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, Scalata

Key Topics Covered:

• Bruno’s background in global credit markets and fintech infrastructure

• Why Scalata was built—and why mortgage is the right industry, right now

• The hidden cost of “tape cracking” and unstructured mortgage data

• Scalata as a framework layer that sits on top of legacy systems

• Zero-cost ingestion of MISMO files, PDFs, spreadsheets, and APIs

• Why schema mapping and data normalization reduce AI hallucination

• How agentic AI enables parallel workflows across mortgage manufacturing

• Replacing manual underwriting steps with policy-driven AI agents

• MISMO’s role in enabling interoperability and trustworthy AI

• The future of AI-enabled mortgage lending and customer interaction

• Why interoperability—not hype—is Scalata’s core value proposition

Notable 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