Your MISMO file was rejected. The fix is 30 seconds away.
Drop in your rejected MISMO 3.4 XML. We'll show you every field-level error in plain English, explain what each one means, and hand you back a corrected file. Built by Confer Solutions — the AI-native loan origination team. Waitlist members get launch access at the lowest tier and a free first fix.
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How it works
Three steps, thirty seconds.
Upload your XML
Paste or drag the rejected file. We validate it against MISMO 3.4 ULDD/ULAD schemas and the published Fannie Mae, Freddie Mac, and Ginnie Mae rule packs.
See every error explained
Field-level results with the rule citation, plain-English description, and a one-line fix. Free to view; even before you pay.
Download the corrected file
Pay $19 once or $199/month for unlimited fixes. Submit and verify acceptance.
Coverage
Five rejection categories MISMOFix is built to handle.
ULAD field mismatches
LoanPurposeType enum mismatch, EnergyEfficientHomeIndicator missing
Fields present in the XML but with values that don't match the ULAD enumeration or are missing required indicators.
ULDD field-level validation
NoteRatePercent precision, LoanIdentifier ↔ UniversalLoanIdentifier consistency
Numeric precision, cross-field ID consistency, and format rules that the GSE delivery engines enforce.
Borrower demographic format errors
HMDA RaceCategoryType, gender, ethnicity coding
HMDA demographic field encoding that fails delivery because the enum values don't match the spec.
Property valuation / UCDP mismatches
PropertyValuationAmount vs. delivery package value drift
Appraisal and AVM value fields that don't reconcile with the UCDP delivery package.
Appraisal report ID linkage
AppraisalIdentifier ↔ UCDP doc-file ID mismatch
The appraisal identifier in the MISMO file doesn't match what UCDP has on file for that document.
Pricing
Locked for waitlist members.
Per-file
Single fix. No account. Stripe Checkout one-click.
Monthly
Unlimited fixes. Email-only signup. For ops teams who deal with rejections weekly.
Waitlist members get the first 30 days free at the monthly tier and a permanent 20% discount on file-by-file pricing.
Frequently Asked Questions
When does MISMOFix launch?
Target Q3 2026. We'll email you when it's live. Joining the waitlist gets you first access at the lowest price tier.
What does the waitlist give me?
First 30 days free at the monthly tier, plus a permanent 20% discount on file pricing. You also get direct access to the product team for feedback during the beta window.
Will you train AI on my MISMO file?
No. The tool processes files in-memory, retains them for 24 hours for download access only, then deletes. Rule explanations come from a fixed knowledge base of the MISMO 3.4 spec and published GSE implementation guides; not from your data.
Why build this?
The team behind Confer is mortgage operators. We watched lenders pay $5K–$15K/mo for ACES-class enterprise QC tools while small lenders had nothing. MISMOFix is the per-file alternative for the long tail.
Who built this?
Confer Solutions AI. The same team building the AI-native LOS for mortgage lenders. See the full platform at confersolutions.ai.
MISMOFix is built by Confer. If your team is ready to replace Encompass with an AI-native LOS, see the full platform → confersolutions.ai
Last Updated: April 27, 2026