generated: '2026-08-03'
method: searched
source:
- https://www.mismo.org/standards-resources/residential-specifications/reference-model
- https://www.mismo.org/standards-resources/mismo-product/mismo-version-3-6
- https://www.mismo.org/standards-resources/residential-specifications/datasets
type: Taxonomy
summary:
  note: >-
    MISMO's own categorisation of what it publishes, captured as the body states it. The
    Reference Model is the spine; the dataset specifications are profiles of it scoped to one
    business process or one regulator's form.
  reference_model_versions: 12
  dataset_specifications: 16

reference_model:
  current: 3.6.2
  status_of_3_6: Candidate Recommendation, May 2023
  status_of_3_6_1: Candidate Recommendation, May 2025 — backwards compatible with 3.6
  components:
  - name: XML schema
    note: the data and relationships supporting industry business processes
  - name: OpenAPI YAML file set
    note: >-
      MISMO's own description of v3.6 states it ships "a corresponding YAML file set that
      conforms to the OpenAPI specification"
  - name: Logical Data Dictionary (LDD)
    note: the business-centric view of the model
  - name: Unique ID Matrix
    note: for impact analysis and implementation acceleration
  versions_published: ['3.6.2', '3.6.1', '3.6', '3.5', '3.4', '3.3.1', '3.3', '3.2', '3.1',
    '3.0', '2', '1']

api_layer:
- name: MISMO API Toolkit
  note: enhanced in v3.6 as part of the initiative to develop standards for consumer transactions
- name: FIPS Code API
  note: returns loan limits based on the ZIP code of the subject property address

dataset_specifications:
- Adverse Action Notice Dataset
- BWIC Template and Mapping Specification
- Closing Instructions
- Federal Government Housing Agency Servicing Dataset
- Industry Loan Application Dataset (iLAD) 2.0.1
- Industry Loan Application Dataset (iLAD) 2.1.0
- Industry Loan Application Dataset (iLAD) 2.2.0
- Industry Loan Application Dataset (iLAD) 2.3.0
- Industry Loan Application Dataset (iLAD) 2.4.0
- IRS Form 4506-C & 4506-T
- Mortgage Compliance Dataset (MCD)
- Private Label RMBS Valuation
- Property and Valuation Services Procurement Dataset Specification
- VA Form 26-1880
- VA Form 26-8937

other_artifacts:
- name: SMART Doc
  note: the electronic document standard underpinning eMortgage and eNote work
- name: Entity Relationship Model
- name: Implementation Guides
- name: BPM + Reference Model Toolkit
- name: MISMO FRAME
- name: e-Eligibility Exchange
- name: Digital Mortgage Resource Center
- name: Logical Data Model
  versions: ['3.6', '3.5']

commercial:
  note: >-
    MISMO maintains a commercial track alongside the residential one, governed by the
    Commercial Standards Governance Committee.

access:
  posture: >-
    Every artifact above is distributed under the MISMO licence regime. There is no public
    GitHub organization and no anonymously fetchable specification URL, so none of it is
    reachable by ordinary API discovery.