Mortgage Industry Standards Maintenance Organization, Inc. (MISMO) was established by the Mortgage Bankers Association (MBA) to coordinate the development and maintenance of Internet based Extensible Markup Language (XML) real estate finance specifications. MISMO utilizes an open and democratic vendor-neutral approach to the development and maintenance of a single real estate finance XML DTD transaction repository. MISMO has published specifications that support mortgage insurance application, mortgage insurance loan boarding, secondary, bulk pricing, real estate services, credit reporting and underwriting process areas. The specifications are freely available for industry implementation via the MISMO website.