PODCAST · business
Lykken on Lending
by David Lykken
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 th
Episodes
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Mortgage Rates Defy Inflation as AI Reshapes Lending: Risks, Regulations, and Opportunities
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...
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The 2027 Mortgage Reality: 7% Rates, Credit Score Changes, and the Fight for Profitability - 10/13/2026 Weekly Mortgage Update Commentary
The 2027 Mortgage Reality: 7% Rates, Credit Score Changes, and the Fight for Profitability As the mortgage industry prepares for another challenging year, lenders are facing a new reality of persistent interest rates, evolving credit scoring requirements, and increasing pressure on profitability....
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Is the Fed on The Road to "Shambala?" - Macro Market Update by Les Parker
10-13-2026 Is the Fed on The Road to "Shambala?" ------------------------- Wash away Bonds’ troubles. Wash away price pain, with the reign of Grow-a-lot. The economy is rolling along a bumpy road of inflation. So, the Fed tightens and placate the Bond vigilantes. However, nervous nellies on the...
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FHA Expands Credit Scoring Options: VantageScore 4.0 and FICO 10T Take Effect in 2027 - MBA Mortgage Minute by Adam DeSanctis
Adam DeSanctis discusses FHA's adoption of VantageScore 4.0 and FICO 10T beginning January 1, 2027, highlighting expanded mortgage credit access, new lender implementation requirements, and MBA's ongoing efforts to support a smooth transition....
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The Hidden Cost of Mortgage Denials: How AI Could Unlock $75 Billion in Economic Growth
What if the mortgage industry's biggest missed opportunity isn't a lack of qualified borrowers, but the way loan applications are evaluated? In this week's Weekly AI Update, David Lykken welcomes Pavan Agarwal, founder and CEO of Angel AI, to explore new research suggesting that artificial...
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Google Business Profile: The First Search Battle Every Loan Officer Has to Win in 2026 with Bobby Kerr of Loc8 My Business
In today's competitive mortgage market, being an experienced loan officer isn't enough if potential borrowers can't find you online. In this episode of Lykken on Lending's Hot Topics, host David Lykken welcomes Bobby Kerr, founder of LOC8 My Business, to explore why your Google Business Profile…
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Mortgage Rates, Credit Score Changes, and the Road to Profitability in 2027
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...
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The Bond Vigilantes Are in Charge: Why Mortgage Rates Won't Budge - 10/06/2026 Weekly Mortgage Update Commentary
Mortgage rates continue to defy expectations, leaving lenders and borrowers wondering when relief might finally arrive. In this week's Lykken on Lending market commentary, Bill Corbett joins Alice Alvey to explain why traditional economic indicators are no longer producing predictable results in...
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Beyond the AI Hype: What Mortgage Lenders Should Really Ask Technology Vendors - Tech Update by Allen Pollack
Allen Pollack challenges mortgage lenders to look beyond impressive AI demonstrations and evaluate real-world integration, exception handling, human oversight, and vendor accountability while exploring emerging technologies that improve borrower communication and retention....
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Mortgage Lending's New Risks: Home Equity Investments, Appraisal Changes & Credit Scoring - Legislative Update by Alice Alvey
lice Alvey, Marc Helm, and Bill Corbett examine the UAD 3.6 appraisal deadline extension, consumer protection concerns surrounding home equity investments, and how evolving credit scoring requirements could increase mortgage applications without generating additional closings....
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"Take Me Out to The Ball Game" But Don't Strike Out! - Macro Market Update by Les Parker
10-06-2026 "Take Me Out to The Ball Game" But Don't Strike Out! ----------------------------- Take stats out of the Jobs game. Take them out of the Bonds. Friday delivered the miss Bond bulls had been waiting for: 29K jobs, unemployment of 4.2%, and struggling wages. Sadly, loan officers caught…
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No Sugarcoating: The Hard Truth About Today’s Mortgage Industry with Rich Swerbinsky of Onward & Upward Consulting
The mortgage industry is navigating one of its most challenging periods in recent memory, with stubbornly high mortgage rates, affordability pressures, continued consolidation, regulatory uncertainty, and an increasingly fierce battle for production talent reshaping the competitive landscape. In...
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The Old Rules Don’t Apply: Mortgage Rates, Bond Vigilantes & a Changing Market
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...
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Higher Rates, New Opportunities: The Mortgage Playbook Is Changing - 09/29/2026 Weekly Mortgage Update Commentary
Higher interest rates are putting renewed pressure on borrowers and mortgage companies, but they are also creating opportunities for lenders willing to rethink their playbook. In this week’s discussion, David Lykken and the team examine the forces keeping rates elevated and what mortgage...
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Beyond the AI Hype: What Mortgage Technology Is Really Delivering - Tech Update by Allen Pollack
From AI-assisted pricing configuration and automated underwriting to voice-powered broker tools and insurance-backed AI protection, mortgage technology is advancing rapidly—but lenders still need to prove that innovation translates into meaningful ROI and a better borrower experience....
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The Great Rate Repricing: Why Mortgage Rates Are Surging Again - Market Update by Matt Graham
Despite a Fed rate hike and signals that additional tightening may be ahead, mortgage rates and longer-term Treasury yields showed surprising resilience as markets weighed inflation, oil prices, and the Fed’s commitment to price stability.…
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Even Modelers Will Make “A Mistake” - Macro Market Update by Les Parker
09-29-2026 Even Modelers Will Make “A Mistake” ——————— They’re gonna make a mistake They’re gonna do it on purpose Does it waste our time? We all make mistakes. Modelers intentionally make mistakes to test scenarios and reveal truths not shown in official government statistics. Alternative data…
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FHA Modernization: Updating Property Standards and Streamlining Servicing - MBA Mortgage Minute by Adam DeSanctis
FHA is moving forward with its first comprehensive minimum property requirements update in 20 years, while MBA supports reforms aimed at modernizing standards and simplifying the partial claim process for mortgage servicers. ------------------------------------------------------------- Adam...
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Weekly AI Update: Beyond AI: Are Human Brain Cells the Future of Computing?
Artificial intelligence may no longer be the most provocative frontier in computing. In this episode of the Weekly AI Update, David Lykken and Pavan Agarwal explore the emerging field of biocomputing, where researchers are integrating living human neurons with electronic systems to perform...
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Rates Are Rising Again: How Mortgage Lenders Can Adapt and Compete
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...
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Rates, Oil & Credit Scores: What’s Really Driving the Mortgage Market? - 09/22/2026 Weekly Mortgage Update Commentary
What will it actually take to bring mortgage rates meaningfully lower? In this week’s discussion, we look beyond the latest Fed decision to examine the broader forces influencing the market, from government spending and geopolitical uncertainty to oil and diesel supply pressures, inflation, and…
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Opening the Credit Black Box: What GSE Transparency Could Mean for Mortgage Pricing - Legislative Update by Alive Alvey
A push for greater GSE credit-data transparency raises questions about whether investors could eventually evaluate mortgage risk beyond traditional FICO and VantageScore models, potentially affecting pricing, securitization, and the secondary market....
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Is the Fed on The Road to "Shambala?" - Macro Market Update by Les Parker
09-22-2026 Is the Fed on The Road to "Shambala?" ------------------------- Wash away Bonds’ troubles. Wash away price pain, with the reign of Grow-a-lot. The economy is rolling along a bumpy road of inflation. So, the Fed tightens and placate the Bond vigilantes. However, nervous nellies on the...
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Fed Rate Hike, FHA & CFPB Nominations, and New AI Oversight - MBA Mortgage Minute by Adam DeSanctis
A busy week in Washington brings a Fed rate hike, key FHA and CFPB nominations, and a new AI supervisory framework aligned with MISMO’s approach to responsible AI governance. ------------------------------------------------------------- Adam DeSanctis, VP of Communications at Mortgage Bankers...
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You Have a Story Worth Telling: Why Every Leader Should Write a Book with Matt Harms of Pen For Hire NYC
Everyone has a story—but too many leaders assume theirs isn’t worth telling. In this Hot Topic, David Lykken sits down with Matt Harms, founder of Pen for Hire NYC, to explore why writing a book can be one of the most powerful ways to share your experience, establish yourself as a thought leader,...
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Mortgage Rates, Fed Moves & Credit Score Disruption: What Lenders Need to Watch
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...
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Beyond the Rate: How Mortgage Pros Win When the 10-Year Hits 5% - 09/15/2026 Weekly Mortgage Update Commentary
With the 10-year Treasury testing the psychologically significant 5% level, mortgage professionals are confronting a rate environment many originators have never experienced—but higher rates don't mean the opportunities disappear. In this discussion, David Lykken and the Lykken on Lending team...
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VantageScore Has a Price: What Lenders Need to Know - Legislative Update by Alice Alvey
Alice Alvey examines the new VantageScore 4.0 pricing framework, its differences from Classic FICO, the technology challenges facing lenders, and concerns that multiple scoring options could encourage borrowers to shop multiple applications....
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Mortgage Rates Surge as Oil, Inflation & the Fed Rattle Markets - Market Update by Matt Graham
Matt Graham explains how surging oil prices, inflation data, Treasury buybacks, and shifting Fed expectations drove mortgage rates sharply higher while setting the stage for another potentially volatile week. ----------------------------------------------------- Matt began as an originator in…
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End the Tri-Merge? MBA Pushes for Credit Reporting Reform - MBA Mortgage Minute by Adam DeSanctis
MBA is calling on mortgage professionals to support the #EndTriMerge campaign as FHFA considers major changes to credit reporting, including greater competition, single-file reporting, and newer credit-scoring models. ------------------------------------------------------------- Adam DeSanctis…
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Weekly AI Update: AI Hype vs. Reality: What Mortgage Leaders Need to Know About Agentic AI
Artificial intelligence is generating no shortage of dramatic headlines, but how much of the fear is justified—and where do the real risks actually lie? In this week’s Weekly AI Update, me and Pavan Agarwal cut through the noise surrounding AI and examine what mortgage leaders should truly be...
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Beyond the Agency Box: Why Non-QM Could Define the Next Decade of Mortgage Lending with Bill Dallas of Dallas Capital
The mortgage industry is entering a period where relying on the traditional agency model alone may no longer be enough. In this Hot Topic, David Lykken sits down with mortgage industry veteran Bill Dallas to explore why Non-QM and non-agency lending could become some of the industry's biggest...
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Mortgage Rates Break Higher: Why Strategy, Leadership & Mindset Matter Now
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...
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The 2009 Endangerment Finding..."It's Over" - Macro Market Update by Les Parker
09-08-2026 The 2009 Endangerment Finding..."It's Over" ------------------- 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...
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Credit Reporting Reboot: FHFA Eyes Single-File Reports and VantageScore 4.0 - MBA Mortgage Minute by Adam DeSanctis
FHFA is advancing major changes to mortgage credit reporting, including full availability of VantageScore 4.0 and potential alternatives to the traditional tri-merge requirement aimed at increasing competition and lowering borrower costs....
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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…
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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…
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Higher Rates, Stronger Resolve: How Mortgage Lenders Are Adapting - 09/01/2026 Weekly Mortgage Update Commentary
Mortgage rates may be sitting at their highest levels in more than a year, but the mortgage industry isn’t standing still. In this week’s commentary, David Lykken and the team examine why lender confidence and industry engagement remain surprisingly strong despite a challenging rate environment,...
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AI Agents Are Here: Is the Mortgage Industry Ready? - Tech Update by Allen Pollack
AI agents are rapidly becoming everyday business tools, but mortgage companies must balance automation and innovation with cybersecurity, compliance, data protection, and better AI education. ----------------------------------------------------- Allen Pollack, Tech Consultant Allen Pollack, a...
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FHA Delinquencies: Separating the Headlines From the Real Risk - Legislative Update by Alice Alvey
Alice Alvey examines the data behind recent FHA delinquency headlines and explains why Neighborhood Watch statistics, lender compare ratios, and FHA’s overall financial position tell a more nuanced story. ------------------------------------------------------------------ Alice Alvey, Master CMB...
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Warsh Talks Tough: Mortgage Rates Hit Their Highest Levels in Over a Year - Market Update by Matt Graham
Fed Chair Kevin Warsh’s Jackson Hole inflation message shifted rate-hike expectations higher, pushing bond yields and mortgage rates toward their highest levels in more than a year. ----------------------------------------------------- Matt began as an originator in 2002. He fell in love with the...
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"25 Minutes to Go" For Everything to Change - Macro Market Update by Les Parker
09-01-2026 "25 Minutes to Go" For Everything to Change ------------------ And the markets’ waitin’ just to hear Warsh yell, he’s got 24 minutes to go In Jackson Hole, Warsh talked about old ways and new ways. He explained why they will be better than the old ways at meeting the Fed’s dual…
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MBA Advocacy Delivers a Major Fair Lending Win in California - MBA Mortgage Minute by Adam DeSanctis
MBA and the California MBA helped reshape AB 801, replacing proposed CRA-style mandates with a more practical fair lending examination framework for mortgage lenders. ------------------------------------------------------------- Adam DeSanctis, VP of Communications at Mortgage Bankers Association...
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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...
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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...
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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…
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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...
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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...
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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…
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The Bond Market Is On "Fire" - Macro Market Update by Les Parker
08-25-2026 The Bond Market Is On "Fire" ------------------ Fire (ouch): The way news walks and talks really sets Bonds off to a four-alarm. The FT and the WSJ declare the Bond market a FOUR-alarm fire, but if equities reverse, it will be a five-alarm. With all this heat from raging bears, why…
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ABOUT THIS 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 th
HOSTED BY
David Lykken
CATEGORIES
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Frequently Asked Questions
How many episodes does Lykken on Lending have?
Lykken on Lending currently has 1000 episodes available on PodParley. New episodes are automatically indexed when they're published to the podcast feed.
What is Lykken on Lending 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...
How often does Lykken on Lending release new episodes?
Lykken on Lending releases new episodes frequently with a large back catalog of 1000 episodes. Check the episode list for recent publication dates.
Where can I listen to Lykken on Lending?
You can listen to Lykken on Lending on PodParley by clicking any episode. We provide an embedded audio player for direct listening, and you can also subscribe via your preferred podcast app using the RSS feed.
Who hosts Lykken on Lending?
Lykken on Lending is created and hosted by David Lykken.
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