Lykken on Lending

David Lykken
  • 4.7 (21)
  • Management
  • 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. 9h ago

    Election Shakeup, Mortgage Rate Surprises, and the AI Revolution: What’s Next for Lenders?

    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.

    Election Shakeup, Mortgage Rate Surprises, and the AI Revolution: What’s Next for Lenders?

  2. 4d ago

    Lower Mortgage Rates, Shrinking Margins: Are Lenders Planning for Survival or Panicking? - 11/03/2026 Weekly Mortgage Update Commentary

    Mortgage rates are finally showing signs of improvement, with the 10-year Treasury yield dipping below 4.90%, but is this welcome relief enough to save an industry struggling with shrinking margins and rising operating costs? In this week's Lykken on Lending Weekly Mortgage Update commentary, David Lykken is joined by industry veterans Bill Corbett, David Kittle, Alice Alvey, and Marc Helm for a candid discussion about the growing financial pressures facing independent mortgage bankers. From the dangers of sacrificing profitability to offer lower rates to the increasing number of lenders considering mergers and acquisitions out of desperation, the panel explores why strategic planning—not panic—must drive business decisions heading into 2027. They also examine seasonal staffing challenges, potential regulatory actions that could improve housing affordability, and troubling similarities between today's market conditions and previous mortgage industry downturns. With lenders exhausted from waiting for a meaningful recovery, one question stands out: Are mortgage companies positioning themselves for long-term success, or simply making desperate decisions to survive another quarter?

    Lower Mortgage Rates, Shrinking Margins: Are Lenders Planning for Survival or Panicking? - 11/03/2026 Weekly Mortgage Update Commentary

  3. 4d ago

    AI Won't Fix Mortgage Costs Alone: Rethinking LOS Technology, Automation & LO Compensation - Tech Update by Allen Pollack

    Allen Pollack explores why AI and automation alone cannot solve rising mortgage origination costs, examining agentic AI, LOS integration, loan officer compensation, and practical strategies lenders can use to improve efficiency and profitability. ----------------------------------------------------- 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.

    AI Won't Fix Mortgage Costs Alone: Rethinking LOS Technology, Automation & LO Compensation - Tech Update by Allen Pollack

  4. 4d ago

    Flood Insurance Changes & New TCPA Rules: What Mortgage Lenders Need to Know - Legislative Update by Alice Alvey

    Alice Alvey examines FEMA's proposed flood insurance changes and the FCC's updated TCPA opt-out requirements, highlighting their potential impact on mortgage affordability, regulatory compliance, and lender operations. ------------------------------------------------------------------ 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!

    Flood Insurance Changes & New TCPA Rules: What Mortgage Lenders Need to Know - Legislative Update by Alice Alvey

  5. 4d ago

    Mortgage Rates Hit Six-Week Lows as AI and Tech Sector Turmoil Fuels Bond Rally - Market Update by Matt Graham

    Matt Graham explains how AI-related financing concerns and technology sector volatility helped drive mortgage rates to their lowest levels in six weeks, while examining whether the bond market rally can continue. ----------------------------------------------------- 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 born MBS Live in 2007, the first-of-its-kind platform with real-time market data/analysis, and live chat with analysts, traders, and originators around the country. He is currently the Founder and CEO of MBSLive! He's been covering bond/mortgage markets, writing commentary, alerts, and chatting with the live community every business hour of every business day ever since. Matt also serves as the Chief of Operations for mortgagenewsdaily.com, where he is one of the industry's most respected mortgage rate experts, frequently quoted in the media. Mortgage News Daily's rate index is used as the definitive resource on day-to-day mortgage rate averages. He lives in the Pacific Northwest with his wife and son, where he enjoys skiing, fishing, coaching youth sports, playing the guitar, and more DIY projects/hobbies than he'd care to admit.

    Mortgage Rates Hit Six-Week Lows as AI and Tech Sector Turmoil Fuels Bond Rally - Market Update by Matt Graham

  6. 4d ago

    Red World "Paint It Black" - Macro Market Update by Les Parker

    11-03-2026 Red World, "Paint It Black"  ----------------- Bonds see a red stat, and they want it painted black. No colors from gurus, Bonds want them to turn black. With desperate lenders subsidizing mortgage rates, 7.25% can fall below 7%, when the 10-year yield closes below 4.90%. Consequently, the bull target becomes 4.75 in the 10-year yield. The declining chance of a Dec Fed tightening, tame tariffs, and moderating fuel costs will push long-term rates lower. A new bull trend will turn a red world into a black world in time for Black Friday. Bonds have to turn their head. Until their darkness goes. These views are mine.  Find out who’s painting black at TMSpotlight.com. ---------------------- Song: Paint It Black (1966) The Rolling Stones

    Red World "Paint It Black" - Macro Market Update by Les Parker

  7. 6d ago

    Your Referral Partners Are Under Siege: How Title Ownership Wins the Agent Relationship Back with Scott Oakley of TitleEase

    As consolidation reshapes the mortgage and real estate industries, independent lenders face a growing threat: losing their most valuable referral relationships to vertically integrated competitors. In this compelling episode of Lykken on Lending – Hot Topics, host David Lykken welcomes Scott Oakley, Executive Vice President of Sales at TitleEase, to discuss why title ownership may be one of the most overlooked opportunities in mortgage banking today. With major players like Rocket and Compass expanding their influence across the real estate transaction, lenders must rethink how they compete, strengthen agent relationships, and capture additional revenue. Scott explains how lenders can establish their own title companies, leverage outsourced operational support, and create a valuable business asset without building an entire title operation from scratch. From ancillary revenue and agent retention to enterprise valuation, this conversation challenges mortgage executives to think beyond the loan closing and reconsider who controls the customer relationship.

    Your Referral Partners Are Under Siege: How Title Ownership Wins the Agent Relationship Back with Scott Oakley of TitleEase

  8. Nov 3

    Mortgage Rates Fall, but Lenders Face a Bigger Challenge: Survival, Margins & AI

    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 Rates Fall, but Lenders Face a Bigger Challenge: Survival, Margins & AI
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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
    2K
  • Rating
    Clean
  • Copyright
    © Copyright David Lykken 2026
  • Show Website
    Lykken on Lending

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