Snapdocs eNote mapping - MISMO

A MISMO level field mapping for the Snapdocs Closing Create eNote object

This guide maps the Snapdocs Closing API enote object fields on a hybrid_with_enote or full_eclose_with_enote signing_method closing mapped their corresponding MISMO v3.4/v3.5 Reference Model XML paths. These paths are consistent across both MISMO versions for the fields listed below.

📘

All MISMO paths are rooted at MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/ however, this prefix is omitted for readability and shown as DEAL/... below.

Some fields (execution location, property county) were renamed/deprecated between MISMO versions 3.4 and 3.5. the deprecated element name is noted where applicable, but the recommended v3.5 path is listed as the primary.

🚧

Not all mortgage tech partners interpret fields the same way. Please confirm values against real notes to ensure the MISMO mapping places the loan field in the path below.

Loan Terms

Snapdocs API Field	MISMO v3.4 / v3.5 XML Path
`original_loan_amount`	`DEAL/LOANS/LOAN/TERMS_OF_LOAN/NoteAmount`
`note_rate_percent`	`DEAL/LOANS/LOAN/TERMS_OF_LOAN/NoteRatePercent`
`scheduled_first_payment_date`	`DEAL/LOANS/LOAN/TERMS_OF_LOAN/ScheduledFirstPaymentDate`
`original_principal_and_interest_payment_amount`	`DEAL/LOANS/LOAN/PAYMENT/PAYMENT_RULE/InitialPrincipalAndInterestPaymentAmount`
`loan_maturity_date`	`DEAL/LOANS/LOAN/MATURITY/MATURITY_RULE/LoanMaturityDate`

Loan Identifiers

Snapdocs API Field	MISMO v3.4 / v3.5 XML Path
`lender_loan_id`	`DEAL/LOANS/LOAN/LOAN_IDENTIFIERS/LOAN_IDENTIFIER/LoanIdentifier` where `LoanIdentifierType = "LenderLoan"`
`mers_min_number`	`DEAL/LOANS/LOAN/LOAN_IDENTIFIERS/LOAN_IDENTIFIER/LoanIdentifier` where `LoanIdentifierType = "MERSMin"` — or equivalently — `DEAL/LOANS/LOAN/MERS_REGISTRATIONS/MERS_REGISTRATION/MERSMINIdentifier`
`agency_case_identifier`	`DEAL/LOANS/LOAN/LOAN_IDENTIFIERS/LOAN_IDENTIFIER/LoanIdentifier` where `LoanIdentifierType = "AgencyCase"`

Execution / Closing Information

Snapdocs API Field	MISMO v3.4 / v3.5 XML Path
`execution_date`	`DEAL/LOANS/LOAN/CLOSING_INFORMATION/CLOSING_INFORMATION_DETAIL/ExecutionDate`
`execution_city`	`DEAL/LOANS/LOAN/DOCUMENT_SPECIFIC_DATA_SETS/DOCUMENT_SPECIFIC_DATA_SET/EXECUTION/ADDRESS/CityName` (v3.5 preferred; deprecated element: `ExecutionCityName`)
`execution_state`	`DEAL/LOANS/LOAN/DOCUMENT_SPECIFIC_DATA_SETS/DOCUMENT_SPECIFIC_DATA_SET/EXECUTION/ADDRESS/StateCode` (v3.5 preferred; deprecated element: `ExecutionStateName`)

Subject Property

Snapdocs API Field	MISMO v3.4 / v3.5 XML Path
`property_street_address`	`DEAL/COLLATERALS/COLLATERAL/PROPERTIES/PROPERTY/ADDRESS/AddressLineText`
`property_city`	`DEAL/COLLATERALS/COLLATERAL/PROPERTIES/PROPERTY/ADDRESS/CityName`
`property_state`	`DEAL/COLLATERALS/COLLATERAL/PROPERTIES/PROPERTY/ADDRESS/StateCode`
`property_postal_code`	`DEAL/COLLATERALS/COLLATERAL/PROPERTIES/PROPERTY/ADDRESS/PostalCode`
`property_county`	`DEAL/COLLATERALS/COLLATERAL/PROPERTIES/PROPERTY/ADDRESS/CountyName` (v3.5 preferred; deprecated element: `PropertyCountyName` under PROPERTY_DETAIL)

Note Payee / Pay-To Address

Snapdocs API Field	MISMO v3.4 / v3.5 XML Path
`lender_unparsed_name`	`DEAL/PARTIES/PARTY/LEGAL_ENTITY/LEGAL_ENTITY_DETAIL/FullName` where `ROLES/ROLE/ROLE_DETAIL/PartyRoleType = "NotePayTo"`
`note_pay_to_street_address`	`DEAL/PARTIES/PARTY/ADDRESSES/ADDRESS/AddressLineText` where `PartyRoleType = "NotePayTo"`
`note_pay_to_city`	`DEAL/PARTIES/PARTY/ADDRESSES/ADDRESS/CityName` where `PartyRoleType = "NotePayTo"`
`note_pay_to_state`	`DEAL/PARTIES/PARTY/ADDRESSES/ADDRESS/StateCode` where `PartyRoleType = "NotePayTo"`
`note_pay_to_postal_code`	`DEAL/PARTIES/PARTY/ADDRESSES/ADDRESS/PostalCode` where `PartyRoleType = "NotePayTo"`

Loan Originator / Lender

Snapdocs API Field	MISMO v3.4 / v3.5 XML Path
`loan_originator_unparsed_name`	`DEAL/PARTIES/PARTY/LEGAL_ENTITY/LEGAL_ENTITY_DETAIL/FullName` where `PartyRoleType = "LoanOriginator"`
`loan_originator_nmls_id`	`DEAL/PARTIES/PARTY/LICENSES/LICENSE/LICENSE_DETAIL/LicenseIdentifier` where `PartyRoleType = "LoanOriginator"` and `LicenseAuthorityLevelType = "Federal"` (NMLS)
`loan_originator_individual_unparsed_name`	`DEAL/PARTIES/PARTY/INDIVIDUAL/NAME/FullName` where `PartyRoleType = "LoanOriginatorContact"` (individual loan officer)
`loan_originator_individual_nmls_id`	`DEAL/PARTIES/PARTY/LICENSES/LICENSE/LICENSE_DETAIL/LicenseIdentifier` where `PartyRoleType = "LoanOriginatorContact"` and `LicenseAuthorityLevelType = "Federal"` (NMLS)

Broker

Snapdocs API Field	MISMO v3.4 / v3.5 XML Path
`broker_name`	`DEAL/PARTIES/PARTY/LEGAL_ENTITY/LEGAL_ENTITY_DETAIL/FullName` where `PartyRoleType = "MortgageBroker"`
`broker_nmls_id`	`DEAL/PARTIES/PARTY/LICENSES/LICENSE/LICENSE_DETAIL/LicenseIdentifier` where `PartyRoleType = "MortgageBroker"` and `LicenseAuthorityLevelType = "Federal"` (NMLS)

ARM (Adjustable Rate Mortgage) Fields

These fields are only applicable when the eNote is for an adjustable-rate loan.

Snapdocs API Field	MISMO v3.4 / v3.5 XML Path
`first_rate_adjustment_date`	`DEAL/LOANS/LOAN/ADJUSTMENT/INTEREST_RATE_ADJUSTMENT/INTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULES/INTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULE/PerChangeRateAdjustmentEffectiveDate` where `AdjustmentRuleType = "First"`
`adjustment_frequency_months`	`DEAL/LOANS/LOAN/ADJUSTMENT/INTEREST_RATE_ADJUSTMENT/INTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULES/INTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULE/PerChangeRateAdjustmentFrequencyMonthsCount`
`first_rate_adjustment_max_percent`	`DEAL/LOANS/LOAN/ADJUSTMENT/INTEREST_RATE_ADJUSTMENT/INTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULES/INTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULE/PerChangeMaximumIncreaseRatePercent` where `AdjustmentRuleType = "First"`
`first_rate_adjustment_min_percent`	`DEAL/LOANS/LOAN/ADJUSTMENT/INTEREST_RATE_ADJUSTMENT/INTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULES/INTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULE/PerChangeMaximumDecreaseRatePercent` where `AdjustmentRuleType = "First"`
`subsequent_rate_adjustment_percent`	`DEAL/LOANS/LOAN/ADJUSTMENT/INTEREST_RATE_ADJUSTMENT/INTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULES/INTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULE/PerChangeMaximumIncreaseRatePercent` where `AdjustmentRuleType = "Subsequent"`
`lifetime_rate_adjustment_max_percent`	`DEAL/LOANS/LOAN/ADJUSTMENT/INTEREST_RATE_ADJUSTMENT/INTEREST_RATE_LIFETIME_ADJUSTMENT_RULE/CeilingRatePercent`
`lifetime_rate_adjustment_min_percent`	`DEAL/LOANS/LOAN/ADJUSTMENT/INTEREST_RATE_ADJUSTMENT/INTEREST_RATE_LIFETIME_ADJUSTMENT_RULE/FloorRatePercent`
`margin_rate_percent`	`DEAL/LOANS/LOAN/ADJUSTMENT/INTEREST_RATE_ADJUSTMENT/INTEREST_RATE_LIFETIME_ADJUSTMENT_RULE/MarginRatePercent`

Late Charge

Snapdocs API Field	MISMO v3.4 / v3.5 XML Path
`late_charge_grace_period_days`	`DEAL/LOANS/LOAN/LATE_CHARGE_RULES/LATE_CHARGE_RULE/LateChargeGracePeriodDaysCount`
`late_charge_rate_percent`	`DEAL/LOANS/LOAN/LATE_CHARGE_RULES/LATE_CHARGE_RULE/LateChargeRatePercent`
`late_charge_maximum_amount`	`DEAL/LOANS/LOAN/LATE_CHARGE_RULES/LATE_CHARGE_RULE/LateChargeMaximumAmount`
`late_charge_minimum_amount`	`DEAL/LOANS/LOAN/LATE_CHARGE_RULES/LATE_CHARGE_RULE/LateChargeMinimumAmount`