Lykken on Lending

David Lykken
  • 4.7 (21)
  • Management
  • 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. 14h ago

    The Death of Software? How AI Agents Are Rewriting the Mortgage Industry

    The mortgage industry may be approaching one of its biggest technological turning points as AI agents begin challenging the traditional software systems lenders have relied on for decades. In this Weekly AI Update, David Lykken and Pavan Agarwal examine why the rise of autonomous AI could fundamentally disrupt SaaS, legacy loan origination systems, CRMs, and other technology built around people manually entering, processing, and transforming information. Drawing on insights from the AI4 conference and recent discussions about the growing pressure on conventional software companies, they explore a future where mortgage professionals simply tell AI what they need accomplished and intelligent agents execute the work behind the scenes. The conversation also addresses AI trust and reliability, operational efficiency, workforce transformation, and why mortgage executives must treat AI adoption as a strategic leadership decision rather than another technology initiative. For lenders and originators, the message is increasingly clear: the competitive advantage may no longer come from having the best software stack, but from learning how to command AI to do the work.

    The Death of Software? How AI Agents Are Rewriting the Mortgage Industry

  2. 1d ago

    Rocket Science Meets Mortgage Banking: Lessons in Innovation Risk & AI with Granger Whitelaw of Faithstone Capital

    What can mortgage banking learn from IndyCar racing, private spaceflight, and some of the world’s most ambitious technology ventures? In this episode, David Lykken sits down with entrepreneur and investor Granger Whitelaw for a wide-ranging conversation about the mindset required to turn bold ideas into real-world innovation. From helping launch the Rocket Racing League and supporting breakthrough technologies to experiencing firsthand how even a great business idea can be derailed by bad timing, Whitelaw shares lessons on risk, resilience, leadership, and investing in people who truly understand their industries. The conversation ultimately lands squarely on mortgage banking, where AI and emerging technologies are creating opportunities to rethink the lending process from origination through closing. Rocket Science Meets Mortgage Banking: Lessons in Innovation, Risk & AI explores why the next era of mortgage innovation may belong to leaders willing to think bigger, move intelligently, stay humble, and challenge assumptions about what is possible.

    Rocket Science Meets Mortgage Banking: Lessons in Innovation Risk & AI with Granger Whitelaw of Faithstone Capital

  3. 2d ago

    Mortgage Markets in Transition: Rising Rates, UWM Fallout, and AI Disruption

    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.

    Mortgage Markets in Transition: Rising Rates, UWM Fallout, and AI Disruption

  4. 6d ago

    BREAKING: UWM’s $409M Hedging Loss Raises Big Questions

    A major financial development at United Wholesale Mortgage is sending ripples through the mortgage industry after UWM reported a staggering $409 million hedging loss, raising significant questions about the company’s capital markets strategy and the circumstances surrounding its proposed Two Harbors transaction. In this special breaking-news edition of Lykken on Lending, David Lykken is joined by Pavan Agarwal and David Pahwa to examine what is known, what remains unanswered, and what the situation could mean for UWM, Oaktree’s investment, and the competitive landscape of wholesale mortgage lending. The conversation also takes a broader look at the importance of disciplined hedging and risk management when hundreds of millions—or even billions—of dollars are at stake.

    BREAKING: UWM’s $409M Hedging Loss Raises Big Questions

  5. 6d ago

    The Bond Market Challenges the Fed: Why Mortgage Rates Could Stay Higher - 08/04/2026 Weekly Mortgage Update Commentary

    The bond market is sending a message to the Federal Reserve, and mortgage professionals should be paying attention. In this week’s mortgage commentary, the panel examines why uncertainty surrounding Fed policy and its commitment to controlling inflation is putting pressure on longer-term Treasury yields and mortgage rates. With geopolitical conflict continuing to influence oil prices, inflation expectations remaining critical, and global markets facing an unusually high degree of uncertainty, the path toward meaningfully lower mortgage rates remains complicated. The discussion explores why the bond market may increasingly be calling the shots, what it could take to restore confidence in the inflation outlook, and why lenders need to remain alert and adaptable as volatility creates both risk and opportunity.

  6. 6d ago

    The AI Strategy Mortgage Lenders Need: Flexibility Over a Single Platform - Tech Update by Allen Pollack

    This podcast segment explores why mortgage lenders should embrace AI innovation now while establishing strong governance to manage Shadow AI, protect borrower data, and navigate an evolving regulatory landscape. ----------------------------------------------------- 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.

    The AI Strategy Mortgage Lenders Need: Flexibility Over a Single Platform - Tech Update by Allen Pollack

  7. 6d ago

    Higher Mortgage Rates, Resilient Pipelines: Why Buyers Are Still Moving - Originations Update by David Kittle

    This podcast segment explores why purchase mortgage demand remains resilient despite elevated interest rates, while rising homeowner's insurance costs and property taxes create new affordability challenges for borrowers. ----------------------------------------- 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 Chairman of The Mortgage Collaborative (TMC), a mortgage lending cooperative providing members with access to resources and tools to improve their business operations. Kittle began his mortgage banking career with American Fletcher Mortgage Company as a top-producing loan officer in 1978 moving to the management side in 1986 with Southmark Mortgage. He opened Associates Mortgage Group, the first of his three lending companies in 1994. Kittle served as MORPAC Chairman for MBA, from 2004-2006. He is past President of both the Louisville and Kentucky Mortgage Bankers Associations, as well as leading the industry through its most tumultuous period as Chairman of the Mortgage Bankers Association, Washington DC in 2009. Kittle has testified before congress 14 times. Kittle has been a driving force behind the growth and success of TMC, working to bring together mortgage lenders from across the country to share best practices and collaborate on key industry issues. Kittle has also been a vocal advocate for innovation and technology adoption in the mortgage industry, urging lenders to embrace new tools and strategies to improve their operations and better serve their customers. Kittle is a frequent speaker at industry events and conferences, sharing his expertise on a variety of topics related to mortgage lending. He resides in Louisville, Kentucky, he has four children and two grandchildren.

    Higher Mortgage Rates, Resilient Pipelines: Why Buyers Are Still Moving - Originations Update by David Kittle

  8. 6d ago

    CFPB Could Rewrite the Rules on Mortgage Refinance Disclosures - Legislative Update by Alice Alvey

    This podcast segment examines the CFPB’s potential overhaul of mortgage refinance disclosures, including proposals to eliminate the three-day post-closing rescission waiting period, standardize waiver forms, and reduce unnecessary delays for borrowers and lenders. ------------------------------------------------------------------ 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!

    CFPB Could Rewrite the Rules on Mortgage Refinance Disclosures - Legislative Update by Alice Alvey
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4.7
out of 5
21 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
    1.9K
  • Rating
    Clean
  • Copyright
    © Copyright David Lykken 2023
  • Show Website
    Lykken on Lending

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