Jonathan Kunkle is Vice President of Seller Engagement – West within Seller Engagement in the Freddie Mac Single-Family Acquisitions Division. He is responsible for growth, relationships and overall satisfaction in the Northwest, Southwest and Midwest sales regions.

Joining Freddie Mac in 2024, Mr. Kunkle brings 20+ years of extensive experience in sales leadership, operational management, and technical and product oversight across residential mortgage origination, loan servicing and capital markets.

Most recently Mr. Kunkle was EVP, Chief Product Officer, for Covius Holdings, Inc. (formerly LenderLive Network) and, prior to that, Executive Director of Enterprise Services. In these roles, he led strategies that included sales plans for growth, overhauling and retooling product solutions, collaborating with technical partnering and ensuring client voice was captured into solutions.

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.

John Wines, Chief Strategy Officer at Atlantic Bay Mortgage Group, leads enterprise-wide innovation in lending, overseeing IT, data, and sales training. His work drives scalable growth at Atlantic Bay.

John earned HousingWire Vanguard honors in 2023 for “moving markets forward” — recognized for launching Atlantic Bay’s AI chatbot, modern POS, and systems architecture that empower both borrowers and staff. With more than 20 years in operations, sales, and mortgage tech, John brings hands-on insight into tech leadership, vendor strategy, and digital transformations in the mortgage space.

Prior to working at Atlantic Bay, John held roles at Homestead Mortgage Corporation and Wells Fargo. He graduated from James Madison University in 2001 with a BBA in Finance.

Founder of The Basis Point®, a sales & strategy consultancy to banks, lenders, and fintechs – and a smart, fun financial media brand. We advise top companies in the space, and cut through the consumer finance, real estate, and fintech clutter to deliver sharp insights that consumers get and pros respect.