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Lykken on Lending — 1,000 episodes · page 1 of 10

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Title
1

Mortgage Rates Defy Inflation as AI Reshapes Lending: Risks, Regulations, and Opportunities

2

The 2027 Mortgage Reality: 7% Rates, Credit Score Changes, and the Fight for Profitability - 10/13/2026 Weekly Mortgage Update Commentary

3

Is the Fed on The Road to "Shambala?" - Macro Market Update by Les Parker

4

FHA Expands Credit Scoring Options: VantageScore 4.0 and FICO 10T Take Effect in 2027 - MBA Mortgage Minute by Adam DeSanctis

5

The Hidden Cost of Mortgage Denials: How AI Could Unlock $75 Billion in Economic Growth

6

Google Business Profile: The First Search Battle Every Loan Officer Has to Win in 2026 with Bobby Kerr of Loc8 My Business

7

Mortgage Rates, Credit Score Changes, and the Road to Profitability in 2027

8

The Bond Vigilantes Are in Charge: Why Mortgage Rates Won't Budge - 10/06/2026 Weekly Mortgage Update Commentary

9

Beyond the AI Hype: What Mortgage Lenders Should Really Ask Technology Vendors - Tech Update by Allen Pollack

10

Mortgage Lending's New Risks: Home Equity Investments, Appraisal Changes & Credit Scoring - Legislative Update by Alice Alvey

11

"Take Me Out to The Ball Game" But Don't Strike Out! - Macro Market Update by Les Parker

12

No Sugarcoating: The Hard Truth About Today’s Mortgage Industry with Rich Swerbinsky of Onward & Upward Consulting

13

The Old Rules Don’t Apply: Mortgage Rates, Bond Vigilantes & a Changing Market

14

Higher Rates, New Opportunities: The Mortgage Playbook Is Changing - 09/29/2026 Weekly Mortgage Update Commentary

15

Beyond the AI Hype: What Mortgage Technology Is Really Delivering - Tech Update by Allen Pollack

16

The Great Rate Repricing: Why Mortgage Rates Are Surging Again - Market Update by Matt Graham

17

Even Modelers Will Make “A Mistake” - Macro Market Update by Les Parker

18

FHA Modernization: Updating Property Standards and Streamlining Servicing - MBA Mortgage Minute by Adam DeSanctis

19

Weekly AI Update: Beyond AI: Are Human Brain Cells the Future of Computing?

20

Rates Are Rising Again: How Mortgage Lenders Can Adapt and Compete

21

Rates, Oil & Credit Scores: What’s Really Driving the Mortgage Market? - 09/22/2026 Weekly Mortgage Update Commentary

22

Opening the Credit Black Box: What GSE Transparency Could Mean for Mortgage Pricing - Legislative Update by Alive Alvey

23

Is the Fed on The Road to "Shambala?" - Macro Market Update by Les Parker

24

Fed Rate Hike, FHA & CFPB Nominations, and New AI Oversight - MBA Mortgage Minute by Adam DeSanctis

25

You Have a Story Worth Telling: Why Every Leader Should Write a Book with Matt Harms of Pen For Hire NYC

26

Mortgage Rates, Fed Moves & Credit Score Disruption: What Lenders Need to Watch

27

Beyond the Rate: How Mortgage Pros Win When the 10-Year Hits 5% - 09/15/2026 Weekly Mortgage Update Commentary

28

VantageScore Has a Price: What Lenders Need to Know - Legislative Update by Alice Alvey

29

Mortgage Rates Surge as Oil, Inflation & the Fed Rattle Markets - Market Update by Matt Graham

30

End the Tri-Merge? MBA Pushes for Credit Reporting Reform - MBA Mortgage Minute by Adam DeSanctis

31

Weekly AI Update: AI Hype vs. Reality: What Mortgage Leaders Need to Know About Agentic AI

32

Beyond the Agency Box: Why Non-QM Could Define the Next Decade of Mortgage Lending with Bill Dallas of Dallas Capital

33

Mortgage Rates Break Higher: Why Strategy, Leadership & Mindset Matter Now

34

The 2009 Endangerment Finding..."It's Over" - Macro Market Update by Les Parker

35

Credit Reporting Reboot: FHFA Eyes Single-File Reports and VantageScore 4.0 - MBA Mortgage Minute by Adam DeSanctis

36

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

37

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

38

Higher Rates, Stronger Resolve: How Mortgage Lenders Are Adapting - 09/01/2026 Weekly Mortgage Update Commentary

39

AI Agents Are Here: Is the Mortgage Industry Ready? - Tech Update by Allen Pollack

40

FHA Delinquencies: Separating the Headlines From the Real Risk - Legislative Update by Alice Alvey

41

Warsh Talks Tough: Mortgage Rates Hit Their Highest Levels in Over a Year - Market Update by Matt Graham

42

"25 Minutes to Go" For Everything to Change - Macro Market Update by Les Parker

43

MBA Advocacy Delivers a Major Fair Lending Win in California - MBA Mortgage Minute by Adam DeSanctis

44

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

45

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

46

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

47

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

48

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

49

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

50

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

51

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

52

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

53

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

54

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

55

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

56

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

57

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

58

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

59

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

60

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

61

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

62

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

63

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

64

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

65

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

66

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

67

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

68

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

69

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

70

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

71

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

72

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

73

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

74

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

75

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

76

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

77

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

78

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

79

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

80

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

81

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

82

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

83

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

84

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

85

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

86

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

87

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

88

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

89

Mortgage Markets Under Pressure: Winning Business While Rates Stay Higher

90

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

91

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

92

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

93

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

94

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

95

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

96

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

97

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

98

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

99

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

100

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