Lykken on Lending

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...

Marc Helm calls for mortgage servicers — and businesses everywhere — to prioritize customer care over hidden fees and short-sighted revenue grabs.

The regulars explore how Fed drama, tariff-driven inflation fears, and GSE repurchase risks are putting new pressure on mortgage lenders and the housing market.

This podcast segment unpacks rising GSE repurchase risks and the cultural landmines facing major mortgage industry mergers. ------------------------------------------------------------------ Alice Alvey , Master CMB Vice President Partner Education and Training at  Union Home Mortgage She handles development of their World Class Training program designed to support UHM partners and organizati...

This podcast segment explores how AI is reshaping mortgage lending and why future-proofing your tech stack is more urgent than ever. ----------------------------------------------------- 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 soft...

This podcast segment covers a holiday-shortened week brought temporary calm to bond markets, but political pressure on Fed Chair Powell and looming data releases suggest renewed volatility ahead. ----------------------------------------------------- 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 scrat...

04-21-2025 Tariffs Create Confusion For "Radio Free Europe" ------------------------ Tariffs on in transit. Tariffs out in transit. How do we Free Europe? Where to go? Event risk remains high, but implied volatility did slip for Easter. With the bulls and bears in a stalemate like Trump and Xi, will the bearish long-end pull mortgage rates up, or will the bullish 5-year an...

This podcast segment covers the MBA's renewed legislative push to restrict abusive trigger leads and protect consumer privacy through the reintroduced Home Buyer’s Privacy Protection Act. ------------------------------------------------------------- Adam DeSanctis , VP of Communication at Mortgage Bankers Association As a strategic public affairs and communications executive with nearly two decade...

In this episode of Lykken on Lending , I sit down with Steven Cooley, founder and CEO of Mortgage Advisor Tools, to unpack how lenders are making smarter, more strategic technology decisions in today’s rapidly evolving market. From understanding the unique needs of different lender types to tackling buyer’s remorse and integration pitfalls, Steven shares real-world insights into what’s driving tec...

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...

In this segment, David and the team explore how mindset, operational process, and empowering the right people help mortgage professionals succeed through rate volatility, shifting volumes, and unexpected challenges.

This podcast segment covers a recent federal court ruling against Texas Capital Bank over reverse mortgage tail securities has sparked concerns about systemic risk to warehouse lending and Ginnie Mae’s role in protecting lender interests. ------------------------------------------------------------------ Alice Alvey , Master CMB Vice President Partner Education and Training at  Union Home Mor...

This podcast segment draws inspiration from Rory McIlroy’s comeback win at the Masters to emphasize the importance of mindset, perseverance, and staying focused on long-term success over short-term fluctuations. ----------------------------------------- David G. Kittle, CMB is a highly respected leader in the mortgage industry, with over 45 years of experience. He is the Co-Founder and Chairm...

This podcast segment uses fast food metaphors and real-world lending shifts to underscore the urgent need for modern mortgage technology, AI adoption, and visionary CTOs who drive growth, not just code. ----------------------------------------------------- Allen Pollack , Tech Consultant Allen Pollack, a Mortgage & Financial Services Technology Advisor, is a subject matter expert in the mortga...

This podcast segment covers Bond markets that faced sharp swings this week as misleading tariff headlines and ongoing trade negotiations overshadowed economic data and drove yield volatility. ----------------------------------------------------- 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 scratchin...

04-14-2025 Are You A "Believer?" ---------------------- First things first, We must stop all the trades outside our hands. We’re fired up and tired of the way that fees have been. Pain can bring constructive change. Those who believe only in normal moves miss the abnormal, spinning endless tales on how they won’t miss the next abhorrent variance. Will mortgages follow the Bond to bearish land...

In this episode of Lykken on Lending , David Lykken sits down with Steve Butler, President and Chief Revenue Officer of True, to explore how AI is rapidly reshaping the mortgage industry. From eliminating tedious manual tasks to delivering real-time, trusted data, True is on a mission to empower lenders with fully automated, background AI agents that work invisibly—but powerfully—behind the scenes...

This podcast segment covers the MBA’s renewed push for federal legislation to restrict abusive trigger lead practices and strengthen homebuyer privacy protections. ------------------------------------------------------------- Adam DeSanctis , VP of Communication at Mortgage Bankers Association As a strategic public affairs and communications executive with nearly two decades of experience, Ad...

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...

The regulars unpack the growing risks tied to industry consolidation, loan concentration, and tariff-driven volatility—highlighting systemic challenges for lenders, secondary markets, and warehouse banking.

This podcast segment covers a recent federal court ruling against Texas Capital Bank over reverse mortgage tail securities has sparked concerns about systemic risk to warehouse lending and Ginnie Mae’s role in protecting lender interests. ------------------------------------------------------------------ Alice Alvey , Master CMB Vice President Partner Education and Training at  Union Home Mor...

This podcast segment covers Bond markets that faced sharp swings this week as misleading tariff headlines and ongoing trade negotiations overshadowed economic data and drove yield volatility. ----------------------------------------------------- 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 scratchin...

04-07-2025 Spreadsheets in the "Rose Garden" ------------------- Stocks beg a pardon. Trump never promised you a Rose Garden. Performance depends on the starting point. Wednesday’s 3 pm marks looked very different than the 5 pm marks. Would you take on risk when Trump is holding up an Excel spreadsheet taped to a poster board in the Rose Garden? It complicates a pipeline hedger’s life. We call the...

In this episode of Lykken on Lending , we’re joined by industry veteran and straight-shooting consultant Brian Hale for a deep-dive conversation on how mortgage professionals can win in today's volatile market. With over four decades of experience, Brian breaks down the five key focus areas for 2025 , from targeting the right referral partners and converting more leads, to mastering margin managem...

This podcast segment covers the VA’s decision to phase out the VASP program by May 1st raises concerns about increased foreclosure risks for veterans, prompting urgent calls for a permanent partial claim solution. ------------------------------------------------------------- Adam DeSanctis , VP of Communication at Mortgage Bankers Association As a strategic public affairs and communications execut...