Sonu Mittal is the Senior Vice President and Head of the Freddie Mac Single-Family Acquisitions Division. He is responsible for seller engagement, credit, products and affordable mission goals, as well as the operations and technology functions that support these activities. He is a member of Freddie Mac’s senior operating committee.

Mr. Mittal brings more than two decades of leadership experience in virtually every aspect of mortgage lending. He comes to Freddie Mac from Citizens, where he served as President of Home Mortgage, executive vice president of Home Lending and head of Retail Mortgage, among other key roles. Prior to Citizens, he spent 18 years in the Washington, D.C., area at Capital One and Chevy Chase Bank, working in mortgage production, consumer sales and other areas. He has extensive experience across sales, operations, capital markets, strategy, analytics, product management and technology.

Mr. Mittal holds a bachelor’s degree in accountancy from the George Washington University School of Business.

Freddie Mac makes home possible for millions of families and individuals by providing mortgage capital to lenders. Since our creation by Congress in 1970, we've made housing more accessible and affordable for homebuyers and renters in communities nationwide. We are building a better housing finance system for homebuyers, renters, lenders and taxpayers. Learn more at FreddieMac.com, Twitter @FreddieMac and Freddie Mac's blog FreddieMac.com/blog.

Ravi Shankar is the Senior Vice President and Head of the Freddie Mac Single-Family Portfolio and Servicing Division. He is responsible for portfolio management, servicing and the operations and technology that support these activities. He is a member of Freddie Mac’s senior operating committee.

Mr. Shankar brings over three decades of experience managing multibillion-dollar finance, capital markets, portfolios and mortgage trading operations. A financial services veteran whose previous tenure at Freddie Mac spanned from 2013 to 2019, he served initially as senior vice president of Single-Family Portfolio Management and then as deputy head of the Investments & Capital Markets Division.

Before joining Freddie Mac in 2013, he spent seven years at JP Morgan Chase in several key roles, including chief financial officer, head of Capital Markets, and portfolio manager at Chase Home Finance. Prior to that, he worked in various senior positions with Citigroup for 16 years.

Mr. Shankar holds a Bachelor of Commerce degree from the University of Delhi, India. He is also a Fellow Member of the Indian Institute of Chartered Accountants.

Freddie Mac makes home possible for millions of families and individuals by providing mortgage capital to lenders. Since our creation by Congress in 1970, we’ve made housing more accessible and affordable for homebuyers and renters in communities nationwide. We are building a better housing finance system for homebuyers renters, lenders and taxpayers. Learn more at FreddieMac.com, Twitter @FreddieMac and Freddie Mac’s blog.

Danny Gardner is Senior Vice President and Head of Freddie Mac’s Mission and Community Engagement for the Single-Family Acquisitions Division. He focuses on our equitable and sustainability efforts as Freddie Mac addresses the unique and systemic challenges in the housing market. He also works with a broad range of housing market participants to address affordable and equitable housing needs.

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 Housing goals, Duty to Serve regulation and Access to Credit activities in the FHFA Scorecard.

He 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 30 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. He is a former leader of CRA Lending for the mortgage businesses of Citibank and Capital One and was previously chief operating officer of the National Community Stabilization Trust, where he helped municipalities and nonprofit organizations reclaim neighborhoods devastated by the foreclosure crisis.

He has 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 makes home possible for millions of families and individuals by providing mortgage capital to lenders. Since our creation by Congress in 1970, we've made housing more accessible and affordable for homebuyers and renters in communities nationwide. We are building a better housing finance system for homebuyers, renters, lenders and taxpayers. Learn more at FreddieMac.com, Twitter @FreddieMac and Freddie Mac's blog FreddieMac.com/blog.
 

Aravind “Jag” Jagannathan is Chief Data Officer and Vice President of Data and Decisions in the Freddie Mac Single-Family Portfolio and Servicing Division. Mr. Jagannathan, also known as “Jag,” is responsible for the overall data strategy, governance, execution, integration, data product ownership, industry data standards and business intelligence for both Single-Family Divisions. He also manages all shared assets for the company, including modernization.

Prior to his current role, Mr. Jagannathan was responsible for external transformation, which included the overall integration of Freddie Mac to the Common Securitization Platform, a joint venture between Freddie Mac and Fannie Mae. Specifically, this included overall budget, schedule, scope and testing to ensure Freddie Mac’s requirements were fully met and there was a successful launch of Uniform Mortgage-Backed Securities^SM (UMBS^®).

With over 30 years of experience, he has worked as a senior-level leader in financial services covering operations, accounting, large scale transformation and system implementations. Prior to joining Freddie Mac in 2006, he was head of treasury operations at the World Bank, where he was responsible for all operational activities in the bank’s treasury division. He has held management positions at Bank of Boston, ING Barings and JPMorgan Chase, within each of these firms’ capital markets and treasury divisions.

Freddie Mac makes home possible for millions of families and individuals by providing mortgage capital to lenders. Since our creation by Congress in 1970, we’ve made housing more accessible and affordable for homebuyers and renters in communities nationwide. We are building a better housing finance system for homebuyers renters, lenders and taxpayers. Learn more at FreddieMac.com, Twitter @FreddieMac and Freddie Mac’s blog.

Kevin Kauffman is the Senior Vice President of Seller Engagement in the Freddie Mac Single-Family Acquisitions Division. He leads the sales and marketing teams, in addition to driving Seller and partner adoption of our products and services. Focusing on end-to-end Seller experience, he seamlessly connects Seller business needs with our innovative technology solutions.

With a career spanning more than 20 years in both mortgage operations and technology, Mr. Kauffman gained a deep understanding of the loan manufacturing process in the primary mortgage market and combined his experience with building and marketing cutting-edge, end-to-end mortgage technology. His previous work experience includes various leadership roles with Citi, Chase, FIS and Fannie Mae.

Freddie Mac makes home possible for millions of families and individuals by providing mortgage capital to lenders. Since our creation by Congress in 1970, we've made housing more accessible and affordable for homebuyers and renters in communities nationwide. We are building a better housing finance system for homebuyers, renters, lenders and taxpayers. Learn more at FreddieMac.com, Twitter @FreddieMac and Freddie Mac's blog FreddieMac.com/blog.

Tim Kitt is the Senior Vice President and Head of Pricing and Execution in the Freddie Mac Single-Family Portfolio and Servicing Division. He is responsible for pricing and execution of all new acquisition and pricing-related analytics.

With Freddie Mac since 2015, Mr. Kitt has over 30 years of experience in capital markets, structured finance and portfolio management of residential mortgage and consumer assets.

Prior to Freddie Mac, he held positions including senior vice president, trading manager and portfolio manager with Wells Fargo, Ally/GMAC ResCap and Sallie Mae.

Mr. Kitt holds a Bachelor of Science in commerce, with a concentration in finance, from the University of Virginia’s McIntire School of Commerce.

Freddie Mac makes home possible for millions of families and individuals by providing mortgage capital to lenders. Since our creation by Congress in 1970, we’ve made housing more accessible and affordable for homebuyers and renters in communities nationwide. We are building a better housing finance system for homebuyers renters, lenders and taxpayers. Learn more at FreddieMac.com, Twitter @FreddieMac and Freddie Mac’s blog.

Dave Lucchino is Senior Vice President of Operations and Operational Risk for the Freddie Mac Single-Family Portfolio and Servicing Division. He oversees Servicing Products, Offerings and Operations, Securities Operations, Accounts Receivable and Operational Risk and Compliance. These departments focus on loss mitigation, investor reporting, accounts receivable, operational risk and compliance, back-office support for all mortgage-backed securities and a variety of other critical processes that support Freddie Mac as well as its origination, servicing and investor partners.

Prior to this role, Mr. Lucchino consulted with the Single-Family business, focusing on operations. He leveraged his industry experience to identify and implement numerous opportunities to improve efficiency, reduce credit loss, and improve the experience for Freddie Mac clients.

Throughout his career, Mr. Lucchino has guided global organizations through significant transitions to accelerate the delivery of both corporate and customer goals. He has held senior operational roles in mortgage loan origination and servicing for JPMorgan Chase, CitiMortgage and other industry leaders.

He holds a Bachelor of Science in business and economics from Wilson College.

Freddie Mac makes home possible for millions of families and individuals by providing mortgage capital to lenders. Since our creation by Congress in 1970, we’ve made housing more accessible and affordable for homebuyers and renters in communities nationwide. We are building a better housing finance system for homebuyers renters, lenders and taxpayers. Learn more at FreddieMac.com, Twitter @FreddieMac and Freddie Mac’s blog.

Eric Lyon is Senior Vice President of the Single-Family Business Technology Office in the Freddie Mac Single-Family Portfolio and Servicing Division. He is responsible for the strategic leadership to implement Single-Family’s business vision through modernized cloud-based technology solutions.

A veteran of Freddie Mac since 2002, Mr. Lyon has managed complex strategic technology integrations, led several major technology programs — having worked in the business and in IT — and been named deputy CIO for the IT division.

Mr. Lyon joined Freddie Mac as the technical lead to help drive Project Enterprise, one of the largest multi-year technology efforts. Two years later, he moved into the business to drive our technology adoption for external customers, and five years later, he returned to IT.

Prior to joining Freddie Mac, he served as a captain in the U.S. Marines, with TRW Space & Defense delivering technology solutions and as Managing Director leading the southwest regional branch of an IT consulting company delivering software development services and building business applications.

In 2023, he was recognized as a HousingWire Tech Trendsetter honoring top product and technology leaders in the housing market. In 2014, Mortgage Banking Magazine named him a Tech All-Star.

Mr. Lyon holds an MBA from Boston University and a B.A. from American University.

Freddie Mac makes home possible for millions of families and individuals by providing mortgage capital to lenders. Since our creation by Congress in 1970, we’ve made housing more accessible and affordable for homebuyers and renters in communities nationwide. We are building a better housing finance system for homebuyers renters, lenders and taxpayers. Learn more at FreddieMac.com, Twitter @FreddieMac and Freddie Mac’s blog.

Mayur Maniar is Vice President and Single-Family Deputy Credit Officer within Credit Risk Management in the Single-Family Acquisitions Division. He leads Credit Analytics, Reporting and Decisioning Strategies (CARDS), which includes credit and collateral analytics, risk appetite, monitoring credit risk, model business owner for default models and model processes, and Loan Product Advisor® (LPA℠) asset and income modeler (AIM) strategy and execution, as well as credit infrastructure business driver and the Single-Family Analytics Center of Excellence.

Mr. Maniar has extensive experience in mortgage risk and portfolio analytics. With Freddie Mac since 2006, he has experience in analytics related to all aspects of new acquisition and portfolio management — including deep involvement with modeling, credit policies, quality control, repurchase settlements, counterparty exposures, capital, profitability, loss reserves, stress testing, loss mitigation and servicing, REO, geographic risks, climate and disaster risks, and fraud.

His prior experience includes 10 years with Capital One in credit cards, including as marketing and credit policy lead for U.S. subprime portfolio, P&L ownership of their U.K. prime card portfolio and as the divisional credit officer for US Cards.

Mr. Maniar holds an MBA from Darden Business School at the University of Virginia, along with bachelor’s and master’s degrees in civil engineering.

Freddie Mac makes home possible for millions of families and individuals by providing mortgage capital to lenders. Since our creation by Congress in 1970, we’ve made housing more accessible and affordable for homebuyers and renters in communities nationwide. We are building a better housing finance system for homebuyers, renters, lenders and taxpayers. Learn more at FreddieMac.com, Twitter @FreddieMac and FreddieMac.com/blog.

Terri Merlino is Senior Vice President and Chief Credit Officer in the Freddie Mac Single-Family Acquisitions Division.

As chief credit officer, Ms. Merlino leverages 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 Seller experience.

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 to the HousingWire Women of Influence. Ms. Merlino holds a Bachelor of Business Administration in accounting from the University of Houston.

Freddie Mac makes home possible for millions of families and individuals by providing mortgage capital to lenders. Since our creation by Congress in 1970, we’ve made housing more accessible and affordable for homebuyers and renters in communities nationwide. We are building a better housing finance system for homebuyers renters, lenders and taxpayers. Learn more at FreddieMac.com, Twitter @FreddieMac and Freddie Mac’s blog FreddieMac.com/blog.
 

Melissa Narragon is the Vice President of Fair Lending Analytics in the Freddie Mac Single-Family Acquisitions Division. Her team is responsible for partnering with legal counsel and business owners to conduct quantitative fair lending analyses of internal Freddie Mac models and decision tools.

Since joining Freddie Mac in 1999, Ms. Narragon has held roles including quantitative analytics director, economic research senior and economist in the fair lending and affordable lending areas. Most recently, she led Freddie Mac’s acquisition and adoption of ZestAI’s ZAML Platform, enabling us to perform cutting-edge fair lending analytics on our high-risk models, resulting in decisions that are more accurate and fairer. She has also been a leader in making our machine-learning models interpretable and explainable to our stakeholders and advancing research on appraisal gaps and advanced fair lending techniques.

Prior to joining Freddie Mac, she worked for the Board of Governors of the Federal Reserve System. Ms. Narragon holds a Master of Science in statistical science from George Mason University and a Bachelor of Arts in economics from George Washington University.

Freddie Mac makes home possible for millions of families and individuals by providing mortgage capital to lenders. Since our creation by Congress in 1970, we’ve made housing more accessible and affordable for homebuyers and renters in communities nationwide. We are building a better housing finance system for homebuyers renters, lenders and taxpayers. Learn more at FreddieMac.com, Twitter @FreddieMac and Freddie Mac’s blog.

Barbara Pak is Vice President of Single-Family Securitization in the Single-Family Portfolio and Servicing Division. She oversees the issuance and disclosures for Single-Family Single Class and Multi-Class mortgage-backed securities and is the Program Owner for the UMBS Alignment and Single-Family Master Trust Agreement Programs.

The Securitization Multi-Class team provides transaction modeling support for Multifamily, Loan Portfolio Management and Structuring (LPMS) and Credit Risk Transfer (CRT) products. Under the UMBS Alignment Program, the department analyzes and manages security performance and alignment with Fannie Mae securities, tracks Seller/Servicer performance and develops new products and disclosures to meet the needs of the market. Single-Family Securitization established and continues the expansion of Freddie's Single-Family Environmental, Social, and Governance (ESG) bond issuance program (Green/Social/Mission).

Ms. Pak also leads a multi-year enterprise-wide initiative, the SF Securitization Integration Program (SIP), to retire Securitization’s mainframe application while modernizing Security Onboarding and other Securitization capabilities.

With Freddie Mac since 2006, Ms. Pak has served in various leadership positions, including Vice President of Conservatorship and Corporate Initiatives, Vice President of Enterprise Data and other leadership positions in Finance, Operations and IT.

Prior to joining Freddie Mac, Ms. Pak worked in the financial services industry for over 20 years in a variety of roles and responsibilities.

Ms. Pak holds a Master of Finance from American University and a Bachelor of Science in Accounting from Virginia Tech. She is a Certified Public Accountant (CPA).

Freddie Mac makes home possible for millions of families and individuals by providing mortgage capital to lenders. Since our creation by Congress in 1970, we’ve made housing more accessible and affordable for homebuyers and renters in communities nationwide. We are building a better housing finance system for homebuyers renters, lenders and taxpayers. Learn more at FreddieMac.com, Twitter @FreddieMac and Freddie Mac’s blog.

Mike Reynolds is Vice President and Head of Servicing for the Freddie Mac Single-Family Portfolio and Servicing Division. He is responsible for the outcomes related to collecting mortgage payments due, loss mitigation programs and asset disposition for the Single-Family portfolio.

His team partners with numerous industry partners to manage the financial and credit risks that exist in the servicing ecosystem. Mr. Reynolds also leads the Single-Family climate risk assessment function.

Prior to this role, Mr. Reynolds served as Vice President of Credit Risk Transfer (CRT) in the Investments and Capital Markets Division and was responsible for pioneering the CRT program, transferring single-family credit risk to private investors via STACR® (Structured Agency Credit Risk) securitization and ACIS® (Agency Credit Insurance Structure) re-insurance programs.

Mr. Reynolds has over 25 years of government-sponsored enterprise experience and joined Freddie Mac in 2012 to help launch the Single-Family CRT program. Prior to Freddie Mac, he was vice president of strategic initiatives at Fannie Mae. Earlier in his career, he worked on automated underwriting.

He holds a Master of Science in finance from George Washington University and a Bachelor of Science in business administration from Northeastern University.

Freddie Mac makes home possible for millions of families and individuals by providing mortgage capital to lenders. Since our creation by Congress in 1970, we’ve made housing more accessible and affordable for homebuyers and renters in communities nationwide. We are building a better housing finance system for homebuyers renters, lenders and taxpayers. Learn more at FreddieMac.com, Twitter @FreddieMac and Freddie Mac’s blog.

Brandon Rush is Senior Vice President and Head of Digital Experience in the Freddie Mac Single-Family Acquisitions Division. He is responsible for the design and development of digital tools and technologies that enable Sellers to bring our products to the borrower, and the applications that support loan origination and quality control.

Mr. Rush joined Freddie Mac in 2014 as the Investments & Capital Markets Business Technology Officer. Before that, he spent two decades leading multi-national teams creating technology solutions at several large banks, including Goldman Sachs, Deutsche Bank, UBS and Morgan Stanley, where he built teams that accelerated change with his business clients in the Fixed Income markets.

Mr. Rush holds a Bachelor of Science in computer science from Stony Brook University, part of the State University of New York system.

Freddie Mac makes home possible for millions of families and individuals by providing mortgage capital to lenders. Since our creation by Congress in 1970, we’ve made housing more accessible and affordable for homebuyers and renters in communities nationwide. We are building a better housing finance system for homebuyers, renters, lenders and taxpayers. Learn more at FreddieMac.com, Twitter @FreddieMac and Freddie Mac’s blog FreddieMac.com/blog.

Jeff Smith is Vice President of Single-Family Quality Control and Operational Risk Management in the Freddie Mac Single-Family Acquisitions Division. He leads quality control (QC) activities associated with new loan purchases and our fraud program related to the division’s business activities.

 He also oversees the Counterparty Operational Risk Evaluation (CORE) program and governance and serves as Acquisitions Division Risk Officer (DRO) for operational risk.

 Joining Freddie Mac in 2022, Mr. Smith has 35 years of experience in consumer financial services, including 25 years with Wells Fargo Home Mortgage, where he most recently served as executive vice president of mortgage servicing. Prior to that, he was their senior vice president of compliance and operational risk.

Freddie Mac makes home possible for millions of families and individuals by providing mortgage capital to lenders. Since our creation by Congress in 1970, we've made housing more accessible and affordable for homebuyers and renters in communities nationwide. We are building a better housing finance system for homebuyers, renters, lenders and taxpayers. Learn more at FreddieMac.com, Twitter @FreddieMac and Freddie Mac's blog FreddieMac.com/blog.
 

Terin Vivian is the Vice President and Head of Loan Products in the Freddie Mac Single-Family Acquisitions Division.

The Loan Products team has overall responsibility for Single-Family offerings affecting or provided to mortgage borrowers, including the enhancement of existing loan products and the creation of new ones to drive growth in both the breadth and volume of our business. Ms. Vivian leads this strategy for Acquisitions through the ideation, design and implementation of sustainable and scalable mortgage loan products that meet borrower needs and are consumable through our lenders and partners.

With Freddie Mac since 2010, Ms. Vivian has more than 15 years of experience managing mortgage credit investments, including program design and implementation for sales, securitization and risk management programs. Prior to Freddie Mac, she worked in residential mortgage-backed securities and loan trading at Bank of America.

Ms. Vivian holds a Bachelor of Science in quantitative finance, with minors in economics and math, from James Madison University. She is a Chartered Financial Analyst (CFA).

Freddie Mac makes home possible for millions of families and individuals by providing mortgage capital to lenders. Since our creation by Congress in 1970, we’ve made housing more accessible and affordable for homebuyers and renters in communities nationwide. We are building a better housing finance system for homebuyers, renters, lenders and taxpayers. Learn more at FreddieMac.com, Twitter @FreddieMac and Freddie Mac’s blog FreddieMac.com/blog.

Xun Wang is the Vice President and Head of Single-Family Modeling in the Freddie Mac Single-Family Acquisitions Division. She leads the development of Freddie Mac’s Credit Decision models, House Price models, Default and Costing models, and home valuation models. She is responsible for designing and overseeing the development process of the models and maintaining, managing and implementing the governance and compliance surrounding the models. 

Previously, as Vice President of Credit Decision Models, Ms. Wang led the development of Freddie Mac’s Loan Prospector (LP) model and the Freddie Alternative Credit Summary (FACS) model. She was responsible for designing and overseeing the development process of the models and maintaining, managing and implementing the governance and compliance surrounding the models. She led the credit-focused modeling teams.

Since joining Freddie Mac in 2010, Ms. Wang has held roles including quantitative modeling senior director, director and manager and senior economist.

Ms. Wang holds a Ph.D. in economics from The Ohio State University and a Bachelor of Arts in economics from Renmin University of China.

Freddie Mac makes home possible for millions of families and individuals by providing mortgage capital to lenders. Since our creation by Congress in 1970, we’ve made housing more accessible and affordable for homebuyers and renters in communities nationwide. We are building a better housing finance system for homebuyers renters, lenders and taxpayers. Learn more at FreddieMac.com, Twitter @FreddieMac and Freddie Mac’s blog FreddieMac.com/blog.