About Closergeist

Closergeist helps companies involved in lending, settlement, and other mortgage-related services to better align their data, systems, and workflows with industry trends, standards, and best practices.

Founded in 2011, Closergeist offers consulting services and tools to help your organization navigate the changing technology and regulatory landscape and gain a lasting advantage.


  • Readiness Assessment for Future Needs
  • Implementation Strategies
  • Data Modeling
  • Application Architecture and Design
  • Training
  • Strategic Planning and Advising


Closergeist MISMO Object Toolkit

  • Full Object Model for .NET
  • Available for MISMO 3.3, 3.3.1, and 3.4
  • Speeds development and shortens the learning cycle

What is Mortgage Data Standardization?

Mortgage Data Standardization is the process of representing and exchanging mortgage transaction information in an electronic format that is recognized, accepted, and often required across the industry.

Increasingly, standardization means the ability of software systems and business processes to support the MISMO 3.x family of XML data standards.

Why Use MISMO 3.x?

  • It Will Save You Time and Money
    Using MISMO, the standard language of mortgage data exchange, makes it faster, easier, and less expensive to adapt your systems to all needs and opportunities - now and in the future.
  • Partner and Agency Requirements
    Fannie Mae and Freddie Mac are phasing in the Uniform Closing Dataset (UCD) requirement, which is based upon MISMO 3.3. Additionally, many lenders and their partners use this format to share information during the transaction process.
  • Regulator Requirements
    Beginning in 2018, the Consumer Financial Protection Bureau (CFPB) will begin collecting new loan information under the revised Home Mortgage Disclosure Act (HMDA). MISMO standards can help you prepare.

Five Steps For Getting Started

  1. Determine Your Needs
    The first step in standardizing your systems is determining your requirements. Are you implementing the Uniform Closing Dataset (UCD)? Begin by looking at the specification to see what pieces of information it requires from you.
  2. Identify Data You Already Have
    Once you have a list of required data, take a look at your systems to identify data points you can already provide, pieces you are missing, and any data that does not quite fit the requirements.
  3. Address the Missing Pieces
    After identifying gaps in your existing data, put a plan in place to collect missing pieces and to transform data into the required form.
  4. Create and Consume MISMO Files
    At this point, you have all the necessary data points available to meet your requirements. The next step is to send and receive this information as MISMO XML files.
  5. Reap the Benefits
    Supporting MISMO standards will open doors of opportunity, give you a competitive advantage, and save you money.

Need Help? Let's Talk!

Whether you need help navigating the web of upcoming requirements, assessing your readiness, educating your team, or implementing a solution, we can help. Let's talk today to get you started on a path to success.