A Common Language

Enabling the efficient exchange of information across the mortgage industry.

Laying the Groundwork

MISMO standards have created a foundation for driving innovation and value.

Serving the Mortgage Industry

Making the mortgage process more efficient and less costly for industry participants and consumers.

Let's Work Together

Discover the benefits of membership.

MISMO is the Language of Lending

Through broad industry collaboration, MISMO creates standards that support solutions to the industry's toughest business issues, reduce costs, and improve transparency and communications in housing finance.

Taxpayer Consent Language

MISMO's model Taxpayer Consent Language provides a consistent way for the mortgage industry to comply with the Taxpayer First Act which requires the taxpayer to provide consent for the express purpose for which their tax information will be used. Additionally, the taxpayer must provide consent for their tax information to be shared with other parties.  Learn more Here! Register for the Thursday, February 20h Taxpayer Consent webinar here.


Collaboration in Progress

Have you seen the just published article API Standards - The Mortgage Industry's Next Big Challenge?  Check it out and learn more about some of the exciting work underway.                   


MBA Announces $2 ML Investment in MISMO

The MBA announced that it will invest $2 million as seed funding to enable MISMO to extend staff support and accelerate development of key initiatives such as a uniform dataset for private label mortgage-backed securities, a standardized closing instructions template, harmonized remote online notary (RON) standards, common standards to encourage B2B and B2C mobile communications, and appraisal and rent roll standards for commercial and multifamily lenders.

Become a MISMO Champion

The MISMO Champions program offers members the opportunity to support MISMO at a higher level and receive exciting benefits in return, including complimentary Summit registrations and much, much more.

Get Certified

Become a Certified MISMO Standards Professional (CMSP®) and get recognized for your advanced knowledge of MISMO best practices, or enroll your products in the MISMO Software Compliance Certification Program to gain a competitive edge in the marketplace.

2020 Spring Summit

Join us in Charleston, SC from June 1-5, 2020 to engage in face-to-face standards activities and educational sessions. Our Summits are designed to meet the needs of those new to MISMO and MISMO veterans alike. 

The Latest News

  • Amid Rapid Change, MISMO Adapts

    “We are growing, working to be faster, working to provide more value and support for the industry,” said Rick Hill, Executive Vice President of MISMO and Vice President of Industry Technology with the Mortgage Bankers Association.

  • API Standards: The Mortgage Industry's Next Big Challenge

    While relatively new to the mortgage industry, Interest in application programming interfaces and microservices is soaring. These system-to-system technologies have the potential to tremendously enhance communications between lenders, technology vendors and service providers, much better than the traditional, large-scale integrations to exchange data between monolithic systems that are in use today.

  • MISMO Updates eMortgage Closing Guide and eMortgage Glossary

    The eMortgage Closing Guide describes general eClosing concepts, provides general guidelines for electronic closing platforms and services, and explains the legal framework surrounding electronic closing. The eMortgage Glossary is a supplemental resource of terms and descriptions related to eMortgages. The eMorgage Guide and Glossary are being released for a 45-day comment period for MISMO members.

  • IRS Issues Clarification on Taxpayer Consent, Disclosure Requirements

    The Internal Revenue Service yesterday posted a clarification on the effective date of new taxpayer consent and disclosure requirements needed to obtain and share IRS tax transcript information with investors, servicers and due diligence firms.

  • MISMO Releases Closing Instructions Templates for Public Comment

    MISMO®, the mortgage industry standards organization, released its new closing instructions templates for public comment.

MISMO Champions