GENERAL SESSION: Why Stan Middleman Is Betting Big on TPO
Third-Party Origination (TPO) is another revenue source for mortgage lenders to close loans by working with mortgage brokers or loan correspondents. TPO allows lenders to expand their reach and access to new markets by partnering with third-party originators such as brokers, rather than relying solely on direct-to-consumer lending. In this intimate conversation, Stan will share his strategy on how he is leveraging TPO to increase diversification of loan portfolios to further grow Freedom Mortgage. Stan will also discuss why he thinks TPO will provide the mortgage industry with growth opportunities and increase profitability.
Speakers
Moderator
Laura Escobar is the 2025 MBA Chair and President of Lennar Mortgage. A 30-year mortgage industry veteran, Escobar has held leadership positions with both bank-owned and independent mortgage companies overseeing all aspects of mortgage banking, including production, operations, compliance, accounting, and training. Her personal ground level experience in every facet of mortgage lending has enabled her to manage and fully integrate all of these departments within Lennar Mortgage. Escobar is highly engaged in the industry, serves on MBA’s Board of Directors, and was co-chair of MBA’s IMB Executive Council from 2020–2022. She is also a director of the MBA Opens Doors Foundation, which she has supported by successfully fundraising for the foundation’s work and leading Lennar in company campaigns. Beyond her industry work, she is also a licensed mental health counselor and devotes much of her time to working with underprivileged women.
Speakers
Stanley C. Middleman serves as the President and CEO of Freedom Mortgage Corporation, one of the largest and fastest-growing independent mortgage companies in the country. He is a nationally recognized business strategist, investor, and philanthropist with over 30 years of experience in the mortgage banking industry. Since founding Freedom Mortgage in 1990, Mr. Middleman has grown the company into one of the nation’s largest non-bank mortgage lenders/servicers and a top VA and FHA (government-insured) lender. This year, for the third time in a row, Freedom Mortgage was honored with the 2023 Top Workplaces USA Award as well as a Top Workplace Award in Central Indiana, New Jersey, and the Philadelphia region. Freedom Mortgage also joined the Inc. 5000 Honor Roll (since 2021) for the ninth time as one of the fastest-growing companies in the country. In 2022, Freedom Mortgage was name as a Best-in-Class Employer by Gallagher and in 2021, the company was named one of Newsweek’s Most Loved Workplaces. Freedom Mortgage’s mission is to foster homeownership for all consumers across America.
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