Lykken on Lending

David Lykken
  • 5.0 (2)
  • INVESTING
  • UPDATED WEEKLY

Created by mortgage professionals for mortgage professionals, Lykken on Lending is a weekly 60-minute podcast hosted by mortgage veteran, David Lykken, and co-hosted by Marc Helm. Joining the program each week is Adam DeSanctis with his weekly MBA Mortgage Minute, Les Parker with his Macro Market Update, Matt Graham with a weekly Market Update, David Kittle with Originations Update, Alice Alvey providing a Legislative Update, Allen Pollack with his weekly Tech Update. The weekly updates are followed by the Hot Topic segment, which is an in-depth discussion about one of the hottest topics related to the mortgage industry. The program can be heard live each Monday at noon central or downloaded as a podcast. Each week thousands of industry professionals have found this to be an effective way to stay up on all that is happening in the mortgage industry. This broadcast is provided to the mortgage industry as a public service compliment of Transformational Mortgage Solutions. We invite you to join us to listen and learn.

  1. So Close to 6%: Momentum Building, But Caution Still Required - 2/17/2026 Weekly Mortgage Update Commentary

    2 DAYS AGO

    So Close to 6%: Momentum Building, But Caution Still Required - 2/17/2026 Weekly Mortgage Update Commentary

    Mortgage rates are edging tantalizingly close to the 6% threshold, fueled by a benign CPI report, bond-friendly employment revisions, and shifting job market dynamics. But while the headlines suggest momentum building for lower rates—and perhaps a pickup in refinance activity—this moment calls for strategic discipline, not complacency. In this segment, we unpack what the latest economic data is really signaling, why mortgage rates are diverging from the 10-year Treasury, how AI may be reshaping hiring patterns, and why lenders must resist the temptation to chase easy refi volume at the expense of purchase relationships. The opportunity is real—but so are the risks if leaders misread the cycle.

    14 min
  2. Drowning in State Audits? Why Housing Reform Isn’t the Relief Lenders Expected - Legislative Update by Alice Alvey

    2 DAYS AGO

    Drowning in State Audits? Why Housing Reform Isn’t the Relief Lenders Expected - Legislative Update by Alice Alvey

    This podcast segment examines the rising burden of 50-state mortgage regulation, the escalating costs of state audits, and why recent housing reform efforts may not provide the operational relief lenders are hoping for. ------------------------------------------------------------------ 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 organizational effectiveness. Prior to UHM, Alice served as Senior Vice President at Indecomm leading the Indecomm-Mortgage U division, Internal QA and Compliance and SaaS technologies. Indecomm acquired Mortgage U in 2013, where Alice was President/Co-founder, providing training and consulting since 1996. Prior to MU she served as SVP of Operations at a national bank overseeing operations for wholesale, retail and correspondent from underwriting through servicing, and compliance. She has been in the trenches of mortgage lending operations from application through servicing for over 30 years. Her authoring work in training content, policies and procedures and the FHA/VA Practical guides illustrates her ability to bridge regulatory requirements with day-to-day operations. Alice has been a weekly contributor to the Lykken on Lending show since its beginning in April 2009 and has made her weekly contributions to 450+ episodes!

    9 min
  3. "It's Over" For Some Regulatory Costs - Macro Market Update by Les Parker

    2 DAYS AGO

    "It's Over" For Some Regulatory Costs - Macro Market Update by Les Parker

    02-16-2026 "It's Over" For Some Regulatory Costs -------------------- Golden scams with US end. Regulation cuts are wins. Regulations have consequences. Forget hook ‘em horns, go with fart*, Bevo, fart. We can exhale* more easily now that Trump revoked the 2009 Obama-era "Endangerment Finding." It drove climate rules by defining greenhouse gases, including methane emitted by cows and CO₂ exhaled by humans. The largest deregulatory move in American history aims to reduce manufacturing costs and increase vehicle affordability. As a result, the 10-year yield broke 4.13, signaling a move below 4%. It’s Over (singer only) These views are mine. Catch changes by signing up for TMSpotlight at les@parkerandcompany.net. --------------------------- Song: It’s Over (1964) Roy Orbison NOTE TO ALL: To sign-up send your contact information to les@parkerandcompany.net.  In March, we will be making content delivery changes, so get on board now.

    1 min
  4. Congress, GSE Reform, and the Future of the 30-Year Fixed - MBA Mortgage Minute by Adam DeSanctis

    3 DAYS AGO

    Congress, GSE Reform, and the Future of the 30-Year Fixed - MBA Mortgage Minute by Adam DeSanctis

    This podcast segment covers MBA President Bob Broeksmit’s testimony before Congress, outlining the importance of the secondary mortgage market, GSE reform, and protecting the 30-year fixed mortgage to support housing affordability and liquidity. ------------------------------------------------------------- Adam DeSanctis, VP of Communications at Mortgage Bankers Association As a strategic public affairs and communications executive with nearly two decades of experience, Adam has deep expertise in strategy, management, and media relations. He is widely considered to be an expert in a variety of communications, including advocacy, brand, executive, crisis, grassroots, and social media. In his career, he has been the MBA spokesperson on a wide variety of real estate research and advocacy-related issues, promoted MBA research and advocacy efforts to financial, political, and trade industry media and on MBA's social media channels, and secured media opportunities for MBA leadership on key real estate trends and issues, generated media coverage for MBA's research and data on mortgage applications, credit availability, homebuilder applications, mortgage forbearance/delinquencies, commercial real estate originations, and forecasts, and other industry analysis, developed key strategic initiatives for MBA's organizational public affairs plan, media relations and member communications support for mPower, MBA's Opens Doors Foundation and MBA's Diversity, Equity, and Inclusion program.

    2 min
  5. Weekly AI Update with Pavan Agarwal: The 3% AI Advantage: Why Most Mortgage Lenders Will Be Blindsided

    3 DAYS AGO

    Weekly AI Update with Pavan Agarwal: The 3% AI Advantage: Why Most Mortgage Lenders Will Be Blindsided

    While most mortgage lenders are experimenting with AI tools and chatbots, only a small percentage truly understand what it takes to build and deploy decision-grade artificial intelligence. In this episode, David Lykken sits down with Pavan Agarwal and Jennifer to unpack the difference between surface-level AI and industrial-strength decision intelligence. From disciplined engineering practices to proprietary rule engines and parallel loan processing, they reveal why most lenders attempting to “build their own AI” are underestimating the complexity—and why the 2–3% who go deep will gain an overwhelming competitive advantage. This is not about chatbots. It’s about execution, scale, and the future of mortgage manufacturing.

    24 min
  6. The Next Evolution of Total Expert "2.0" with Dan Catinella of Total Expert

    4 DAYS AGO

    The Next Evolution of Total Expert "2.0" with Dan Catinella of Total Expert

    In this episode, we sit down with Dan Catanella to unpack what the next evolution of Total Expert—“2.0”—really means for lenders and loan originators heading into 2026. This isn’t just an upgrade to a traditional CRM; it’s the transformation from a static database into a true Customer Operating System powered by real-time data intelligence and agentic AI. We explore how tools like CustomerIQ and AI Sales Assistant are enabling hyper-personalized, compliant outreach at scale—turning stale contact lists into living, breathing opportunities and automating the follow-up most originators never have time to do. If you want to understand how data, automation, and conversational AI are redefining prospecting, retention, recruiting, and ultimately production, this is a conversation you don’t want to miss.

    22 min
  7. Below 6%, AI Disruption, and Housing Reform: A Critical Moment for Mortgage Leaders

    5 DAYS AGO

    Below 6%, AI Disruption, and Housing Reform: A Critical Moment for Mortgage Leaders

    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 perspective with his signature musical parodies.Matt Graham of MBS Live, breaking down market activity and interest rate movements.David Kittle, CEO of The Mortgage Collaborative, sharing insights on mortgage originations and industry trends.Alice Alvey of Union Home Mortgage, delivering essential regulatory and legislative updates.Allen Pollack, with the Tech Report, spotlighting emerging technologies impacting mortgage operations.Bill Corbet, presenting Bill's Bullet Commentary with focused insights on loan servicing and capital markets.Marc Helm, offering Marc’s Rant, an unfiltered take on operational and agency-related developments. Together, this expert panel brings clarity, relevance, and a touch of personality to the ever-evolving mortgage landscape.

    39 min
  8. You Can’t Buy Better Processes: Fix Operations Before Adding Tech - Tech Update by Allen Pollack

    13 FEB

    You Can’t Buy Better Processes: Fix Operations Before Adding Tech - Tech Update by Allen Pollack

    This podcast segment discussed that before investing in new technology, lenders must eliminate vendor overlap, define measurable ROI, and fix internal operational gaps—because no software can compensate for broken processes. ----------------------------------------------------- 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 software development. In today’s financial services push to all things Digital, Allen has been helping lenders and financial services solution providers align their digital transformation and technology strategies by removing the human element of risk, and automating processes that drive efficiencies and margins into profits. Over the course of his career, Allen has co-created and developed technology business models that have birthed highly successful, innovative solutions and companies. Allen co-founded and served as CTO of New York Loan Exchange (NYLX), a loan product eligibility and pricing engine (PPE) that made an immediate impact on the industry, scaling the company quickly and forming partnerships with multiple mortgage and financial lending companies. In 2012, Allen was a co-founder of a merger between NYLX and Aklero Risk Analytics that created LoanLogics, A Mortgage Loan Quality and Performance Analytics company. Allen served as CTO where he continued to bring new and innovative product solutions to the market that made a significant impact to mortgage lenders that reduced risk, scaled business channels, and grew profits in a very competitive and highly regulated market. Allen is also is mortgage and finance technology contributor on a weekly live industry podcast, Lykken on Lending, and is launching a new podcast soon to be released, TechStack Radio, dedicated to technology and innovation in Financial Services.

    12 min
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Ratings & Reviews

5
out of 5
2 Ratings

About

Created by mortgage professionals for mortgage professionals, Lykken on Lending is a weekly 60-minute podcast hosted by mortgage veteran, David Lykken, and co-hosted by Marc Helm. Joining the program each week is Adam DeSanctis with his weekly MBA Mortgage Minute, Les Parker with his Macro Market Update, Matt Graham with a weekly Market Update, David Kittle with Originations Update, Alice Alvey providing a Legislative Update, Allen Pollack with his weekly Tech Update. The weekly updates are followed by the Hot Topic segment, which is an in-depth discussion about one of the hottest topics related to the mortgage industry. The program can be heard live each Monday at noon central or downloaded as a podcast. Each week thousands of industry professionals have found this to be an effective way to stay up on all that is happening in the mortgage industry. This broadcast is provided to the mortgage industry as a public service compliment of Transformational Mortgage Solutions. We invite you to join us to listen and learn.

Information

  • Creator
    David Lykken
  • Years Active
    2009 - 2026
  • Episodes
    1.7K
  • Rating
    Clean
  • Copyright
    © Copyright David Lykken 2023
  • Show Website
    Lykken on Lending

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