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Ginnie Mae HMBS Pool Disclosure File Version 5.1

This Document is for New Issuance and for Monthly Disclosure

of Active, Single-Family Data 

See Version History for details
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Ginnie Mae HMBS Pool Level Disclosure File

Document Version History

Version 1.0 02/28/2014. Initial Version.

Version 2.0 03/14/2014. Initial version plus these changes: (1) revised to remove 

references to the word “Monthly”; (2) added language to indicate that 

this same format is used for Enhanced Pool/New Issuance Daily and 

Weekly disclosure, and Enhanced Monthly Pool disclosure.

All record formats remain the same; no changes

Version 3.0 04/21/2014. Version 2.0 with these changes: (1) Highlighted changes to

legacy Pool Monthly Disclosure format; (2) renamed field 6, “Beginning 

Security Interest Rate” , in the “D” record to “Current Security Interest 

Rate”.

Version 3.1 09/24/2014. Version 3.0 with these changes: (1) renamed field 17, 

“Maximum WAC (Q4)( the calculated prospective WAC)” in the “D” 

record to “Maximum WAC (Q4)( the reported prospective WAC)”; (2) 

renamed field 18 “Minimum WAC (Q4)( the calculated prospective 

WAC)” in the “D” record to “Minimum WAC (Q4)( the reported

prospective WAC)”;

Version 4.0 03/01/2015. Version 3.1 with these changes: 

(1) Add to Pool Details (Type “D”) record:

- Pay Op LUMP SUM related fields: Number of Participations, 

UPB of Participations, UPB of Participations as % of Pool UPB, 

UPB of Participations as % of Principal Limit of HECM Loans, 

UPB of Participations as % of MCA of HECM Loans, HECM 

UPB as a % of Principal Limit of HECM Loans, HECM UPB as 

% of MCA of HECM Loans.

- Original Security Interest Rate (WAC)
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- Maximum WAC (Q4) (the original WAC)

- Minimum WAC (Q0) (the original WAC)

- Non-borrowing Spouse Number of Participations

- Non-borrowing Spouse UPB of Participations

- Non-borrowing Spouse UPB of Participations as % of Pool UPB

- Remaining Property Charges Set Aside Number of Participations

- Remaining Property Charges Set Aside UPB of Participations

- Remaining Property Charges Set Aside UPB of Participations as 

% of Pool UPB

(2) (2) Add to Supplemental Pool Detail (Type “U”) record:

- Add Payment Option Single Disb Lump Sum fields: Number of 

Participations, UPB of Participations, UPB of Participations as % 

of Pool UPB

(3) (3) Add to Weighted Averages and Quartiles Pool Detail (Type “W”) 

record:

- Renamed “Lifetime Interest Rate Cap” fields to “Lifetime 

Interest Rate Change Cap”

- Add Periodic Interest Rate Change Cap fields: Weighted 

Average, Maximum (Q4), 75th Percentile (Q3), Median (Q2), 25th

Percentile (Q1), Minimum (Q0), Not Available - Number of 

Participations, Not Available – UPB, Not Available - % of UPB

- Add Maximum Interest Rate fields: Weighted Average, 

Maximum (Q4), 75th Percentile (Q3), Median (Q2), 25th

Percentile (Q1), Minimum (Q0), Not Available - Number of 

Participations, Not Available – UPB, Not Available - % of UPB

- Added Non-borrowing Spouse age fields: Weighted Average, 

Maximum (Q4), 75th Percentile (Q3), Median (Q2), 25th

Percentile (Q1), Minimum (Q0), Not Available - Number of 

Participations, Not Available – UPB, Not Available - % of UPB
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(4) (4) Add a new Non-borrowing Spouse Data (Type “X”) record that 

contains age-related fields/information similar to the Borrower agerelated fields of the Various Record (“V”)

Version 4.1 03/01/2015. Version 4.0 with these changes: 

(1) Renamed field 150 of the “W” record from “Periodic Interest 

Rate Change Cap” to “Annual Interest Rate Change Cap”.

(2) Revised the format of fields 159-164 in the “W” record related to 

Maximum Interest Rate to be 9(2)v9(3)

Version 4.2 04/01/2015. Version 4.1 with these changes: 

(1) Renamed all references of “Non-borrowing Spouse” to “Eligible 

Non-borrowing Spouse”

(2) Revised the effective date from 03/01/2015 to 04/01/2015.

Version 4.3 10/27/2017. Version 4.2 with these changes:

(1) Added quartiles to the Type W record for 2 fields added to the 

loan level disclosure for HREMIC – Initial Monthly Scheduled 

Payment and Initial Remaining Available Line of Credit. The 

quartiles for these 2 fields will be populated with nines in the 

Pool New Issuance Daily/Monthly disclosures.

Version 4.4 04/01/2020. Version 4.3 with these changes:

(1) Added Pool Maturity Date to the end of the Pool Details (“D”) 

record

(2) Dropped reference to the “Enhanced” descriptor in the file name 

and layout.

Version 5.0 01/30/2023. Version 4.4 with these changes:

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

layout.

(2) Added new fields: Pool Unpaid Principal Balance; Security RPB; 

RPB Factor (see Pool/Security Detail record).

(3) Renamed “WAC of the Participations” to “Prospective Security 

Interest Rate” (see Pool/Security Detail record).

(4) Added full Quartiles (Q0 – Q4) for the following fields (see 

Record Type 01 Quartiles record): Participation Original 
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Principal Balance (formerly Max/Min AOPS); Participation UPB

(formerly Max/Min Participation UPB); Participation Original

Interest Rate (formerly Max/Min Original WAC); Participation

Current Interest Rate (new field); Participation Prospective

Interest Rate (formerly Max/Min Prospective WAC); HECM

Loan Age (formerly Max/Min WALA); Ratio: Participation 

UPB/HECM loan Maximum Claim Amount (formerly Max/Min

Participation UPB/HECM Max Claim Amount)

(5) Renamed “Participation Original Principal Balance for State” to 

“Original Principal Balance of Participations”; “Current Pool 

UPB Balance for State” to “UPB of Participations”; “Pool UPB

Balance for State as a % of total Pool UPB” to “UPB of 

Participations as % of Pool UPB” (see Record Type 08 State

Code record).

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

Type 11 Low and Moderate Borrower Income record).

Version 5.1 12/30/2023. Corrected version 5.0 as follows: (1) added a “Number of 

Participations” field (field 8) to the HMBS Pool Supplemental File

Record Type 13 “Two Field Value” Stratification Common Record 

format to be in accordance with the Record Type 13 Joint-Single Loan 

Indicator / Youngest Borrower or Co-borrower Gender Record, TwoField Stratification record description; (2) revised Appendix 1 to reflect 

the implementation of the “SA” pool type; (3) Added note to record type

11 (LMI data) that this record will not be populated/provided for new 

issuance disclosures.
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HMBS Pool Level Disclosure Summary Characteristics

Characteristic Description

Two Physical Files HMBS 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 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 Pool/Security Record Type One Record Type with basic information about the Pool and also provides the Security RPB, 

RPB Factor, and Weighted Averages (WA) for various attributes. This record is an enhanced 

version of the current “D” record in the HMBS Disclosure File V4.4. The HMBS

Pool/Security File will only contain a header, trailer, and this one record type for each active 

pool.

HMBS Pool Supplemental Record Types Thirteen (13) 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 Pool/Security Record will always be produced. There can be occurrences of “||” (barbar) where there is no data value for a field.

HMBS 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 Pool/Security File records and the 

HMBS Pool Supplemental File records will explicitly include the decimal point;

Loan Age and Funding Age Ginnie Mae has standardized its calculation of Loan Age and Funding 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.
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• Funding Age = (the difference between the YYYYMM portion of the loan 

Funding Date and the YYYYMM of the Reporting Period) + 1 month

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)

Liquidating Loans Ginnie Mae has standardized the exclusion of liquidating loan amounts from use in the 

numerators/denominators of certain calculations (such as: UPB of Participations as % of 

Principal Limit of HECM Loans; UPB of Participations as % of MCA of HECM Loans; 

HECM Loans UPB as % of Principal Limit of HECM Loans; and HECM Loans UPB as % 

of MCA of HECM Loans). This primarily affects certain data values in record types “03”, 

“04”, “05”, “06” and “13”.

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

HMBS 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, Monthly New 

Issuance, and Monthly Portfolio

The file layouts are the same for: HMBS Daily Pool New Issuance, Monthly Pool New 

Issuance, and HMBS Pool Monthly Portfolio disclosures. The Low and Moderate Borrower 

Income Record stratification record (record type “11”) will not appear in the Daily Pool New 

Issuance and Monthly Pool New Issuance files.

Implementation Dates New Issuance Files (Daily and Monthly), as well as the Monthly Portfolio are targeted for 

production release beginning in the 1st quarter 2024. 

Production Test Files (for Version 5.1) Sample Production test files for the HMBS Pool Level Disclosures will be available in the 

4th quarter 2023.

Transition Period Ginnie Mae will produce the existing HMBS Pool Disclosure File V4.4 files and the HMBS 

Pool Disclosure File V5.1 files, in parallel, for a period of at least 3 months.
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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 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 Pool Supplemental File—The records in this file are standardized and have stratifications and enumerations. There are 5

unique, different record layouts. Two (2) of the record layouts have specific common formats:

• Unique Record Types

o Unique Records – Record Types “01” and “02” (each with a unique record layout)

• Common Stratification Layouts

o One-Field Stratification Records – Record Types “03” – “12”; Record Types “03” – “06”, “07” - “12”, and “08” have 

unique record layouts.

o Two-Field Stratification Records – Record Type “13”

HMBS Pool Supplemental File Summary of Record Types and Names

Record Type Stratification 

Level

Record Name

01 None Quartiles

02 None Various

03 1 Payment Option

04 1 Property Type

05 1 Age of Youngest Borrower/Co-borrower

06 1 Age of Youngest Eligible Non-Borrowing Spouse

07 1 Metropolitan Statistical Areas (MSA) Code

08 1 State Code

09 1 Loan Purpose
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10 1 HECM Saver

11 1 Low and Moderate Borrower Income Record

12 1 Not Available

13 2 Joint-Single Loan Indicator/Youngest Borrower or Co-Borrower Gender
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The HMBS 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 Pool Supplemental File Record Types 03 through 06 “One Field Value” Stratification Common Record format

Item Data Element Type Max 

Length

Format Description

01 Record Type Character 2 The Record Type value “03” through “06”. 

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 pool; this is assigned 

by Ginnie Mae at pool issuance.

04 Pool Indicator Character 1 Identifies the Issue Type of the pool (H).

05 Pool Type Character 2 The type of Ginnie Mae pool. Appendix 1 provides a listing of 

pool types.

06 Field Value Character 2 Values described in Record Types “03” through “06”.

07 Number of Participations Numeric 5 The number of participations in the pool for the field value.

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

the field value.

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 field value.

10 UPB of Participations as % of 

Principal Limit of HECMs

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

HECM Principal Limit for all HECMs associated with those 

Participations, for the field value.

11 UPB of Participations as % of MCA 

of HECMs

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

HECM Maximum Claim Amount (MCA) for all HECMs 

associated with those Participations, for the field value.

12 HECM UPB as % of Principal 

Limit of HECMs

Numeric 6 3.2 The total HECM UPB for all HECMs associated with the 

Participations as a percentage of the total of the HECM 

Principal Limit for those same HECMs, for the field value.
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HMBS Pool Supplemental File Record Types 07, and 09 through 12 “One Field Value” Stratification Common Record format

13 HECM UPB as % of MCA of

HECMs

Numeric 6 3.2 The total HECM UPB for all HECMs associated with the

Participations as a percentage of the total of the HECM MCA

for those same HECMs, for the field value.

Item Data Element Type Max 

Length

Format Description

01 Record Type Character 2 The Record Type value “07” and “09” through “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 pool; this is assigned 

by Ginnie Mae at pool issuance.

04 Pool Indicator Character 1 Identifies the Issue Type of the pool (H).

05 Pool Type Character 2 The type of Ginnie Mae pool. Appendix 1 provides a listing of 

pool types.

06 Field Value Character 5 Values described in Record Types “07”, and “09” through “12”.

07 Number of Participations Numeric 5 The number of participations in the pool for the field value.

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

the field value.

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 field value.
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HMBS Pool Supplemental File Record Type 13 “Two Field Value” Stratification Common Record format 

Item Data Element Type Max 

Length

Format Description

01 Record Type Character 2 The Record Type value “13”

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 pool; this is assigned 

by Ginnie Mae at pool issuance.

04 Pool Indicator Character 1

Identifies the Issue Type of the pool (H).

05 Pool Type Character 2 The type of Ginnie Mae 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 Number of Participations Numeric 5 The number of participations in the pool for the two field 

values.

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

the two field values.

10 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.

11 UPB of Participations as % of 

Principal Limit of HECMs

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

HECM Principal Limit for all HECMs associated with those 

Participations, for the two field values.

12 UPB of Participations as % of MCA 

of HECMs

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

HECM Maximum Claim Amount (MCA) for all HECMs 

associated with those Participations, for the two field values.

13 HECM UPB as % of Principal 

Limit of HECMs

Numeric 6 3.2 The total HECM UPB for all HECMs associated with the 

Participations as a percentage of the total of the HECM 

Principal Limit for those same HECMs, for the two field values.
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HMBS POOL/SECURITY FILE -- DETAILED DESCRIPTION OF THE FILE HEADER, FILE 

TRAILER, AND POOL/SECURITY DETAIL RECORD TYPES

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

Item Data Element Type Max 

Length

Format Definition

01 Record Type = HP Character 2 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 PS, HMBS Pool/Security Detail - One Record per Pool. Records are sorted by Pool ID.

Item Data Element Type Max 

Length

Format Definition

01 Record Type = PS Character 2 HMBS 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 pool; this is 

assigned by Ginnie Mae at pool issuance.

04 Pool Indicator Character 1 Identifies the Issue Type of the pool. Value is H.

14 HECM UPB as % of MCA of

HECMs

Numeric 6 3.2 The total HECM UPB for all HECMs associated with the

Participations as a percentage of the total of the HECM MCA

for those same HECMs, for the two field values.
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05 Pool Type Character 2 The type of Ginnie Mae pool. Appendix 1 provides a listing 

of pool types.

06 Index Type Character 5 The type of ARM index being used. It will be either CMT

(Constant Maturity Treasury), LIBOR (London Interbank 

Offered Rate), or SOFR (Secured Overnight Financing Rate).

(SOFR implementation TBD).

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

08 Pool Maturity Date Date 8 YYYYMMDD The date on which the final payment for the Security is 

scheduled to be paid.

09 Issuer Number Numeric 4A four-digit number which identifies the Issuer responsible 

for the pool.

10 Issuer Name Character 40 The name of the Issuer currently responsible for the pool.

11 Original Aggregate 

Amount Numeric 16 13.2 The aggregate principal amount (UPB at issuance) of the participations in the pool at pool issuance.

12 Pool Unpaid Principal 

Balance Numeric 16 13.2 Sum of the UPB amounts of the active participations in the pool.

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

14 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.

15 Number of Participations 

in pool.

Numeric 5

The current total number of participations in the pool.

16 Number of Participations 

with Payments this Period 

Numeric 5 Count of the Participations which had a full or partial 

payment this period.

17 Unpaid Principal Balance 

of Participations with 

Payments

Numeric 14 11.2 The sum of the ending Participation UPB values of the 

Participations which had payments this period.

18 Percent of UPB Paid Off Numeric 6 3.2 The total Pool Payments amount divided by the sum of total 

Pool Payments amount and the total ending Pool UPB 

amount.

19 Average Original 

Participation Size (AOPS) Numeric 9 6.2

Simple average of the participation Original Principal 

Balance (OPB) values, for all the current participations in the 

pool.

20 Current Period Average 

Balance

Numeric 14 11.2 Average Participation Size. The sum of the participation 

UPBs divided by the number of participations.
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21 Original Security Interest 

Rate (WAC)

Numeric 6 2.3 The interest rate of the Ginnie Mae Security when it was 

issued.

22 Current Security Interest 

Rate (WAC) Numeric 6 2.3 The interest rate of the Ginnie Mae Security. This is the rate in effect for the report period.

23 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.

24 Ratio: Pool Outstanding 

Balance to Max Claim 

Amount of HECM Loans

Numeric 6 3.2 The total ending Pool UPB amount divided by the sum of the 

Max Claim Amount of the HECM loans.

25 Ratio: Pool Outstanding 

Balance to Principal Limit 

of HECM Loans

Numeric 6 3.2 The total ending Pool UPB amount divided by the sum of the 

Principal Limit of the HECM loans

26 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 a pool, weighted by the UPB 

of each participation that is in the pool.

27 WA Expected Mortgage 

Interest Rate

Numeric 6 2.3 Weighted Average of Expected Average Mortgage Interest 

Rate for each loan represented by a participation in the pool. 

The Expected Average Mortgage Interest Rate is the original 

expected average mortgage interest.

28 WA Servicing Fee Set 

Aside

Numeric 14 11.2 Weighted Average of Servicing Fee Set Aside Amount for 

each loan represented by a participation in the pool. The 

Servicing Fee Set Aside Amount is an amount initially set 

aside from the Principal Limit as reported by the issuer

29 WA Original Funding Age Numeric 3 9(3) Weighted Average of Original Funding Age for each loan 

represented by a participation in the pool. The Original 

Funding Age for each loan is calculated based on the HECM 

Original Funding Date value and the Reporting Period of the 

data. The Original Funding Date is the date the loan was first 

funded.

30 WA Property Valuation 

Amount

Numeric 14 11.2 Weighted Average of Property Valuation Amount for each 

loan represented by a participation in the pool. The Property 

Valuation Amount is as reported by the issuer at pool 

issuance

31 WA Original Term of 

Payments

Numeric 3 9(3) Weighted Average of Original Term of Payments for each 

loan represented by a participation in the pool. The Original 

Term of Payments is the original number of monthly 
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payments on a term or modified term loan, as of the 

Origination Date

32 WA Property Charges Set 

Aside

Numeric 14 11.2 Weighted Average of Property Charges Set Aside Amount 

for each loan represented by a participation in the pool. The 

Property Charges Set Aside Amount is an amount that a 

borrower sets aside at closing to cover property charges such 

as taxes, insurance, ground rents, homeowner’s association 

fees, as reported by the issuer.

33 WA Property Repair Set 

Aside

Numeric 14 11.2 Weighted Average of Property Repair Set Aside Amount for 

each loan represented by a participation in the pool. The 

Property Repair Set Aside Amount is an amount that a 

borrower sets aside at closing to cover property repairs, as 

reported by the issuer.

34 WA Original Available 

Line of Credit

Numeric 14 11.2 Weighted Average of Original Line of Credit Amount for 

each loan represented by a participation in the pool. 

35 WA Original Draw 

Amount

Numeric 14 11.2 Weighted Average of Original Draw Amount for each loan 

represented by a participation in the pool. The Original Draw 

Amount is the original amount drawn on a line of credit loan.

36 WA Mortgage Margin Numeric 6 2.3 Weighted Average of Mortgage Margin for each loan 

represented by a participation in the pool. The Mortgage 

Margin is the percentage points added to the index rate to 

determine an ARM's interest rate.

37 WA Lifetime Floor Rate Numeric 6 2.3 Weighted Average of Lifetime Floor Rate for each loan 

represented by a participation in the pool. The Lifetime 

Floor Rate is the minimum interest rate that can be applied 

during the loan term.

38 WA Remaining Available 

Line of Credit

Numeric 14 11.2 Weighted Average of Remaining Line of Credit Amount for 

each loan represented by a participation in the pool. The 

Remaining Line of Credit reflects the remaining cash 

available to the borrower (net of any tenure or term set asides 

as well as any tax, maintenance, insurance or servicing set 

asides

39 WA Monthly Scheduled 

Payment

Numeric 14 11.2 Weighted Average of Monthly Scheduled Payment for each 

loan represented by a participation in the pool. The Monthly 

Scheduled Payment is the scheduled amount that is payable 

to the borrower on a monthly basis.
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40 WA Remaining Term of 

Payments

Numeric 3 9(3) Weighted Average of Remaining Term of Payments for each 

loan represented by a participation in the pool. The 

Remaining Term of Payments is the remaining number of 

monthly payments on a term or modified term loan.

41 WA Credit Line Set Aside Numeric 14 11.2 Weighted Average of Credit Line Set Aside Amount for each 

loan represented by a participation in the pool. The Credit 

Line Set Aside Amount is the specified amount set aside at 

Pool Issue Date for a line of credit.

42 WA Lifetime Interest Rate 

Change Cap

Numeric 2 9(2) Weighted Average of Lifetime Interest Rate Change Cap for 

each loan represented by a participation in the pool. The 

Lifetime Interest Rate Change Cap limits the interest rate 

increase over the life of the loan. The value is “5” for 1-Year 

adjusting loans; this field is required only for annual 

adjusting loans.

43 WA Annual Interest Rate 

Change Cap

Numeric 2 9(2) Weighted Average of Annual Interest Rate Change Cap for 

each loan represented by a participation in the pool. The 

Annual Interest Rate Change Cap limits the interest rate 

increase over the life of the loan. The value is “2” for 1-Year 

adjusting loans; this field is required only for annual 

adjusting loans.

44 WA Maximum Interest 

Rate

Numeric 6 2.3 Weighted Average of Maximum Interest Rate for each loan 

represented by a participation in the pool. The Maximum 

Interest Rate is the maximum interest rate on the note. This 

field is required only for monthly adjusting loans.

45 WA Eligible Nonborrowing Spouse AgeNumeric 3 9(3) Weighted Average of the Eligible Non-borrowing Spouse 

Age(s) for each loan represented by a participation in the 

pool. There are up to 3 eligible non-borrowing spouses that 

can be associated with each loan.

46 WA Initial Remaining 

Available Line of Credit

Numeric 14 11.2 Weighted Average of the aggregate line of credit available 

during the first twelve-month disbursement period to 

borrowers under certain payment plans; for each loan 

represented by a participation in the pool

47 WA Initial Monthly 

Scheduled Payment 

Amount

Numeric 14 11.2 Weighted Average of the aggregate monthly amount that is 

payable to HECM borrowers in a given month under certain 

types of payment plans during the first twelve-month 
Ginnie Mae HMBS Pool Level Disclosure File Version 5.1

4-1-2024 Ginnie Mae HMBS Pool Level Disclosure File Version 5.1 18

disbursement period, for each loan represented by a 

participation in the pool.

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

Item Data Element Type Max 

Length

Format Definition

01 Record Type = TP Character 2 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 = 

“PS” in the file.
Ginnie Mae HMBS Pool Level Disclosure File Version 5.1

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

AND RECORD TYPES

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

Item Data Element Type Max 

Length

Format Definition

01 Record Type = HS Character 2 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 Quartiles Record

Item Data Element Type Max 

Length

Format Definition

01 Record Type = 01 Character 2 Quartiles 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 pool; this is assigned 

by Ginnie Mae at pool issuance.

04 Pool Indicator Character 1 Identifies the Issue Type of the pool. Value is H.

05 Pool Type Character 2 The type of Ginnie Mae pool. Appendix 1 provides a listing 

of pool types.

06 Quartiles Character 1 Values are:

4 = Maximum (100%) Quartile

3 = 75th Percentage Quartile
Ginnie Mae HMBS Pool Level Disclosure File Version 5.1

4-1-2024 Ginnie Mae HMBS Pool Level Disclosure File Version 5.1 20

2 = Median (50%) Percentage Quartile

1 = 25th Percentage Quartile

0 = Minimum (0%) Quartile

07 Participation Original Principal 

Balance (OPB)

Numeric 9 6.2 The principal balance of the Participation when it was 

originated.

08 Participation UPB Numeric 9 6.2 The current principal balance of the Participation.

09 Participation Original Interest Rate Numeric 6 2.3 The interest rate of the HMBS Participation when it was 

issued.

10 Participation Current Interest Rate Numeric 6 2.3 The interest rate of the HMBS Participation. This is the rate in 

effect for the report period.

11 Participation Prospective Interest 

Rate

Numeric 6 2.3 The prospective HMBS Participation interest rate. This is the 

rate that will be in effect for the next report period.

12 HECM Loan Age Numeric 3 9(3) This is the age of the loan associated with a participation in 

months from the loan issuance date to the current reporting 

period.

13 Ratio: Participation UPB/HECM 

Loan Maximum Claim Amount

Numeric 6 3.2 The current Participation UPB divided by the associated 

HECM Loan’s Maximum Claim Amount.

14 Expected Average Mortgage 

Interest Rate

Numeric 6 2.3 The Expected Average Mortgage Interest Rate is the original 

expected average mortgage interest. It is fixed throughout the 

life of the loan and is used to determine payments to the 

borrower. 

15 Servicing Fee Set Aside Numeric 14 11.2 The Servicing Fee Set Aside Amount is an amount initially set 

aside from the Principal Limit as reported by the issuer. 

16 Original Funding Age Numeric 3 9(3) The Original Funding Age for each loan is calculated based on 

the HECM Original Funding Date value and the Reporting 

Period of the data. The Original Funding Date is the date the 

loan was first funded.

17 Property Valuation Amount Numeric 14 11.2 The Property Valuation Amount is as reported by the issuer at 

pool issuance.

18 Original Term of Payments Numeric 3 9(3) The Original Term of Payments is the original number of 

monthly payments on a term or modified term loan, as of the 

Origination Date.

19 Property Charges Set Aside 

Amount

Numeric 14 11.2 The Property Charges Set Aside Amount is an amount that a 

borrower sets aside at closing to cover property charges such 

as taxes, insurance, ground rents, homeowner’s association 

fees, as reported by the issuer.
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20 Property Repair Set Aside Amount Numeric 14 11.2 The Property Repair Set Aside Amount is an amount that a 

borrower sets aside at closing to cover property repairs, as 

reported by the issuer.

21 Original Available Line of Credit Numeric 14 11.2 The original available line of credit amount for the loan.

22 Original Draw Amount Numeric 14 11.2 The Original Draw Amount is the original amount drawn on a 

line of credit loan.

23 Mortgage Margin Numeric 6 2.3 The Mortgage Margin is the percentage points added to the 

index rate to determine an ARM's interest rate. The margin is 

reported by the issuer at pool issuance.

24 Lifetime Floor Rate Numeric 6 2.3 The Lifetime Floor Rate is the minimum interest rate that can 

be applied during the loan term.

25 Remaining Available Line of Credit Numeric 14 11.2 The Remaining Line of Credit reflects the remaining cash 

available to the borrower (net of any tenure or term set asides 

as well as any tax, maintenance, insurance or servicing set 

asides.

26 Monthly Scheduled Payment 

Amount

Numeric 14 11.2 The Monthly Scheduled Payment is the scheduled amount that 

is payable to the borrower on a monthly basis.

27 Remaining Term of Payments Numeric 3 9(3) The Remaining Term of Payments is the remaining number of 

monthly payments on a term or modified term loan. 

28 Credit Line Set Aside Amount Numeric 14 11.2 The Credit Line Set Aside Amount is the specified amount set 

aside at Pool Issue Date for a line of credit.

29 Lifetime Interest Rate Change Cap Numeric 2 9(2) The Lifetime Interest Rate Change Cap limits the interest rate 

increase over the life of the loan. The value is “5” for 1-Year 

adjusting loans; this field is required only for annual adjusting 

loans.

30 Annual Interest Rate Change Cap Numeric 2 9(2) The Annual Interest Rate Change Cap limits the interest rate 

increase over the life of the loan. The value is “2” for 1-Year 

adjusting loans; this field is required only for annual adjusting 

loans.

31 Maximum Interest Rate Numeric 6 2.3 The Maximum Interest Rate is the maximum interest rate on 

the note. This field is required only for monthly adjusting 

loans.

32 Eligible Non-borrowing Spouse 

Age

Numeric 3 9(3) There are up to 3 eligible non-borrowing spouses that can be 

associated with each loan. The age is computed using the 

Eligible Non-borrowing Spouse’s date of birth and the current 

reporting period.
Ginnie Mae HMBS Pool Level Disclosure File Version 5.1

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Note: The Weighted Average and Quartiles values for both the Initial Remaining Available Line of Credit Amount and Initial Monthly Scheduled 

Payment Amount fields will not be populated in the Pool New Issuance Daily/Monthly disclosures.

Record Type 02 Various Record

33 Initial Remaining Available Line of 

Credit

Numeric 14 11.2 The aggregate line of credit available during the first twelvemonth disbursement period to borrowers under certain 

payment plans. The Initial Remaining Available Line of Credit 

Amount does not include set asides for the Monthly Servicing 

Fee, if any, property charges (such as taxes, hazard insurance, 

ground rents or assessments) or repairs, if any.

34 Initial Monthly Scheduled Payment 

Amount

Numeric 14 11.2 The Initial Monthly Scheduled Payment Amount is the 

aggregate monthly amount that is payable to HECM 

borrowers in a given month under certain types of payment 

plans during the first twelve-month disbursement period.

. V

Item Data Element Type Max 

Length

Format Definition

01 Record Type = 02 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 pool; this is assigned 

by Ginnie Mae at pool issuance.

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

05 Pool Type Character 2 The type of Ginnie Mae pool. Appendix 1 provides a listing 

of pool types.

06 Eligible Non-Borrowing Spouse 

Number of Participations 

Numeric 5 The number of participations in the pool associated with a 

loan that has one or more Eligible Non-Borrowing Spouses.
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07 Eligible Non-Borrowing Spouse 

UPB of Participations

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

participations in the pool associated with a loan that has one or 

more Eligible Non-Borrowing Spouses.

08 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 Pool’s UPB. This UPB 

percentage is calculated by dividing the total participation 

UPB of the given condition (Eligible Non-Borrowing Spouse) 

by the Pool’s UPB. 

09 Remaining Property Charges Set 

Aside Number of Participations

Numeric 5 The number of participations in the pool associated with a 

loan that has a non-zero Remaining Property Charges Set 

Aside amount.

10 Remaining Property Charges Set 

Aside UPB of Participations

Numeric 14 11.2 Total UPB of the participations in the pool associated with a 

loan that has a non-zero Remaining Property Charges Set 

Aside amount.

11 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 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 Pool’s UPB. 
Ginnie Mae HMBS Pool Level Disclosure File Version 5.1

4-1-2024 Ginnie Mae HMBS Pool Level Disclosure File Version 5.1 24

Stratification Records: Record Types 03-11

Record Type 03 Payment Option Record

Item Data Element Type Max 

Length

Format Definition

. V

01 Record Type = 03 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 pool; this is assigned 

by Ginnie Mae at pool issuance.

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

05 Pool Type Character 2 The type of Ginnie Mae 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 Number of Participations Numeric 5 The number of participations in the pool associated with a 

loan that has the Payment Option value.

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

participations in the pool associated with a loan that has the 

Payment Option value.
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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 Payment Option value, expressed as a 

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

calculated by dividing the total participation UPB of the given 

condition (Payment Option) by the Pool’s UPB. 

10 UPB of Participations as % of 

Principal Limit of HECM Loans

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 total Principal Limit of the associated 

HECM Loans. This UPB percentage is calculated by dividing 

the total participation UPB of the given condition (Payment 

Option) by the total of the HECM Principal Limits for all the 

loans associated with those Participations.

11 UPB of Participations as % of MCA

of HECM Loans

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 total Maximum Claim Amount (MCA) of 

the associated HECM Loans. This UPB percentage is 

calculated by dividing the total participation UPB of the given 

condition (Payment Option) by the total of the HECM MCAs

for all the loans associated with those Participations.

12 HECM Loans UPB as % of 

Principal Limit of HECM Loans

Numeric 6 3.2 Total UPB of all HECM Loans that have the Payment Option 

value and are associated with a pool’s participations,

expressed as a percentage of the total Principal Limit of the 

same HECM Loans. This UPB percentage is calculated by 

dividing the total HECM Loan UPB for loans having a given 

condition (Payment Option) that are associated with a pool’s 

participations by the total of the HECM Loan Principal Limits 

for those same HECM loans.

13 HECM Loans UPB as % of MCA

of HECM Loans

Numeric 6 3.2 Total UPB of all HECM Loans that have the Payment Option 

value and are associated with a pool’s participations,

expressed as a percentage of the total Maximum Claim 

Amount (MCA) of the same HECM Loans. This UPB 

percentage is calculated by dividing the total HECM Loan 

UPB for loans having a given condition (Payment Option) that 

are associated with a pool’s participations by the total of the 

HECM MCAs for those same HECM loans.
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Record Type 04 Property Type Record

Item Data Element Type Max 

Length

Format Definition

01 Record Type = 04 Character

. V

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 pool; this is assigned 

by Ginnie Mae at pool issuance.

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

05 Pool Type Character 2 The type of Ginnie Mae 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 Number of Participations Numeric 5 The number of participations in the pool associated with a 

loan that has the Property Type value.

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

participations in the pool associated with a loan that has the 

Property Type value.

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 Property Type value, expressed as a 

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

calculated by dividing the total participation UPB of the given 

condition (Property Type) by the Pool’s UPB. 

10 UPB of Participations as % of 

Principal Limit of HECM Loans

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 total Principal Limit of the associated 

HECM Loans. This UPB percentage is calculated by dividing 

the total participation UPB of the given condition (Property 

Type) by the total of the HECM Principal Limits for all the 

loans associated with those Participations.
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4-1-2024 Ginnie Mae HMBS Pool Level Disclosure File Version 5.1 27

11 UPB of Participations as % of MCA

of HECM Loans

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 total Maximum Claim Amount (MCA) of 

the associated HECM Loans. This UPB percentage is 

calculated by dividing the total participation UPB of the given 

condition (Property Type) by the total of the HECM MCAs

for all the loans associated with those Participations.

12 HECM Loans UPB as % of 

Principal Limit of HECM Loans

Numeric 6 3.2 Total UPB of all HECM Loans that have the Property Type

value and are associated with a pool’s participations,

expressed as a percentage of the total Principal Limit of the 

same HECM Loans. This UPB percentage is calculated by 

dividing the total HECM Loan UPB for loans having a given 

condition (Property Type) that are associated with a pool’s 

participations by the total of the HECM Loan Principal Limits 

for those same HECM loans.

13 HECM Loans UPB as % of MCA

of HECM Loans

Numeric 6 3.2 Total UPB of all HECM Loans that have the Property Type

value and are associated with a pool’s participations,

expressed as a percentage of the total Maximum Claim 

Amount (MCA) of the same HECM Loans. This UPB 

percentage is calculated by dividing the total HECM Loan 

UPB for loans having a given condition (Property Type) that 

are associated with a pool’s participations by the total of the 

HECM MCAs for those same HECM loans.
Ginnie Mae HMBS Pool Level Disclosure File Version 5.1

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Record Type 05 Age of Youngest Borrower/Co-borrower Record

Item Data Element Type Max 

Length

Format Definition

01 Record Type = 05

. V

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 pool; this is assigned 

by Ginnie Mae at pool issuance.

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

05 Pool Type Character 2 The type of Ginnie Mae 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 +

10 = Not Available

07 Number of Participations Numeric 5 The number of participations in the pool associated with a 

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

the borrower/co-borrower grouping.

08 UPB of Participations Numeric 14 11.2 The total Unpaid Principal Balance (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.
Ginnie Mae HMBS Pool Level Disclosure File Version 5.1

4-1-2024 Ginnie Mae HMBS Pool Level Disclosure File Version 5.1 29

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 a youngest borrower/co-borrower with an age in 

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

of the 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 Pool’s 

UPB. 

10 UPB of Participations as % of 

Principal Limit of HECM Loans

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 total Principal Limit of the associated HECM Loans. 

This UPB percentage is calculated by dividing the total 

participation UPB of the given condition (youngest 

borrower/co-borrower age group) by the total of the HECM 

Principal Limits for all the loans associated with those 

Participations.

11 UPB of Participations as % of MCA

of HECM Loans

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 total Maximum Claim Amount (MCA) of the associated 

HECM Loans. This UPB percentage is calculated by dividing 

the total participation UPB of the given condition (youngest 

borrower/co-borrower age group) by the total of the HECM 

MCAs for all the loans associated with those Participations.

12 HECM Loans UPB as % of 

Principal Limit of HECM Loans

Numeric 6 3.2 Total UPB of all HECM Loans that have a youngest 

borrower/co-borrower with an age in the borrower/coborrower grouping and are associated with a pool’s 

participations, expressed as a percentage of the total Principal 

Limit of the same HECM Loans. This UPB percentage is 

calculated by dividing the total HECM Loan UPB for loans 

having a given condition (youngest borrower/co-borrower age 

group) that are associated with a pool’s participations by the 

total of the HECM Loan Principal Limits for those same 

HECM loans.

13 HECM Loans UPB as % of MCA

of HECM Loans

Numeric 6 3.2 Total UPB of all HECM Loans that have a youngest 

borrower/co-borrower with an age in the borrower/co-
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4-1-2024 Ginnie Mae HMBS Pool Level Disclosure File Version 5.1 30

borrower grouping and are associated with a pool’s 

participations, expressed as a percentage of the total

Maximum Claim Amount (MCA) of the same HECM Loans. 

This UPB percentage is calculated by dividing the total

HECM Loan UPB for loans having a given condition

(youngest borrower/co-borrower age group) that are 

associated with a pool’s participations by the total of the 

HECM MCAs for those same HECM loans.
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Record Type 06 Age of Youngest Eligible Non-Borrowing Spouse Record

Item Data Element Type Max 

Length

Format Definition

01 Record Type = 06

. V

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 pool; this is assigned 

by Ginnie Mae at pool issuance.

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

05 Pool Type Character 2 The type of Ginnie Mae 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): 

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 Number of Participations Numeric 5 The number of participations in the pool associated with a 

loan that has an eligible non-borrowing spouse with an age in 

the eligible non-borrowing spouse age grouping.

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

09 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 Pool’s UPB. This UPB 

percentage is calculated by dividing the total participation 
Ginnie Mae HMBS Pool Level Disclosure File Version 5.1

4-1-2024 Ginnie Mae HMBS Pool Level Disclosure File Version 5.1 32

UPB of the given condition (youngest eligible non-borrowing 

spouse age group) by the Pool’s UPB. 

10 UPB of Participations as % of 

Principal Limit of HECM Loans

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 total Principal Limit of the 

associated HECM Loans. This UPB percentage is calculated 

by dividing the total participation UPB of the given condition 

(youngest eligible non-borrowing spouse age group) by the 

total of the HECM Principal Limits for all the loans associated 

with those Participations.

11 UPB of Participations as % of MCA

of HECM Loans

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 total Maximum Claim 

Amount (MCA) of the associated HECM Loans. This UPB 

percentage is calculated by dividing the total participation 

UPB of the given condition (youngest eligible non-borrowing 

spouse age group) by the total of the HECM MCAs for all the 

loans associated with those Participations.

12 HECM Loans UPB as % of 

Principal Limit of HECM Loans

Numeric 6 3.2 Total UPB of all HECM Loans where the youngest eligible 

non-borrowing spouse has an age in the eligible nonborrowing spouse age grouping and are associated with a 

pool’s participations, expressed as a percentage of the total 

Principal Limit of the same HECM Loans. This UPB 

percentage is calculated by dividing the total HECM Loan 

UPB for loans having a given condition (youngest eligible 

non-borrowing spouse age group) that are associated with a 

pool’s participations by the total of the HECM Loan Principal 

Limits for those same HECM loans.

13 HECM Loans UPB as % of MCA

of HECM Loans

Numeric 6 3.2 Total UPB of all HECM Loans where the youngest eligible 

non-borrowing spouse has an age in the eligible nonborrowing spouse age grouping and are associated with a 

pool’s participations, expressed as a percentage of the total 

Maximum Claim Amount (MCA) of the same HECM Loans. 

This UPB percentage is calculated by dividing the total
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Record Type 07 Metropolitan Statistical Areas (MSA) Code Record

HECM Loan UPB for loans having a given condition

(youngest eligible non-borrowing spouse age group) that are 

associated with a pool’s participations by the total of the 

HECM MCAs for those same HECM loans.

Item Data Element Type Max 

Length

Format Definition

. V

01 Record Type = 07 Character 2 Metropolitan Statistical Area (MSA) Stratification for each 

MSA applicable to the pool.

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 pool; this is assigned 

by Ginnie Mae at pool issuance.

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

05 Pool Type Character 2 The type of Ginnie Mae 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 Number of Participations Numeric 5 The number of participations in the pool for the MSA Value.

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

pool for the MSA Value.

10 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 Pool’s UPB. This UPB
Ginnie Mae HMBS Pool Level Disclosure File Version 5.1

4-1-2024 Ginnie Mae HMBS Pool Level Disclosure File Version 5.1 34

Record Type 08 State Code Record

percentage is calculated by dividing the total participation 

UPB of the given condition (MSA value) by the Pool’s UPB.

Item Data Element Type Max 

Length

Format Definition

01 Record Type = 08 Character 2 Property State 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 pool; this is assigned 

by Ginnie Mae at pool issuance.

04 Pool Indicator Character 1 Identifies the Issue Type of the pool. Values is H.

05 Pool Type Character 2 The type of Ginnie Mae 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 Number of Participations Numeric 5 The number of participations in the pool for the State Code

value.

08 Number of Participations for State 

as a % of Pool’s total Participation 

count

Numeric 6 3.2 The total number of Participations for the state expressed as a 

percentage of the pool’s total participation count.

09 Original Principal Balance of 

Participations

Numeric 14 11.2 The sum of the Participation Original Principal Balance 

amounts for all Participations in the pool associated with the 

given State.

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

pool for the State Code value.
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Record Type 09 Loan Purpose Record

11 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 Pool’s UPB. This UPB 

percentage is calculated by dividing the total participation 

UPB of the given condition (State Code value) by the Pool’s 

UPB.

Item Data Element Type Max 

Length

Format

. V

Definition

01 Record Type = 09 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 pool; this is assigned 

by Ginnie Mae at pool issuance.

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

05 Pool Type Character 2 The type of Ginnie Mae 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 Number of Participations Numeric 5 The number of participations in the pool associated with a 

loan that has the Loan Purpose value.

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

participations in the pool associated with a loan that has the 

Loan Purpose value.

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 Loan Purpose value, expressed as a
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Record Type 10 HECM Saver Record

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

calculated by dividing the total participation UPB of the given

condition (Loan Purpose) by the Pool’s UPB. 

Item Data Element Type Max 

Length

Format Definition

. V

01 Record Type = 10 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 pool; this is assigned 

by Ginnie Mae at pool issuance.

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

05 Pool Type Character 2 The type of Ginnie Mae pool. Appendix 1 provides a listing 

of pool types.

06 HECM Saver Numeric 1 HECM Saver: 

Y = Saver

N = Standard

07 Number of Participations Numeric 5 The number of participations in the pool associated with a 

loan that has the HECM Saver value.

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

participations in the pool associated with a loan that has the 

HECM Saver value.

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 HECM Saver value, expressed as a 

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

calculated by dividing the total participation UPB of the given 

condition (HECM Saver) by the Pool’s UPB. 
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Record Type 11 Low and Moderate Borrower Income Record

Item Data Element Type Max 

Length

Format Definition

01 Record Type = 11 Character

. V

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 pool; this is assigned 

by Ginnie Mae at pool issuance.

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

05 Pool Type Character 2 The type of Ginnie Mae 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 Number of Participations Numeric 5 The number of participations in the pool associated with a 

loan that has the Low and Moderate Borrower Income value.

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

participations in the pool associated with a loan that has the 

Low and Moderate Borrower Income value.

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 Low and Moderate Borrower Income value, 

expressed as a percentage of the 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 Pool’s UPB. 
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Record Type 12 Not Available Record

Item Data Element Type Max 

Length

Format Definition

01 Record Type = 12 Character 2 Not Available 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 pool; this is assigned 

by Ginnie Mae at pool issuance.

04 Pool Indicator Character 1 Identifies the Issue Type of the pool. Values is H.

05 Pool Type Character 2 The type of Ginnie Mae pool. Appendix 1 provides a listing 

of pool types.

06 Not Available Numeric 2 Values are:

1 = Expected Average Mortgage Interest Rate

2 = Servicing Fee Set Aside

3 = Original Funding Age

4 = Property Valuation Amount

5 = Original Term of Payments

6 = Property Charges Set Aside Amount

7 = Property Repair Set Aside Amount

8 = Original Available Line of Credit Amount

9 = Original Draw Amount

10 = Mortgage Margin

11 = Lifetime Floor Rate

12 = Remaining Available Line of Credit

13 = Monthly Scheduled Payment Amount

14 = Remaining Term of Payments

15 = Credit Line Set Aside Amount
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16 = Lifetime Interest Change Cap

17 = Annual Interest Rate Change Cap

18 = Maximum Interest Rate

19 = Eligible Non-Borrowing Spouse Age

20 = Initial Remaining Available Line of Credit Amount

21 = Initial Monthly Scheduled Payment Amount

07 Number of Participations Numeric 5 The number of participations in the pool associated with a 

loan that has the Not Available Value.

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

participations in the pool associated with a loan that has the 

Not Available Value.

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 Not Available Value.
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Record Type 13 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 = 13 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 pool; this is assigned 

by Ginnie Mae at pool issuance.

04 Pool Indicator Character 1 Identifies the Issue Type of the pool. Value is H.

05 Pool Type Character 2 The type of Ginnie Mae 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 Number of Participations Numeric 5 The number of participations associated with a loan in the 

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

value combination.

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

participations in the pool associated with a loan that has the 

Joint-Single Loan Indicator value/Gender value combination.

10 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 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 Pool’s UPB.

11 UPB of Participations as % of 

Principal Limit of HECM Loans

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 total
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Principal Limit of the associated HECM Loans. This UPB 

percentage is calculated by dividing the total participation 

UPB of the given combination (Joint-Single Loan Indicator 

value/Gender value) by the total of the HECM Principal 

Limits for all the loans associated with those Participations.

12 UPB of Participations as % of MCA

of HECM Loans

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 total 

Maximum Claim Amount (MCA) of the associated HECM 

Loans. This UPB percentage is calculated by dividing the total 

participation UPB of the given combination (Joint-Single 

Loan Indicator value/Gender value) by the total of the HECM 

MCAs for all the loans associated with those Participations.

13 HECM Loans UPB as % of 

Principal Limit of HECM Loans

Numeric 6 3.2 Total UPB of all HECM Loans that have the Joint-Single 

Loan Indicator value/Gender value combination and are 

associated with a pool’s participations, expressed as a 

percentage of the total Principal Limit of the same HECM 

Loans. This UPB percentage is calculated by dividing the 

total HECM Loan UPB for loans having the given 

combination (Joint-Single Loan Indicator value/Gender value) 

that are associated with a pool’s participations by the total of 

the HECM Loan Principal Limits for those same HECM 

loans.

14 HECM Loans UPB as % of MCA

of HECM Loans

Numeric 6 3.2 Total UPB of all HECM Loans that have the Joint-Single 

Loan Indicator value/Gender value combination and are 

associated with a pool’s participations, expressed as a 

percentage of the total Maximum Claim Amount of the same 

HECM Loans. This UPB percentage is calculated by dividing 

the total HECM Loan UPB for loans having the given 

combination (Joint-Single Loan Indicator value/Gender value) 

that are associated with a pool’s participations by the total of 

the HECM Loan Maximum Claim Amount for those same 

HECM loans.
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HMBS Pool Supplemental File Trailer Record (One Record in the HMBS Pool Supplemental File), Record Type TS

Item Data Element Type Max 

Length

Format Definition

01 Record Type = TS Character 2 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 Pool 

Supplemental records in the file. This count will not 

include HS or TS records.
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APPENDIX 1 – GINNIE MAE HMBS POOL TYPES

Pool Type Name Issue Type Pool Type

Ginnie Mae HMBS Pools

Fixed Rate Pool H RF

One Year Adjustable Rate, CMT H RA

Monthly Adjustable Rate, CMT H RM

One Year Adjustable Rate, LIBOR H AL

Monthly Adjustable Rate, LIBOR H ML

One Year Adjustable Rate, SOFR H SA