MISMO Version 3.0

MISMO Version 3.0  is in Recommendation status which is the highest possible maturity level for a MISMO standard.  A Recommendation has been thoroughly reviewed and implemented by a wide range of organizations and industry participants.  

What It Includes

Version 3.0 of the MISMO Reference Model includes enhancements specific to:

  • Emphasis on origination and loan delivery
  • Provides common data definitions and data structures across multiple business lines

Access Information for Members

MISMO Members can access the Reference Model and LDD in the Resource Library housed on MISMO's Collaboration Site, "MISMO Connect"

Access Information for Non-Members

MISMO Reference Model

The MISMO Reference Model is an industry standard organization of information, including data and documentation, needed to support mortgage industry business processes and transactions. The Reference Model includes an XML schema representation of the data and relationships that support industry business processes; the Logical Data Dictionary (LDD) documenting standard business names, definitions, enumerations, formats and more; and included within the XML Schema are the SMART Doc® standards which provide formats for electronic formatting of documents.

Version 3.0 Residential Reference Model (Non-Member Version)

Version 3.0 Residential Reference Model (Innovation Investment Fee Payer Version)

Logical Data Dictionaries

The Logical Data Dictionary (LDD) provides the business view of the information and relationships included in the MISMO Reference Model. It includes standardized business names, definitions, enumerations, and much, much more all accessible in a business-friendly format.

Version 3.0 Logical Data Dictionaries (Non-Member Version)

Version 3.0 Logical Data Dictionaries (Innovation Investment Fee Payer Version)


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