Michael Bradley is senior vice president of modeling, econometrics, data science and analytics in Freddie Mac’s Single-Family division. He is responsible for setting the modeling and analytics strategy and positioning Freddie Mac to become the best credit guarantor. This is a critical role, since Freddie Mac relies on data-driven modeling and analytics to guide functions such as buying loans, valuation and hedging, predicting defaults/severity, and conducting risk management, to name a few.

Mr. Bradley was with Freddie Mac from 1991 to 2003. Among his roles during that time, he served as vice president and general manager of Strategic Information Services, where he helped innovate and bring Home Value Explorer^® to market.

He returns to Freddie Mac after serving as senior vice president of the consumer analytics and modeling unit at Citigroup and, most recently, as senior vice president of the decision analytics and research team at CoreLogic.

Mr. Bradley holds a Bachelor of Science in economics from the University of Delaware and a Master of Science and a doctorate, both in economics, from the University of Illinois.

Freddie Mac provides liquidity, stability and affordability to the nation’s residential mortgage markets. Freddie Mac supports communities by providing mortgage capital to lenders. Today, Freddie Mac is making home possible for one in four home borrowers and is one of the largest sources of financing for multifamily housing. For more information, please visit  and follow us on Twitter @FreddieMac.

Terri Merlino was recently named a senior vice president within Freddie Mac’s Single-Family division. 

As chief credit officer for the past two years, Ms. Merlino leveraged her broad-based knowledge of mortgage operations, sales, processing, underwriting, quality control and secondary marketing activities to substantially and positively impact Freddie Mac’s mortgage credit risk management efforts, as well as our client experience. 

In addition to her prior role managing mortgage credit risk and quality control, she will now assume additional risk management responsibilities. With nearly 30 years of mortgage and financial services experience, she brings significant accomplishments in credit and operational risk management to this role. 

Prior to Freddie Mac, Ms. Merlino held the roles of chief credit officer and chief risk officer at New Penn Financial. Merlino was a member of New Penn Financial’s senior management team. 

Before New Penn Financial, she spent many years at PHH Mortgage as senior vice president, credit and operational risk, where she was responsible for fostering a risk-aware culture through her leadership of all aspects of credit and operational risk management. 

She has served on several industry committees, including Fannie Mae’s Risk Management Forum and Freddie Mac’s Credit Advisory Board, and twice been named a HousingWire Women of Influence. Ms. Merlino holds a Bachelor of Business Administration in accounting from the University of Houston. 

Freddie Mac provides liquidity, stability and affordability to the nation’s residential mortgage markets. Freddie Mac supports communities by providing mortgage capital to lenders. Today, Freddie Mac is making home possible for one in four home borrowers and is one of the largest sources of financing for multifamily housing. For more information, please visit www.FreddieMac.com and follow us on Twitter @FreddieMac.

Danny Gardner is senior vice president of client and community engagement for Freddie Mac’s Single-Family division.

In addition to assuming Sales leadership, Mr. Gardner is responsible for fulfilling Freddie Mac’s community mission to provide sustainable homeownership education and financing to families who are traditionally underserved by the market. He is also responsible for overseeing Freddie Mac’s delivery and performance against Single-Family Affordable Lending’s goals, Duty to Serve regulation and Access to Credit activities in the FHFA Scorecard.

He and his team support Freddie Mac clients by educating them on the availability and use of our affordable-related products and programs, including the Home Possible^® suite of mortgage products and our CreditSmart Financial Literacy Program. He also leads our engagement with state and local housing finance agencies, diverse and inclusive realtor associations and national and local community development organizations, to establish partnerships and programs that create successful homeowners. 

With Freddie Mac since 2015, Mr. Gardner brings over 25 years of mortgage banking experience to his role. He has spent most of his career in leadership positions focused on providing opportunities for families to buy their first homes. As leader of CRA Lending for the mortgage businesses of Citibank and Capital One and chief operating officer of the National Community Stabilization Trust, he helped municipalities and nonprofit organizations reclaim neighborhoods devastated by the foreclosure crisis.

He’s also spent a large part of his career working with state and local housing finance agencies by serving as program administrator and master loan servicer for first-time homebuyer programs.

Freddie Mac provides liquidity, stability and affordability to the nation’s residential mortgage markets. Freddie Mac supports communities by providing mortgage capital to lenders. Today, Freddie Mac is making home possible for one in four home borrowers and is one of the largest sources of financing for multifamily housing. For more information, please visit www.FreddieMac.com and follow us on Twitter @FreddieMac.