On Friday, December 13, 2013, Ginnie Mae will release monthly loan-level Disclosure data for existing, active Single-Family MBS. The first release will include both October and November Disclosure information. Thereafter, the file will be released on a monthly basis (10th business day at 6:00pm).
As with the test files that Ginnie Mae provided earlier this year (found in the Bulletin section of Ginnie Mae’s MBS Disclosure Data page), this data will include both New Issuances and existing loans/pools; it will be disclosed in two files, one for Ginnie Mae I data and one for Ginnie Mae II data. Both loan-level disclosure files will include information regarding borrowers’ debt-to-income ratios, delinquencies and credit scores.
To protect borrower’s privacy, Ginnie Mae is providing data as follows:
- Truncating the OPB and UPB at Issuance fields to the thousandths place (e.g. a value of 123456.78 will be disclosed as 123000.00)
- Blanking out the actual UPB for the first six months based on the Pool Issue Date; the actual UPB will begin to be disclosed in the seventh month.
- Masking the MSA field: data is blank for all loans
The text of the Term of Use is provided below:
Terms and Conditions for use of Single-Family Loan-Level Disclosure Data
Ginnie Mae’s single family loan level disclosure data is intended only for analysis of Ginnie Mae Mortgage Backed Securities (MBS). Ginnie Mae expressly prohibits the use of this data to identify any individual, or any sensitive information associated with that individual. Furthermore, Ginnie Mae strictly prohibits linking the single family loan level data to other information (whether publicly available or not) for the purpose of discerning an individual’s identity. By agreeing to these terms, you are acknowledging that you will use this data only for the purposes of analyzing credit performance of Ginnie Mae’s mortgage assets.
The Ginnie Mae loan level dataset is compiled from data submitted to Ginnie Mae by Ginnie Mae issuers. Ginnie Mae has no obligation to independently verify the underlying source data. The data may be incorrect or incomplete. Ginnie Mae provides no warranty, express or implied, on this data, and disclaims any liability for the accuracy, adequacy, completeness, legality, or reliability of the data. Ginnie Mae hereby disclaims any liability associated with the use of this data or any damages resulting from third party use. This disclaimer applies to both isolated and aggregate uses of this data.