Created by mortgage professionals for mortgage professionals,
Lykken on Lending is a weekly 60-minute podcast hosted by mortgage veteran, David Lykken, and co-hosted by Marc Helm.
Joining the program each week is Adam DeSanctis with his weekly MBA Mortgage Minute, Les Parker with his Macro Market Update, Matt Graham with a weekly Market Update, David Kittle with Originations Update, Alice Alvey providing a Legislative Update, Allen Pollack with his weekly Tech Update.
The weekly updates are followed by the Hot Topic segment, which is an in-depth discussion about one of the hottest topics related to the mortgage industry.
The program can be heard live each Monday at noon central or downloaded as a podcast.
Each week thousands of industry professionals have found this to be an effective way to stay up on all that is happening in the mortgage industry.
This broadcast is provided to the mortgage industry as a public service compliment of Transformational Mortgage Solutions.
We invite you to join us to listen and learn.
This episode explores the evolving government workforce, the impact of job cuts on housing policy, and the latest market trends shaping the mortgage industry.
This episode unpacks the CFPB’s $700 million budget debate, HUD’s push for efficiency, and the broader impact of government oversight on housing policy and lending programs. ---------------------------------------------------- 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. Prior to UHM, Alice served as Senior Vice Presiden...
This podcast segment explores the impact of Super Bowl 2025 advertisements, highlighting the integration of artificial intelligence by major tech companies and the influential role of social media in shaping consumer engagement. ----------------------------------------------------- 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...
This week's MBS Live Market Update explores how a surprising AI breakthrough, shifting tariff policies, and market volatility influenced bond yields and interest rates. ----------------------------------------------------- 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, and live chat ...
In this episode of our podcast, "The Dawn of AI in Mortgage: Faster, Smarter, and More Affordable Loans," we explore how AI is revolutionizing the mortgage industry and eliminating inefficiencies that have plagued traditional lending processes. Joined by Pavan Agarwal and John Brumund , we dive into real success stories , showcasing how Angel AI is enabling faster approvals, reducing costs, and breaking down barriers for homebuyers. Plus, we discuss global market trends , insights from Davos , a...
02.10.25 "Black Dog" Deals are On/Off -------------------- Hey, hey tariffs like the way you move. Gonna make friends sweat, gonna make deals groove. Trump finds ways to move friends and foes to make deals. Last week, misery and mayhem disappeared before the tariff clock struck midnight with our friends. As a result, our vision for a new rate trend emerged because DOGE and tariff news gave investors room to turn the rate trend lower for the 10-year and mortgages. Oil fell 10% from our 2025 antic...
HUD and VA’s newly confirmed leaders, Scott Turner and Doug Collins, outline their vision for streamlining lending programs, reducing housing costs, and shaping the future of Fannie Mae and Freddie Mac. ------------------------------------------------------------- Adam DeSanctis , VP of Communication 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...
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...
This segment explores the current mortgage market landscape, emphasizing interest rate trends, relocation patterns, the challenges of reverse mortgages, and the impact of tariffs, while reinforcing the importance of creative strategies to help borrowers navigate today’s housing market.
This week’s Legislative Update covers key government nominations, the CFPB leadership shake-up, and potential housing policy changes that could impact the mortgage industry. ---------------------------------------------------- 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. Prior to UHM, Alice served as Senior Vice Presiden...
This week’s tech update explores AI agents transforming automation, the latest AR shake-ups from Apple, and innovative mortgage tech solutions reshaping the industry. ----------------------------------------------------- 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 today’s financial services push to all things...
This week's MBS Live Market Update explores how a surprising AI breakthrough, shifting tariff policies, and market volatility influenced bond yields and interest rates. ----------------------------------------------------- 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, and live chat ...
2.03.25 Will Rates Just "Ramble On"? --------------------- Ramble On, Golden time. The time for Gold. To sink the Bond. It’s time for rambling new news. Does tariff news beat Bonds or do bonds beat news? Gold returns to its 2024 highs while March Crude Oil remains bearishly positioned, floating below $75. Meanwhile, the 10-year yield slouches towards 4.44. High home prices and mortgage rates above 7% continue to constrain mortgage production. A new trend to lower rates is on the horizon. Bonds a...
In today’s competitive mortgage landscape, staying ahead requires more than just great products—it takes innovation, strategic leadership, and a culture that embraces change . In this episode, we sit down with Bobby Nicely, Bill Siple, and Rob Lindstrom of Alcova Mortgage to explore how they’ve built a thriving company by integrating gamification, cutting-edge technology, and a people-first leadership approach . From driving operational efficiency through competitive engagement to making smart t...
The MBA Mortgage Minute highlights the latest advocacy efforts on Capitol Hill, focusing on the potential release of Fannie Mae and Freddie Mac from conservatorship and the need for a responsible transition to maintain market stability. ------------------------------------------------------------- Adam DeSanctis , VP of Communication at Mortgage Bankers Association As a strategic public affairs and communications executive with nearly two decades of experience, Adam has deep expertise in strateg...
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...
This segment explores the impact of AI-driven market volatility, the secondary mortgage market's response to unexpected financial events, and the potential economic implications of tariffs, emphasizing the need for disciplined risk management and preparation in uncertain financial
This segment discusses recent legislative updates, including the CFPB's non-bank reporting rule, potential FHA MIP reductions, and the ongoing housing affordability crisis, highlighting modular home manufacturing as a possible solution to supply shortages. ---------------------------------------------------- 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 a...
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...
The bond market remained steady last week amid limited economic data, with upcoming Treasury auctions, the Fed announcement, and key inflation reports expected to drive volatility and influence interest rate trends. ----------------------------------------------------- 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...
01-26-2025 Gold Tells Davos that "You're the Reason Our Kids Are Ugly" ---------------------------- EU, You're The Reason Our bonds Are Ugly, little Davos. Amazing, but looks ain't ev'rythin' and money ain't ev'rythin' US loves you just the same. Last week, Gold rejoiced over the Davos World Economic Forum follies. Will the fiscal constraints unfolding from DC demand a reset of WEF’s reset? Will central banks react foolishly? Gold thinks so, with its advance towards its all-time high posted last...
The Mortgage Minute highlights key Senate committee advancements on the nominations of Scott Besant (Treasury), Doug Collins (VA), and Scott Turner (HUD), with MBA urging swift confirmations. MBA President Bob Broeksmit also emphasized FHA’s strong financial position and called on the Trump administration to lower mortgage insurance premiums to improve affordability for low-to-moderate-income buyers. ------------------------------------------------------------- Adam DeSanctis , VP of Communicati...
In this insightful episode of Lykken on Lending , David Lykken sits down with Mark Fleming, Senior Vice President of Decision Scientist and Chief Economist at First American Financial Corporation, to tackle some of the most pressing issues in the housing market. From the persistent housing supply shortage and regulatory burdens to the role of interest rates and the potential economic impacts of the new administration, this conversation dives deep into the challenges and opportunities shaping the...
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...
In this engaging episode of Lykken on Lending , host David Lykken is joined by the inspiring and dynamic Sue Woodard, a renowned voice in the mortgage and fintech industries. Together with co-host Allen Pollack, they dive into the complexities of lender-vendor relationships, discussing challenges, opportunities, and the critical human element in mortgage technology. Sue, leveraging her unique perspective as both a former lender and a consultant, shares invaluable insights into fostering healthie...
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...
In this episode of Lykken on Lending , David Lykken sits down with Brian Vieaux, a seasoned mortgage industry leader and the driving force behind FinLocker, to explore the evolving role of the modern loan officer. Brian introduces the concept of the "Hybrid Loan Officer," blending traditional referral-based practices with innovative digital strategies to engage homebuyers earlier in their journey. From leveraging social media and personal branding to utilizing FinLocker’s cutting-edge tools, Bri...
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...
In this episode of Lykken on Lending , David Lykken sits down with Mike England, a seasoned entrepreneur and innovator, to explore My Utilities Platform—a groundbreaking service that simplifies the home buying process for consumers while creating additional revenue opportunities for mortgage lenders. Mike shares insights from his career journey, including his work with industry giants like Kimberly Clark and his innovative approach to managed services in the energy and utility sectors. Tune in t...
In this episode of Lykken on Lending , host David Lykken sits down with Garrett Locklear, a top loan originator and founder of Candid, to discuss innovation in mortgage technology. Garrett shares the story behind Candid’s recent acquisition of Unifi CRM, a strategic move that positions the company as a major player in the mortgage tech space. Together, they explore how Candid’s all-in-one operating system streamlines mortgage marketing and sales processes, enhances user experiences, and embraces...
