Using MISMO's iLAD XML Schema

October 16, 2019

This is the third article of a series about the new Industry Loan Application Dataset (iLAD) specification which was released by MISMO® (Mortgage Industry Standards Maintenance Organization) on September 4th2019. iLAD is expected to replace the Fannie Mae 3.2 file specification as the standard for exchanging loan application data. The first two articles provided an overview of ILAD and described the specification worksheet file. This article describes how to use the iLAD XML Schema Files to map data between iLAD and your own internal XML schemas.

What Are XML Schema Files Used For?

Schema files provide a standard way for defining how a data set is structured and organized, in other words, it defines the shape and format of the data. That specification is essential to allow different systems to communicate with each other.

Downloading and Extracting the iLAD 1.0.0 Files

MISMO's Industry Loan Application Dataset (iLAD) web page provides two download links:

  • iLAD industry Loan Application Dataset version 1.0.0 dated 08272019.xslx
    This link downloads the iLAD Specification worksheet, which was reviewed in an earlier article, Exploring the iLAD Specification.
  • iLAD Wrapper Schema V1 20190827.zip
    This second link download a compressed archive (zip file) that contains the files that comprise the iLAD XML Schema.    

Click on the link to download the iLAD Wrapper schema to your computer and then unzip it to a file folder. Here is a description of the folder's content:

iLAD Wrapper Schema File
iLAD_Schema_Wrapper_V1.xsd
An XML Schema “wrapper” that acts as an “envelope” that contains the MISMO XML schema Files and the schema extension files listed below. This is the file you should use when using an XML Schema Viewer such as Grid-ML to view the iLAD schema.
MISMO XML Schema Files

MISMO_3.4.0_B324.xsd

MISMOComplexTypeExtensionsB324.xsd

MISMOComplexTypesB324.xsd

MISMODataTypesB324.xsd

MISMOEnumeratedTypesB324.xsd

MISMOExtensionDetailsB324.xsd

xlink.xsd

xlinkMISMOB324.xsd

xml.xsd

These are the standard MISMO XML Schema files which are used by the iLAD Wrapper Schema. These are exactly the same files that make up the MISMO Residential Specification version 3.4.0.
Schema Extension Files
DU_ExtensionV3_4.xsd
Fannie Mae’s Desktop Underwriter (DU v1.7) extensions.
LPA_ExtensionV3_4.xsd
Freddie Mac’s Loan Product Advisor (DU v5.0.05) extensions.
ULAD_ExtensionV3_4.xsd
Uniform Loan Application Dataset (ULAD v1.7) extensions.
iLAD_ExtensionV3_4.xsd
Fannie Mae “flat file” (DU 3.2) data elements that were not already included in either the MISMO 3.4.0, ULAD, DU, or LPA datasets.
iLAD XML Sample File
iLAD_Wrapper_Sample_Test_Data_20190723.xml
A sample XML data file that contains MISMO data elements as well as “extension” data (i.e. not part the MISMO 3.4.0 specification) defined for ULAD, DU, LPA and iLAD.  This file will “validate” using the schema file.
Legal Info
READ_ME.docx
MISMO legal statements.

Setting up Grid-ML Schema Viewer

Entities implementing the iLAD Specification will probably need to create a data mapping specification to describe how to map iLAD to their own internal data schemas. For this article, I will use the Grid-ML online schema viewer, because it allows for simultaneously searching of multiple schemas side-by-side.

Setting up the iLAD Schema

After logging in to Grid-ML, click on the Setup Schemas button. In the Schema Setup page, drag the iLAD folder onto the appropriate area onscreen and then select the “iLAD_Schema_Wrapper_V1.xsd” file as the primary schema file.  This will allow all of the iLAD, ULAD, DU and LPA data elements to be searched in addition to the MISMO data elements. 

MISMO iLAD Schema Viewer

Grid-ML XML Schema Setup Screen

When you click Next, Grid-ML looks inside the primary schema file and automatically detects all secondary files that it includes or imports. Grid-ML then shows you the list of files that will be uploaded. Click Upload to upload the files to Grid-ML.

The final setup step is to choose which schema “root” element(s) to search. For this article, we are focused on data elements at the “DEAL” level only.

MISMO iLAD DEAL Element Selection

Grid-ML Root Element Selection

Setting up your Internal XML Schema

After loading the iLAD schema, you can also load your own internal schema. This allows you to search both schemas at the same time to find how related concepts are represented on each schema. To load you internal schema, just follow the same steps as above, but instead of selecting the iLAD files, use the files that define your own schema. Grid-ML allows you to setup as many schemas as you want.

In the examples below, I use a fictional “ACME Mortgage” internal data schema to illustrate that data mapping process. ACME Mortgage uses an internal data exchange format that uses MISMO elements plus additional ACME data elements that are not part of the MISMO specification.

Creating a Data Mapping Worksheet

Below is a simplified data mapping worksheet where we will list the iLAD data elements used by our fictional ACME Mortgage and their equivalent internal data elements. These data mapping worksheets are typically used by software developers who create the code to transform the data between a industry standard schema and their internal data exchange or storage formats.

iLAD Sample Data Mapping Worksheet

iLAD Sample Data Mapping Worksheet

Searching the Schemas for Data Elements

First, we’ll search for the BankruptcyCount element. Grid-ML finds one match in ACME_XML schema and one in the iLAD DEAL data structure.

Sample iLAD  Schema Search

Sample Multi-Schema Search

Copying the the iLAD XPath into the Data Mapping Worksheet
  1. From the Grid-ML screen, select the iLAD DEAL tab.
  2. In the search results column, select the ilad:BankruptcyCount element.
  3. In the locations column, drill down into the PARTIES element and select the parent container for for the ilad:BankruptcyCount element.
  4. Click Copy Full Path.
  5. Go to the data mapping worksheet and simply right-click on the iLAD XPath column cell to paste the path value you copied from Grid-ML.
Worksheet with iLAD Container XPATH

Worksheet with iLAD Container XPATH

Copying the iLAD Element Name and Definition to the Data Mapping Worksheet
  1. From the Grid-ML screen, turn on the “Copy Node Definition” check box
  2. Click Copy Node Name
  3. Copying iLAD XPATH with Element Definition

    Copying iLAD XPATH with Element Definition

  4. Go to the mapping worksheet and simply right-click on the iLAD Data Element cell to paste the data element name and definition simultaneously.
  5. Worksheet with iLAD XPATH, Element Name and Definition

    Worksheet with iLAD XPATH, Element Name and Definition

Copying Internal XPath, Element Name, and Definition to the Data Mapping Worksheet

To copy and paste the equivalent ACME Mortgage data specification, select the “ACME_XML” tab in the Grid-ML search screen and follow the same steps as described above. 

Copying Internal XPATH, Element Name and Definition

Copying Internal XPATH, Element Name and Definition

The complete data mapping specification for the ilad:BankruptcyCount element should look like this:

Complete MISMO iLAD Data Mapping Specification

Complete Data Mapping Specification for an iLAD Element

Mapping Additional Elements

This process can be repeated for all of the data elements needed for the iLAD – ACME data exchange. One of the advantages of using a tool like Grid-ML to build the data mapping worksheet is that it uses the XML schema files directly and eliminates spelling and other errors that are typical when using manual data entry or pasting from sources other than the data schema itself.

Locating Extension Data Using Grid-ML

As noted earlier, the iLAD schema contains MISMO extensions that support the iLAD, ULAD, DU and LPA data elements that were not part of the MISMO v3.4.0 Reference Model. Within the schema file, data elements for each of these extension types are tagged with what is called a “namespace prefix”. The table below lists the namespace prefix for each extension type.

Extension TypeNamespace Prefix
ILADilad:
ULADulad:
DU (Fannie Mae)du:
LPA (Freddie Mac)lpa:

To search for the data elements of a specific extension type, simply enter the namespace prefix at the Grid-ML Search for: prompt and the data elements with that extension type will immediately display. The example below shows the results when searching for ILAD extension elements. This can be repeated for any of the extension types:

Searching for iLAD Extension Elements using XML Namespace Search

Searching for iLAD Extension Elements

iLAD Versions – What’s Next?

Version 1 of the iLAD specification has been published by MISMO and contains the data elements that were part of the ULAD, DU, LPA, and Fannie Mae 3.2 “Flat File”. The Version 1 scope was limited so that it could be available to mortgage industry service vendors in a timely manner.

The MISMO Loan Application Data Exchange workgroup is already working on the next version of iLAD. Some of the additional data under consideration is the government agency data such as USDA Rural Housing, VA, or other mortgage data that is currently collected using proprietary data formats, paper forms or manually entered into data entry screens.

This MISMO development workgroup currently has conference call meetings every Tuesday from 1 – 2pm Eastern. MISMO members can find this workgroup’s meeting agendas, discussion posts and file library at the group’s home page. To become a MISMO member, more information can be found on the MISMO web site’s Join MISMO web page.

Written by

Mike Bixby

Mike Bixby

Mike Bixby is the president of Bixby Consulting Inc. which has been providing data integration support to the mortgage industry for over twenty years. Mike was one of the founding members of MISMO and has served on MISMO's Residential Governance Committee, MISMO's Board of Directors and was the Chair of MISMO's Credit Reporting Workgroup from 2000– 2010. Mike is also the Chair of MISMO's Information Management team, which reviews and approves all changes to the MISMO Reference Model, Logical Data Dictionary, Implementation Guides, and other MISMO products. Mike Bixby is also a partner in GridML LLC, which developed the Grid-ML XML Schema Viewer

Grid-ML XML Schema Viewer

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A lightning fast and intuitive tool for viewing and searching XML Schemas.