MISMO Is the Language of Lending


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Our vision is to standardize how the mortgage industry communicates. Use of MISMO's standards has
been found to lower per loan costs, improve margins, reduce errors and speed up the loan process.

What Members Say

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MISMO Standards are essential for increasing efficiency in mortgage transactions and accelerating our industry's digital transformation. As a lender, MISMO's work is more important than ever before.

John Hedlund

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MISMO …. gives the industry a common language around data standards. It impacts the quality of the loans so you know there is consistency across lenders so we are all using the same standards. This levels the playing field and is absolutely critical for the industry.

Kristy Fercho, Executive Vice President & Head of Home Lending, Wells Fargo

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MISMO plays an incredibly important role in helping to create the standards and interconnectivity for digital solutions in mortgage. A rising tide lifts all ships and that is what creating standards is all about.

Steve Smith, Co-Founder and CEO, Finicity

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MISMO is leading digital lending innovation and is raising the bar for every mortgage lender and servicer.

Brian Woodring, Chief Information Officer, Rocket Mortgage Companies

Latest Initiatives

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This initiative is focused on defining the standard loan data fields and delivery format that Lenders must provide State Regulators.


The MISMO Housing Counseling DWG focuses on delivering value to the industry by creating a unified data set for the housing counseling industry.


This DWG will perform research and outreach to determine if MISMO should create a data standard for Commercial Electronic Notes (eNotes).

MISMO Statistics


Innovation Investment Fee payers


Ongoing Initiatives


    MISMO member organizations


eMortgage Certified Platforms