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 with 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 & legislativ...
May 06, 2025•1 hr
This podcast segment highlights how new mortgage technologies—from real-time income verification to blockchain servicing transfers—are reshaping the industry, while rising compliance demands drive a growing wave of vendor consolidation. ----------------------------------------------------- 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 ...
May 03, 2025•10 min
This podcast segment highlights the critical changes under the new buyer agent commission rules, urging loan officers to stay in their lane and encouraging realtors to sharpen their ability to sell and negotiate their services in today’s evolving market. ------------------------------------------------------------------ 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 UH...
May 03, 2025•2 min
This podcast segment highlights how bond markets have settled back into pre-tariff ranges, while traders prepare for a critical influx of economic data that could determine the next major market moves. ----------------------------------------------------- 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...
May 02, 2025•5 min
In this groundbreaking episode of Lykken on Lending , we dive into how AI is reshaping the mortgage industry — not by replacing loan officers, but by empowering them to reclaim their time, their business, and their personal lives. David Lykken is joined by Troy Kennedy, Founder of LoanWorks.AI, and Jodi Perry, a top-producing loan officer who shares firsthand how this cutting-edge technology is revolutionizing the way she works. Together, they reveal how full AI integration is eliminating tediou...
May 02, 2025•30 min
04-28-2025 Euphoria And Dysphoria Making You "Dizzy?" --------------- Dizzy. We’re so dizzy. Markets are spinning, Like a whirlpool that never ends. Contradictions fight any trend narrative except when there is short-term euphoria or dysphoria. However, with volatile volatility, technical indicators have become less reliable. Most hedging methods can work two-thirds of the time, but beware of the other third. Will the bullish Five and Ten-year futures reverse bearish mortgages from their overrea...
May 02, 2025•1 min
This podcast segment covers the MBA’s latest white paper, which highlights how incorporating positive rental payment history into mortgage underwriting can expand access to homeownership for first-time buyers. ------------------------------------------------------------- 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 re...
May 01, 2025•2 min
In this insightful episode, David Lykken sits down with tech entrepreneur and AI innovator Bill Inman to explore how artificial intelligence—particularly personal AI—is reshaping the future of mortgage lending, real estate, and beyond. Bill shares his journey from startup builder to co-creator of "Angel Twin," a platform enabling professionals to train AI avatars using their own data and voice. Together, they unpack how this technology allows individuals to preserve and monetize their intellectu...
Apr 30, 2025•38 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 with 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 & legislativ...
Apr 29, 2025•52 min
Marc Helm calls for mortgage servicers — and businesses everywhere — to prioritize customer care over hidden fees and short-sighted revenue grabs.
Apr 27, 2025•3 min
The regulars explore how Fed drama, tariff-driven inflation fears, and GSE repurchase risks are putting new pressure on mortgage lenders and the housing market.
Apr 27, 2025•14 min
This podcast segment unpacks rising GSE repurchase risks and the cultural landmines facing major mortgage industry mergers. ------------------------------------------------------------------ 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 President at Indecomm leading the Indecomm-M...
Apr 27, 2025•9 min
This podcast segment explores how AI is reshaping mortgage lending and why future-proofing your tech stack is more urgent than ever. ----------------------------------------------------- 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 Digital, Allen has been helping l...
Apr 25, 2025•14 min
This podcast segment covers a holiday-shortened week brought temporary calm to bond markets, but political pressure on Fed Chair Powell and looming data releases suggest renewed volatility ahead. ----------------------------------------------------- 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 da...
Apr 25, 2025•5 min
04-21-2025 Tariffs Create Confusion For "Radio Free Europe" ------------------------ Tariffs on in transit. Tariffs out in transit. How do we Free Europe? Where to go? Event risk remains high, but implied volatility did slip for Easter. With the bulls and bears in a stalemate like Trump and Xi, will the bearish long-end pull mortgage rates up, or will the bullish 5-year and short-end push rates down? Amid confusion and noise over tariffs, will bewilderment continue to reign? Expect April showers...
Apr 24, 2025•1 min
This podcast segment covers the MBA's renewed legislative push to restrict abusive trigger leads and protect consumer privacy through the reintroduced Home Buyer’s Privacy Protection Act. ------------------------------------------------------------- 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. He is widely ...
Apr 24, 2025•2 min
In this episode of Lykken on Lending , I sit down with Steven Cooley, founder and CEO of Mortgage Advisor Tools, to unpack how lenders are making smarter, more strategic technology decisions in today’s rapidly evolving market. From understanding the unique needs of different lender types to tackling buyer’s remorse and integration pitfalls, Steven shares real-world insights into what’s driving tech adoption—and what’s holding it back. We explore how platforms like his are leveling the playing fi...
Apr 23, 2025•24 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 with 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 & legislativ...
Apr 21, 2025•54 min
In this segment, David and the team explore how mindset, operational process, and empowering the right people help mortgage professionals succeed through rate volatility, shifting volumes, and unexpected challenges.
Apr 20, 2025•18 min
This podcast segment covers a recent federal court ruling against Texas Capital Bank over reverse mortgage tail securities has sparked concerns about systemic risk to warehouse lending and Ginnie Mae’s role in protecting lender interests. ------------------------------------------------------------------ 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 o...
Apr 19, 2025•7 min
This podcast segment draws inspiration from Rory McIlroy’s comeback win at the Masters to emphasize the importance of mindset, perseverance, and staying focused on long-term success over short-term fluctuations. ----------------------------------------- David G. Kittle, CMB is a highly respected leader in the mortgage industry, with over 45 years of experience. He is the Co-Founder and Chairman of The Mortgage Collaborative (TMC), a mortgage lending cooperative providing members with access to r...
Apr 18, 2025•4 min
This podcast segment uses fast food metaphors and real-world lending shifts to underscore the urgent need for modern mortgage technology, AI adoption, and visionary CTOs who drive growth, not just code. ----------------------------------------------------- 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 f...
Apr 18, 2025•10 min
This podcast segment covers Bond markets that faced sharp swings this week as misleading tariff headlines and ongoing trade negotiations overshadowed economic data and drove yield volatility. ----------------------------------------------------- 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/a...
Apr 17, 2025•6 min
04-14-2025 Are You A "Believer?" ---------------------- First things first, We must stop all the trades outside our hands. We’re fired up and tired of the way that fees have been. Pain can bring constructive change. Those who believe only in normal moves miss the abnormal, spinning endless tales on how they won’t miss the next abhorrent variance. Will mortgages follow the Bond to bearish land? The emerging fear about using short-term tariffs to recalibrate long-term international trade arrangeme...
Apr 16, 2025•1 min
In this episode of Lykken on Lending , David Lykken sits down with Steve Butler, President and Chief Revenue Officer of True, to explore how AI is rapidly reshaping the mortgage industry. From eliminating tedious manual tasks to delivering real-time, trusted data, True is on a mission to empower lenders with fully automated, background AI agents that work invisibly—but powerfully—behind the scenes. Steve shares his journey from engineering to mortgage tech, digs into why past technology efforts ...
Apr 16, 2025•22 min
This podcast segment covers the MBA’s renewed push for federal legislation to restrict abusive trigger lead practices and strengthen homebuyer privacy protections. ------------------------------------------------------------- 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. He is widely considered to be an expe...
Apr 15, 2025•2 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 with 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 & legislativ...
Apr 15, 2025•57 min
The regulars unpack the growing risks tied to industry consolidation, loan concentration, and tariff-driven volatility—highlighting systemic challenges for lenders, secondary markets, and warehouse banking.
Apr 12, 2025•28 min
This podcast segment covers a recent federal court ruling against Texas Capital Bank over reverse mortgage tail securities has sparked concerns about systemic risk to warehouse lending and Ginnie Mae’s role in protecting lender interests. ------------------------------------------------------------------ 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 o...
Apr 11, 2025•11 min
This podcast segment covers Bond markets that faced sharp swings this week as misleading tariff headlines and ongoing trade negotiations overshadowed economic data and drove yield volatility. ----------------------------------------------------- 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/a...
Apr 10, 2025•5 min
