Business Reference Model

The Business Reference Model, also referred to as "B-Ref", is a high-level business model depicting common activities that may occur over the life of a loan.  Included in B-Ref is the MISMO Life of Loan process model.  The Life of Loan is a subset of B-Ref that enables business professionals and others to access information about MISMO products within the context of a specific business process.  Specifically Life of Loan includes:

  • Life of Loan Overview and Narratives
  • Appendix A: Residential Originations Process Model (searchable and clickable PDF)
  • Appendix B: Residential Servicing Process Model (searchable and clickable PDF)  

It allows the business-savvy reader to easily access MISMO Products by relating them to "typical" processes within the mortgage lifecycle. All processes in MISMO Life of Loan also have a short definition captured in the MISMO Business Glossary.

Select the following link to access the Business Reference Model.

The release and use of MISMO standards, including the Business Reference Model, are governed by the MISMO Intellectual Property Rights (IPR) Policy.