Lykken on Lending

43:29

The Old Rules Don’t Apply: Mortgage Rates, Bond...

Lykken on Lending ·

2026/10/06

The Lykken on Lending Weekly Mortgage Update delivers expert commentary and timely insights from across the mortgage industry. Each episode features a curated lineup of respected thought leaders and analysts:Adam DeSanctis with the MBA Mortgage Minute, providing key updates from the Mortgage Bankers Association.Les Parker’s TMSpotlight offers a macroeconomic perspective with his signature musical parodies.Matt Graham of MBS Live, breaking down market activity and interest rate movements.David

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17:56

Higher Rates, New Opportunities: The Mortgage...

Lykken on Lending ·

2026/10/02

Higher interest rates are putting renewed pressure on borrowers and mortgage companies, but they are also creating opportunities for lenders willing to rethink their playbook. In this week’s discussion, David Lykken and the team examine the forces keeping rates elevated and what mortgage professionals can do instead of simply waiting for the market to improve. From developing relationships with community banks and credit unions to offer more competitive fixed-rate and adjustable-rate products, to

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10:14

Beyond the AI Hype: What Mortgage Technology Is...

Lykken on Lending ·

2026/10/02

From AI-assisted pricing configuration and automated underwriting to voice-powered broker tools and insurance-backed AI protection, mortgage technology is advancing rapidly—but lenders still need to prove that innovation translates into meaningful ROI and a better borrower experience.-----------------------------------------------------Allen Pollack, Tech ConsultantAllen Pollack, a Mortgage & Financial Services Technology Advisor, is a subject matter expert in the mortgage origination process

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4:30

The Great Rate Repricing: Why Mortgage Rates Are...

Lykken on Lending ·

2026/10/02

Despite a Fed rate hike and signals that additional tightening may be ahead, mortgage rates and longer-term Treasury yields showed surprising resilience as markets weighed inflation, oil prices, and the Fed’s commitment to price stability.-----------------------------------------------------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

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1:01

Even Modelers Will Make “A Mistake” - Macro Market...

Lykken on Lending ·

2026/10/02

09-29-2026 Even Modelers Will Make “A Mistake”———————They’re gonna make a mistakeThey’re gonna do it on purposeDoes it waste our time?We all make mistakes. Modelers intentionally make mistakes to test scenarios and reveal truths not shown in official government statistics. Alternative data and models highlight the value of learning through trial and error and transparency.The absence of the government spoon-feeding the Fed revealed the shadow modelers to a broader audience. They can gain insight

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1:50

FHA Modernization: Updating Property Standards and...

Lykken on Lending ·

2026/10/02

FHA is moving forward with its first comprehensive minimum property requirements update in 20 years, while MBA supports reforms aimed at modernizing standards and simplifying the partial claim process for mortgage servicers.-------------------------------------------------------------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

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16:12

Weekly AI Update: Beyond AI: Are Human Brain Cells...

Lykken on Lending ·

2026/10/01

Artificial intelligence may no longer be the most provocative frontier in computing. In this episode of the Weekly AI Update, David Lykken and Pavan Agarwal explore the emerging field of biocomputing, where researchers are integrating living human neurons with electronic systems to perform computational tasks. From the remarkable energy efficiency and potential capabilities of biological computing to much deeper questions surrounding consciousness, ethics, regulation, and the boundaries of

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43:20

Rates Are Rising Again: How Mortgage Lenders Can...

Lykken on Lending ·

2026/09/29

The Lykken on Lending Weekly Mortgage Update delivers expert commentary and timely insights from across the mortgage industry. Each episode features a curated lineup of respected thought leaders and analysts:Adam DeSanctis with the MBA Mortgage Minute, providing key updates from the Mortgage Bankers Association.Les Parker’s TMSpotlight offers a macroeconomic perspective with his signature musical parodies.Matt Graham of MBS Live, breaking down market activity and interest rate movements.David

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18:11

Rates, Oil & Credit Scores: What’s Really Driving the...

Lykken on Lending ·

2026/09/25

What will it actually take to bring mortgage rates meaningfully lower? In this week’s discussion, we look beyond the latest Fed decision to examine the broader forces influencing the market, from government spending and geopolitical uncertainty to oil and diesel supply pressures, inflation, and the bond market’s response. The conversation also turns to an increasingly important issue for the secondary market: the growing use of VantageScore alongside FICO and how investors may price these loans as

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9:03

Opening the Credit Black Box: What GSE Transparency...

Lykken on Lending ·

2026/09/25

A push for greater GSE credit-data transparency raises questions about whether investors could eventually evaluate mortgage risk beyond traditional FICO and VantageScore models, potentially affecting pricing, securitization, and the secondary market.------------------------------------------------------------------Alice Alvey, Master CMBVice President Partner Education and Training at Union Home MortgageShe handles development of their World Class Training program designed to support UHM partners

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1:00

Is the Fed on The Road to "Shambala?" - Macro Market...

Lykken on Lending ·

2026/09/25

09-22-2026 Is the Fed on The Road to "Shambala?"-------------------------Wash away Bonds’ troubles. Wash away price pain, with the reign of Grow-a-lot.The economy is rolling along a bumpy road of inflation.So, the Fed tightens and placate the Bond vigilantes.However, nervous nellies on the short end see a fundamental shift: the Fed will raise rates much more.Will rates stay higher for longer?An economy can thrive with little inflation while early-stage AI generates productivity gains.The 10-year

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1:40

Fed Rate Hike, FHA & CFPB Nominations, and New AI...

Lykken on Lending ·

2026/09/25

A busy week in Washington brings a Fed rate hike, key FHA and CFPB nominations, and a new AI supervisory framework aligned with MISMO’s approach to responsible AI governance.-------------------------------------------------------------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 an

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27:40

You Have a Story Worth Telling: Why Every Leader...

Lykken on Lending ·

2026/09/23

Everyone has a story—but too many leaders assume theirs isn’t worth telling. In this Hot Topic, David Lykken sits down with Matt Harms, founder of Pen for Hire NYC, to explore why writing a book can be one of the most powerful ways to share your experience, establish yourself as a thought leader, and leave a lasting legacy. Matt breaks down how to uncover the stories you may not realize you have, how ghostwriting can help turn those experiences into a compelling book, and where AI can—and cannot—fit

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42:11

Mortgage Rates, Fed Moves & Credit Score Disruption:...

Lykken on Lending ·

2026/09/22

The Lykken on Lending Weekly Mortgage Update delivers expert commentary and timely insights from across the mortgage industry. Each episode features a curated lineup of respected thought leaders and analysts:Adam DeSanctis with the MBA Mortgage Minute, providing key updates from the Mortgage Bankers Association.Les Parker’s TMSpotlight offers a macroeconomic perspective with his signature musical parodies.Matt Graham of MBS Live, breaking down market activity and interest rate movements.David

en-us

23:48

Beyond the Rate: How Mortgage Pros Win When the...

Lykken on Lending ·

2026/09/18

With the 10-year Treasury testing the psychologically significant 5% level, mortgage professionals are confronting a rate environment many originators have never experienced—but higher rates don't mean the opportunities disappear. In this discussion, David Lykken and the Lykken on Lending team explore why today's market requires loan officers and mortgage leaders to stop relying on rate as the primary sales tool and instead become stronger advisors, communicators, and problem-solvers. From

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7:41

VantageScore Has a Price: What Lenders Need to Know -...

Lykken on Lending ·

2026/09/18

Alice Alvey examines the new VantageScore 4.0 pricing framework, its differences from Classic FICO, the technology challenges facing lenders, and concerns that multiple scoring options could encourage borrowers to shop multiple applications.------------------------------------------------------------------Alice Alvey, Master CMBVice President Partner Education and Training at Union Home MortgageShe handles development of their World Class Training program designed to support UHM partners and

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5:38

Mortgage Rates Surge as Oil, Inflation & the Fed...

Lykken on Lending ·

2026/09/18

Matt Graham explains how surging oil prices, inflation data, Treasury buybacks, and shifting Fed expectations drove mortgage rates sharply higher while setting the stage for another potentially volatile 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

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1:29

End the Tri-Merge? MBA Pushes for Credit Reporting...

Lykken on Lending ·

2026/09/18

MBA is calling on mortgage professionals to support the #EndTriMerge campaign as FHFA considers major changes to credit reporting, including greater competition, single-file reporting, and newer credit-scoring models.-------------------------------------------------------------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

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30:47

Weekly AI Update: AI Hype vs. Reality: What Mortgage...

Lykken on Lending ·

2026/09/17

Artificial intelligence is generating no shortage of dramatic headlines, but how much of the fear is justified—and where do the real risks actually lie? In this week’s Weekly AI Update, me and Pavan Agarwal cut through the noise surrounding AI and examine what mortgage leaders should truly be paying attention to. From the rapid rise of agentic AI and its ability to deploy thousands of autonomous agents to cybersecurity vulnerabilities, accountability, traceability, and the limitations of today’s

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48:44

Beyond the Agency Box: Why Non-QM Could Define the...

Lykken on Lending ·

2026/09/16

The mortgage industry is entering a period where relying on the traditional agency model alone may no longer be enough. In this Hot Topic, David Lykken sits down with mortgage industry veteran Bill Dallas to explore why Non-QM and non-agency lending could become some of the industry's biggest growth opportunities over the next decade. Drawing on decades of experience spanning origination, capital markets, product development, and multiple market cycles, Dallas explains how today's borrower has

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