MISMO Mic'd Up: Beyond the Standards

What does it take to stay visible, competitive, and connected in a mortgage market that keeps testing the industry’s patience? In this episode of MISMO MIC’D UP , MISMO President Brian Vieaux sits down with longtime friend and mortgage industry leader Rich Swerbinsky for a candid conversation about the pressures facing lenders, the competition for loan officer talent, and why relationships and a c...

Standards create value when the industry puts them to work. In this episode of MISMO MIC’D Up , MISMO President Brian Vieaux launches a monthly community update focused on the initiatives moving forward across MISMO and what they mean for lenders, technology providers, and the people responsible for implementation. Brian covers growing momentum around the Mortgage Compliance Dataset (MCD) , evolvi...

Rising credit costs are prompting lenders to rethink a familiar habit: pulling a full credit report at the first interaction with a prospective borrower. What information does a lender actually need at that moment—and when does it make sense to invest in more? In this episode of MISMO Mic’d Up , host Brian Vieaux, President of MISMO , welcomes Reno D’Water, Chief Innovation Officer at Factual Data...

Loan officers are on the front lines of homeownership every day. They answer the questions, work through the challenges, and help consumers make some of the biggest financial decisions of their lives. What more can we do as an industry to equip them for that responsibility? In this episode of MISMO MIC’D Up, Brian Vieaux welcomes Dave Savage, Co-Founder of FirstHome IQ, and David Upbin, VP of Educ...

Down payment assistance can help put homeownership within reach. But connecting a prospective buyer with the right program often requires lenders and loan officers to navigate information that is difficult to compare, exchange, and incorporate into their everyday workflows.<br><br>In this special edition of MISMO MIC’D Up, Brian Vieaux, President of MISMO, welcomes Rob Chrane, Founder...

How can mortgage lenders use AI to reduce the cost of manufacturing a loan while preserving the evidence behind the work it performs? In this episode of MISMO Mic’d Up, host Brian Vieaux welcomes Steve Butler, CEO of TRUE, a MISMO member company, for a practical conversation about mortgage automation, data quality, and AI governance. Together, they explore how lenders can identify near-term operat...

Everyone is talking about AI governance. What does itactually take to build a program inside a mortgage company? In this episode of MISMO MIC’d Up, host Brian Vieauxwelcomes Nicole Taylor of Longbridge Financial and John Ashley of PRMG for acandid conversation about their firms’ AI governance journeys. Both share thedecisions, challenges, and practical lessons behind their programs—includingwhere...

More data. Faster technology. The same fundamental objective: protect mortgage margins from rate lock through loan sale. How can capital markets teams use standardized data and artificial intelligence to make better decisions—and maintain confidence in the outcomes? In this episode of MISMO Mic’d Up, Brian Vieaux welcomes Fuad Nasir, Vice President of Product Management for Hedging and Trading at...

There’s a cost to solving the same mortgage problem company by company, over and over again. It shows up in repeated data requests, time spent negotiating agreements, disconnected systems, and uncertainty about how to govern new technology. In this solo episode of MISMO Mic’d Up, MISMO President Brian Vieaux explores how the industry’s standards community brings lenders, technology providers, regu...

AI can add capacity to a mortgage operation. But what should it handle, when should a person step in, and how do you know it’s ready to represent your company? In this episode of MISMO Mic’d Up , Brian Vieaux welcomes Rishi Choudhary, Co-Founder and CEO of Kastle , for a practical conversation about AI across mortgage origination and servicing. From the first borrower inquiry to the final payment,...

The mortgage industry is asking, “How are you using AI?” But are we starting with the right question? On this episode of MISMO MIC’d UP , host Brian Vieaux welcomes Jay Kingsley, President of Cotality’s mortgage business and a MISMO Board member , for a conversation about what it takes to turn AI’s potential into measurable business value. From reducing the time, touches, and cost of originating a...

The MISMO Fall Summit broke records — and on this episode of MISMO MIC'D UP, we're taking listeners behind the scenes to find out how it all came together. Brian Vieaux is joined by Amy Moses, Vice President of Strategic Growth at MISMO, to recap a Fall Summit that welcomed 430 registrants, including approximately 350 in-person attendees, more than 70 first-time Summit participants, 20 spo...

Every company is becoming an AI company—whether it realizes it or not. In this episode of MISMO MIC’D UP, Brian Vieaux is joined by Dominick Campagna, Founder and CEO of LucidTrust, for a practical conversation about the rapidly evolving challenges of AI adoption, governance, and risk management. LucidTrust is one of MISMO’s newest member companies and stepped up in a big way as a co-sponsor of th...

Drive to 25: Removing the Friction from Digital Closing On this episode of MISMO MIC'D UP , Brian Vieaux is joined by Steve Manente, President of DocsDirect and Managing Director of Schwartz Manente, and Mike Hallman, Vice President of DocsDirect , for a conversation about digital closing, eNote adoption, and what it will take for the mortgage industry to move from incremental progress to mean...

This week on MISMO MIC’D UP , we’re flipping the script. After spending countless episodes asking industry leaders the questions, MISMO President Brian Vieaux turns the microphone around—and puts himself in the hot seat. His interviewer? Freeda, his ChatGPT assistant , who was given one assignment: Ask the questions the mortgage industry should be asking the President of MISMO right now. The resul...

What do Freddie Mac, MISMO, artificial intelligence, mortgage data standards, and a glass of "dirty water" have in common? Quite a bit, as it turns out. In this week's episode of MISMO MIC'D Up , Brian Vieaux sits down with Matt Seu , Partner and Mortgage & Fixed Income Practice Leader at Actualize Consulting, and Geran Combs , Managing Director, for an engaging conversation...

Artificial intelligence is no longer a future technology for mortgage lending. The question isn't whether AI will transform the industry—it already is. The real question is whether organizations will be prepared when the pace of change accelerates. In this episode of MISMO Mic'd Up , Brian Vieaux sits down with Stu Brown, Chief Transformation Officer at Guidehouse , to explore what transfo...

When people think about the Mortgage Bankers Association (MBA), advocacy is usually the first thing that comes to mind. But behind the scenes, MBA is also one of the industry's largest and most influential providers of mortgage education, training more than 75,000 mortgage professionals every year. In this episode of MISMO MIC'd Up , Brian Vieaux sits down with David Upbin, MBA's Vice...

Artificial Intelligence is no longer something lenders can evaluate "when the time is right." It's already embedded throughout the mortgage ecosystem—from LOS platforms and servicing technology to loan officer productivity tools and third-party vendor solutions. The question is no longer if you're using AI. The question is whether you're governing it. In this episode of MISMO...

This week on MISMO MIC'd Up , Brian Vieaux sits down with Justin Demola, CMB, Vice President of Mortgage Solutions at Equifax , for a timely conversation about the future of mortgage credit and the changes every lender should be preparing for. Fresh off his first six months at Equifax, Justin shares how his experience as both a mortgage executive and technology leader gives him a unique perspe...

As the mortgage industry nears the go-live date for UAD 3.6, uncertainty and preparedness are top concerns. This episode dives into the current state of readiness, the importance of industry-wide coordination, and the powerful role of initiatives designed to facilitate a smooth transition. In this episode: Chris Williams shares insights on the industry’s readiness as the UAD 3.6 launch approaches....

The mortgage industry is no stranger to new technology. But every once in a while, a company comes along that doesn't just automate an existing process—it challenges how we think about the work itself. On this episode of MISMO Mic'd Up, I sit down with Copperlane co-founders Athan Zhang and Brianna Lin , two young entrepreneurs who are bringing a fresh perspective to one of the industry&#3...

In this episode of MISMO MIC’d Up, I sit down with Jagjit Singh from JazzX AI to discuss one of the most important questions facing mortgage lenders today: What will separate the lenders who merely experiment with AI from those who successfully operationalize it? While much of the industry remains focused on pilots, proofs of concept, and isolated use cases, Jagjit argues that the real opportunity...

The mortgage industry is rapidly approaching one of the most significant valuation transformations in decades. With the UAD 3.6 mandate on the horizon, lenders, appraisers, AMCs, and technology providers are preparing for a future built on structured data, greater automation, and new approaches to property valuation. On this episode of MISMO MIC'D UP, Brian Vieaux sits down with Brian Zitin, F...

On this episode of MISMO MIC’d Up, I sit down with Amy Creason for a conversation that blends mortgage innovation, industry collaboration, and leadership. We start with an important but often underappreciated topic inside the mortgage ecosystem: the Commitment File. Amy helps unpack why this work matters, the operational friction it aims to solve, and why standardization in this area has the poten...