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...

The regulars weigh in on growing concerns around rising FHA delinquencies, high debt-to-income ratios, and the lack of refinancing opportunities—warning that macroeconomic strain and supply-demand imbalances may fuel a wave of defaults in the next 12–18 months.

This podcast segment covers Rocket Mortgage expands through its acquisitions of Redfin and Mr. Cooper, it’s building an end-to-end, AI-powered mortgage ecosystem that could challenge ICE's dominance by shifting away from traditional platforms like Encompass and Black Knight. ----------------------------------------------------- Allen Pollack , Tech Consultant Allen Pollack, a Mortgage & Financ...

In this episode of Lykken on Lending , we sit down with Bob Broeksmit, President and CEO of the Mortgage Bankers Association, for a timely and insightful conversation on the state of the mortgage industry. From key advocacy efforts on Capitol Hill to the future of Fannie Mae and Freddie Mac, Bob shares updates on GSE reform, HUD leadership, and the regulatory shifts shaping housing finance today....

This podcast segment covers the Senate’s pushback on the CFPB's overdraft rule, ongoing leadership changes at the Bureau, and renewed efforts to regulate trigger leads at the state level amid broader industry uncertainty. ------------------------------------------------------------------ Alice Alvey , Master CMB Vice President Partner Education and Training at  Union Home Mortgage She handles...

This podcast segment unpacks unexpected bond market behavior amid inflation surprises, tariff uncertainty, and end-of-month trading dynamics—highlighting key trends from housing data to Fed sentiment. ----------------------------------------------------- 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 episode of Lykken on Lending , titled “Threading the Needle: Making Compliance Work in Mortgage Lending,” David Lykken is joined by Brian S. Levy—seasoned attorney, Harvard Law grad, and author of the widely-read Mortgage Musings newsletter—for a candid and insightful conversation on navigating the complex legal landscape of mortgage banking. Together, they dive into hot-button topics like...

03-31-2025 It's As Easy As "1, 2, 3, 4" Tariffs, Cars, Gold, Oil ----------------------- Give us more patience than we've ever had Make it all better when it’s trending sad Tell him that he’s special even when we know Jay’s not. Chairman Jay Powell needs love. How does he do his job with bullets flying in all directions. Europe’s falling. Tariffs are rising. Wait, Europe is rising and tariff are f...

This podcast segment covers the FHFA’s decision to rescind its UDAP oversight rule for Fannie Mae and Freddie Mac, easing compliance burdens and reinforcing the FTC’s authority over consumer protection enforcement. ------------------------------------------------------------- Adam DeSanctis , VP of Communication at Mortgage Bankers Association As a strategic public affairs and communications execu...

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 a rate & market update , followed by  David Kittle , Chief Executive Officer @ The...

This podcast segment covers the CFPB proposing two changes to the Fair Credit Reporting Act: one to regulate data brokers by requiring consumer consent for data use, and another to classify coerced debt under identity theft protections. ------------------------------------------------------------------ Alice Alvey , Master CMB Vice President Partner Education and Training at  Union Home Mortg...

This podcast segment explores ICE Mortgage is advancing a unified technology platform by integrating Encompass and MSP systems, reflecting a broader push toward tech consolidation and simplified workflows across the mortgage industry. ----------------------------------------------------- Allen Pollack , Tech Consultant Allen Pollack, a Mortgage & Financial Services Technology Advisor, is a sub...

This podcast segment covers the Fed’s decision to slow quantitative tightening and a steady rate outlook sparked a midweek bond rally, even as housing data remained mixed and markets await key inflation readings. ----------------------------------------------------- Matt  began as an originator in 2002. He fell in love with the idea of following MBS in real-time but felt that existing product...

03-23-2025 Jay May Be a Goner or "Stay a Little Longer"  ----------------------- So calm and so cool, markets try to be But it don't bother trends. The Fed reduced its selling of Treasuries. Consequently, it can provide more liquidity for investors moving from Stocks to short-term Treasuries. Chairman Powell also confirmed his desire to reduce the MBS portfolio to zero. When contriv...

This podcast segment covers the Mortgage Bankers Association urging the FHFA to simplify its credit score modernization initiative, citing concerns over complexity, consumer cost, and implementation readiness. ------------------------------------------------------------- Adam DeSanctis , VP of Communication at Mortgage Bankers Association As a strategic public affairs and communications executive...

In today’s shifting mortgage landscape, lenders are navigating tighter margins, rising costs, and increased regulatory pressure—yet few topics stir more frustration than the hidden financial burdens behind every transaction. In our latest LinkedIn Live episode, “The Real Cost of Lending: Credit Bureaus, Regulation & The Fight for Housing,” we sit down with Bill Cosgrove , CEO of Union Home Mor...

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 a rate & market update , followed by  David Kittle , Chief Executive Officer @ The...

This podcast segment explores shifting mortgage rates, housing supply challenges, and economic uncertainty, analyzing how market trends and buyer behavior could impact home values and lending strategies.

This podcast segment discussion examines the future of Fannie Mae and Freddie Mac amid ongoing conservatorship debates, the financial and political barriers to privatization, and the potential impact of converting commercial properties into residential housing as a response to market shifts and urban vacancies. ---------------------------------------------------- Alice Alvey , Master CMB Vice Pres...

This podcast segment explores the latest in AI advancements, including Google's Gemini 2.0 image editing, the growing role of AI in compliance with ICE's "Ask Reggie," and key industry innovations recognized in the 2025 ICE Innovation Awards, all while emphasizing the strategic role of technology in mortgage and lending efficiency. ----------------------------------------------------- Allen Pollac...

Despite a volatile bond market driven by CPI and PPI data, Treasury auctions, and shifting stock correlations, traders remain focused on the upcoming Fed announcement and dot plot, which could shape rate expectations for the months ahead. ----------------------------------------------------- Matt  began as an originator in 2002. He fell in love with the idea of following MBS in real-time but...

03-17-2025 Expect Rates To Drop Like A "Grenade" ---------------------- Easing comes, easing goes. That's just how Fed lives Oh, stay, stay, stay it all, but Jay never gives. Fed Chairman Powell likes productivity gains and a steady Dollar. So, does Jay cheer the death of DEI in corporate America? Regardless, he’s in no hurry to give another ease. With Oil in the tank, inflation fal...

This podcast segment covers the Senate’s confirmation of William Pulte as FHFA Director, the future of GSE conservatorship, credit score reforms, and MBA’s efforts to shape housing policy under the Trump administration. ------------------------------------------------------------- Adam DeSanctis , VP of Communication at Mortgage Bankers Association As a strategic public affairs and communications...

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 a rate & market update , followed by  David Kittle , Chief Executive Officer @ The...

This podcast segment covers the latest mortgage market shifts, Rocket Mortgage’s bold acquisition of Redfin, insights on the future of real estate technology, and how AI is reshaping decision-making in the industry.