What are Mission Vision & Core Values of Freddie Mac Company?

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What drives Freddie Mac’s strategy in 2025?

Freddie Mac, the Federal Home Loan Mortgage Corporation, anchors U.S. housing finance by ensuring liquidity to lenders and stabilizing the 30-year mortgage market. In 2025 its mission and vision direct capital allocation, risk management, and programs across a nearly $3.5 trillion mortgage portfolio.

These guiding statements shape enterprise risk, credit programs, and market interventions to promote stability and housing affordability while aligning business decisions with public-policy goals.

What are Mission Vision & Core Values of Freddie Mac Company?: mission to expand stable homeownership access; vision to support a resilient mortgage market; core values include accountability, integrity, and service. See Freddie Mac Porter's Five Forces Analysis

Freddie Mac's mission focuses on ensuring continuous mortgage liquidity, market stability and affordable housing access for lenders, investors and millions of American households.

Core Purpose

Support housing finance by buying mortgages from lenders so capital keeps flowing into communities.

Market Stability

Reduce systemic risk and promote stable mortgage markets through securitization and risk transfer.

Affordability Focus

Prioritize loans for first-time buyers, manufactured housing and rural areas to expand access.

Liquidity Provision

Purchase residential mortgages and pool them into securities sold to investors to free lender capital.

Risk Management

Transfer and manage credit risk to limit taxpayer exposure while sustaining mortgage credit availability.

2025 Operational Targets

Commitment includes purchasing loans supporting over $500,000,000,000 in annual mortgage volume and expanding underserved market lending.

Freddie Mac mission statement centers on liquidity, stability and affordability, manifested in 2025 by expanded support for manufactured housing, rural loans and a target of $500 billion+ annual mortgage purchases. Target Market of Freddie Mac

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Freddie Mac vision statement: To be the nation’s best housing partner by accelerating digital innovation, improving data transparency, and reducing costs and closing times to expand access to quality housing.

National leadership

Positioning Freddie Mac as the primary housing partner across the U.S., influencing mortgage liquidity and standards.

Digital transformation

Drive industry disruption through automation and data-driven mortgage processes to cut closing times and costs.

Data transparency

Leverage large datasets to improve pricing, risk management, and investor confidence in mortgage-backed securities.

Market impact

Support a secondary mortgage market that provides high-quality, liquid assets sought by domestic and international investors.

Housing supply focus

Work to address the national housing supply deficit through financing innovations and policy partnerships.

Measurable ambition

Build on facilitating roughly 25% of U.S. home loans to become an indispensable partner across the housing value chain.

To be the nation’s best housing partner by leveraging data, digital tools, and market influence to reduce costs and expand access to homeownership while maintaining liquidity and investor confidence.

See further strategic context in Growth Strategy of Freddie Mac

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Freddie Mac’s core values guide daily decisions and define its role in stabilizing the U.S. housing market; they focus on performance, collaboration, innovation, ethics, leadership, and inclusion. These values support the company’s public mission to expand homeownership and rental access while protecting taxpayers.

Deliver Results

Emphasis on high performance and accountability; in 2024–2025 Freddie Mac generated roughly $12 billion in net income, strengthening capital reserves required by regulators.

Seek and Embrace Change

Encourages innovation such as AI underwriting and automated collateral reviews, reducing traditional appraisals in nearly 50% of eligible transactions by 2025.

Work as One Team

Fosters cross-divisional collaboration across Single-Family, Multifamily, and Capital Markets to manage systemic risk and present unified lender and regulator engagement.

Be Your Best Self

Promotes individual growth and inclusion; over 50% of employees identify as ethnically diverse, informing products that serve diverse homebuyers.

Read next: how Freddie Mac’s mission and Freddie Mac vision statement influence strategic decisions and product design across housing finance; see Mission, Vision & Core Values of Freddie Mac

Values: Freddie Mac operates under six core values—Deliver Results, Seek and Embrace Change, Work as One Team, Be Your Best Self, Lead the Way, Do the Right Thing—guiding its public mission, risk transfer practices (CRT), green finance (over $100 billion Green Bond issuance by mid‑2025), and foreclosure prevention programs that aided hundreds of thousands of families in 2024–2025.

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Mission and vision statements shape strategic choices by defining long-term goals and the metrics used to evaluate success across products, partnerships, and risk frameworks. They guide resource allocation toward affordability, stability, and equitable access to housing finance.

Core purpose and strategic intent

Freddie Mac's mission and vision direct priorities like affordable lending, market stability, and equitable access to homeownership and rental housing.

• Mission focused on secondary mortgage market liquidity and long-term stability
• Vision emphasizes equitable housing finance and sustainable 30-year mortgage availability
• Core values center on integrity, teamwork, innovation, and accountability
• Performance measured against FHFA housing goals and affordability metrics

Affordability programs

Programs like Refi Possible expand access to lower-cost refinancing and are tied to the mission to increase affordability.

Inclusion of non-traditional credit

Product design now incorporates rent and other alternative credit data; by 2025 this helped over 200,000 renters improve credit profiles.

Partnerships with CDFIs

Strategic alliances with community development financial institutions align with the vision to serve underserved borrowers and neighborhoods.

Regulatory-aligned targets

Success metrics include FHFA-set housing goals requiring significant shares of purchases for low- and very low-income families.

Stability of the 30-year mortgage

Leadership emphasizes preserving the sustainability of the long-term mortgage as a market-stability objective guiding capital and risk strategy.

Measuring impact beyond returns

Decisions weigh housing-access outcomes alongside financial performance, reflecting organizational values and FHFA mandates.

Influence: The mission and vision statements are the primary drivers of Freddie Mac’s business strategy, particularly in its 2025 Equitable Housing Finance Plan. Every strategic decision, such as the expansion of the Refi Possible program, is directly guided by the mandate to provide affordability. These statements influence product development by prioritizing loan products that account for non-traditional credit data, such as consistent rent payments, which has helped over 200,000 renters improve their credit scores by 2025. Strategic partnerships with community development financial institutions (CDFIs) are also a direct result of the vision to be a housing partner. Success is measured not just by financial returns, but by housing goals set by the FHFA, such as ensuring that a significant percentage of mortgage purchases are for low-income and very low-income families. Leadership, including the CEO, often emphasizes that their long-term planning is focused on the sustainability of the 30-year mortgage. As stated in recent corporate communications, the company’s goal is to ensure that the secondary market remains a reliable source of funding regardless of market cycles, a direct application of the stability component of their mission. For further context see Competitors Landscape of Freddie Mac

Read on for Core Improvements to Company's Mission and Vision: how updated targets, new inclusion metrics, and product changes in 2025 sharpen accountability and delivery of equitable access to housing finance.

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Four focused improvements can sharpen Freddie Mac’s mission and vision to address near-term risks and future opportunities while preserving its core role in housing finance. Each improvement below is designed to integrate resilience, digital leadership, stakeholder transparency, and equitable access into the company’s strategic identity.

Embed resilience into the mission

Explicitly add 'resilience' so the Freddie Mac mission statement reads: To provide liquidity, stability, affordability, and resilience to the U.S. housing market, reflecting rising climate-related insurance costs and physical risk trends.

Commit to digital leadership in the vision

Augment the Freddie Mac vision statement to include digital excellence and innovation, positioning the GSE to compete with digital-native lenders and decentralized finance entrants offering instant, mobile-first mortgage experiences.

Increase transparency on organizational values and metrics

Publish measurable targets tied to Freddie Mac core values—affordability, safety, and service—reporting progress on loan-level outcomes, climate risk exposure, and portfolio affordability metrics annually.

Prioritize equitable access and community partnerships

Embed clear goals for underserved markets, tying capital deployment and product design to outcomes that reduce racial and income-based homeownership gaps, supported by partnerships and community investment metrics.

Improvements

While Freddie Mac’s mission and vision are comprehensive, they could be strengthened by explicitly addressing the growing impact of climate change on housing stability. As of 2025, property insurance costs and climate-related physical risks are becoming major barriers to affordability. A refinement to the mission could include the term resilience, transforming it to: To provide liquidity, stability, affordability, and resilience to the U.S. housing market. This would align the company with evolving industry trends where environmental risk is as critical as credit risk.

Additionally, the vision could be modernized to reflect the necessity of technological leadership. While being the best housing partner is a strong goal, adding a commitment to digital excellence would better address the rise of decentralized finance and digital-native mortgage lenders. By framing these as growth opportunities, Freddie Mac can ensure its mission remains relevant as consumer behaviors shift toward mobile-first and instant-approval financial experiences, ensuring the GSE does not become a bottleneck in an increasingly high-speed market.

Relevant data: as of mid-2025, U.S. insured catastrophe losses averaged over $80 billion annually in recent years, and climate-related insurance premium increases have outpaced general CPI, pressuring housing affordability and informing the need for resilience in the Freddie Mac company purpose and Freddie Mac organizational values.

See a compact historical context in Brief History of Freddie Mac for background on how the Freddie Mac mission statement and Freddie Mac vision statement evolved alongside market shifts.