Freddie Mac and Ginnie Mae have reached out to the mortgage lending and housing communities to find ways to improve their businesses. The messages they got on subprime lending were somewhat surprising. Take Freddie Mac, for instance. At last week’s Housing Finance Summit sponsored by Opal Financial Group, former Housing Secretary Henry Cisneros told Inside B&C Lending that he had participated recently in a meeting of a “blue ribbon panel” formed by Freddie Chairman…