Freedom Mortgage

Freedom Mortgage

Stanley C. Middleman founded Freedom Mortgage in 1990 and has run it since as a family-owned, privately held residential lender. The company originates and services mortgages, with disclosed emphasis on VA loans for veterans, FHA loans, conventional loans, and USDA loans (per the firm website). Freedom Mortgage reports serving more than 2.5 million homeowners and ranks as a top mortgage lender (Inside Mortgage Finance, 2025). Freedom Mortgage deploys capital across mortgage origination, servicing rights, and related credit assets. The firm’s strategy relies on direct-to-consumer and partner channels, including real estate agent referrals. Assets include a large servicing portfolio — over 2.5 million mortgages — funded through a combination of warehouse lines, securitization, and retained earnings. Geographic footprint covers the United States, with servicing offices and customers nationwide. AUM is undisclosed. The company is owned and operated by the Middleman family (per the firm). Stanley Middleman serves on the Residential Board of Governors for the Mortgage Bankers Association and the Housing Policy Executive Council (per the firm). The firm operates philanthropic arms through Freedom Cares, supporting military charities and housing initiatives. What distinguishes Freedom Mortgage is its status as a family-office-controlled operating company — not a typical investment family office, but a closely held private firm generating wealth through residential lending and servicing. The Middleman family retains full control, with no institutional external investors disclosed. The structure blends sponsorship, origination, and servicing within a single vertically integrated entity.