Logical Data Model Version 3.6

MISMO's Logical Data Model (LDM) is a business centric model that makes it easier for organizations to communicate regardless of the technologies they choose to use for communicating with business partners. The LDM supports XML, as MISMO has always done, and also supports JSON, which is the technology of choice for consumer transactions but is not limited to either since the LDM was built using UML® a standard modeling language created by the Object Management Group®.

Version 3.6 of the MISMO Logical Data Model was approved as Candidate Recommendation status in May of 2023.

MISMO now offers an Enhanced Logical Data Dictionary (ELDD) for MISMO Member Access.  The most current ELDD supports version 3.5 of the LDM.

What It Includes

Version 3.6 of the MISMO Logical Data Model includes updates and enhancements to support the:

  • GSEs’ updated residential appraisal data exchange, Uniform Appraisal Dataset (UAD®)
  • Private Label RMBS rating agency asset valuation data exchange for faster, more efficient, and more accurate due diligence necessary for securitizing private label residential mortgages;
  • Exchange of closing instructions, improving communications and avoiding delays during closing between the lenders and closing agents;
  • Ability to electronically verify that data is consistent with information presented in a document, such as the loan application, and that the data has not been tampered with putting trust into the data through the Version 3 Verifiable Profile SMART Doc ® standard;
  • Enhancements to the MISMO API Toolkit, leveraging MISMO’s initiative to develop standards for consumer transactions;
  • FIPS Code API that returns loan limits based on Zip Code of the subject property address;
  • New document data mappings for several industry forms including the VA Form 1880, Adverse Action, 4506T, and 4506C;
  • Maintenance changes to add, change, and deprecate data points, enumerated values, containers, as appropriate.

Supplemental documentation including Release Notes and a Change list are included in the LDM zip file.

Access Information for Members

If you are a MISMO member, an expanded package of documents is available.  The expanded package includes everything available plus a .eap (SPARX) version of the LDM; and an .XMI file with class diagrams.  Follow this link to access the documentation available for MISMO members: LDM Member Version.

Access Information for Non-Members

Innovation Investment Fee Payers can access the Logical Data Model  here. 

Non-MISMO members can access the Logical Data Model  here.

For more information contact [email protected]


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