Submit Once, Use Many: AI, MISMO Standards, and the New Data Architecture

Episode Description:Is the mortgage industry built on solid data foundations or shiftingsands?In this episode of MISMO Mic’d Up, MISMO President Brian Vieauxsits down with Mark Dangelo, Co-Founder of AXTent, Professor at CaseWestern Reserve University, and regular contributor to MBA Newslink and ThomsonReuters, for a deep dive into the evolving architecture of regulatory data inmortgage banking.As artificial intelligence accelerates across financial services, theindustry is confronting a hard truth: regulatory reporting may be digital, butit is not necessarily consistent, interoperable, or machine-ready. What oncefelt like “bedrock” data infrastructure is rapidly liquefying under thepressure of AI, cross-agency reporting, and real-time analytics.This conversation explores: Mark explains how emerging architectures like data meshes and datafabrics allow institutions to integrate information across systems withoutduplicating or fragmenting data. Rather than lifting and shifting data into newsilos, modern architectures preserve system-of-record integrity while enablingreal-time governance, auditability, and cross-domain visibility.For leaders of independent mortgage bankers (IMBs), this episode deliverspractical guidance: The discussion also highlights how forward-thinking fintech founders areleveraging MISMO’s 26-year foundation of data standards to accelerate productinnovation — proving that standards do not limit innovation; they enable it.If you are a mortgage executive, CIO, CTO, compliance leader, dataarchitect, or fintech innovator, this episode provides a roadmap for navigatingthe intersection of AI, regulatory modernization, and structured datagovernance.Because in today’s mortgage market, competitive advantage will not comefrom faster processes alone — it will come from stronger data foundations.Learn more about MISMO’s AI Community of Practice at mismo.org and jointhe conversation shaping the future of mortgage data standards.