The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute , and then Les Parker’s TMSpotlight , a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update , followed by David Kittle , Chief Executive Officer @ The Mortgage Collaborative, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative upd...
Jan 06, 2025•55 min
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute , and then Les Parker’s TMSpotlight , a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update , followed by David Kittle , Chief Executive Officer @ The Mortgage Collaborative, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative upd...
Dec 30, 2024•33 min
In this episode of Lykken on Lending , David Lykken interviews Mike O’Krent, founder of Life Stories Alive. Mike shares his inspiring journey from interviewing Holocaust survivors for Steven Spielberg’s USC Shoah Foundation to creating personalized legacy videos for families, businesses, and nonprofits. This heartfelt discussion dives into the transformative power of storytelling, the importance of preserving memories for future generations, and how Mike’s unique services capture the essence of ...
Dec 27, 2024•22 min
The mortgage industry is no stranger to change, and the challenges it faces today demand bold discussions and innovative solutions. In this special Christmas Day podcast episode, David Lykken brings together two industry thought leaders, Greg Sher and Taylor Stork, to explore the pressing issues shaping the future of housing finance and mortgage lending. From Scott Turner's appointment as HUD Secretary and its implications for the housing supply crisis, to MLO compensation reform, and the transf...
Dec 25, 2024•50 min
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute , and then Les Parker’s TMSpotlight , a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update , followed by David Kittle , Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative updat...
Dec 24, 2024•55 min
The Lykken on Lending podcast welcomes Mark Fleming, Senior Vice President for Decision Science and Chief Economist at First American Financial Corporation, for a thought-provoking discussion on the current housing market, mortgage rates, and the challenges and opportunities facing the industry. Mark shares his expert analysis of the Federal Reserve’s recent decisions, the evolving economic landscape, and insights on the future of the housing market, including trends in construction, affordabili...
Dec 23, 2024•36 min
In this insightful episode of Lykken on Lending , David Lykken sits down with Spencer Dusebout, co-founder of Aidium and an innovator in the mortgage industry. From his early days creating a movement to provide clean water to thousands globally to his current work leveraging AI to transform mortgage lending, Spencer shares his unique perspective on technology and problem-solving. The discussion delves into AI's impact on both operational efficiency and sales strategies, highlighting innovative a...
Dec 20, 2024•32 min
The latest episode of Lykken on Lending dives into the transformative power of Angel AI in the mortgage industry, featuring insights from AI expert Pavan Agarwal of SunWest Mortgage and users Chris Beadles and Collin Stodghill from Country Alliance Mortgage. They share how this cutting-edge tool streamlines loan processing, reduces turnaround times, and improves borrower experiences, enabling them to close loans in as little as seven days. With real-world examples and a discussion on the future ...
Dec 18, 2024•35 min
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute , and then Les Parker’s TMSpotlight , a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update , followed by David Kittle , Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative updat...
Dec 17, 2024•40 min
AI and automation are transforming the mortgage industry, with companies like Blend, Gateless, and SimpleNexus introducing advanced solutions to streamline processes, enhance compliance, and improve customer experiences. ----------------------------------------------------- Allen Pollack , Tech Consultant Allen Pollack, a Mortgage & Financial Services Technology Advisor, is a subject matter expert in the mortgage origination process along with software product management and software develop...
Dec 15, 2024•5 min
The bond market rallied last week on weaker-than-expected economic data and hints of rate cut possibilities from the Fed, with key inflation reports like CPI and PPI poised to shape momentum this week. ----------------------------------------------------- Matt began as an originator in 2002. He fell in love with the idea of following MBS in real-time but felt that existing products were only scratching the surface. Thus was born MBS Live in 2007, the first-of-its-kind platform with real-time mar...
Dec 15, 2024•5 min
12-09-2024 "Around The World" Expect The 6's ------------------------------------ Around the 6s, around the 6s. Around the 6s, around the 6s. Last week, Dave Lykken replayed our June 24 forecast that you should see the 30-year mortgage rate reach 6% by the end of the year, which was above 7%. It reached 6.11 in September. The trend to lower mortgage rates should reach 6.375 by New Year’s Eve. Expect US economic optimism and imagined fiscal discipline to sustain the Dollar and low Oil prices thro...
Dec 14, 2024•1 min
MBA commends FHFA's revised Suspended Counterparty Program regulation proposal, urging further refinement to protect GSE-approved lenders from undue penalties for routine certifications. ------------------------------------------------------------- Adam DeSanctis , Director of Public Affairs at Mortgage Bankers Association As a strategic public affairs and communications executive with nearly two decades of experience, Adam has deep expertise in strategy, management, and media relations. He is w...
Dec 14, 2024•2 min
In this episode of Lykken on Lending , David Lykken sits down with Joe Wilson, CEO and Founder of Social Coach, to discuss the transformative role of social media in the mortgage and financial industries. Joe shares insights on how his cutting-edge platform empowers professionals to navigate the complexities of compliance, build authentic relationships, and leverage personalized video content to stand out in a competitive market. From addressing compliance risks to offering practical strategies ...
Dec 12, 2024•35 min
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute , and then Les Parker’s TMSpotlight , a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update , followed by David Kittle , Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative updat...
Dec 10, 2024•35 min
The segment explores the role of AI in business, career challenges in technology, borrower retention strategies, and the importance of using AI as a tool to enhance critical thinking and problem-solving skills. ----------------------------------------------------- Allen Pollack , Tech Consultant Allen Pollack, a Mortgage & Financial Services Technology Advisor, is a subject matter expert in the mortgage origination process along with software product management and software development. In t...
Dec 07, 2024•12 min
The segment discusses proposed FHA loss mitigation changes, including increased loan limits and revised policies, urging industry feedback by December 23rd, while highlighting concerns over tight deadlines and the need for experienced leadership in housing policy. ---------------------------------------------------- Alice Alvey , Master CMB Vice President Partner Education and Training at Union Home Mortgage She handles development of their World Class Training program designed to support UHM pa...
Dec 07, 2024•9 min
Matt Graham provides an MBS market update, highlighting bond market movements, key economic data, and expectations for the upcoming jobs report and its implications for Fed decisions. ----------------------------------------------------- Matt began as an originator in 2002. He fell in love with the idea of following MBS in real-time but felt that existing products were only scratching the surface. Thus was born MBS Live in 2007, the first-of-its-kind platform with real-time market data/analysis,...
Dec 06, 2024•4 min
12.2.24 Affordability Remains an Obstacle and Servicing values will Drop, it's a "Ball of Confusion" ----------- People selling out, people buying in because of the color of their screens. With the Fed listening to Bonds and data, look for 30-year mortgage rates to stay below 7.75 and reach 6% by yearend while the 10-yield falls below 3.50. Stop break dancing. It will be without significant increases in production because affordability remains a significant obstacle. Additionally, due to delinqu...
Dec 06, 2024•1 min
Adam DeSanctis highlights the FHA's proposed permanent loss mitigation waterfall, a top MBA priority, outlining updates to repayment policies, home retention options, and disposition strategies, with comments due by December 23, 2024. ------------------------------------------------------------- Adam DeSanctis , Director of Public Affairs at Mortgage Bankers Association As a strategic public affairs and communications executive with nearly two decades of experience, Adam has deep expertise in st...
Dec 05, 2024•2 min
In this episode of Lykken on Lending , David Lykken steps beyond finance to tackle a challenge every high performer faces: managing stress and optimizing health. Joined by Dr. Tracy Gapin, a renowned health optimization expert and founder of the Gapin Institute, the discussion dives into how stress hormones like cortisol impact energy, focus, and longevity, and how tools like wearable technology and epigenetics offer personalized paths to better health. Drawing from his own journey with Dr. Gapi...
Dec 04, 2024•29 min
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute , and then Les Parker’s TMSpotlight , a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update , followed by David Kittle , Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative updat...
Dec 02, 2024•44 min
The discussion explored AI's potential in mortgage technology, creative social media branding strategies, and the challenges of integrating rapidly developed tech solutions with misaligned user expectations. ----------------------------------------------------- Allen Pollack , Tech Consultant Allen Pollack, a Mortgage & Financial Services Technology Advisor, is a subject matter expert in the mortgage origination process along with software product management and software development. In toda...
Dec 01, 2024•10 min
The discussion covered FHA's proposed rental income flexibilities, insights on HUD's new leadership under Scott Turner, and the ongoing need for modernized housing policies and technology improvements at HUD and Ginnie Mae. ---------------------------------------------------- Alice Alvey , Master CMB Vice President Partner Education and Training at Union Home Mortgage She handles development of their World Class Training program designed to support UHM partners and organizational effectiveness. ...
Dec 01, 2024•8 min
This week's the bond market shows signs of stabilization with yields leveling off, moderate economic data influencing trends, and upcoming key reports like PCE inflation and jobs data expected to shape market movements after the Thanksgiving holiday. ----------------------------------------------------- Matt began as an originator in 2002. He fell in love with the idea of following MBS in real-time but felt that existing products were only scratching the surface. Thus was born MBS Live in 2007, ...
Nov 30, 2024•5 min
11.25.24 "Waterloo" The Dollar Rises, Rate Change Coming ----------------------- Bye, Bye At Waterloo, Napoleon did surrender Old Joe’s IRA met its destiny in quite a similar way. Biden’s Waterloo is trying to spend the excessive IRA. The significant rise in the Dollar confirms international investors approve of the policy direction of the incoming team. Additionally, global economic weakness keeps the lid on inflation expectations. Despite the concern over Ukraine and tensions in the Middle Eas...
Nov 30, 2024•1 min
The FHA's proposed rental income policy revisions aim to expand homeownership opportunities while the MBA gathers feedback and promotes its upcoming IMB Conference in Austin, Texas. ------------------------------------------------------------- Adam DeSanctis , Director of Public Affairs at Mortgage Bankers Association As a strategic public affairs and communications executive with nearly two decades of experience, Adam has deep expertise in strategy, management, and media relations. He is widely...
Nov 29, 2024•1 min
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute , and then Les Parker’s TMSpotlight , a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update , followed by David Kittle , Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative updat...
Nov 26, 2024•39 min
The FHA Mutual Mortgage Insurance Fund's strong financial health, with a capital ratio well above the statutory minimum, prompts calls for premium reductions and policy changes to enhance housing affordability and borrower relief. ------------------------------------------------------------- Adam DeSanctis , Director of Public Affairs at Mortgage Bankers Association As a strategic public affairs and communications executive with nearly two decades of experience, Adam has deep expertise in strate...
Nov 24, 2024•2 min
11.18.24 The Inflation "Sleigh Ride" ----------------- Just hear those sleigh bells jingle-ing, ten years cratering, too, Come on, it's lame-duck weather for a slow ride to low rates with you. When the final advent candle is lit, will rates rise or slide fifty basis points? The answer should come this week. The bearish trend, uncertainty over the fiscal sanity of the Advanced Economies, and the significant political obstacles for Trump’s administration to deliver lower inflation within a year su...
Nov 23, 2024•1 min
