Lykken on Lending

This podcast segment explains how federal regulators—including the OCC, FDIC, Federal Reserve, and Treasury—have opened a new round of public comment on banking operations, capital requirements, and CRA rules, with feedback due by October 23. ------------------------------------------------------------------ Alice Alvey , Master CMB Vice President Partner Education and Training at  Union Home...

This podcast segment explains how the August jobs report set a narrow trading range for Treasury yields and mortgage rates, with markets now looking to CPI data as the key driver for the Fed’s next move. ----------------------------------------------------- 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 on...

8.11.25 "Hound Dog" --------------------------- Bonds ain't nothin', but a Hound Dog. Just marking all the time. Bonds ain't nothin', but a Hound Dog. Just marking all the time. Corrective forces are exerting themselves calmly. Productivity numbers and inflation expectations add to the bullish case. After Sep Crude Oil failed to close above $70 at the end of July, it’s now...

This podcast segment covers the Mortgage Bankers Association’s push for FHFA and the GSEs to replace the tri-merge credit report requirement with a single report framework to lower costs, increase competition, and modernize mortgage credit reporting. ------------------------------------------------------------- Adam DeSanctis , VP of Communications at Mortgage Bankers Association As a strategic pu...

In this episode of Lykken on Lending , we sit down with Praveen Chandramohan of Cotality —formerly CoreLogic—to explore how data-driven strategies are transforming mortgage customer retention and growth. Praveen shares the story behind Cotality’s rebrand, rooted in collaboration, totality, and vitality , and unveils their powerful new platform, Arraya , which provides lenders with actionable insig...

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 covers the Senate’s passage of a bill to ban most trigger leads and the MBA’s push for Fannie Mae and Freddie Mac to adopt construction and renovation loan purchase reforms that would reduce lender risk. ------------------------------------------------------------------ Alice Alvey , Master CMB Vice President Partner Education and Training at  Union Home Mortgage She hand...

This podcast segment explains how surprising downward revisions to recent jobs reports triggered a sharp bond market rally and drove mortgage rates to their lowest levels in months. ----------------------------------------------------- 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 the surf...

08-04-2025 "You Know My Name" Bonds Know the Game! -------------- With the loss of jobs, do you know what Fed gives? Odds are you won’t like what it is. Last Wednesday, the slow-to-ease Fed became the soon-to-ease-slightly Fed, but by Friday, the Fed had lost control. A voting member resigned as the market screamed to the Fed, ‘You will ease in September.’  The drama of shooting the...

This podcast segment covers the bipartisan passage of the Road to Housing Act, a sweeping legislative effort aimed at expanding housing supply, improving affordability, and streamlining federal housing programs. ------------------------------------------------------------- Adam DeSanctis , VP of Communications at Mortgage Bankers Association As a strategic public affairs and communications executi...

In a mortgage market defined by headwinds and hesitation, Atlantic Bay Mortgage Group is defying the odds—posting a staggering 364% increase in net earnings year over year. In this special LinkedIn Live episode of Lykken on Lending , I sit down with Emily Gardner , Chief Lending Officer and a dynamic force behind the company’s transformation. We go inside the C-suite to explore the power of coachi...

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 Weekly Mortgage Update commentary , industry veterans David Kittle, Bill Corbet, and Marc Helm explore the current state of monetary policy, highlighting the Federal Reserve’s cautious approach to rate cuts and the subtle signals it may send ahead of its next meeting. They examine the bond market’s stagnant “triangular” behavior, discuss how state and local government hiring is impacting j...

This podcast segment exposes the growing threat of AI-powered fraud in mortgage transactions, from deepfake voices and synthetic documents to spoofed emails and masked caller IDs—urging lenders to upgrade defenses now. ----------------------------------------------------- Allen Pollack , Tech Consultant Allen Pollack, a Mortgage & Financial Services Technology Advisor, is a subject matter expe...

This podcast segment explores a quiet week in the bond market as yields remain trapped in a long-term sideways range, with investors awaiting key economic data and Fed commentary. ----------------------------------------------------- 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 the surfac...

07-28-2025 "Everybody (10y Yield, Bulls, and Bears) Dance Now" ---------------------- Everybody Dance Now. Get moving music Everybody Dance Now. After testing resistance two weeks ago, the 10-year yield returned to the center of the two-month range; it's time to dance in the middle. A slow-to-ease Fed gives Bond moving music. The 10-year yield remains within a range of 4.54% to 4.19%. With no conv...

This podcast segment covers the MBA urging Fannie Mae and Freddie Mac to implement key construction lending policy updates to improve borrower access, operational efficiency, and housing affordability in 2025. ------------------------------------------------------------- Adam DeSanctis , VP of Communications at Mortgage Bankers Association As a strategic public affairs and communications executive...

As the mortgage industry navigates a complex landscape of economic shifts and technological evolution, this Weekly Mortgage Update dives into the most pressing issues of 2025. Guest host David Kittle joins industry experts to discuss the rising threat of AI-powered fraud, including deepfake impersonation and synthetic documents, with commentary from OpenAI's Sam Altman. The episode also analyzes m...

In this segment of Weekly Mortgage Update , Bill offers timely insight into the critical role of Federal Reserve independence amidst recent political speculation and market volatility. As rumors swirl around a potential dismissal of Fed Chair Jerome Powell, Bill emphasizes that well-reasoned, steady leadership—not reactive politics—is what the markets crave. Drawing from Fed Governor Waller’s rece...

This podcast segment explores the growing disconnect between the promise of mortgage technology and its real-world usage, highlighting issues like tribal adoption, lack of ROI, and the need for better implementation—not just more tools. ----------------------------------------------------- Allen Pollack , Tech Consultant Allen Pollack, a Mortgage & Financial Services Technology Advisor, is a s...

This podcast segment explains how the recent federal tax bill halves CFPB’s funding and explores how loosening FHA guidelines on manufactured housing could be a strategic solution to today’s affordability crisis. ------------------------------------------------------------------ Alice Alvey , Master CMB Vice President Partner Education and Training at  Union Home Mortgage She handles developm...

This podcast segment unpacks how CPI surprises, tariff pressures, and rumors of Fed Chair Powell's dismissal triggered sharp bond market reactions and investor anxiety around inflation policy and political influence at the Fed. ----------------------------------------------------- Matt  began as an originator in 2002. He fell in love with the idea of following MBS in real-time but felt that e...

07-21-2025 Bulls Say "Let the Good Times Roll" _______________________  Hey, y’all tell everybody, Les Parker in town. A content Fed satisfies Bonds, while news galore offers hope for bulls and bears. Despite Bonds running in place, a slow-to-ease Fed gives bulls room to run. Rates can drop with strong GDP and low inflation. No matter how elusive, let’s get growth above 3%. So,...

This podcast segment covers the Mortgage Bankers Association secures a key legislative win as Congress reinstates VA partial claims, aligning veteran loan relief with FHA and GSE standards. ------------------------------------------------------------- Adam DeSanctis , VP of Communications at Mortgage Bankers Association As a strategic public affairs and communications executive with nearly two dec...

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 Macro Market Update , offering a macroeconomic perspective with his si...