Summary
Overview
Work History
Education
Skills
Websites
References
Timeline
Generic

Christopher Freemott

Deer Park

Summary

Executive leader with 26 years in residential mortgage lending, capital markets, and fintech innovation. Combines strategic vision with operational execution, from Realtor-driven originations to launching a Freddie Mac direct seller/servicer and managing mortgage divisions at FDIC-insured banks. Scaled a direct-to-consumer lending platform to $800MM annually as part of a $2BN annual year retail platform, earning recognition from Inc. Magazine and Crain's Chicago Business. Expertise spans pipeline hedging, secondary market strategy, investor relations, LOS optimization, and regulatory compliance. Expansion into Fintech, specifically home equity investment (HEI), digital valuation tools, and alternative ownership models expanded reach to new tools. Recent passion has been building real estate solutions for the divorce industry.

Overview

27
27
years of professional experience

Work History

Consultant

Hello Divorce!
Alameda
03.2025 - Current
  • Delivered tailored consultation services to clients across diverse needs.
  • Developed targeted action plans that addressed unique client requirements.
  • Conducted comprehensive assessments of customer preferences for service enhancement.
  • Aligned client needs with 'Five Pillars of Divorce Support' framework.
  • Established Real Estate Division focused on assisting couples navigating divorce.

Vice President of Business Development

HomePace
Park City
01.2022 - 05.2024
  • Negotiated major contracts with clients to expand the organization's presence in the industry.
  • Implemented innovative methods for generating leads from target audiences.
  • Developed pricing models based on customer segmentation analysis.
  • Monitored industry developments and identified areas of opportunity for expansion into new markets.
  • Established strategic partnerships with vendors in order to obtain favorable terms for products and services.
  • Organized meetings with new partners or potential investors to discuss collaboration opportunities.
  • Developed and implemented business development strategies to increase sales, market share, and profitability.

Vice President Wholesale Operations

Change Wholesale
Tustin
05.2021 - 10.2021
  • Demonstrated strong problem-solving skills, resolving issues efficiently and effectively.
  • Contributed innovative ideas and solutions to enhance team performance and outcomes.
  • Collaborated closely with team members to achieve project objectives and meet deadlines.
  • Met objectives of senior leadership to retain US Treasury CDFI Status
  • Responsible for monthly closing volume of $250M+ in volume

Consultant

Huntington National Bank
Columbus
11.2020 - 05.2021
  • Collaborated with cross-functional teams to ensure alignment on key initiatives and goals.
  • Actively sought out industry trends that could be leveraged for competitive advantage.
  • Coordinated new product development intra-departmentally and with OCC
  • Created capital-efficient product to improve Risk Adjusted Return on Capital by 70% in residential lending division
  • Focused efforts on CRA and Community Lending / Affordable Housing

Director of Business Development

Unison Industries
San Francisco
01.2019 - 11.2020
  • Executed marketing campaigns to create brand awareness and drive customer acquisition strategies.
  • Created and managed a team of sales professionals to generate leads and close deals.
  • Negotiated partnerships with key industry players to expand market presence.
  • Organized trade shows, conferences, seminars, webinars. to promote products and services.

Director of Capital Markets

Midwest Equity Mortgage
Oak Brook
11.2014 - 12.2019
  • Implemented duration hedge strategy, achieving 35 basis points increase in gain-on-sale.
  • Oversaw growth of volume from $400 million to $2.2 billion during tenure.
  • Reduced deficiency cycles by 75% in post-closing department.
  • Collaborated with CFO to enhance warehouse efficiency and GAAP reporting.
  • Developed custom NQM guides for division generating $350 million annually.
  • Held signature authority for transactions up to $3.5 million.

Vice President - Mortgage Division

American Heartland Bank & Trust
Sugar Grove
10.2011 - 03.2013
  • Demonstrated strong problem-solving skills, resolving issues efficiently and effectively.
  • Navigated division through FDIC consent order
  • Launched De Novo Platform

EVP - Residential Mortgage Lending

First Choice Bank
Geneva
06.2010 - 10.2010
  • Member of ALCO
  • Navigated lending division through FDIC Consent decree
  • Division consistently profitable
  • Volume of $30M/mo consistently maintained

President

All American Realty
Naperville
02.1998 - 06.2010
  • Built Freddie Mac direct lender from broker in 5 years
  • Consumer direct + Realtor driven model
  • Merged firm into banking environment in 2010

Education

BBA - Organizational And Behavioral Studies

Illinois Benedictine University
Lisle, NY
06-2013

Skills

  • Capital Markets & Secondary Strategy
  • Risk assessment
  • Performance metrics
  • Sales forecasting
  • Relationship building
  • Effective communication
  • Problem solving
  • Processes and procedures
  • Change management
  • Customer relationship management
  • Management coaching
  • Employee management
  • Process optimization
  • Sales strategy
  • Team leadership & development
  • Public speaking
  • Industry knowledge
  • Subject matter expert
  • Cultural awareness
  • Decision-making
  • Executive support
  • Strategic growth management
  • Verbal and written communication
  • Pipeline Hedging
  • FNMA, FHLMC, Ginnie Mae Delivery
  • Whole Loan & TBA Trading
  • Lock Desk & Pricing Engine Oversight
  • Optimal Blue,Encompass, MCTlive
  • NQM Program Design
  • Investor Relations & Due Diligence
  • Risk Management & Regulatory Compliance
  • FINRA 4210 /FASB 815/820 Standards
  • Loan Manufacturing Lifecycle Oversight
  • Strategic Partnerships & B2B Growth

References

References available upon request.

Timeline

Consultant

Hello Divorce!
03.2025 - Current

Vice President of Business Development

HomePace
01.2022 - 05.2024

Vice President Wholesale Operations

Change Wholesale
05.2021 - 10.2021

Consultant

Huntington National Bank
11.2020 - 05.2021

Director of Business Development

Unison Industries
01.2019 - 11.2020

Director of Capital Markets

Midwest Equity Mortgage
11.2014 - 12.2019

Vice President - Mortgage Division

American Heartland Bank & Trust
10.2011 - 03.2013

EVP - Residential Mortgage Lending

First Choice Bank
06.2010 - 10.2010

President

All American Realty
02.1998 - 06.2010

BBA - Organizational And Behavioral Studies

Illinois Benedictine University

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Christopher Freemott