Lykken on Lending

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 explores how AI is reshaping mortgage technology by lowering origination costs, reducing vendor sprawl, reinforcing the LOS as core infrastructure, and separating real operational gains from marketing hype. ----------------------------------------------------- Allen Pollack , Tech Consultant Allen Pollack, a Mortgage & Financial Services Technology Advisor, is a subject ma...

This podcast segment explains how President Trump’s $200 billion MBS purchase announcement overshadowed economic data and the jobs report, driving a sharp MBS rally, tightening mortgage spreads, and reshaping mortgage rate dynamics. ----------------------------------------------------- Matt  began as an originator in 2002. He fell in love with the idea of following MBS in real-time but felt t...

In today’s noisy digital world, attention has become the new currency—and impact is what turns that attention into trust and relationships. In this episode, David Lykken sits down with Josh Pitts, Founder and CEO of Shred Media, to explore how mortgage professionals can win on social media without overthinking, overproducing, or burning out. Broadcasting live from his catamaran anchored off the co...

01-13-2026 The New Rates are “Wide Open” —————————- Under the Trump tweet; Welcome to new rates; He’ll show us everything; With Spreads Wide Open. Near Thursday’s close, Trump’s announcement that his representatives will buy $200 billion in mortgages pushed mortgage rates down 1/8, and Treasuries did not move. Premium users of dataQollab https://www.mbsmkt.com could see that there were plenty of s...

This podcast segment highlights HUD’s latest report showing FHA’s strong financial position and examines how renewed affordability discussions could lead to mortgage insurance relief for borrowers in 2026. ------------------------------------------------------------- Adam DeSanctis , VP of Communications at Mortgage Bankers Association As a strategic public affairs and communications executive wit...

In this episode of Lykken on Lending , I’m joined by Garrett Locklear — a top-producing loan officer who personally originated over $100 million annually while working just a few hours a week, and the founder of Candid, one of the most innovative platforms in mortgage technology today. We dive into how the right combination of people, discipline, and a unified AI-powered platform can fundamentally...

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 explores why 2025’s “big deal” wave of mortgage mergers is only the beginning, as retirements, technology disruption, and entrepreneurial originators fuel even more consolidation—and new company startups—heading into 2026. ----------------------------------------- David G. Kittle, CMB is a highly respected leader in the mortgage industry, with over 45 years of experience....

As mortgage markets settle into a familiar rate range, the real action is happening elsewhere—market share. In this commentary, industry leaders break down why a steepening yield curve and steady rate environment shouldn’t distract lenders from what truly drives success right now: execution, origination discipline, and growth strategy. Rather than waiting on rate drops or trying to time the market...

This podcast segment examines how mortgage technology is moving beyond AI hype toward real, scalable solutions in 2026, highlighting conversational AI, capital markets platforms, and the push for precision and profitability. ----------------------------------------------------- Allen Pollack , Tech Consultant Allen Pollack, a Mortgage & Financial Services Technology Advisor, is a subject matte...

This podcast segment reviews the most impactful regulatory developments of 2025 and explains why internal audits, technology controls, and cybersecurity preparedness are critical priorities for mortgage lenders heading into 2026. ------------------------------------------------------------------ Alice Alvey , Master CMB Vice President Partner Education and Training at  Union Home Mortgage She...

This podcast segment explains why mortgage rates remain locked in a narrow range as bond market activity returns and investors shift their focus to a data-heavy economic week. ----------------------------------------------------- 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. T...

01-06-2026 Patience in 2026 Because "Tomorrow is a Long Time"  ---------------- If tomorrow wasn't such a long time, then range trading would mean nothing to us at all. Significant political and economic events in 2026 will affect US credit markets. Yet, expect the 10-year yield to remain between 3.70 and 5.00. Mortgage lenders should be satisfied with mortgage rates between 5.8 and...

This podcast segment highlights HUD’s latest report showing FHA’s strong financial position and examines how renewed affordability discussions could lead to mortgage insurance relief for borrowers in 2026. ------------------------------------------------------------- Adam DeSanctis , VP of Communications at Mortgage Bankers Association As a strategic public affairs and communications executive wit...

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 examines the true cost of mortgage technology, cutting through AI hype to explain why infrastructure, integration, governance, and accountability will define tech winners and losers in 2026. ----------------------------------------------------- Allen Pollack , Tech Consultant Allen Pollack, a Mortgage & Financial Services Technology Advisor, is a subject matter expert in t...

This podcast segment reviews the most impactful regulatory developments of 2025 and explains why internal audits, technology controls, and cybersecurity preparedness are critical priorities for mortgage lenders heading into 2026. ------------------------------------------------------------------ Alice Alvey , Master CMB Vice President Partner Education and Training at  Union Home Mortgage She...

This podcast segment explores why 2025’s “big deal” wave of mortgage mergers is only the beginning, as retirements, technology disruption, and entrepreneurial originators fuel even more consolidation—and new company startups—heading into 2026. ----------------------------------------- David G. Kittle, CMB is a highly respected leader in the mortgage industry, with over 45 years of experience....

This podcast segment explains how a stronger-than-expected Q3 GDP report briefly moved markets, but thin holiday trading and broader context ultimately left rates and yields largely unchanged. ----------------------------------------------------- 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 scratchi...

12-30-2025 Even Modelers Will Make "A Mistake" --------------------- They’re gonna make a mistake They’re gonna do it on purpose Does it waste our time? We all make mistakes. Modelers intentionally make mistakes to test scenarios and reveal truths not shown in official government statistics. Alternative data and models highlight the value of learning through trial and error and transpare...

This podcast segment covers FHFA’s newly finalized 2026–2028 housing goals for Fannie Mae and Freddie Mac, highlighting lower single-family benchmarks, a reduced low-income refinance target, and a renewed focus on sustainable access to affordable housing. ------------------------------------------------------------- Adam DeSanctis , VP of Communications at Mortgage Bankers Association As a strateg...

In a world marked by polarization, misinformation, and constant noise, discerning truth has become one of the most critical leadership skills of our time. In this powerful and personal conversation, David Lykken sits down with Tom Ziglar—CEO of Ziglar, Inc. and son of legendary motivator Zig Ziglar—to explore how truth, identity, and grace-driven leadership can anchor us in uncertain times. Drawin...

In this episode of Lykken on Lending , David Lykken sits down with Matthew Marx, co-founder of Evocalize, to unpack a powerful truth emerging in today’s AI-driven mortgage landscape: local relationships still win. Recorded after the Total Expert Conference, the conversation dives into how lenders and real estate professionals can use AI to automate digital marketing, reclaim control from lead aggr...

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...