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 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.
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This episode dives into a sobering—and necessary—reality check for the mortgage industry: the AI hype cycle is peaking, and the bubble is beginning to deflate. Drawing on a new MIT Sloan Management Review report, David Lykken and Pavan Agarwal unpack why scattered AI experiments and “ChatGPT-as-strategy” thinking are setting lenders up for disappointment, not transformation. The conversation explores Amara’s Law, the hidden economi...
This podcast segment highlights HUD’s latest report showing FHA’s strong financial position and examines how renewed affordability discussions could lead to mortgage insurance relief for borrowers in 2026.
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Adam DeSanctis, VP of Communications at Mortgage Bankers Association
In this episode of Lykken on Lending, David Lykken sits down with Cindy Ertman, CEO of The Defining Difference, to unpack how top mortgage professionals build practical, repeatable systems that drive real results—without the overwhelm. Cindy shares hard-earned insights from her journey as a billion-dollar producer, branch builder, and elite coach, breaking down why systems aren’t about rigidity—they’re about freedom, consistency, a...
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 how mortgage technology is shifting from traditional LOS-centered systems to agentic AI platforms, driving dramatic cost compression, faster loan cycles, and a fundamental rewrite of how mortgage lending operates.
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Allen Pollack, Tech Consultant
This podcast segment provides a legislative update on HUD and FHA oversight hearings, the status of major housing bills in Congress, and ongoing questions around investor restrictions and their real impact on housing affordability.
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Alice Alvey, Master CMB
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.
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Matt began as an originator in 2002. He fell in love with the...
1-26-2026 Are Boring Markets "Coming Home?"
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Maybe, maybe, may, rates Coming Home to their peaceful sweet trading.
Are the markets bored with peace? Gold continues to glitter. Over the last 5 months, Copper gained 50% and has held 80% of the move.
Mortgages remain bullish while Treasuries cling to their newly minted bear trend. The 10-year T-Note yield dances between 4.32 & 4...
This podcast segment highlights HUD’s latest report showing FHA’s strong financial position and examines how renewed affordability discussions could lead to mortgage insurance relief for borrowers in 2026.
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Adam DeSanctis, VP of Communications at Mortgage Bankers Association
The U.S. housing market faces a historic single-family inventory shortage, driving affordability challenges and limiting access for aspiring homeowners. In this episode, David Lykken is joined by Phil Bracken, Vice Chairman of Falcon Capital Advisors, to unpack real-world, executable solutions that policymakers, lenders, builders, and communities can act on now. Drawing on decades of experience in mortgage banking, federal policy, ...
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.
Despite a constant stream of geopolitical tension, political speculation, and policy headlines, mortgage rates continue to defy expectations by remaining locked in a well-defined trading range. In this segment of Lykken on Lending, industry veterans unpack why the bond market—not the news cycle—ultimately dictates rate movement, and why traditional concepts like “flight to quality” no longer behave the way they once did. The discus...
This podcast segment explores how social change, global geopolitical turmoil, and evolving workforce realities contrast with the surprising resilience of U.S. financial and mortgage markets.
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Marc Helm
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This podcast segment explores how mortgage technology is shifting from traditional LOS-centered systems to agentic AI platforms, driving dramatic cost compression, faster loan cycles, and a fundamental rewrite of how mortgage lending operates.
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Allen Pollack, Tech Consultant
This podcast segment reflects on Martin Luther King Jr. Day by examining the importance of fair lending laws, HMDA reporting, and why these protections remain essential to accountability, equity, and trust in mortgage lending.
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Alice Alvey, Master CMB
01-20-2026 Bonds are "Breaking the Habit"
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Memories consume the breaking of the wound
It’s picking bulls apart again.
The bears won Friday in Treasuries, while mortgages remained steady as they await details on GSE buying. The chatter over Fed independence is irrelevant. The Fed follows Bonds. And when they run their failed experiments, like Quantitative Easing, who holds them accountable? Only ...
This podcast segment highlights HUD’s latest report showing FHA’s strong financial position and examines how renewed affordability discussions could lead to mortgage insurance relief for borrowers in 2026.
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Adam DeSanctis, VP of Communications at Mortgage Bankers Association
Why Mortgage Lenders Keep Failing at AI—and What the Winners Understand explores a hard truth facing the mortgage industry: most AI initiatives fail not because of lack of ambition, but because leaders misunderstand what AI actually requires to succeed. In this episode, David Lykken sits down with mortgage technologist Pavan Agarwal to unpack why short-term thinking, investor pressure, and “plug-and-play” AI promises are leading le...
In this episode of Lykken on Lending – Hot Topics, David Lykken sits down with Josh Lehr, Founder of Lehrjet, to cut through the noise surrounding AI and mortgage technology. With more than two decades of experience spanning Zillow, Total Expert, and fintech partnerships, Josh offers an independent, practitioner’s perspective on what actually works. The conversation explores AI voice assistants, agentic AI, backend automation, data...
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