Mortgage insurance rate quote integrations
Find more information on MI rate quote integrations with MGIC, including sample files.
Retrieve real-time MI pricing with an MI rate quote integration
Building an MI rate quote integration enables integrating partners to retrieve real-time MI pricing as part of the loan origination workflow. The primary purpose of this integration is to support fast and consistent delivery of MI rate quotes based on key loan information for active mortgage loan inquiries or applications.
This integration is commonly used during pricing, eligibility, and disclosure workflows, allowing systems to request MI rate quotes at critical points of the loan process. By embedding MI rate quotes directly into your origination workflow, users can make more informed decisions.
The following documentation and samples will guide you through building a reliable MI rate quote integration, including supported request formats, expected responses, and handling of both successful and error scenarios.
Specifications
MGIC leverages MISMO® standard formats for requesting rate quotes. Please visit MISMO's website for more details.
MISMO XML
Use MISMO 3.4 XML if you prefer to work with XML, can leverage other MISMO XML integrations already in place or can benefit from code reuse for a complimentary MI ordering integration. Our current industry standard uses MISMO 3.4.
MISMO JSON
Use MISMO JSON if you prefer to work with a lighter-weight JSON format or can leverage other MISMO JSON integrations already in place.
Sample files
Explore the sample files below to see examples of successful requests and responses across our supported MISMO formats. Simply modify data points to match desired loan scenarios and quickly create a suite of expected request and response files that can help facilitate your development and testing efforts.
MISMO 3.4 XML MI rate quote sample request file
MISMO 3.4 XML MI rate quote sample response file
MISMO 3.5 JSON MI rate estimate sample request file
MISMO 3.5 JSON MI rate estimate sample response file
Integration flows
Our integration flows outline how requests move through the system, from submission to response. They are designed to be predictable, transparent, and easy to troubleshoot, giving integrating partners a clear understanding of expected behavior at every step.
MISMO® is a registered trademark of Mortgage Industry Standards Maintenance Organization.