Portfolio Layout
The Portfolio report file, also called the Audit report, provides information about the FHA cases you are currently servicing. It includes critical FHA case information such as monthly premium, bill type, servicer transfer date, and more.
On the FHA Connection, this report is generated when requested, so all information is current. For the Alternate Report Retrieval process (secure file transfer process), an updated monthly Portfolio report file, with active cases only, is available on or about the first day of the month. A weekly Portfolio report file is also available through the Alternate Report Retrieval process and includes active and terminated cases.
| Field Name | Length | Type | Start Position | Picture | Description |
|---|---|---|---|---|---|
| Mortgagee ID | 5 | Alphanumeric | 1 | X(5) | Lender on record in HUD's Single Family Insurance System (SFIS) as servicing the case when the report file was created. First five digits of the FHA's unique 10-digit identifier assigned to the servicing lender. |
| FHA Case Number | 11 | Alphanumeric | 6 | X(11) | Unique 10-digit identifier assigned to the FHA loan by HUD. The first two positions identify the state where the property is located, the third position identifies the HUD Field Office territory in which the property is located, the next six positions identify the serial number, and the final position is the check digit. |
| Exempt Indicator | 1 | Alphanumeric | 17 | X(1) | Indicates if the loan is exempt from Risk-Based MIP payments. Values: Y=Yes, N=No. |
| Report Date | 8 | Alphanumeric | 18 | YYYYMMDD | Date the information for the Portfolio file was retrieved from SFIS/A43 and generated. |
| Section of the Act | 4 | Alphanumeric | 26 | X(4) | ADP code representing the section of the National Housing Act under which the case is insured. |
| Original Mortgage Amount | 7 | Numeric | 30 | 9(7) | Amount of the principal obligation stated on the mortgage (or other security instrument); includes upfront mortgage insurance premium (UFMIP), if UFMIP is financed. |
| Mature Date | 6 | Alphanumeric | 37 | YYYYMM | Month and year the loan matures. |
| Term | 3 | Numeric | 43 | 9(3) | Length of the loan in months, from the beginning of loan amortization until maturity. |
| Current Mortgagor | 22 | Alphanumeric | 46 | X(22) | Name of the current borrower (homeowner). |
| Interest Rate | 5 | Numeric | 68 | 99V999 | Original interest rate of the loan. |
| Status | 1 | Alphanumeric | 73 | X(1) | Current status of the case. A = Active Insurance Status C = Claim Termination T = Non-claim Termination |
| Begin Amort Date | 6 | Alphanumeric | 74 | YYYYMM | Month and year the loan amortization starts. |
| Bill Type | 1 | Alphanumeric | 80 | X | Type of premium billing for the loan based on the Single Family FHA program. 1 or DEF = Deferred (Section 530) 2 or ADV = Advanced (pre-Section 530) 3 or UP = Upfront (or One-Time) 4 or RB = Risk-Based |
| Street | 19 | Alphanumeric | 81 | X(19) | Street address of the property. |
| City | 18 | Alphanumeric | 100 | X(18) | City in which the property is located. |
| State | 2 | Alphanumeric | 118 | X(2) | State in which the property is located. |
| Zip | 9 | Alphanumeric | 120 | X(9) | Zip code within which the property is located. |
| Annual Premium | 7 | Numeric | 129 | 9(5)V99 | Current calculation of the annual Mortgage Insurance Premium for the loan. |
| Current Holder | 5 | Alphanumeric | 136 | X(5) | Mortgagee currently holding the loan (five-digit identifier assigned by HUD). |
| LTV | 5 | Numeric | 141 | 999V99 | Original loan to value (LTV) ratio. |
| Premium Rate | 3 | Numeric | 146 | 9V99 | Percentage the unpaid loan balance is multiplied by for the calculation of annual or monthly premium. For example, a value of 150 is 1.50% or .015. A value of 025 is 0.25% or .0025. |
| Upfront Factor | 5 | Numeric | 149 | V9(5) | Factor used to calculate the upfront premium as a percentage of the base loan amount. |
| Percent Financed | 5 | Numeric | 154 | 999V99 | Percentage of the upfront premium that was added to the base loan amount and financed by the lending institution. |
| Billing Years | 3 | Numeric | 159 | 9(3) | Number of years the monthly premium will be billed for the loan (the value is expressed in whole years only; partial years are rounded to the next whole year). |
| Monthly Premium | 7 | Numeric | 162 | 9(5)V99 | Current insurance premium due monthly for the loan. |
| Monthly P & I | 6 | Numeric | 169 | 9(4)V99 | Monthly principal and interest due on the loan. |
| Transfer/Termination Date | 8 | Alphanumeric | 175 | YYYYMMDD | Effective date of the most recent transfer (holder and/or servicer) or termination of FHA insurance on the case. Use Case Detail to get more specific information. |
| Endorse Date | 8 | Alphanumeric | 183 | YYYYMMDD | Date the loan was endorsed or approved for mortgage insurance. |
| Endorse Process Date | 6 | Alphanumeric | 191 | YYYYMM | Month and year the case was transferred to SFIS/A43 after endorsement. |
| Final Bill Date | 6 | Alphanumeric | 197 | YYYYMM | Month and year the last monthly premium will be assessed (due the first of the following month). |
| UPB @ 78% | 8 | Numeric | 203 | 9(6)V99 | Threshold amount the unpaid principal balance on the mortgage must reach to qualify for cancellation of monthly premium assessment (only applicable for active risk-based cases that have a closing date after December 30, 2000 and a case assignment date before June 3, 2013 and meet the eligibility requirements described in Mortgagee Letter 2000-46). |
| Risk-based Pricing | 1 | Alphanumeric | 211 | X(1) | Indicator specifying whether risk-based premium pricing is applicable to the case. Values: Y=Yes, N=No. |
| First-time Home Buyer | 1 | Alphanumeric | 212 | X(1) | Indicator specifying whether the borrower is a first-time home buyer. Y=Yes, N=No, or blank. |
| HUD-approved Counseling | 1 | Alphanumeric | 213 | X(1) | Indicator specifying whether the borrower received pre-purchase home ownership counseling from a HUD-approved counseling agency. Values: Y=Yes, N=No. |
| [Unused] | 1 | Alphanumeric | 214 | X(1) | Blank |
| Case Number Assignment Date | 8 | Alphanumeric | 215 | YYYYMMDD | Date the loan was assigned an FHA case number and a record for the case was established in HUD's system. |
| [Unused] | 80 | Alphanumeric | 223 | X(80) | Blank |
Total Record Length: 302
For the Alternate Report Retrieval process, see also Header and Trailer Records.