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Actualize offers smart utilities to transform mortgage data to and from the Mortgage Industry Standards Maintenance Organization (MISMO®) format and proprietary data formats, directly generate documents from the underlying MISMO® data, provide a suite of mortgage calculations for a broad range of mortgage products, and ensure proper disclosures based on locality requirements.

TransformX translates files into the MISMO® 3.3 Ginnie Mae PDD, 3.3.1. UCD and 3.4 URLA XML file formats

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Download our overview flyer

What is TransformX?

TransformX is a smart data utility that can handle all investor reporting needs. It is a solution for quick, easy and cost-effective compliance of the GSE UMDP requirements and includes the ability to:
  • Translate legacy data files in any format including JSON, CSV, Fixed Width files into the MISMO® Reference Model
  • Create the Ginnie Mae PDD XML file in the MISMO® 3.3 format directly from the legacy flat file
  • Create the FHA Catalyst input file using the Fannie Mae ULAD MISMO® XML file in the MISMO® 3.4 format
  • Create the UCD XML file in the MISMO® 3.3.1 format and deliver to the GSEs
  • Create the updated URLA and GSE’s AUS XML files in the MISMO® 3.4 format and deliver to the GSEs
  • Satisfy specific GSE requirements such as embedding the Closing Disclosure PDF into the XML file 
  • Validate data to the TRID specifications
  • Create the ULDD Phase 2 and Phase 3 for both Freddie Mac and Fannie Mae XML files in the MISMO® 3.0 format and deliver to the GSEs
  • Identify errors that would cause a file to be rejected so it can be fixed early in the process before delivering to the GSEs
  • Send the XML file to the applicable GSE portal
  • Convert ULDD, UCD and URLA files from the MISMO® XML to your native file formats for ease of capturing existing datasets quickly
  • Easily integrates into your existing infrastructure

Why Use TransformX?

Increase speed-to-market and avoid the time-consuming process to develop the transformation and business rule logic internally 
  • Adopt MISMO® compliant standards
  • Integrating TransformX in your software makes your software MISMO® compliant
  • Reduce cost by leveraging a proven tool 
  • Leverage experts' knowledge who are leaders in the MISMO® work groups 
  • Ensure compliance with MISMO®

Who Uses TransformX?

  • Mortgage Technology Vendors
  • Ginnie Mae Issuers
  • Lenders
  • Document Providers
  • Federal Home Loan Banks
  • Government Agencies
  • A Look at Modernization and Industry Adoption - Download here
  • For a demonstration, please CONTACT US.
  • Click for TransformX Presentation.
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Contact Us

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  • Home
  • Areas of Expertise ▼
    • Market Trends
    • Infusion Programs ▼ >
      • Culture Infusion
      • Gratitude Infusion
      • In the News
      • Interactive Sessions
      • Testimonials
    • Capital Markets ▼ >
      • Risk Management Oversight
    • Mortgage & Fixed Income
    • Treasury
    • Collateral Management >
      • Operations
      • Regulatory
  • Services ▼
    • Business Process
    • Finance Transformation
    • M&FI Services ▼ >
      • Data Management
      • Digital Mortgage
      • Integrated Mortgage Disclosure
      • MERS
      • MISMO®
      • MISMO® Authorized Assessor
    • Reporting & Analytics
    • Software Implementation
    • Treasury Services ▼ >
      • Bank Rationalization
      • Bank Relationship Management Service
      • Cash Forecasting
      • Digital Treasury
      • Management Reporting and KPIs
      • Treasury Assessment
      • Treasury Policies Review
      • Valuation
    • Vendor Selection
  • Products
  • About Us ▼
    • Webinars
    • Testimonials
    • Twitter Feed
    • Contact Us
    • Podcast
  • Careers
  • Client Satisfaction
  • Employee Portal ▼
    • Consulting Basics
    • Success at Actualize
    • Client Outreach Request
    • Project Set-Up
    • Internal Info ▼ >
      • Newsletter
    • Time and Expense Reporting Video Guides
    • Internal Systems Video Guides
    • Internal System Tips