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
This podcast segment highlights the House passage of key legislation aimed at ending the abusive use of mortgage credit trigger leads, signaling major progress in protecting borrower privacy.
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Adam DeSanctis, VP of Communication at Mortgage Bankers Association
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, offering a macroeconomic perspective with his signature musical parodies.
- Matt Graham of ...
In this thought-provoking segment of the Weekly Mortgage Update, industry veterans unpack the growing disconnect between market narratives and actual Fed messaging. With headlines misrepresenting measured commentary from Fed officials like Christopher Waller, and markets showing surprising restraint despite escalating geopolitical tensions in the Middle East, the conversation turns toward media responsibility, central bank transpar...
This podcast segment explores the double-edged sword of automation in mortgage tech, warning against careless AI implementation while highlighting modular innovations from Tavant, Maxwell, Fannie Mae, and others.
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Allen Pollack, Tech Consultant
This podcast segment explains how the market’s muted reaction to the Fed’s dot plot and geopolitical unrest reflects ongoing uncertainty around inflation and mixed signals from central bankers.
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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...
This podcast segment covers that the trigger lead bill is advancing swiftly through Congress, while the mortgage industry faces growing pressure to modernize outdated workflows and embrace AI-driven change.
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Alice Alvey, Master CMB
06-23-2025 "Rawhide" The Middle East Is The Wild West
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Build ‘em up. Move ‘em Out. Keep those loans a’ rollin' Though the rates are swollen. Keep them loans a’ rollin' Go High.
The Middle East conflict is complex and carries a high potential for unpredictable consequences. A regime change in Iran needs the army to change its allegiance, and it will take time for the oppressed people to rise up and establish a new...
The Mortgage Bankers Association reports that the U.S. House is set to vote on its version of the trigger lead reform bill, marking the final step before the legislation can be reconciled and signed into law.
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Adam DeSanctis, VP of Communication at Mortgage Bankers Association
The future of finance is here—and it's being written in code. In this episode of Lykken on Lending, I sit down with Lee Bratcher, President of the Texas Blockchain Council, to explore how stablecoins, tokenization, and policy reform are reshaping the way we think about banking, payments, and real estate. From Texas’ groundbreaking Bitcoin Reserve legislation to the rising influence of stablecoin technology in everyday transactions,...
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...
In this insightful episode of Lykken on Lending, David Lykken is joined by Pete Mills and Justin Wiseman of the Mortgage Bankers Association (MBA) to unpack some of the most pressing issues facing the housing finance industry. From the long-debated release of Fannie Mae and Freddie Mac from conservatorship to the push for single-file credit scores and the evolving fate of the CFPB, this conversation delivers a comprehensive look at...
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...
In this episode of Lykken on Lending, I sit down with Adam Carmel, Founder and CEO of Polly, to explore how his team is transforming one of the most overlooked yet critical areas of mortgage banking—capital markets technology. We dive into why legacy pricing engines have held lenders back, how Poly is using AI and agile infrastructure to cut origination costs, and what the future holds for a more transparent, configurable, and prof...
In this episode of Lykken on Lending, David Lykken sits down with real estate industry veteran and visionary leader Chris Heller. From his early days selling timeshares to leading Keller Williams’ global expansion and now driving innovation at Movoto (powered by Lower), Chris shares lessons on leadership, growth, timing, and the critical intersection of people and technology. This candid conversation explores what it really takes t...
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...
In this episode of Lykken on Lending, we’re joined by Mark Todd, EVP of Sales & Client Services at Byte Software, for a compelling look at how one of the industry's longest-standing LOS providers continues to lead through innovation. With a mortgage career that started “in Pampers” and a decade of helping lenders modernize with Byte, Mark shares the company’s customer-first philosophy, the launch of their next-generation browse...
In this inspiring episode of Lykken on Lending, I sit down with Victor Nino—co-founder of Realty of America and a standout in the real estate world—for a powerful conversation on how to scale your business with intention, integrity, and innovation. From his humble beginnings in Eagle Pass, Texas, to leading one of the fastest-growing real estate companies in the nation, Victor shares how mentorship, mindset, and showing up with exc...
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...
In this episode of Lykken on Lending, I sit down with Jerry Rader of Alcova Mortgage to explore the deeper side of recruiting—where culture, calling, and character matter more than compensation. Jerry shares how his faith, leadership journey, and long-game approach to relationships have shaped a recruitment philosophy that prioritizes alignment over urgency. From identifying your company’s true culture to helping candidates uncover...
In this eye-opening episode of Lykken on Lending, we’re sitting down with Rob Chrane, founder and CEO of Down Payment Resource (DPR), to reveal one of the mortgage industry's most powerful — and underutilized — tools: Down Payment Assistance (DPA) programs.
With over 2,500 active programs and a staggering 240,000+ updates annually, DPR is transforming the way lenders, realtors, and borrowers access homeownership opportunities. Rob s...
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