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PODCAST

Lykken on Lending

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 byMarc 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

business investing

All Episodes

7:02

LLPAs Under the Microscope: Affordability, Risk & the...

Lykken on Lending ·

2026/02/26

This podcast segment explores the complex debate around loan level price adjustments (LLPAs), examining how risk-based pricing, capital return expectations, and potential reforms could impact housing affordability—especially for first-time homebuyers.------------------------------------------------------------------Alice Alvey, Master CMBVice President Partner Education and Training atUnion Home MortgageShe handles development of their World Class Training program designed to support UHM partners

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5:12

Resistance at 4.0: Tariffs, Technicals & the Return...

Lykken on Lending ·

2026/02/26

This podcast segment breaks down the 10-year Treasury’s technical resistance at 4.0%, muted bond market reactions to mixed economic data, tariff-driven volatility, and the return of top-tier 30-year mortgage rates to 5.99%.-----------------------------------------------------Mattbegan 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

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31:18

Navigating Real Estate in Divorce: What Every Loan...

Lykken on Lending ·

2026/02/26

Divorce is one of the most overlooked opportunity channels in the mortgage industry — yet nearly every divorce involves real estate, refinancing, assumptions, equity buyouts, or forced sales. In this powerful and personal episode of Lykken on Lending, I sit down with board-certified family law attorney Jimmy Evans to unpack the real challenges divorcing homeowners face: assumable low-rate mortgages, short sales, capital gains exposure, credit risk, and poorly written divorce decrees that can derail

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1:01

"You Want Battle? (Here's a War)" Oil War Drums Are...

Lykken on Lending ·

2026/02/26

02-23-2026 "You Want Battle? (Here's a War)" Oil War Drums Are Beating-------------------Who will not take this anymore? News, Iran, EU, what’s ignored? You Want a Battle? Is it a war?April Crude Oil pushed above $66 a barrel, its highest level since July 2025. War drums continue to bother Oil and sustain the Dollar, while Bonds ignore it.The US growth and inflation send mixed signals. So, the new bull market has no momentum and will be on its heels if the 10-year yield closes above 4.10. Yet,

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1:41

MBA Meets Treasury: Capital Reform, Credit Changes &...

Lykken on Lending ·

2026/02/26

This podcast segment highlights the MBA’s recent meeting with Treasury Secretary Scott Bessent to advance housing affordability initiatives, capital reform efforts, GSE policy updates, and proposed changes to credit reporting, FHA premiums, and LLPAs.-------------------------------------------------------------Adam DeSanctis, VP of Communications at Mortgage Bankers AssociationAs a strategic public affairs and communications executive with nearly two decades of experience,Adam has deep expertise in

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47:13

Ignore the Noise. Close the Loans. Lead Through the...

Lykken on Lending ·

2026/02/24

The Lykken on Lending Weekly Mortgage Updatedelivers expert commentary and timely insights from across the mortgage industry. Each episode features a curated lineup of respected thought leaders and analysts:Adam DeSanctiswith theMBA Mortgage Minute, providing key updates from the Mortgage Bankers Association.Les Parker’sTMSpotlightoffers a macroeconomic perspective with his signature musical parodies.Matt Grahamof MBS Live, breaking down market activity and interest rate movements.David Kittle, CEO

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13:59

So Close to 6%: Momentum Building, But Caution Still...

Lykken on Lending ·

2026/02/20

Mortgage rates are edging tantalizingly close to the 6% threshold, fueled by a benign CPI report, bond-friendly employment revisions, and shifting job market dynamics. But while the headlines suggest momentum building for lower rates—and perhaps a pickup in refinance activity—this moment calls for strategic discipline, not complacency. In this segment, we unpack what the latest economic data is really signaling, why mortgage rates are diverging from the 10-year Treasury, how AI may be reshaping

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9:02

Drowning in State Audits? Why Housing Reform Isn’t...

Lykken on Lending ·

2026/02/20

This podcast segment examines the rising burden of 50-state mortgage regulation, the escalating costs of state audits, and why recent housing reform efforts may not provide the operational relief lenders are hoping for.------------------------------------------------------------------Alice Alvey, Master CMBVice President Partner Education and Training atUnion Home MortgageShe handles development of their World Class Training program designed to support UHM partners and organizational

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1:01

"It's Over" For Some Regulatory Costs - Macro Market...

Lykken on Lending ·

2026/02/20

02-16-2026 "It's Over" For Some Regulatory Costs--------------------Golden scams with US end. Regulation cuts are wins.Regulations have consequences.Forget hook ‘em horns, go with fart*, Bevo, fart.We can exhale* more easily now that Trump revoked the 2009 Obama-era "Endangerment Finding." It drove climate rules by defining greenhouse gases, including methane emitted by cows and CO₂ exhaled by humans.The largest deregulatory move in American history aims to reduce manufacturing costs and increase

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1:48

Congress, GSE Reform, and the Future of the 30-Year...

Lykken on Lending ·

2026/02/19

This podcast segment covers MBA President Bob Broeksmit’s testimony before Congress, outlining the importance of the secondary mortgage market, GSE reform, and protecting the 30-year fixed mortgage to support housing affordability and liquidity.-------------------------------------------------------------Adam DeSanctis, VP of Communications at Mortgage Bankers AssociationAs a strategic public affairs and communications executive with nearly two decades of experience,Adam has deep expertise in

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24:28

Weekly AI Update with Pavan Agarwal: The 3% AI...

Lykken on Lending ·

2026/02/19

While most mortgage lenders are experimenting with AI tools and chatbots, only a small percentage truly understand what it takes to build and deploy decision-grade artificial intelligence. In this episode, David Lykken sits down with Pavan Agarwal and Jennifer to unpack the difference between surface-level AI and industrial-strength decision intelligence. From disciplined engineering practices to proprietary rule engines and parallel loan processing, they reveal why most lenders attempting to “build

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21:40

The Next Evolution of Total Expert "2.0" with Dan...

Lykken on Lending ·

2026/02/18

In this episode, we sit down with Dan Catanella to unpack what the next evolution of Total Expert—“2.0”—really means for lenders and loan originators heading into 2026. This isn’t just an upgrade to a traditional CRM; it’s the transformation from a static database into a true Customer Operating System powered by real-time data intelligence and agentic AI. We explore how tools like CustomerIQ and AI Sales Assistant are enabling hyper-personalized, compliant outreach at scale—turning stale contact

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39:09

Below 6%, AI Disruption, and Housing Reform: A...

Lykken on Lending ·

2026/02/17

The Lykken on Lending Weekly Mortgage Updatedelivers expert commentary and timely insights from across the mortgage industry. Each episode features a curated lineup of respected thought leaders and analysts:Adam DeSanctiswith theMBA Mortgage Minute, providing key updates from the Mortgage Bankers Association.Les Parker’sTMSpotlightoffers a macroeconomic perspective with his signature musical parodies.Matt Grahamof MBS Live, breaking down market activity and interest rate movements.David Kittle, CEO

en-us

11:32

You Can’t Buy Better Processes: Fix Operations Before...

Lykken on Lending ·

2026/02/13

This podcast segment discussed that before investing in new technology, lenders must eliminate vendor overlap, define measurable ROI, and fix internal operational gaps—because no software can compensate for broken processes.-----------------------------------------------------Allen Pollack, Tech ConsultantAllen Pollack, a Mortgage & Financial Services Technology Advisor, is a subject matter expert in the mortgage origination process along with software product management and software

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2:31

Flat Production, Tight Inventory: A Regional Market...

Lykken on Lending ·

2026/02/13

This podcast segment discussed that mortgage production remains flat amid tight inventory and uneven regional activity, highlighting the need for data-driven targeting and stronger relationships with realtors as the spring market approaches.-----------------------------------------David G. Kittle, CMBis 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

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3:15

Freddie Mac Eases Construction-to-Perm Requirements -...

Lykken on Lending ·

2026/02/13

This podcast segment tackles Freddie Mac’s updated guidance, which extends document validity to 540 days and reduces asset re-verification requirements, making construction-to-permanent loans more efficient and less risky for lenders.------------------------------------------------------------------Alice Alvey, Master CMBVice President Partner Education and Training atUnion Home MortgageShe handles development of their World Class Training program designed to support UHM partners and organizational

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4:59

Biggest Bond Rally Since October: Jobs Data Shakes...

Lykken on Lending ·

2026/02/13

This podcast segment explains how President Trump’s $200 billion MBS purchase announcement overshadowed economic data and the jobs report, driving a sharp MBS rally, tightening mortgage spreads, and reshaping mortgage rate dynamics.-----------------------------------------------------Mattbegan 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

en-us

1:01

Gold and Silver are "Dazed and Confused" - Macro...

Lykken on Lending ·

2026/02/13

02-10-2026 Gold and Silver are "Dazed and Confused"---------------------Rates Dazed and Confused for so long it's turned blue.Wanted a rally, jobs made it come true.Commodities go wild, while rates chill.Bank of America’s Bubble Risk Indicators for gold and silver signaled a bubble-like instability just as things broke loose.Regardless of Friday’s rally, mortgages and Treasuries are staying in their defined lanes.Mortgages remain bullish while Treasuries hold to their bear trend.The 10-year yield

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1:49

HR6644 Advances: What the 21st Century Housing Act...

Lykken on Lending ·

2026/02/12

This podcast segment breaks down what the 21st Century Housing Act could mean for mortgage professionals, FHA loan limits, housing supply, and the future of the secondary market.-------------------------------------------------------------Adam DeSanctis, VP of Communications at Mortgage Bankers AssociationAs 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

en-us

19:15

Lowering Cost per Loan: Why AI Fails Without...

Lykken on Lending ·

2026/02/11

In this episode of Lykken on Lending, David Lykken sits down with Steven Butler, CEO of True, for a candid and highly practical conversation about why years of heavy investment in automation and AI have failed to meaningfully lower cost per loan for most lenders—and what actually works. Steven breaks down the difference between surface-level automation and true operational transformation, explaining why granular process analysis, clean data, scalable architecture, and processor productivity are the

en-us

654 results

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