Lykken on Lending

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. ------------------------------------------------------------------ Alice Alvey , Master CMB Vice President Partner Education and Training at  Union Home Mortgage She handles dev...

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. ----------------------------------------------------- Matt  began as an originator in 2002. He fell in love with the idea of following MBS in real-time but felt t...

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 n...

11-04-2025 Rates Down Time To "Paint it Black" -------------------- 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,...

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. ------------------------------------------------------------- Adam DeSanctis , VP of Communications at Mortgage Bankers Association As a strategic public affairs...

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  offers a macroeconomic perspe...

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. ----------------------------------------------------- Allen Pollack , Tech Consultant Allen Pollack, a Mortgage & Financial Services Technology Advisor, is a su...

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. ------------------------------------------------------------------ Alice Alvey , Master CMB Vice President Partner Education and Training at  Union Home Mortgage She handles dev...

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. ----------------------------------------------------- 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 were only scratching t...

10-28-2025 "Walking In Rhythm" Traders and Poets Say Get A Loan ---------------------------- Walking In Rhythm. Findin' no sound. Traders and poets try to find rhythm and reason amid chaos, confusion, and calm.                               &nbs...

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. ------------------------------------------------------------- Adam DeSanctis , VP of Communications at Mortgage Bankers Association As a strategic public affairs...

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  offers a macroeconomic perspe...

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’...

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. ----------------------------------------------------- Allen Pollack , Tech Consultant Allen Pollack, a Mortgage & Financial Services Technology Advisor, is a subject matter expert in the mortgage origination...

This podcast segment features Alice Alvey breaking down the FHFA’s 2026–2030 Strategic Plan, highlighting its focus on anti-fraud, deregulation, and housing supply — and urging lenders to provide feedback before the November 5th deadline. ------------------------------------------------------------------ Alice Alvey , Master CMB Vice President Partner Education and Training at  Union Home Mor...

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. ----------------------------------------------------- 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 were only scratching t...

10.20.25 "Oh, Lonesome Me" Shutdown Alters Market Uncertainty -------------------- Forget about low oil and find inflation soon. Bears thought of everything from A to Z. Oh, Lonesome Bears. Bonds love misery, like Federal layoffs, cheap oil, China’s exporting deflation, and Europe’s political struggles. Ironically, the absence of government statistics, due to the shutdown, reduces market uncertain...

In this week’s AI Update, David Lykken sits down with Pavan Agarwal to discuss the groundbreaking innovations driving Angel AI’s $119 billion valuation. From the rise of AI twins that communicate and transact autonomously, to the tokenization of real estate equity through blockchain, this episode unveils how the mortgage process is evolving into a seamless, AI-driven financial ecosystem. Pavan sha...

This podcast segment breaks down the FHFA’s newly released 2026–2030 Strategic Plan, highlighting its focus on GSE oversight, deregulation, housing supply, and ongoing efforts to strengthen the U.S. housing finance system. ------------------------------------------------------------- Adam DeSanctis , VP of Communications at Mortgage Bankers Association As a strategic public affairs and communicati...

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  offers a macroeconomic perspe...

In a breakthrough moment for mortgage technology, True and Candor have joined forces to launch the industry’s first instant income verification solution —a partnership that promises to redefine how lenders qualify borrowers. In this episode of Lykken on Lending , host David Lykken sits down with Steve Butler , CEO of True, and Ryan Edmonds , CEO of Candor, to discuss how their combined strengths—...

In this episode of Lykken on Lending , David Lykken sits down with visionary innovator Pavan Agarwal , CEO of Angel AI , to discuss how chat-based artificial intelligence and blockchain technology are revolutionizing global banking and lending. Fresh off his meetings with top financial leaders and government officials in Saudi Arabia and at the North American Blockchain Summit , Pavan shares how n...

In this episode, David and the regulars discuss the far-reaching consequences of the government’s latest moves — including the permanent elimination of HUD’s Office of Housing Counseling and the dismantling of CDFI programs under the Treasury Department. With thousands of jobs cut and key community programs shuttered, the panel explores what this means for housing access, lender liability, and the...

In this thought-provoking episode of Lykken on Lending , David Lykken sits down with Ellen Petry Leanse —a neuroscience educator, former Apple and Google innovator, and bestselling author—to explore how we can put our brains to work for us instead of against us. Ellen unpacks practical neuroscience tools for self-awareness, emotional regulation, and peak performance—sharing how small daily habits...

This podcast segment highlights the Senate’s passage of the bipartisan Road to Housing Act amid the ongoing government shutdown, a key step toward expanding housing affordability and preserving access to homeownership programs nationwide. ------------------------------------------------------------- Adam DeSanctis , VP of Communications at Mortgage Bankers Association As a strategic public affairs...