MISMO 3.4 Export

Generate a Fannie Mae MISMO 3.4 loan application file directly from a call recording. Aila extracts the borrower's responses during the conversation, maps them to the FNMA dataset, and produces an XML file you can import into your LOS or run through Desktop Underwriter (DU).

When to use it

• After a discovery, pre-qualification, or 1003 intake call
• When you want to seed a loan application without re-keying borrower data into your LOS
• For sparse early-stage calls where you want a draft to finish later, and for full intake calls where you want a complete export ready for DU

Exporting from a call

1. Open the call detail page.
2. Click Actions in the top right.
3. Click Export MISMO 3.4.

A review modal opens with every MISMO field Aila extracted, organized by the standard 1003 sections (Personal Information, Current Address, Employment, Income, Assets, Liabilities, REO, Loan, Property, Declarations, Demographic Information).

Review and edit before export

Each field in the review modal is editable. Click the pencil next to a field to correct or fill in a value. All edits are tracked in an audit log so you can see who changed what and when.

The header summarizes what's in the export at a glance:

• Total fields — how many MISMO fields are populated or empty in this export
• Editable — which can be edited inline (the rest are derived or enumerations)
• Empty — fields that came back blank from the call (often expected for early-stage conversations)
• Warnings — fields that fail FNMA validation (missing required values, invalid formats, mismatched enumerations)

Pre-export validation

Aila runs FNMA-style validation before letting you download. If anything is likely to make DU reject the file, it shows up as a warning so you can fix it inside Aila instead of bouncing the file off DU and back.

Common warnings:

• Required field is empty (e.g. loan purpose, occupancy type)
• Marital status doesn't match a valid MISMO enumeration
• Monthly income is unparseable or has more than two decimal places
• REO property listed without an address or estimated value

You can still export with warnings — they're flags, not blockers — but addressing them up front saves a DU round trip.

Download

Click Confirm & Download XML to download the file. The filename includes the call ID and timestamp so you can match downloads back to the source call later. Import the XML into your LOS via the standard FNMA 3.4 / 1003 import flow.

Edge cases handled

• REO / owned properties. When a borrower mentions a property they currently own, Aila maps it to the right MISMO REO section so equity and down-payment math works (especially when the borrower is selling a current home to buy a new one).
• Sparse drafts. If the call only covered part of the application, Aila still produces a valid MISMO file you can finish in your LOS — empty fields stay empty rather than being filled with placeholder values.
• Co-borrowers. Calls with two borrowers on the line are split into borrower and co-borrower sections.
• Numeric formatting. Monthly income, down-payment amounts, and other currency fields are formatted to two decimal places to satisfy FNMA's parser.
• Marital status. Validated against the MISMO enumeration list before export so DU doesn't reject the file on a known string mismatch.

Troubleshooting

"Some fields are showing as Not Provided even though the borrower mentioned them." — Open the field in the review modal and edit it manually. If you see this happen consistently for the same field, reply to the product update email with the call link and the field name so we can tighten the extraction.

"DU rejected the file." — Check the warnings count in the review modal before exporting; resolve any flagged fields and re-export. If DU rejects despite zero warnings, send the rejection message and the call link to holt@aila.fyi.

"The audit log doesn't show my edit." — Refresh the call detail page — edits are saved in the background and the modal sometimes shows a stale state right after a save.