The MISMO organization has developed a robust set of XML standards for the Residential mortgage industry through the work of its dedicated workgroups. This page contains a list of the MISMO Residential workgroups along with the Chair and Vice-Chair and the address of the electronic mailing list used by the workgroup for announcements and discussion forums. To join one or more of the mailing lists listed below, please visit the Listserv Sign Up page.
If you have questions or comments about MISMO's organization, please email info@mismo.org.
| | | Purpose:
| Oversees the development and proposed maintenance of all MISMO specifications.
| | Mailing list:
| mismo_xml_architecture@listmanager.mismo.org
| | Chair:
| David Krause, Mortgage Bankers Association
| | Vice Chair:
| Greg Alvord, Optimal Blue | | Chief Architect:
| Greg Alvord, Optimal Blue, LLC
| | | | | Purpose:
| The Core Data/Structures Workgroup ensures that consistent data definitions and business information is used across all the MISMO real estate finance specifications. Using data modeling and relational concepts, the group maintains consistent data structure usage for the development of Version 3.0 in XML schema.
| | Mailing list:
| mismo_core_data@listmanager.mismo.org
| | Chair: | Ted Adams , Freddie Mac | | Vice Chair: | Mike Bixby, eHereNow | | Additional Information | Core Data Structures | | | | | Purpose:
| Enables standards-based methodology, practice, and guidance for the transport, routing and packaging of residential mortgage information. The workgroup defines and develops message exchange patterns for enterprise and trading partner exchange of data and documents for a variety of mortgage banking industry activities.
| | Mailing list:
| mismo_xmla_enveloping@listmanager.mismo.org
| | Chair:
| Rachael Sokolowski, Magnolia Technologies | | Vice Chair: | RJ Schlecht, MBA | | Additional Information | Interface Architecture Workgroup | | |
| | | | Purpose:
| Define a common format for use in transferring mortgage servicing to the residential secondary market. The business data include, but are not limited to bulk transfer, pricing of products, flow/correspondent delivery, secondary marketing, and other related areas.
| | Mailing list:
| mismo_secondary@listmanager.mismo.org
| | Chair:
| Mark Friend, Freddie Mac | | Vice Chair: | Vacant
| | Additional Information: | Secondary Workgroup Page | | |
| | | Purpose: | This is the combined working group that represents all the real estate services independent workgroups. It provides a vehicle for MISMO to manage consistent mechanisms and containers for shared needs across these groups. This allows for greater reuse and increased ease of adoption across service areas. Examples of overlapping areas include status handling, product ordering, and embedded files for responses.
| | Mailing list:
| mismo_multi_services@listmanager.mismo.org
| | Chair:
| Eric Mayling, First American Real Estate Information Services
| | Vice Chair:
| Vacant
| | Additional Information | Under Construction | | | | | Purpose:
| Manages data elements that can be used by a mortgage originator to request, track and cancel credit reports that are typically required in mortgage lending.
| | Mailing list:
| mismo_credit_report@listmanager.mismo.org
| | Co-Chair: | Paul Wills, Equifax | | Co-Chair: | Mike Bixby, eHereNow | | Additional Information | Credit Workgroup page | | | | | Purpose:
| Manages business data and resulting electronic formats used to request and report flood-related information associated with a real estate transaction.
| | Mailing list:
| mismo_flood@listmanager.mismo.org
| | Chair: | Beth Martel, First American Real Estate Information Services
| | Vice Chair: | Rob Allen, Kroll Factual Data
| | Additional Information | Flood Workgroup Landing page | | | | | Purpose:
| Defines data elements and transactions used to identify, track and prevent fraud in the mortgage industry.
| | Mailing list:
| mismo_fraud_detection@listmanager.mismo.org
| | Chair: | Denise James, Choicepoint | | Vice Chair: | Igor Katic, Kroll Factual Data | | Additional Information:
| Fraud Detection Workgroup Page | | |
| | Purpose:
| TBD
| | Mailing list:
| mismo_govt_housing@listmanager.mismo.org
| | Chair: | Dan Kahn, HUD | | Vice-Chair: | name, company | | Additional Information | Under Construction | | | | | Purpose:
| Manages data elements necessary for a mortgage originator to request and communicate the receipt and disposition of mortgage insurance and provide supporting information needed to obtain a mortgage insurance commitment on one or several residential mortgage loans, and supports business transactions relative to servicing-related mortgage insurance transactions
| | Mailing list:
| mismo_mortgage_insurance@listmanager.mismo.org
| | Chair: | Michael Fleck, AIG United Guaranty | | Vice Chair: | Nancee Gorenstein, Mortgage Guaranty Insurance Corporation | | Additional Information | Mortgage Insurance Landing page | | | | | Purpose:
| Maintains the business data definitions and resulting electronic formats used to report and value real estate property information
Real estate property information may incorporate the business information found in real estate appraisals, broker price opinions (BPO), multiple listing services (MLS), inspections and public records that can be used to initiate, modify, or cancel requests for real estate property descriptions. The transaction sets are used to transfer information among real estate industry participants.
| | Mailing list:
| mismo_repi@listmanager.mismo.org
| | Chair: | Rob Frazier, First American CoreLogic | | Vice Chair: | John Cirincione, Appraisal Institute | | Additional Information | P&VS Landing page | | | | | Purpose:
| Maintains the business data, definitions, and resulting electronic formats used to request and report real estate tax information
The group is working from existing EDI transactions to develop business elements for XML data transfer.
| | Mailing list:
| mismo_real_estate_tax@listmanager.mismo.org
| | Chair: | Denise Jones, ZC Sterling | | Vice Chair: | Gretchen Peterson, Dexma | | Additional Information:
| Tax Workgroup Page | | | | | Purpose:
| Manages data elements necessary to order, update or cancel title services from a title insurance services company
| | Mailing list:
| mismo_title_insurance@listmanager.mismo.org
| | Chair: | Charles Epperson, Stewart Title Guaranty | | Vice Chair: | Eric Mayling, First American Real Estate Information Services | | ALTA Representative: | Kelly Romeo, American Land Title Association | | Additional Information | Title Workgroup page | | |
| | Purpose: | Several MISMO Workgroups are developing standards that cross the boundaries among residential, eMortgage, and commercial standards. While initially focused on the residential arena, their domain is expected to be expanded to coordinate with the other sectors.
| | | | | Purpose:
| Focuses on the development, promotion and maintenance of voluntary electronic commerce standards for the exchange of automated business rules for the mortgage industry
| | Mailing list:
| mismo_business_rules@listmanager.mismo.org
| | Chair:
| John Liston, Associated Software Consultants, Inc.
| | Chair:
| Soofi Safavi, Radian Guaranty, Inc.
| | Additional Information:
| Business Rules Workgroup Page
| | | | | Purpose:
| Develops a standardized methodology to identify an electronic document by type and convey related information about the document
| | Mailing list:
| mismo_document_classification@listmanager.mismo.org
| | Chair:
| Rick Moseley, Doxentric, LLC
| | Vice Chair: | Pat Ditlevson, Wolters Kluwer Financial Services
| | Additional Information:
| Document Classification Workgroup Page
| | | | | Purpose:
| The eMortgage Closing Interface Transactions workgroup (eMCIT) defines and develops interfaces that include residential data and documents within a package for an electronic closing between parties.
| | Mailing list:
| mismo_emcit@listmanager.mismo .org
| | Chair:
| Rachael Sokolowski, Magnolia Technologies | | Vice Chair: | Vacant
| | | | | Purpose:
| Provides security-related recommendations, guidelines, education and content in support of the other MISMO Workgroups
| | Mailing list:
| mismo_information_security@listmanager.mismo.org
| | Chair:
| Dick Taylor, Fiserv
| | Vice-Chair:
| Cynthia Watson, First American
| | SISAC Representative:
| RJ Schlecht, Mortgage Bankers Association
| | Additional Information:
| Information Security Workgroup Page
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