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. 5h ago

    Weekly AI Update - Beyond AI: How Blockchain Could Reinvent the Mortgage Industry

    Artificial intelligence may be transforming mortgage lending, but according to Pavan Agarwal, AI is only half the story. In this week’s AI Update, David Lykken and Pavan explore how blockchain could become the other half of the industry’s transformation by bringing greater certainty, transparency, security, and speed to the mortgage process. From tokenized pre-approvals and on-chain records to borrower-controlled data, digital wallets, and the potential disruption of traditional LOS platforms and financial intermediaries, this conversation looks at what mortgage lending could become when AI and blockchain work together. The result may be a future where loan officers have greater control of their relationships and data, consumers have greater ownership of their financial information, and mortgage transactions move more efficiently from pre-approval to closing.

    Weekly AI Update - Beyond AI: How Blockchain Could Reinvent the Mortgage Industry

  2. 1d ago

    The Leadership Crisis: Why Healthy Organizations Win in Times of Disruption with Jim Brown of Org Health

    The mortgage industry is navigating one of the most demanding periods of transformation we’ve seen, with AI, consolidation, margin pressure, changing workforce expectations, and relentless technological disruption forcing leaders to rethink how they run their organizations. In this Hot Topic, David Lykken welcomes back Jim Brown, author of The Imperfect CEO and founder of Org Health, to explore why yesterday’s leadership practices may no longer be enough. They examine the four hidden organizational risks—scalability, execution, growth, and people—and why leaders often fail not because they don’t care, but because they are solving the wrong problem. From attracting and retaining the next generation of talent to using AI to elevate employees rather than simply eliminate positions, the conversation makes the case that organizational health is becoming one of the most important competitive advantages a company can build. The organizations that thrive through disruption won’t necessarily be those with the best technology or the lowest costs—they’ll be the ones that create cultures capable of adapting, executing, and bringing out the best in their people.

    The Leadership Crisis: Why Healthy Organizations Win in Times of Disruption with Jim Brown of Org Health

  3. Sep 2

    The AI-Powered Loan Officer: How to 10X Production Without 10Xing the Work with Garrett Locklear of Candid

    The mortgage industry is entering a new era—one shaped by artificial intelligence, vertical integration, consolidation, expanding non-QM opportunities, and rising expectations for a better borrower experience. In this episode of Lykken on Lending, David Lykken sits down with Coby Hakalir of T3 Sixty to explore what mortgage lending could look like over the next decade and why, despite rapid technological change, the human relationship will remain at the heart of the business. They discuss how AI can reduce the cost and complexity of originating loans, why lenders are increasingly looking beyond traditional mortgage revenue through real estate, title, insurance, and servicing, and how non-QM lending could become an increasingly important part of the market. From improving the customer journey to navigating the next wave of industry consolidation, this conversation examines the forces reshaping mortgage lending—and what lenders and loan officers should be preparing for now.

  4. Sep 1

    Mortgage Reality Check: Rising Rates, FHA Headlines & What Comes Next

    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 Reality Check: Rising Rates, FHA Headlines & What Comes Next

  5. Aug 28

    Rates, Risk & Recruiting: Navigating Mortgage Banking’s New Reality - 08/25/2026 Weekly Mortgage Update commentary

    The mortgage industry is facing a convergence of uncertainty—from persistent pressure on Treasury yields and mortgage rates to significant changes at Fannie Mae and an increasingly aggressive battle for mortgage talent. In this week’s commentary, we examine what these developments mean for lenders and originators, including why mortgage professionals shouldn’t allow daily market volatility to distract them from building their businesses. We also take a closer look at today’s recruiting environment, where large signing bonuses and attractive upfront offers can mask important questions about pricing, product availability, compensation, and long-term opportunity. The message for mortgage leaders and loan officers is simple: understand the risks, do your homework, look beyond the immediate incentives, and make decisions based on sustainable long-term success.

    Rates, Risk & Recruiting: Navigating Mortgage Banking’s New Reality - 08/25/2026 Weekly Mortgage Update commentary

  6. Aug 28

    AI Is Easy. Integration Is Hard: The New Reality of Mortgage Technology - Tech Update by Allen Pollack

    Generative and agentic AI are rapidly reshaping the mortgage technology stack, challenging traditional SaaS and CRM platforms while rewarding lenders that build flexible, AI-enabled operations. ----------------------------------------------------- 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 Is Easy. Integration Is Hard: The New Reality of Mortgage Technology - Tech Update by Allen Pollack

  7. Aug 28

    AI Underwriting Under Scrutiny: Colorado’s Push for Human Review - Legislative Update by Alice Alvey

    Colorado’s proposed AI rules could require disclosure and human review of automated mortgage decisions, signaling a new compliance challenge for lenders nationwide. ------------------------------------------------------------------ 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!

    AI Underwriting Under Scrutiny: Colorado’s Push for Human Review - Legislative Update by Alice Alvey

  8. Aug 28

    Oil, Treasuries & Mortgage Rates: What’s Really Moving the Bond Market - Market Update by Matt Graham

    Mortgage rates remain under pressure as oil prices, Treasury buyback activity, and elevated corporate bond issuance compete to drive bond yields, with PCE inflation and Jackson Hole providing the next potential market catalysts. ----------------------------------------------------- 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.

    Oil, Treasuries & Mortgage Rates: What’s Really Moving the Bond Market - Market Update by Matt Graham
See All (2K)

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 2023
  • Show Website
    Lykken on Lending

You Might Also Like