Lykken on Lending

This podcast segment unpacks recent allegations of mortgage fraud involving public officials, sparking a deeper industry conversation about ethics, accountability, and the cost of compromising compliance for political connections. ----------------------------------------- David G. Kittle, CMB is a highly respected leader in the mortgage industry, with over 45 years of experience. He is the Co...

This segment delivers real-time insights on production, inflation, and tariffs while industry leaders urge originators to focus on mindset over rates.

This podcast segment calls out tech overload and urges mortgage execs to rethink their vendor strategy for better ROI and real adoption. ----------------------------------------------------- Allen Pollack , Tech Consultant Allen Pollack, a Mortgage & Financial Services Technology Advisor, is a subject matter expert in the mortgage origination process along with software product management and...

This podcast segment covers Fannie and Freddie release critical guideline clarifications as industry leaders weigh in on compliance, market focus, and staying steady in a shifting economy. ------------------------------------------------------------------ Alice Alvey , Master CMB Vice President Partner Education and Training at  Union Home Mortgage She handles development of their World Class...

In an industry where complexity often stands between consumers and homeownership, this episode— "Click, Close, and Qualify: The Future of Frictionless Home Financing" —features mortgage innovator Jeff Bode , President and CEO of Click n’ Close , who’s leading the charge toward simpler, smarter lending. Jeff shares how his team is transforming the borrower experience through eClosings, day-one cert...

This podcast segment highlights bond traders awaiting Fed signals, trade-driven dollar strength, and a key oil-and-yield setup targeting a 3.60% 10-year by June 30. ----------------------------------------------------- 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 surface. Thus was bor...

5.12.25 "Bonds" Hanging By A Moment  ------------------ We’re standing here until Fed makes us move. Bonds Hanging By A Moment for a clue. Trade deals historically take years, but the nano-second world shortens time. The currency market concludes that the latest trade talks benefit the Dollar. Alternatively, Gold bugs see US tariffs leading to a new trading system where the US...

In this episode of Lykken on Lending , we dive into a groundbreaking development out of Texas that's shaping the future of AI in America. Joined by Steve Kinard and Pavan Agarwal of the AI Innovation Association, we explore the bipartisan momentum behind Senate Bill 1964 , a bill that lays the foundation for ethical AI standards in the public sector. From the concept of digital sovereignty to prac...

This podcast segment covers HR 18115 advances in Congress, aiming to provide long-term stability and foreclosure relief for veterans through VA partial claims reform. ------------------------------------------------------------- Adam DeSanctis , VP of Communication at Mortgage Bankers Association As a strategic public affairs and communications executive with nearly two decades of experience,&nbsp...

In this powerful episode of Lykken on Lending , I’m joined by Amir Syed—top-producing loan officer, dynamic coach, and founder of Go Coaching—for a conversation that’s as inspiring as it is tactical. From fleeing war-torn Iran as a child to becoming a mortgage industry leader, Amir shares the story of how faith, grit, and community shaped his journey. We discuss the mindset that drives success, th...

The Lykken on Lending program will feature our Weekly Mortgage Updates with  Adam DeSanctis and his MBA Mortgage Minute , and then  Les Parker’s TMSpotlight ,  a macroeconomic perspective on the economy  with a music parody. That leads to  Matt Graham of MBS Live  providing you with a rate & market update , followed by  David Kittle , Chief Executive Officer...

This podcast segment covers changes to federal fair lending enforcement under a new executive order. It explores how the rollback of disparate impact standards affects lenders and the ongoing need for clear, consistent compliance policies. ------------------------------------------------------------------ Alice Alvey , Master CMB Vice President Partner Education and Training at  Union Home Mo...

This podcast segment covers the latest in mortgage tech, from app store lawsuits and accessibility compliance to fraud detection, eClosing adoption, and smarter borrower engagement powered by AI. ----------------------------------------------------- Allen Pollack , Tech Consultant Allen Pollack, a Mortgage & Financial Services Technology Advisor, is a subject matter expert in the mortgage orig...

This podcast segment covers a turbulent week in the bond market, as economic data, inflation signals, and tariff uncertainties fueled rising yields and challenged investor expectations ahead of the Fed’s policy update. ----------------------------------------------------- Matt  began as an originator in 2002. He fell in love with the idea of following MBS in real-time but felt that existing p...

05-05-2025 "I Can't Tell You Why" Margins Fell Apart -------------------- Look at the markets, up all night Tearing our loans apart. Market chaos rips margins. Most hedgers can’t tell their superiors why the margins fell apart, forcing them to manage budgets dangerously. Buyers bought 4.44 in the 10-year yield, leading to a bear trap and reviving the Bulls. Look for a sub-4% in the 10-year yield a...

This podcast segment covers how Congress is moving closer to protecting borrower privacy by limiting mortgage trigger leads, with strong advocacy support from the Mortgage Bankers Association. ------------------------------------------------------------- Adam DeSanctis , VP of Communication at Mortgage Bankers Association As a strategic public affairs and communications executive with nearly two d...

In this episode of Lykken on Lending , David Lykken welcomes back Pavan Agarwal, CEO of Sun West Mortgage and creator of Angel AI, for an exciting conversation about the future of mortgage servicing. They dive into how cutting-edge AI technology is dramatically lowering servicing costs — down to as little as $4 per loan — while restoring true borrower partnership and care. By combining a revolutio...

The Lykken on Lending program will feature our Weekly Mortgage Updates with  Adam DeSanctis and his MBA Mortgage Minute , and then  Les Parker’s TMSpotlight ,  a macroeconomic perspective on the economy  with a music parody. That leads to  Matt Graham of MBS Live  providing you with a rate & market update , followed by  David Kittle , Chief Executive Officer...

This podcast segment highlights how new mortgage technologies—from real-time income verification to blockchain servicing transfers—are reshaping the industry, while rising compliance demands drive a growing wave of vendor consolidation. ----------------------------------------------------- Allen Pollack , Tech Consultant Allen Pollack, a Mortgage & Financial Services Technology Advisor, is a s...

This podcast segment highlights the critical changes under the new buyer agent commission rules, urging loan officers to stay in their lane and encouraging realtors to sharpen their ability to sell and negotiate their services in today’s evolving market. ------------------------------------------------------------------ Alice Alvey , Master CMB Vice President Partner Education and Training at&nbsp...

This podcast segment highlights how bond markets have settled back into pre-tariff ranges, while traders prepare for a critical influx of economic data that could determine the next major market moves. ----------------------------------------------------- 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...

In this groundbreaking episode of Lykken on Lending , we dive into how AI is reshaping the mortgage industry — not by replacing loan officers, but by empowering them to reclaim their time, their business, and their personal lives. David Lykken is joined by Troy Kennedy, Founder of LoanWorks. AI, and Jodi Perry, a top-producing loan officer who shares firsthand how this cutting-edge technology is r...

04-28-2025 Euphoria And Dysphoria Making You "Dizzy?" --------------- Dizzy. We’re so dizzy. Markets are spinning, Like a whirlpool that never ends. Contradictions fight any trend narrative except when there is short-term euphoria or dysphoria. However, with volatile volatility, technical indicators have become less reliable. Most hedging methods can work two-thirds of the time, but beware of the...

This podcast segment covers the MBA’s latest white paper, which highlights how incorporating positive rental payment history into mortgage underwriting can expand access to homeownership for first-time buyers. ------------------------------------------------------------- Adam DeSanctis , VP of Communication at Mortgage Bankers Association As a strategic public affairs and communications executive...

In this insightful episode, David Lykken sits down with tech entrepreneur and AI innovator Bill Inman to explore how artificial intelligence—particularly personal AI—is reshaping the future of mortgage lending, real estate, and beyond. Bill shares his journey from startup builder to co-creator of "Angel Twin," a platform enabling professionals to train AI avatars using their own data and voice. To...