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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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...
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 AI is reshaping mortgage technology by lowering origination costs, reducing vendor sprawl, reinforcing the LOS as core infrastructure, and separating real operational gains from marketing hype.
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Allen Pollack, Tech Consultant
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...
In today’s noisy digital world, attention has become the new currency—and impact is what turns that attention into trust and relationships. In this episode, David Lykken sits down with Josh Pitts, Founder and CEO of Shred Media, to explore how mortgage professionals can win on social media without overthinking, overproducing, or burning out. Broadcasting live from his catamaran anchored off the coast of Panama, Josh shares how he a...
01-13-2026 The New Rates are “Wide Open”
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Under the Trump tweet; Welcome to new rates; He’ll show us everything; With Spreads Wide Open.
Near Thursday’s close, Trump’s announcement that his representatives will buy $200 billion in mortgages pushed mortgage rates down 1/8, and Treasuries did not move. Premium users of dataQollab https://www.mbsmkt.com could see that there were plenty of small transactions behind the move.
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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, I’m joined by Garrett Locklear — a top-producing loan officer who personally originated over $100 million annually while working just a few hours a week, and the founder of Candid, one of the most innovative platforms in mortgage technology today. We dive into how the right combination of people, discipline, and a unified AI-powered platform can fundamentally change how mortgage professionals o...
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 why 2025’s “big deal” wave of mortgage mergers is only the beginning, as retirements, technology disruption, and entrepreneurial originators fuel even more consolidation—and new company startups—heading into 2026.
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David G. Kittle, CMB is a highly respected leader in the mortg...
As mortgage markets settle into a familiar rate range, the real action is happening elsewhere—market share. In this commentary, industry leaders break down why a steepening yield curve and steady rate environment shouldn’t distract lenders from what truly drives success right now: execution, origination discipline, and growth strategy. Rather than waiting on rate drops or trying to time the market, this conversation challenges mort...
This podcast segment examines how mortgage technology is moving beyond AI hype toward real, scalable solutions in 2026, highlighting conversational AI, capital markets platforms, and the push for precision and profitability.
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Allen Pollack, Tech Consultant
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