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 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.
Episodes
The Texas Mortgage Bankers Association is making history once again. In this episode, David Lykken sits down with Scott Norman, President of the TMBA, to discuss how the organization is redefining what a state association can be—by becoming a destination for collaboration, innovation, and thought leadership. As the TMBA prepares to host the Texas Housing Summit at the LBJ Presidential Library in Austin, celebrating the 60th anniver...
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.
This podcast segment highlights PennyMac’s investment in Vesta’s LOS, survey findings that non-bank lenders are leading in tech adoption and API development, and new AI-powered tools like MORI, ACEs, and Friday Harbor that are reshaping underwriting, compliance, and loan origination.
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Allen Pollack...
Basel III Ripples, Shutdown Risks, and a Shifting Housing Market - Legislative Update by Alice Alvey
This podcast segment examines FHA compare ratios, the risks and rewards of outsourcing, and how smaller lenders can stay competitive by focusing on efficiency, niche products, and smart partnerships.
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Alice Alvey, Master CMB
09-30-2025 The Yield Dancing "Gonna Make You Sweat"
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Best Get moving music!
After the Fed ease, the 10-year yield dipped to 3.99% followed by a test of the August lows of 4.20. Mortgage rates love the slow-to-ease Fed giving them moving music.
Expect the 10-year yield to dance within a range of 4.30% to 4% without disturbing the bullish trend. Regardless, look for the bulls to find its groove again and tap dance on 3....
This podcast segment unpacks the MBA’s GSE reform principles and conservatorship exit, highlighting priorities around competition, capital standards, and a federal backstop to protect the housing market.
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Adam DeSanctis, VP of Communications at Mortgage Bankers Association
In this episode of Lykken on Lending, we dive into the art and science of building brands with Andrew McLean, the creative force behind the award-winning Angel AI identity. From his early start in advertising at just 14 years old to shaping campaigns for Disney, Citibank, and Unilever, Andrew has spent decades refining the craft of connecting people to brands in ways that inspire trust, love, and loyalty. Together with host David L...
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.
This podcast segment unpacks how the Fed’s latest rate cut, dot plot projections, and Powell’s press conference shaped bond market momentum and set the stage for upcoming jobs data.
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Matt began as an originator in 2002. He fell in love with the idea of following MBS in real-time but felt that e...
09.23.2025 "Abraham, Martin and John" Political Divide Continues to Impact US Rates
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Anybody here seen God’s servant Charlie? Can you tell me what went wrong? He freed many students, but it seems that the good they die young.
The martyrdom of Charlie Kirk for Jesus and free speech is a symptom of change. Massive protests over migration, the loss of economic security, and crime in the Advanced economies show tha...
This podcast segment unpacks the MBA’s GSE reform principles and conservatorship exit, highlighting priorities around competition, capital standards, and a federal backstop to protect the housing market.
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Adam DeSanctis, VP of Communications at Mortgage Bankers Association
In this week’s AI Update, David Lykken sits down with Pavan Agarwal, founder of Angel AI, to unpack one of the most pressing issues in mortgage technology: accuracy. While generative AI models like Gemini often “guess” at answers, Angel AI’s deterministic approach ensures precision on critical topics like FHA vs. FHFA credit score requirements. Pavon also shares insights into predictive AI and Eric Schmidt’s bold prediction that us...
In today’s relationship-driven mortgage and business world, success hinges not just on what you know, but how you connect. In this episode of Lykken on Lending, David Lykken sits down with communication and networking expert Patti DeNucci, author of The Intentional Networker and More Than Just Talk. Patti shares her powerful insights on preparing for meaningful conversations, navigating networking events with confidence (whether yo...
In this week’s commentary, industry leaders weigh the tug-of-war between global risks, stubborn inflation, and the Fed’s next moves on rates. Bill points to Europe’s political and economic instability, China’s weakness, and potential U.S. recessionary pressures as the real catalysts for materially lower yields, while Kittle highlights how falling government loan rates are already lifting refi volume and industry morale. Marc adds a...
This podcast segment explores how AI is transforming mortgage technology, warning that legacy vendors risk becoming “plumbing” unless they modernize with open APIs and AI-native workflows.
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Allen Pollack, Tech Consultant
Allen Pollack,...
This podcast segment examines FHA compare ratios, the risks and rewards of outsourcing, and how smaller lenders can stay competitive by focusing on efficiency, niche products, and smart partnerships.
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Alice Alvey, Master CMB
This podcast segment analyzes recent CPI and PPI data, the 10-year Treasury’s bounce at 4%, and why the Fed’s dot plot will be the key signal for future rate cuts.
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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 w...
09.16.25 Is The Fed An "Elevator Operator?"
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Don't jump bullish bonds, don't jump off that roof.
You've got lower yields ahead of you; you're still in your youth.
Bears give anything to have gains like you.
Is the mortgage market an elevator going up or down?
With the 10-year yield breaching at 4%, what occurs next: 4.20 or 3.80? Economic news continues to provide a plethora of bullish and bearish inflation and growth in...
This podcast segment unpacks the MBA’s GSE reform principles and conservatorship exit, highlighting priorities around competition, capital standards, and a federal backstop to protect the housing market.
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Adam DeSanctis, VP of Communications at Mortgage Bankers Association
In this episode of the AI Update, David Lykken welcomes Kevin Popovic—better known as The Idea Guy—to discuss how AI can amplify, not replace, human intelligence. Drawing on his work with LoanWorks, his university teaching, and his upcoming book Amplified, Kevin explains why leaders must stop treating AI like Google and start treating it as a tool for reimagining business models. He shares practical examples of using generative AI ...
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