Every industry has its invisible infrastructure, the stuff that quietly works in the background but keeps everything running. In retail, it’s the barcode. In utilities, it’s the grid. In financial services, it’s the payment rails. In mortgage?That quiet, essential infrastructure is MISMO . And at the heart of MISMO’s infrastructure there are two concepts that sound similar but operate very differently: The MISMO Model MISMO Standards In conversations with lenders, investors, regulators,...

When I stepped into the role of MISMO President just ahead of the 2025 MBA Annual Convention, I already understood MISMO’s reputation. But it wasn’t until I got behind the curtain that I truly appreciated the depth of collaboration, volunteer leadership, and shared purpose that has kept this organization going strong for more than 25 years. And if there’s a single theme that stands out from my early weeks in the role, it’s this: MISMO’s impact is everywhere, especially in the places most...

Building regulatory readiness isn’t something you simply hope for, it’s something you shape . That’s exactly what’s happening with the Mortgage Compliance Dataset (MCD) Tech Sprint , a joint initiative from the Conference of State Bank Supervisors ( CSBS ) and MISMO  that kicks off December 3rd. This is not just a demo or proof of concept. It’s a real-time collaboration between regulators, lenders, and technology providers to define what compliance efficiency should look like for the entire...