MISMO Version 3.6.2 Reference Model
Version 3.6.2 of the Reference Model was published as Candidate Recommendation status on October 29th 2025.
Version 3.6.2 of the MISMO Reference Model is a minor release with additive changes only and therefore it is expected that existing technical solutions require no change. Included in Version 3.6.2 of the MISMO Reference Model are updates and enhancements to:
- Support the MISMO Loan Boarding Data Segment
- Expanded enumerations for Credit Score Model Names & Credit Report Types
- Addition of the Automated Valuation Model (AVM) Common Confidence Score Rate
- Additional support for the MISMO Housing Counseling Dataset
- Support for the VA Report and Certification of Loan Disbursement (VA Form 26-1820) Dataset
- Maintenance changes to add data points, enumerated values, and containers.
The MISMO Reference Model includes an XML schema representation of the data and relationships that support industry business processes; a corresponding YAML file set that confirms to the OpenAPI specification; the logical data dictionary (LDD) which provides a business centric view of the model; a Unique ID Matrix that can be leveraged to streamline impact analysis and to accelerate implementation efforts; and more.
The Version 3.6.2 MISMO Reference Model package provided for public comment contains the Version 3.6.2 release notes detailing included updates; XML schema files; YAML files; and the LDD. Version 3.6.2 of the MISMO Reference Model is fully backward compatible with version 3.6.1 and includes the MISMO Unique ID.
MISMO members are provided with a version comparison report that highlights new data points, containers, and enumerations.
What It Includes
Key updates include:
- Support the MISMO Loan Boarding Data Segment
- Expanded enumerations for Credit Score Model Names & Credit Report Types
- Addition of the Automated Valuation Model (AVM) Common Confidence Score Rate
- Additional support for the MISMO Housing Counseling Dataset
- Support for the VA Report and Certification of Loan Disbursement (VA Form 26-1820) Dataset
- Maintenance changes to add data points, enumerated values, and containers.
Access Information for Members
MISMO Members can access the Member Only version of the reference model & supporting components in the Resource Library housed here on MISMO's Collaboration Site, "MISMO Connect".
The member version of the resource includes:
- XML Schema
- Enhanced Logical Data Dictionary (ELDD) with Unique IDs
- Logical Data Dictionary (LDD)
- YAML Files
- JSON Schema files
- Unique ID Matrix
- Version Comparison Report
- Release Notes
Access Information for Non-Members
Non-Members can access the reference model & supporting components listed below here:
- XML Schema
- Logical Data Dictionary (LDD)
- Release Notes