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One Common Language Drives The Mortgage Finance Industry

MISMO, the Mortgage Industry Standards Maintenance Organization was created in 1999 to develop a common language for the exchange of information across the residential finance industry. Today, MISMO standards are accepted and deployed in every type of entity involved in creating mortgages, and they are required by most regulators and housing agencies. Using MISMO's standards has been found to reduce costs, streamline processes, improve accuracy, increase transparency, and boost investor confidence in mortgages as an asset class. By encouraging the digitization of mortgage processes and widespread adoption of electronic mortgages, MISMO has made the mortgage process easier and less costly for consumers, too. And MISMO is just getting started.

Why You Should Join MISMO Today

Membership in MISMO is open to anyone - mortgage lenders, banks, credit unions, mortgage servicers, third-party vendors and individuals. Every MISMO member receives a voice in creating new data standards used by the entire industry, and that's not all. By joining MISMO, you get:

  • Free tools and resources to improve loan quality and lower costs
  • Opportunities to collaborate with industry peers
  • Instant credibility with business partners and customers
  • Potential early insights into new reporting rules and guidelines
  • Access to industry contacts and conference attendee lists
  • Sponsorhip opportunities at industry events - and much, much more
Best of all, members receive instant access to MISMO data standards in any format - as well as access to ner standards before they are publicly released.

Why Wait? Join MISMO Today!


MISMO Releases HMDA Implementation Toolkit

MISMO has released a set of products to help companies implement the new CFPB HMDA rules. These tools, collectively referred to as the HMDA Implementation Toolkit offer a comprehensive collection of guidance, mapping documents, and other information about the rule and the use of MISMO in meeting the requirements of the rule. In particlar, the tools help companies build upon existing reporting requirements such as the GSE Uniform Mortgage Data Program (UMDP). By building upon already existing reporting requirements, companies should gain efficiencies in developing and maintaining their HMDA solution.

The MISMO HMDA Implementation Toolkit is available as a member benefit to MISMO Members and is available to all other industry participants for a small fee. Additional information on the Toolkit is available on the Toolkit Page .

Coming Soon! "MISMO Connect", MISMO's New Collaboration Tool

In order to improve information, resources, and tools provided to the MISMO community, MISMO will soon officially launch a new collaboration tool, "MISMO Connect". This new tool will replace MISMO's current SharePoint site and Listservs. MISMO staff and workgroup leaders are preparing MISMO Connect for its official launch date which will occur on Friday, September 23, 2016 . Until then, the SharePoint site and Listservs will continue to be used, as they have been, unless specific direction is provided otherwise from individual workgroups.

MISMO members are encouraged to log into MISMO Connect and join any of the Workgroup Community sites that are of interest while the sites are under construction. Simply enter your email address and the password you have established in your MBA/MISMO profile. If you are not currently a MISMO member and would like more information, see the information we have posted on the MISMO Membership page .

If you have any questions or would like more details, please send an email to INFO@MISMO.org

Certified MISMO Standards Professional (CMSP) Program

The Certified MISMO Standards Professional (CMSP) helps individuals and companies distinguish themselves from others by providing independent certification of expertise with the MISMO standards. If you want to become one of the select individuals with this designation - check out the CMSP today!

MISMO congratulates our recently designated CMSPs:

  • Michelle Pogatchnik, Data Analyst, Real EC
  • James Adams , Manager, Actualize Consulting

Review the complete list of Certified MISMO Standards Professionals (CMSPs)

MISMO Software Compliance Certification

MISMO Software Compliance Certification provides a level of assurance that your products comply with industry standards. If compliant, providers can showcase their competitive advantage with a "MISMO Compliant" certification mark.

MISMO congratulates the following on being awarded MISMO's Premiere Level Certification:

MISMO congratulates the following on being awarded MISMO's Standard Level Certification for TILA/RESPA Integrated Disclosures (TRID):

For more information on these and other Software Certification awards, see MISMO's Software Compliance Certification Program Information .

Adopt MISMO Standards

MISMO, the Mortgage Industry Standards Maintenance Organization, saves time and reduces costs, improves accuracy, increases data transparency and boosts investor confidence in mortgages as an asset class. Through the support of its subscribers, MISMO supports free and open access to the final releases of its standards. This access enables you to begin integrating MISMO standards into your business. Your adoption of MISMO standards gives you the ability to operate smoother, faster and better to improve your bottom line.

Standards Categories

Residential Mortgage Specifications
Commercial Mortgage Specifications
eMortgage Guidelines and Recommendations






MISMO Staff thank ALTOVA for their support of the MISMO Standards development process. ALTOVA has provided multiple copies of XMLSpy XML Editor software for MISMO's use with XML Schema development and other XML editing tasks.