Normal xml after using HTML encode:
<soapenv:Envelope
	xmlns:soapenv="http://schemas.xmlsoap.org/soap/envelope/">
	<soapenv:Header>
		<tns:SoapAuthHeader
			xmlns:tns="https://namespace.com">
			<tns:UserName>user</tns:UserName>
			<tns:Password>pwd</tns:Password>
		</tns:SoapAuthHeader>
	</soapenv:Header>
	<soapenv:Body>
		<ser-root:SubmitRequestResponse
			xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
			xmlns:ser-root="https://namespace.com">
			<SubmitRequestResult>
				&lt;Response&gt;
					&lt;ReturnCode&gt;0&lt;/ReturnCode&gt;
					&lt;ErrorMessage&gt;Submit Application Successful&lt;/ErrorMessage&gt;
					&lt;Details/&gt;
				&lt;/Response&gt;
			</SubmitRequestResult>
		</ser-root:SubmitRequestResponse>
	</soapenv:Body>
</soapenv:Envelope>

Raw format:

<soapenv:Envelope
	xmlns:soapenv="http://schemas.xmlsoap.org/soap/envelope/">
	<soapenv:Header>
		<tns:SoapAuthHeader
			xmlns:tns="https://namespace.com">
			<tns:UserName>user</tns:UserName>
			<tns:Password>pwd</tns:Password>
		</tns:SoapAuthHeader>
	</soapenv:Header>
	<soapenv:Body>
		<ser-root:SubmitRequestResponse
			xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
			xmlns:ser-root="https://namespace.com">
			<SubmitRequestResult>
				&amp;lt;Response&amp;gt;
					&amp;lt;ReturnCode&amp;gt;0&amp;lt;/ReturnCode&amp;gt;
					&amp;lt;ErrorMessage&amp;gt;Submit Application Successful&amp;lt;/ErrorMessage&amp;gt;
					&amp;lt;Details/&amp;gt;
				&amp;lt;/Response&amp;gt;
			</SubmitRequestResult>
		</ser-root:SubmitRequestResponse>
	</soapenv:Body>
</soapenv:Envelope>