As announced in Disclosure Bulletin 2023-032​, Ginnie Mae is providing HMBS Portfolio Pool Disclosure test files for testing purposes. A full-size monthly disclosure file, “test-hmonthlyPS_202401.zip” and a full-size monthly disclosure file “test-hmonthlyS_202401.zip”, are provided with January 2024 period data on the Disclosure New Release Test File Download page.

Please note the following:

1. ​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.
• Funding Age = (the difference between the YYYYMM portion of the loan Funding Date and the YYYYMM of the Reporting Period) + 1 month

1. 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)

1. 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”.

This is reflected in the test file data.

The stratified-record format pool new issuance and monthly portfolio disclosures will replace the current format disclosures on the Disclosure Data Download Files page per the following schedule:

For questions related to this bulletin, please send an email to investorinquiries@hud.gov. Inquiries to this email will be addressed within 2 business days.