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The Mortgage Industry Standards Maintenance Organization, (MISMO) is a US not-for-profit subsidiary of the Mortgage Bankers Association (MBA). It is a developer of technology standards for both residential and commercial property transactions in US markets. By promoting improved data consistency, MISMO aims to reduce costs and increase transparency while promoting confidence in mortgages as an asset class for investors. Ultimately MISMO standards should deliver cost savings to consumers. == Background == More than 150 subscriber organizations,〔(【引用サイトリンク】title=MISMO Participants )〕 including mortgage bankers, lenders, servicers, vendors and service providers, support MISMO’s efforts. MISMO’s board of directors, advised by a governance committee elected from a cross section of the industry, provides oversight for MISMO's administration and policy development. MISMO has working agreements with other major data standards development organizations and has developed a repository of industry data elements stored in a common data dictionary used to create all MISMO transactions. MISMO supports free and open access to the final releases of its standards, which enables companies to begin integrating MISMO standards into everyday business practices immediately. MISMO follows a democratic approach to the development and maintenance of a comprehensive set of standards and data points for all stages of the mortgage loan life cycle. Published specifications support the following processes: * Underwriting, * Mortgage insurance application, * Credit reporting, * Flood and title insurance, * Property appraisal, * Loan delivery, * Product and pricing, * Loan Servicing, and * Secondary mortgage market investor reporting. Many members use software that takes a service oriented architecture (SOA) approach〔(【引用サイトリンク】title=MISMO and SOA )〕 (also known as "Software as a Service" (SaaS) model) 抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』 ■ウィキペディアで「MISMO」の詳細全文を読む スポンサード リンク
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