Lykken on Lending

Hosted by David Lykken

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Episodes

1946

Latest episode

Sep 2026

Language

EN-US

About the show

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.

Listen to episodes

60 recent

September 1, 202643 min

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.

August 27, 202626 min

Weekly AI Update: The AI Agent Revolution: Your Personal AI Workforce Has Arrived

AI is quickly moving beyond chatbots and simple assistants into something far more powerful: a personal workforce of intelligent agents capable of helping professionals get more done with less friction. In this week’s Weekly AI Update, David Lykken is joined by Pavan Agarwal and Jennifer Vallinayagam to explore how AI agents can help mortgage professionals organize their day, conduct research, prepare for meetings, create content, prospect and nurture leads, and make better use of their time. They also examine the broader economic opportunity created when small businesses combine greater access to capital with AI-powered productivity. With agents becoming easier and less expensive to deploy, the conversation is shifting from “How do I use AI?” to “What can I delegate to AI?”—and that could create a significant competitive divide between businesses that embrace an AI workforce and those that don’t.

August 26, 202629 min

The Mortgage Industry’s Next Chapter: AI, Integration & Consolidation with Coby Hakalir of T3 Sixty

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.

August 25, 202647 min

Mortgage Banking Under Pressure: Rates, Regulation, AI & the Recruiting Wars

August 19, 202631 min

The Housing Market’s Hidden Demand: Shadow Homeowners, the Silver Glacier & What Comes Next with Odeta Kushi of First American

The housing market may feel stuck, but beneath the surface, powerful demographic and economic forces are setting the stage for its next chapter. In this Hot Topic, David Lykken sits down with Odeta Kushi, Deputy Chief Economist at First American Financial Corporation , to unpack what the data is really telling us about housing affordability, inventory, mortgage rates, and regional market differences. Odeta explains why the U.S. still faces a long-term housing shortage despite rising inventory in markets like Texas and Florida, how a “silver glacier” of aging Baby Boomers could gradually reshape housing supply, and why a growing population of “shadow homeowners”—younger adults with the jobs and incomes to buy but who have yet to leave the family home—could represent significant pent-up demand. For mortgage leaders trying to determine where opportunity will emerge next, this conversation offers a data-driven look beyond the headlines at the forces that could shape housing and mortgage demand for years to come.

August 18, 202640 min

Mortgage Markets Meet AI: Rates, Risk, and the Rise of Shadow AI

August 14, 202619 min

UWM Fallout: What It Could Mean for Mortgage Brokers and Wholesale Lending - 08/11/2026 Weekly Mortgage Update Commentary

The challenges surrounding UWM could have implications that extend far beyond a single company, potentially reshaping the competitive dynamics of the wholesale mortgage market. In this segment of Lykken on Lending , the panel examines how UWM’s financial pressures, legal challenges, aggressive pricing strategy, and evolving leadership could affect mortgage brokers, competing wholesale lenders, and the broader industry. As competitors reconsider margins and brokers evaluate their dependence on wholesale partners for pricing, technology, and compliance support, the discussion raises an important question: could this moment trigger a broader shift in the broker-wholesale model? From pricing and profitability to technology and the potential resurgence of correspondent and retail strategies, the UWM fallout may ultimately become a catalyst for significant change across mortgage lending.

August 14, 202610 min

AI Is Rewriting the Mortgage Tech Stack: From SaaS and CRM to Agentic AI - 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.

August 14, 20264 min

Mortgage Rates Retreat, But Oil and Inflation Keep Markets on Edge - Market Update by Matt Graham

Mortgage rates moved lower as weaker employment data and easing Iran tensions supported bonds, but renewed oil volatility and upcoming inflation reports could quickly shift the market’s direction. ----------------------------------------------------- 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 MBS Live! 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.

August 14, 20265 min

Is It Time to End the Three-Day Right of Rescission? - 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!