EPISODE · Dec 19, 2025 · 21 MIN
AI Without Hallucinations: How Standards Power the Next Mortgage Stack
from MISMO Mic'd Up: Beyond the Standards · host Brian Vieaux, President MISMO
In this episode of MISMO Mic’d Up, host Brian Vieaux sits down with Bruno Lorenzelli, Founder and CEO of Scalata, to unpack why data interoperability—not hype—is the real unlock for AI in mortgage lending.With more than 30 years in technology banking and credit markets across Europe and the U.S., Bruno brings a global perspective shaped by the subprime crisis, large-scale credit servicing, and hard-earned lessons from building (and rebuilding) complex platforms. Scalata, a spin-off of a profitable European fintech, is entering the U.S. mortgage market with a clear mission: reduce the cost and complexity of working with disparate, unstructured data.Bruno explains how Scalata acts as a digital framework layer sitting on top of legacy systems—ingesting everything from MISMO XML files to PDFs and spreadsheets—while enabling schema mapping, agentic workflows, and AI-driven underwriting without introducing hallucination risk. The conversation explores why standards matter more than ever, how agentic AI changes mortgage manufacturing, and what an AI-enabled mortgage ecosystem could look like in the next 3–5 years.If you care about AI, data standards, interoperability, and the future of mortgage workflows, this episode is required listening.Guest:Bruno Lorenzelli – Founder & CEO, ScalataKey Topics Covered:Bruno’s background in global credit markets and fintech infrastructureWhy Scalata was built—and why mortgage is the right industry, right nowThe hidden cost of “tape cracking” and unstructured mortgage dataScalata as a framework layer that sits on top of legacy systemsZero-cost ingestion of MISMO files, PDFs, spreadsheets, and APIsWhy schema mapping and data normalization reduce AI hallucinationHow agentic AI enables parallel workflows across mortgage manufacturingReplacing manual underwriting steps with policy-driven AI agentsMISMO’s role in enabling interoperability and trustworthy AIThe future of AI-enabled mortgage lending and customer interactionWhy interoperability—not hype—is Scalata’s core value propositionNotable Quotes:“MISMO exists to reduce the cost and complexity around data—and that’s exactly where Scalata fits.”“If you don’t normalize and map the data, you leave AI too much room to interpret—and that’s where hallucination comes from.”“We’re the glue. We connect systems, standards, and workflows—and we make it cheap and easy.”Learn More:🌐 https://scalata.ai🎤 Catch Scalata at the MISMO Winter Summit
What this episode covers
In this episode of MISMO Mic’d Up, host Brian Vieaux sits down with Bruno Lorenzelli, Founder and CEO of Scalata, to unpack why data interoperability—not hype—is the real unlock for AI in mortgage lending.With more than 30 years in technology banking and credit markets across Europe and the U.S., Bruno brings a global perspective shaped by the subprime crisis, large-scale credit servicing, and hard-earned lessons from building (and rebuilding) complex platforms. Scalata, a spin-off of a profitable European fintech, is entering the U.S. mortgage market with a clear mission: reduce the cost and complexity of working with disparate, unstructured data.Bruno explains how Scalata acts as a digital framework layer sitting on top of legacy systems—ingesting everything from MISMO XML files to PDFs and spreadsheets—while enabling schema mapping, agentic workflows, and AI-driven underwriting without introducing hallucination risk. The conversation explores why standards matter more than ever, how agentic AI changes mortgage manufacturing, and what an AI-enabled mortgage ecosystem could look like in the next 3–5 years.If you care about AI, data standards, interoperability, and the future of mortgage workflows, this episode is required listening.Guest:Bruno Lorenzelli – Founder & CEO, ScalataKey Topics Covered:Bruno’s background in global credit markets and fintech infrastructureWhy Scalata was built—and why mortgage is the right industry, right nowThe hidden cost of “tape cracking” and unstructured mortgage dataScalata as a framework layer that sits on top of legacy systemsZero-cost ingestion of MISMO files, PDFs, spreadsheets, and APIsWhy schema mapping and data normalization reduce AI hallucinationHow agentic AI enables parallel workflows across mortgage manufacturingReplacing manual underwriting steps with policy-driven AI agentsMISMO’s role in enabling interoperability and trustworthy AIThe future of AI-enabled mortgage lending and customer interactionWhy interoperability—not hype—is Scalata’s core value propositionNotable Quotes:“MISMO exists to reduce the cost and complexity around data—and that’s exactly where Scalata fits.”“If you don’t normalize and map the data, you leave AI too much room to interpret—and that’s where hallucination comes from.”“We’re the glue. We connect systems, standards, and workflows—and we make it cheap and easy.”Learn More:🌐 https://scalata.ai🎤 Catch Scalata at the MISMO Winter Summit
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AI Without Hallucinations: How Standards Power the Next Mortgage Stack
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