is currently not at the loan level. Ginnie Mae will be 

collecting and disclosing this field in the future. A scheduled has not been established at this time.

Pool Record Type T

All Active 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
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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 current issuer responsible for the pool.

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

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_LL_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

2. File Name: “GNMA_MBS_LL_XXX_CCYYMM” where XXX is MON for monthly, MNI for Monthly New 

Issuance, or NEW for New Issuance; 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: Reporting Period of the data in the file