Lykken on Lending

This podcast segment explores market fluctuations, the impact of tariffs, regional disparities in housing markets, and the importance of mortgage professionals mastering underwriting nuances to navigate today’s lending landscape.

This podcast segment covers Fannie Mae and Freddie Mac's latest memos, highlighting appraisal improvements, the growing importance of asset validation for underwriting, and the need for strong business continuity and information security policies. ---------------------------------------------------- Alice Alvey , Master CMB Vice President Partner Education and Training at  Union Home Mortgage...

This podcast segment dives into the explosive growth of AI, its impact on mortgage operations, concerns about job displacement, and how companies can harness AI tools to enhance efficiency rather than replace employees. ----------------------------------------------------- Allen Pollack , Tech Consultant Allen Pollack, a Mortgage & Financial Services Technology Advisor, is a subject matter exp...

02-17-2025 "Spinning Wheels" Ride a Fading Rate Trend ------------------------- What goes up must come down. Spinnin' wheel Bonds go around. An axiom is not always a truism. Yet, last week, rates rose and fell symmetrically for good reasons. CPI came in hot, and Crude Oil turned cold. Long-term inflation drives long-term rates, and Oil remained bearish fundamentally and technically.&nbsp...

The mortgage industry is evolving, and ICE Mortgage Technology is at the forefront of this transformation. In this episode of Lykken on Lending , host David Lykken sits down with Amy Cross, Director of Development Platform at ICE , to discuss how their latest technological advancements are streamlining processes, improving efficiency, and enhancing the lender experience. From API integrations to w...

This segment covers major leadership changes at the CFPB, the agency's policy freeze, and the implications for the mortgage and housing finance industry. ------------------------------------------------------------- Adam DeSanctis , VP of Communication at Mortgage Bankers Association As a strategic public affairs and communications executive with nearly two decades of experience, Adam has dee...

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 episode explores the evolving government workforce, the impact of job cuts on housing policy, and the latest market trends shaping the mortgage industry.

This episode unpacks the CFPB’s $700 million budget debate, HUD’s push for efficiency, and the broader impact of government oversight on housing policy and lending programs. ---------------------------------------------------- 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...

This podcast segment explores the impact of Super Bowl 2025 advertisements, highlighting the integration of artificial intelligence by major tech companies and the influential role of social media in shaping consumer engagement. ----------------------------------------------------- Allen Pollack , Tech Consultant Allen Pollack, a Mortgage & Financial Services Technology Advisor, is a subject m...

This week's MBS Live Market Update explores how a surprising AI breakthrough, shifting tariff policies, and market volatility influenced bond yields and interest rates. ----------------------------------------------------- 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...

In this episode of our podcast, "The Dawn of AI in Mortgage: Faster, Smarter, and More Affordable Loans," we explore how AI is revolutionizing the mortgage industry and eliminating inefficiencies that have plagued traditional lending processes. Joined by Pavan Agarwal and John Brumund , we dive into real success stories , showcasing how Angel AI is enabling faster approvals, reducing costs, and br...

02.10.25 "Black Dog" Deals are On/Off -------------------- Hey, hey tariffs like the way you move. Gonna make friends sweat, gonna make deals groove. Trump finds ways to move friends and foes to make deals. Last week, misery and mayhem disappeared before the tariff clock struck midnight with our friends. As a result, our vision for a new rate trend emerged because DOGE and tariff news ga...

HUD and VA’s newly confirmed leaders, Scott Turner and Doug Collins, outline their vision for streamlining lending programs, reducing housing costs, and shaping the future of Fannie Mae and Freddie Mac. ------------------------------------------------------------- Adam DeSanctis , VP of Communication at Mortgage Bankers Association As a strategic public affairs and communications executive with ne...

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 segment explores the current mortgage market landscape, emphasizing interest rate trends, relocation patterns, the challenges of reverse mortgages, and the impact of tariffs, while reinforcing the importance of creative strategies to help borrowers navigate today’s housing market.

This week’s Legislative Update covers key government nominations, the CFPB leadership shake-up, and potential housing policy changes that could impact the mortgage industry. ---------------------------------------------------- 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...

This week’s tech update explores AI agents transforming automation, the latest AR shake-ups from Apple, and innovative mortgage tech solutions reshaping the industry. ----------------------------------------------------- Allen Pollack , Tech Consultant Allen Pollack, a Mortgage & Financial Services Technology Advisor, is a subject matter expert in the mortgage origination process along with so...

This week's MBS Live Market Update explores how a surprising AI breakthrough, shifting tariff policies, and market volatility influenced bond yields and interest rates. ----------------------------------------------------- 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...

2.03.25 Will Rates Just "Ramble On"? --------------------- Ramble On, Golden time. The time for Gold. To sink the Bond. It’s time for rambling new news. Does tariff news beat Bonds or do bonds beat news? Gold returns to its 2024 highs while March Crude Oil remains bearishly positioned, floating below $75. Meanwhile, the 10-year yield slouches towards 4.44. High home prices and mortg...

In today’s competitive mortgage landscape, staying ahead requires more than just great products—it takes innovation, strategic leadership, and a culture that embraces change . In this episode, we sit down with Bobby Nicely, Bill Siple, and Rob Lindstrom of Alcova Mortgage to explore how they’ve built a thriving company by integrating gamification, cutting-edge technology, and a people-first leader...

The MBA Mortgage Minute highlights the latest advocacy efforts on Capitol Hill, focusing on the potential release of Fannie Mae and Freddie Mac from conservatorship and the need for a responsible transition to maintain market stability. ------------------------------------------------------------- Adam DeSanctis , VP of Communication at Mortgage Bankers Association As a strategic public affairs an...

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 segment explores the impact of AI-driven market volatility, the secondary mortgage market's response to unexpected financial events, and the potential economic implications of tariffs, emphasizing the need for disciplined risk management and preparation in uncertain financial

This segment discusses recent legislative updates, including the CFPB's non-bank reporting rule, potential FHA MIP reductions, and the ongoing housing affordability crisis, highlighting modular home manufacturing as a possible solution to supply shortages. ---------------------------------------------------- Alice Alvey , Master CMB Vice President Partner Education and Training at  Union Home...