MISMO Publishes HUD Addendum Dataset for the Uniform Residential Loan Application

MISMO®, the real estate finance industry’s standards organization, announced a new dataset for the Department of Housing and Urban Development (HUD) Addendum to the Uniform Residential Loan Application.

This standard has reached ‘Candidate Recommendation’ status, indicating the standard has been thoroughly reviewed by a wide range of organizations and industry participants and is available for use across the industry.

The HUD Addendum to the Uniform Residential Loan Application (Form HUD-92900-A) is required for Federal Housing Administration (FHA) loan originations and must be completed and signed by both the borrower and the Direct Endorsement (DE) underwriter during the initial and final stages of the loan application process. MISMO’s dataset establishes a standardized method to electronically express and transmit the loan-specific information required on the HUD Addendum, supporting greater data accuracy, operational efficiency, and interoperability across systems.

“This new dataset aligns with the MISMO Reference Model and demonstrates how industry collaboration can extend standardized data structures to support FHA-specific requirements,” MISMO President Brian Vieaux said. “By leveraging the existing MISMO framework, we are enabling more seamless implementation and greater interoperability across systems.”

The Originators Community of Practice (CoP) structured the standard to support disclosure and reporting requirements related to authorized agent and sponsor/sponsored Third-Party Originator (TPO) relationships, including identification of agents and TPOs where applicable. By providing a consistent data framework for these elements, the dataset helps lenders, technology providers, and investors streamline FHA loan origination workflows and enhance compliance confidence.

Candidate Recommendation status reflects industry consensus and signals readiness for implementation. Industry participants are encouraged to begin adopting the standard.

MISMO’s work to solve key industry challenges is made possible through the support of its members, champions, sponsors, and lenders (via the Innovation Investment Fee).

To learn more about MISMO and opportunities to participate, visit MISMO.org.