aid: mismo
url: https://raw.githubusercontent.com/api-evangelist/mismo/refs/heads/main/apis.yml
name: MISMO
description: MISMO — the Mortgage Industry Standards Maintenance Organization — is the standards development
  body for US real estate finance, founded in 1999 and a not-for-profit wholly owned subsidiary of the
  Mortgage Bankers Association since 2004. Its Reference Model defines the data of a loan from application
  through closing, servicing and the secondary market, and version 3.6 ships an XML schema, a Logical
  Data Dictionary, a Unique ID Matrix and a YAML file set that conforms to the OpenAPI Specification,
  alongside a MISMO API Toolkit and services such as a FIPS Code API. Around the Reference Model sit sixteen
  dataset specifications — iLAD, the Mortgage Compliance Dataset, the IRS 4506-C, the VA forms, adverse
  action, closing instructions — plus SMART Doc and the eMortgage and eNote work, and certification programmes
  for RON, eClosing, eVault and SMART Doc systems. MISMO standards are accepted and deployed by every
  type of entity involved in creating mortgages and are required by most regulators, housing agencies
  and the GSEs. It governs in the open — fourteen bodies and their rosters are published — and distributes
  behind a $3,500 annual membership and a licence agreement, which is the exact inverse of the specifications-as-code
  posture CAMARA and NMFTA took.
tags:
- API Standards
- Data Standard
- Fannie Mae
- Freddie Mac
- Financial Services
- GSE
- Lending
- MBA
- MISMO
- Mortgage
- Real Estate
- Real Estate Finance
- Reference Model
- SMART Doc
- Standards
- Standards Body
- United States
- XML
kind: standard
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/mismo.png
access: 3rd-Party
created: '2026-08-03'
modified: '2026-08-03'
position: Producing
specificationVersion: '0.20'
x-type: standards-body
x-category: Specification
x-host: Mortgage Bankers Association
x-host-structure: Not-for-profit wholly owned subsidiary
common:
- type: Portal
  url: https://www.mismo.org/
- type: AboutUs
  url: https://www.mismo.org/about-MISMO
- type: Specification
  url: https://www.mismo.org/standards-resources/residential-specifications/reference-model
- type: Documentation
  url: https://www.mismo.org/standards-resources/residential-specifications/datasets
- type: Governance
  url: https://www.mismo.org/about-MISMO/mismo-leadership
- type: Participants
  url: https://www.mismo.org/membership/member-directory
- type: Membership
  url: https://www.mismo.org/membership/become-a-mismo-member
- type: License
  url: https://www.mismo.org/standards-resources/additional-tools-and-resources/about-mismo-licenses/mismo-license-faqs
- type: Contributing
  url: https://www.mismo.org/get-involved/participate-in-a-mismo-workgroup
- type: Calendar
  url: https://www.mismo.org/quicklinks/workgroup-meeting-schedule
- type: Certification
  url: https://www.mismo.org/
  name: RON, eClosing, eVault and SMART Doc system certifications
- type: News
  url: https://www.mismo.org/about-MISMO/news
- type: Newsletter
  url: https://www.mismo.org/about-MISMO/news
  name: MISMO Matters
- type: Contact
  url: https://www.mismo.org/
- type: Governance
  url: governance/mismo-governance.yml
- type: Taxonomy
  url: taxonomy/mismo-taxonomy.yml
- type: People
  url: people/mismo-people.yml
- type: Companies
  url: companies/mismo-companies.yml
- type: Leads
  url: leads/mismo-new-company-leads.yml
- type: Features
  updated: '2026-08-03'
  sources:
  - https://www.mismo.org/about-MISMO
  - https://www.mismo.org/about-MISMO/mismo-leadership
  data:
  - 'Host: Mortgage Bankers Association; MISMO founded 1999, MBA subsidiary since 2004'
  - 'Current Reference Model: 3.6.2; 3.6 reached Candidate Recommendation May 2023'
  - 'Reference Model versions published: 12'
  - 'Dataset specifications: 16, including five iLAD versions'
  - Reference Model ships an OpenAPI-conformant YAML file set
  - 'Governance bodies: 14'
  - 'Named people harvested: 89, of whom 74 carry an employer'
  - 'Participating organizations: 52'
  - 'Organizations already in the API Evangelist network: 19'
  - 'Membership: $3,500 per year, includes distributor and end-user licences'
  - 'Public GitHub organization: none'
  - 'Anonymously fetchable specification URL: none'
maintainers:
- FN: Kin Lane
  email: info@apievangelist.com
  X: apievangelist
  url: https://apievangelist.com