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 discusses the impact of the government shutdown on economic data, how private reports are driving market volatility, and the potential consequences for bond markets as government data resumes.
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Matt began as an originator in 2002. He fell in love with the idea of following ...
11-11-2025 Model Data Is “Feeling Good”
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It’s a new dawn. It’s a new day. It’s a new life, for facts. Data feeling good.
Using economic models to imitate government data results in moderation. Facts are messy while models are smooth. The void has also been filled with previously less public alternative data and analytics.
Upon the return of government data, a new world begins. There’ll be a recalibration to government st...
This podcast segment covers recent Fannie Mae updates, including rep and warranty relief for undisclosed debts, extended credit document validity for construction loans, and a shift to a more holistic borrower risk assessment, enhancing access to credit and reducing buyback risk.
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Is there really an AI bubble brewing? In this week’s AI Update, David Lykken and Pavan Agarwal dive deep into Michael Burry’s latest warning—drawing parallels to The Big Short while unpacking how today’s AI economy fundamentally differs from the 2008 mortgage meltdown. From NVIDIA’s massive chip-driven valuations to how depreciation schedules distort corporate earnings, Pavan breaks down what’s real risk, what’s market noise, and w...
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.
In this thought-provoking segment of Lykken on Lending, industry leaders unpack the Fed’s “foggy” direction, the pressures lenders face from shrinking margins, and why the mortgage industry continues to repeat many of the same mistakes from past cycles. Drawing on decades of experience, voices like Bill Corbet, David Kittle, Marc Helm, and Alice Alvey tackle everything from subsidized pricing and technology inefficiencies to GSE ri...
This podcast segment explains the FinCEN rule extension on reporting non-financed real estate transactions, highlighting new compliance requirements for attorneys, realtors, and others involved in cash property deals.
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Alice Alvey, Master CMB
This podcast segment breaks down how the Fed’s decision to cut rates and end quantitative tightening left markets steady, with 10-year yields hovering near 4.1% as traders await fresh economic data following the government shutdown.
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Matt began as an originator in 2002. He fell in love with the...
In this week’s AI Update, David Lykken sits down with Angel AI founder and CEO Pavan Agarwal to discuss the stunning $120 billion valuation validated by Liquid X—one of Silicon Valley’s most respected IP valuation firms. Agarwal reveals how 25 years of engineering, $100 million in personal investment, and a deep foundation in vectorized data positioned Angel AI to succeed precisely where others now admit limits to “general AI.” The...
11-04-2025 Rates Down Time To "Paint it Black"
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Bonds see a red stat, and they want it painted black. No colors from gurus, Bonds want them to turn black.
With lenders subsidizing mortgage rates, our target of 6.125% was reached, while the 10-year yield touched 3.94%. Our bull target remains the same at 3.80 in the 10-year yield.
The declining chance of a Dec Fed cut, tame tariffs, and fiscal disci...
This podcast segment explains how the Mortgage Bankers Association is responding to the CFPB’s proposed open banking rule, advocating for stronger data security, consumer opt-in protections, and an end to risky screen-scraping practices.
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Adam DeSanctis, VP of Communications at Mortgage Bank...
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 explores AI adoption, vendor risk, data integrity, and new compliance challenges emerging from the MBA Annual Conference — plus a few surprising insights (and laughs) from the evolving world of mortgage technology.
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Allen Pollack, Tech Consultant
This podcast segment breaks down Freddie Mac’s new SOC 2 audit expectations, showing why lenders of all sizes must strengthen data security, internal audits, and operational controls to stay compliant and competitive.
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Alice Alvey, Master CMB
This podcast segment explains how bond yields remain below 4% amid limited economic data, renewed trade tensions, and anticipation for the upcoming CPI report once government data resumes.
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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...
10-28-2025 "Walking In Rhythm" Traders and Poets Say Get A Loan
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Walking In Rhythm. Findin' no sound.
Traders and poets try to find rhythm and reason amid chaos, confusion, and calm. &n...
This podcast segment explains how the Mortgage Bankers Association is responding to the CFPB’s proposed open banking rule, advocating for stronger data security, consumer opt-in protections, and an end to risky screen-scraping practices.
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Adam DeSanctis, VP of Communications at Mortgage Bank...
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.
In this week's Weekly Mortgage Update commentary, David and the regulars. including Bill, David Kittle, Marc, Alice, and Allen break down the key takeaways from the MBA Annual Conference in Las Vegas.
From Les Parker’s bond forecasts and Mike Fratantoni’s modest growth projections to Marina Walsh’s profitability data, the panel explores the delicate balance between optimism and realism in today’s market. Topics include the impac...
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,...
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