The Mortgage Industry Standards Maintenance Organization(MISMO) is a not-for-profit, wholly owned subsidiary of the Mortgage Bankers Association (MBA) responsible for developing standards for exchanging information and conducting business in the U.S. mortgage finance industry.[1][2] It has more than 175 member organizations representing a cross-section of the residential and commercial mortgage industries.[3]
MISMO standards are accepted and deployed by almost every entity involved in creating or regulating mortgages in the United States, including banks, credit unions, mortgage lenders, Fannie Mae, Freddie Mac, Ginnie Mae, the Federal Housing Administration and the Consumer Financial Protection Bureau, in addition to settlement services providers, real estate appraisers and other third parties.[4][5][6]
Use of MISMO standards has been found to lower per-loan costs, improve profit margins, reduce errors and speed up the loan process by reducing manual, paper-based processes and creating cost savings for consumers.[7][8]
^"About MISMO | MISMO". www.mismo.org. Retrieved 2018-08-16.
^"Notice Pursuant to the National Cooperative Research and Production Act of 1993-The Mortgage Industry Standards Maintenance Organization". Federal Register. 2004-12-16. Retrieved 2018-08-16.
^"Subscriber List | MISMO". www.mismo.org. Retrieved 2018-08-16.
^"FHA Electronic Appraisal Delivery | HUD.gov / U.S. Department of Housing and Urban Development (HUD)". www.hud.gov. Retrieved 2018-08-16.
^"Ginnie Mae adopts MISMO for loan data delivery". Retrieved 2018-08-16.
^Mac, Freddie. "Freddie Mac and Fannie Mae Will Update Appraisal Dataset and Forms". www.freddiemac.com. Retrieved 2018-08-16.
^"What is seen and what is not seen. - Free Online Library". www.thefreelibrary.com. Retrieved 2018-08-16.
^"Technology standards cut $249 from real estate loan costs". www.inman.com. Retrieved 2018-08-16.
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