Lykken on Lending cover art

All Episodes

Lykken on Lending — 170 episodes

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Title
1

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

2

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

3

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

4

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

5

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

6

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

7

The Bond Market Is On "Fire" - Macro Market Update by Les Parker

8

Breaking Barriers: Expanding Affordable Housing Through Manufactured Home Innovation - MBA Mortgage Minute by Adam DeSanctis

9

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

10

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

11

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

12

Appraisal Modernization Is Coming: Are Lenders and Appraisers Ready? - 08/18/2026 Weekly Mortgage Update commentary

13

Shadow AI Is Here: Can Mortgage Lenders Govern What They Can’t See? - Tech Update by Allen Pollack

14

"Hello Goodbye" Say Bulls - Macro Market Update by Les Parker

15

MBA Pushes for TILA, RESPA & TRID Reform to Reduce Mortgage Compliance Burdens - MBA Mortgage Minute by Adam DeSanctis

16

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

17

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

18

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

19

AI Is Rewriting the Mortgage Tech Stack: From SaaS and CRM to Agentic AI - Tech Update by Allen Pollack

20

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

21

Is It Time to End the Three-Day Right of Rescission? - Legislative Update by Alice Alvey

22

"Little Red Riding Hood" and The Warsh Wolf - Macro Market Update by Les Parker

23

MBA Warns FTC: AI Rules Could Create a Compliance Double Bind - MBA Mortgage Minute by Adam DeSanctis

24

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

25

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

26

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

27

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

28

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

29

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

30

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

31

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

32

Why Mortgage Rates Rose After the Fed Held Steady - Market Update by Matt Graham

33

The Fed Takes a "Magical Mystery Tour" - Macro Market Update by Les Parker

34

FHA Removes a Key Barrier to Financing Existing Homes - MBA Mortgage Minute by Adam DeSanctis

35

Weekly AI Update: The AI Gold Rush: Why Most Companies Are Digging in the Wrong Place

36

TRUE Releases Industry Guide to Help Mortgage Lenders Prepare for Fannie Mae AI Governance Requirements

37

The Market Just Challenged the Fed: What It Means for Mortgage Rates

38

Stop Waiting for Lower Rates: How Mortgage Lenders Can Win in Today’s Market - 07/28/2026 Weekly Mortgage Update Commentary

39

Shadow AI in Mortgage Lending: Innovate Now or Wait for the Rules? - Tech Update by Allen Pollack

40

Is It Time to Retire the Three-Day Right of Rescission? - Legislative Update by Alice Alvey

41

Mortgage Rates Hit a One-Year High as Oil and Fed Uncertainty Drive Volatility - Market Update by Matt Graham

42

"Song Sung Blue" But Not for Bonds - Macro Market Update by Les Parker

43

MBA Urges FHFA to Modernize Duty to Serve Without Disrupting Affordable Housing - MBA Mortgage Minute by Adam DeSanctis

44

Weekly AI Update - Why Most AI Strategies Fail—and What Real AI Looks Like

45

Fire the Loan Officer, Hire the Mortgage Operator with Dustin Owen of The Loan Officer Podcast

46

Mortgage Markets Under Pressure: Winning Business While Rates Stay Higher

47

The Eye of the Storm: Why Mortgage Leaders Must Prepare for a Higher-Rate Future - 07/21/2026 Weekly Mortgage Update commentary

48

AI Governance Is the New Competitive Advantage in Mortgage Lending - Tech Update by Allen Pollack

49

FHFA Rule Changes and TRID Reform: Why Mortgage Lenders Should Speak Up Now - Legislative Update by Alice Alvey

50

Cooling Inflation Calms Rates Despite Middle East Tensions - Market Update by Matt Graham

51

"Does Anybody Really Know What Time It Is?" Bonds Don't Care - Macro Market Update by Les Parker

52

FHFA Shifts to Objective Risk: What the Proposed Counterparty Rule Means for Mortgage Lenders - MBA Mortgage Minute by Adam DeSanctis

53

The AI Blueprint: How MISMO Is Shaping the Future of Mortgage Lending of Brian Vieaux of MISMO

54

Mortgage Markets at a Crossroads: Inflation Cools, AI Evolves, and the New Normal Takes Shape

55

AI Innovation Comes with New Risks for Mortgage Lenders - Tech Update by Allen Pollack

56

Stop Waiting for Lower Rates—Build Business Now - Legislative Update by Alice Alvey

57

When Oil Moves, Mortgage Rates Listen - Market Update by Matt Graham

58

Bonds Watch "Radar Love" - Macro Market Update by Les Parker

59

CFPB Opens the Door to Mortgage Reform - MBA Mortgage Minute by Adam DeSanctis

60

Weekly AI Update - Why 88% of AI Strategies Fail — And What the Winning 12% Do Differently

61

Beyond the Headlines: James Kleimann on Truth, Trust, and the Future of Mortgage Journalism

62

The New Rules of Mortgage Lending: CFPB Reform, AI Risks & Market Reality

63

AI Is Rewriting Mortgage Lending Faster Than Anyone Expected - Tech Update by Allen Pollack

64

Peace Talks Lift Markets as Mortgage Rates Show Signs of Relief - Market Update by Matt Graham

65

“A Mistake” The Apple of a Modeler's Eye - Macro Market Update by Les Parker

66

MBA Sets the Ground Rules for AI in Mortgage Lending - MBA Mortgage Minute by Adam DeSanctis

67

A Simple FHA Fix That Could Transform Home Affordability - 07/07/2026 Weekly Mortgage Update commentary

68

AI's Biggest Risk Isn't the Technology—It's How We Use It - Tech Update by Allen Pollack

69

Regulatory Independence at a Crossroads: What the Supreme Court's Decision Means for Mortgage Lending - Legislative Update by Alice Alvey

70

When Market Mechanics Move Mortgage Rates - Market Update by Matt Graham

71

Spinning in "Circles" - Macro Market Update by Les Parker

72

A New Era for Mortgage Credit Scoring Begins - MBA Mortgage Minute by Adam DeSanctis

73

Strong Economy, Stubborn Rates: What Mortgage Leaders Should Watch Next - 06/09/2026 Weekly Mortgage Update commentary

74

AI Is Your Co-Pilot, Not Your Replacement - Tech Update by Allen Pollack

75

Helping Veterans Stay Home: Why Borrowers Should Call Their Servicer First - Legislative Update by Alice Alvey

76

Is Elon Musk The "Starman" - Macro Market Update by Les Parker

77

New VA Relief Tools: A Stronger Safety Net for Veteran Homeowners - MBA Mortgage Minute by Adam DeSanctis

78

Don't Let Market Volatility Derail Your Mortgage Business - 06/02/2026 Weekly Mortgage Update commentary

79

AI Is No Longer Coming—It's Already Transforming Mortgage Lending - Tech Update by Allen Pollack

80

Purchase Demand Is Holding Strong—But Affordability Pressures Are Rising - Origination Update by David Kittle

81

FHA Reform Is Here—Now It's Time for the Industry to Speak Up - Legislative Update by Alice Alvey

82

Markets Held Hostage by Iran Peace Deal Headlines - Market Update by Matt Graham

83

The "Mad World" of Oil - Macro Market Update by Les Parker

84

FHA's Property Standards Are Finally Getting a Fresh Look - MBA Mortgage Minute by Adam DeSanctis

85

Protecting Your Brand in the Era of AI with John Seroka of Seroka Marketing & PR

86

Running in Circles? AI, Credit Scores, and the Mortgage Market's Next Move

87

AI Governance or AI Chaos? The Hidden Risks Lenders Can't Ignore - 06/30/2026 Weekly Mortgage Update commentary

88

AI Governance or AI Chaos? The Hidden Risks Lenders Can't Ignore - Legislative Update by Alice Alvey

89

"Changes" on Tap for Oil, Bonds, and the Fed - Macro Market Update by Les Parker

90

What Really Drove Mortgage Rates Lower Last Week? - Market Update by Matt Graham

91

FHA's Biggest Streamlining Push in Years: What Lenders Need to Know - MBA Mortgage Minute by Adam DeSanctis

92

Weekly AI Update: The Next Frontier of AI: Eliminating Uncertainty in Mortgage Decision Intelligence

93

Bitcoin Beyond the Hype: What Every Mortgage Professional Needs to Know with Manny Alicandro of The Alicandro Law Firm

94

The Mortgage Market Is Changing: Will Your Strategy Keep Up?

95

A New Fed, A New Playbook: Preparing for the Next Era of Mortgage Markets - 06/23/2026 Weekly Mortgage Update commentary

96

The Future of Credit Scoring: Can Mortgage Lenders Afford the Change? - Legislative Update by Alice Alvey

97

From Rate Cuts to Rate Hikes: How the Fed's New Direction Shook Mortgage Markets - Market Update by Matt Graham

98

Stagflation Needs a "Wonderwall" - Macro Market Update by Les Parker

99

Basel III Moves Forward: What the Latest Proposal Means for Mortgage Lenders - MBA Mortgage Minute by Adam DeSanctis

100

"War of Change" or Peace - Macro Market Update by Les Parker

101

Bipartisan Housing Victory: MBA Scores Major Legislative Win - MBA Mortgage Minute by Adam DeSanctis

102

Weekly AI Update: The Patent That Changes AI Forever: From Probabilistic to Warranted Intelligence

103

The Future of Housing Finance: What the Data Reveals About Homeownership, Affordability, and Mortgage Reform

104

The New Fed Era: Volatility, Inflation, and the Future of Mortgage Lending

105

AI Innovation Meets Data Risk: The Mortgage Industry’s Shadow IT Challenge - Tech Update by Allen Pollack

106

Housing Reform Faces Hurdles: Why Lenders Are Fighting New Counseling and Compliance Mandates - Legislative Update by Alice Alvey

107

Mortgage Rates Under Pressure: Inflation, Oil Prices, and the Iran War - Market Update by Matt Graham

108

"Time Is Running Out" For The Bear Trend - Macro Market Update by Les Parker

109

The Chrisman Legacy: Three Generations of Leadership, Consistency, and Service in Mortgage Banking

110

MBA Pushes Housing Reform Forward as Congress Revises Key Mortgage Bill - MBA Mortrgage Minute by Adam DeSanctis

111

AI, Interest Rates, and Industry Transformation: Mortgage Lending at a Turning Point

112

Weekly AI Update: The Difference Between AI Theater and Real Mortgage Intelligence

113

Putting Shoes on Kids’ Feet: The Heart Behind High-Performance Mortgage Lending with Molly Dean of LeaderOne Financial

114

Mortgage Markets at a Crossroads: Strong Jobs, Higher Rate Risks, and Industry Optimism

115

Your Haters Will Build Your Brand: Why Authenticity Wins in the AI Era with Shanda Sumpter of Heartcore Business

116

Mortgage Markets, AI Disruption, and FHA Reform: Navigating Uncertainty and Opportunity

117

Who’s Liable When AI Gets Mortgage Underwriting Wrong? with Arthur Prieston and David Kittle

118

The Mortgage Industry’s AI Inflection Point

119

The Imperfect CEO: Why Vulnerability Builds Stronger Organizations with Jim Brown of OrgHealth

120

Weekly AI Update: The $5 Refi That Cost a Veteran $37,000 with Pavan Agarwal

121

From Co-Op to Competitive Edge: Rick Seehausen’s Vision for the Future of Mortgage Lending

122

Mortgage Markets, AI Disruption, and the Battle Over Borrower Ownership

123

Mortgage Markets on Edge: War, Oil Prices and the Fight Over Inflation - 5/12/2026 Weekly Mortgage Update commentary

124

Credit Score Chaos: Industry Frustration Builds Over FHFA Rollout - Legislative Update by Alice Alvey

125

The Longevity Economy: Reverse Mortgages, Retirement Planning & the New Down Payment Advantage with Michael Banner

126

Mortgage Rates React to Iran Peace Talks and Falling Oil Prices - Market Update by Matt Graham

127

"War of Change" or Peace - Macro Market Update by Les Parker

128

MBA Sounds the Alarm: Why Mortgage Professionals Must Act Now - MBA Mortgage Minute by Adam DeSanctis

129

Weekly AI Update: Self-Driving Mortgages - The AI Revolution Reshaping Banking with Pavan Agarwal

130

AI Agents, Smarter Mortgage Marketing, and the End of Data Silos with Garrett Locklear of Candid

131

Will Rates Finally Drop? War Headlines, Inflation Pressure & the Mortgage Market Reset

132

Mortgage Markets on Edge: Rates, War, and Industry Optimism Collide - 5/5/2026 Weekly Mortgage Update commentary

133

AI as Your Second Brain: The Power and Risk of Machine Intelligence - Marc's Rant by Marc Helm

134

AI, Automation, and Mortgage Innovation: What Lenders Need to Get Right - Tech Update by Allen Pollack

135

Episode 3: What happens to Loan Officers when busy work disappears

136

Oil, War, and Treasury Yields: What’s Driving Mortgage Rates Higher - Market Update by Matt Graham

137

Running in "Circles" - Macro Market Update by Les Parker

138

Basel III and Mortgage Lending: What’s at Stake for Borrowers and Banks - MBA Mortgage Minute by Adam DeSanctis

139

Policy Chaos, AI Disruption, and the Mortgage Market Reset with Tim Rood of Impact Capitol

140

Mortgage Markets in Turmoil: War, Oil, and the Fight Against Rising Rates

141

Rates, War, and the Fed: Navigating Uncertainty in a Changing Market - 04/28/2025 Weekly Mortgage Update Commentary

142

AI Overload: Mortgage Tech Innovation Outpaces Strategy - Tech Update by Allen Pollack

143

Credit Score Chaos: Industry Frustration Builds Over FHFA Rollout - Legislative Update by Alive Alvey

144

Markets in Limbo: Bonds and Rates Wait on Iran War Clarity - Market Update by Matt Graham

145

Europe’s Growth "Headed For A Heartbreak" - Macro Market Update by Les Parker

146

Credit Scoring Overhaul: FHFA Pushes VantageScore & FICO 10T Into the Spotlight - MBA Mortgage Minute by Adam DeSanctis

147

Episode 2: When AI Becomes the Workflow: Rebuilding Mortgage from the Inside Out

148

Built to Last in Mortgage: The Culture, Discipline, and Debate Behind Alcova’s Success

149

Weekly Mortgage Market Update

150

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