Lykken on Lending: Recent Episodes
David Lykken
Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program styled âpodcastâ hosted by mortgage veteran, David Lykken. Joining the program each week is Joe Farr with a MARKET UPDATE, Alice Alvey providing a LEGISLATIVE UPDATE, Paul Muolo of IMFnews.com & Sam Garcia of MortgageDaily.com giving a quick MTG NEWS HEADLINES update and Andy Schell (a/k/a "The Profit Doctor") providing tips on FINANCIAL MANAGEMENT. This is 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. We invite you to join us to listen and learn. This broadcast is provided to the mortgage industry as a public service compliments of Transformation Mortgage Solutions, transforming an industry, one person, one process and one company at a time.
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.
A major financial development at United Wholesale Mortgage is sending ripples through the mortgage industry after UWM reported a staggering $409 million hedging loss, raising significant questions about the company’s capital markets strategy and the circumstances surrounding its proposed Two Harbors transaction. In this special breaking-news edition of Lykken on Lending, David Lykken is joined by Pavan Agarwal and David Pahwa to examine what is known, what remains unanswered, and what the situation could mean for UWM, Oaktree’s investment, and the competitive landscape of wholesale mortgage lending. The conversation also takes a broader look at the importance of disciplined hedging and risk management when hundreds of millions—or even billions—of dollars are at stake.
The bond market is sending a message to the Federal Reserve, and mortgage professionals should be paying attention. In this week’s mortgage commentary, the panel examines why uncertainty surrounding Fed policy and its commitment to controlling inflation is putting pressure on longer-term Treasury yields and mortgage rates. With geopolitical conflict continuing to influence oil prices, inflation expectations remaining critical, and global markets facing an unusually high degree of uncertainty, the path toward meaningfully lower mortgage rates remains complicated. The discussion explores why the bond market may increasingly be calling the shots, what it could take to restore confidence in the inflation outlook, and why lenders need to remain alert and adaptable as volatility creates both risk and opportunity.
This podcast segment explores why mortgage lenders should embrace AI innovation now while establishing strong governance to manage Shadow AI, protect borrower data, and navigate an evolving regulatory landscape.
Allen Pollack, Tech ConsultantAllen 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.
This podcast segment explores why purchase mortgage demand remains resilient despite elevated interest rates, while rising homeowner's insurance costs and property taxes create new affordability challenges for borrowers.
David G. Kittle, CMB is a highly respected leader in the mortgage industry, with over 45 years of experience. He is the Co-Founder and Chairman of The Mortgage Collaborative (TMC), a mortgage lending cooperative providing members with access to resources and tools to improve their business operations.
Kittle began his mortgage banking career with American Fletcher Mortgage Company as a top-producing loan officer in 1978 moving to the management side in 1986 with Southmark Mortgage. He opened Associates Mortgage Group, the first of his three lending companies in 1994.
Kittle served as MORPAC Chairman for MBA, from 2004-2006. He is past President of both the Louisville and Kentucky Mortgage Bankers Associations, as well as leading the industry through its most tumultuous period as Chairman of the Mortgage Bankers Association, Washington DC in 2009. Kittle has testified before congress 14 times.
Kittle has been a driving force behind the growth and success of TMC, working to bring together mortgage lenders from across the country to share best practices and collaborate on key industry issues. Kittle has also been a vocal advocate for innovation and technology adoption in the mortgage industry, urging lenders to embrace new tools and strategies to improve their operations and better serve their customers.
Kittle is a frequent speaker at industry events and conferences, sharing his expertise on a variety of topics related to mortgage lending.
He resides in Louisville, Kentucky, he has four children and two grandchildren.
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!
This podcast segment examines why mortgage rates moved higher despite the Fed holding steady, as uncertainty over Fed policy, inflation, Treasury selling, oil prices, and global market volatility pushed rates near their highest levels in more than a year.
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.
08-04-2026 The Fed Takes a "Magical Mystery Tour"
Fed Warsh’s mystery tour is hoping Bonds take their own way. Hoping they don’t go astray.
TMSpotlight SoundBites is brought to you by PowerSeller and Adam Quinones' DataQollab.
Bonds continued to show their disapproval of the Fed’s not tightening. Alternatively, the short end acknowledged the Fed’s magical mystery tour creates less hawkishness. So, the curve steepened.
Expect an Iranian deal to restore the path to free-flowing oil, pushing down Oil prices and Bond yields. Regardless, the 10-yr yield remains stuck between 4.80 and 4.20.
Rates GO up. These views are mine. Fed’s new mystery tour. Join TMSpotlight. You got everything you need. Satisfaction guaranteed.
Song: Magical Mystery Tour (1967) The Beatles
This podcast segment highlights FHA’s decision to ease property standards for existing homes, removing outdated well-distance requirements that could expand access to FHA financing in more communities.
Adam DeSanctis, VP of Communications at Mortgage Bankers Association
As a strategic public affairs and communications executive with nearly two decades of experience, Adam has deep expertise in strategy, management, and media relations. He is widely considered to be an expert in a variety of communications, including advocacy, brand, executive, crisis, grassroots, and social media. In his career, he has been the MBA spokesperson on a wide variety of real estate research and advocacy-related issues, promoted MBA research and advocacy efforts to financial, political, and trade industry media and on MBA's social media channels, and secured media opportunities for MBA leadership on key real estate trends and issues, generated media coverage for MBA's research and data on mortgage applications, credit availability, homebuilder applications, mortgage forbearance/delinquencies, commercial real estate originations, and forecasts, and other industry analysis, developed key strategic initiatives for MBA's organizational public affairs plan, media relations and member communications support for mPower, MBA's Opens Doors Foundation and MBA's Diversity, Equity, and Inclusion program.
The AI gold rush is in full swing, but many organizations are chasing the latest tools while overlooking the asset that will determine long-term success—their own data. In this episode of the Weekly AI Update, David Lykken and AI innovator Pavan Agarwal break down the biggest insights emerging from the AI4 Conference, discuss why enterprise AI strategy matters more than isolated AI deployments, and explore how AI agents are transforming the way businesses operate. They also examine the growing importance of proprietary AI patents, intelligent automation, and trusted data as the foundation for competitive advantage. If you're looking to move beyond AI hype and build a sustainable strategy that delivers real business value, this conversation provides practical insights into where AI is headed and how forward-thinking leaders can position themselves for the future.
As Fannie Mae's new AI governance requirements take effect on August 6, mortgage lenders face growing pressure to ensure their AI strategies are compliant, transparent, and audit-ready. In this episode of Lykken on Lending, David Lykken sits down with Steve Butler, CEO of TRUE, to discuss what these new requirements really mean, the misconceptions many lenders have about AI governance, and why deterministic AI is becoming essential for reducing risk. Steve also introduces TRUE's new Industry Guide, offering practical insights that help lenders build trust, improve compliance, and prepare for the future of AI-powered lending.
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 professionals hoping for a dramatic drop in interest rates may need to rethink their strategy, because today’s market continues to be shaped by persistent inflation concerns, volatile oil prices, geopolitical uncertainty, and an unpredictable Federal Reserve outlook. In this week’s mortgage commentary, the discussion cuts through the noise to focus on what lenders and originators can actually control: finding opportunities in the purchase market, spending the time necessary to understand challenged borrowers, structuring loans creatively, and helping more consumers achieve homeownership at today’s rates. Buyers are still buying and business is still being done, which makes the message especially relevant for mortgage professionals waiting on the sidelines for a refinance boom that may not arrive anytime soon. Rather than hoping the market will create opportunity, successful lenders must adapt to the environment in front of them, strengthen their execution, and remember one simple principle: hope is not a strategy.
This podcast segment explores why mortgage lenders should embrace AI innovation now while establishing strong governance to manage Shadow AI, protect borrower data, and navigate an evolving regulatory landscape.
Allen Pollack, Tech ConsultantAllen 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.
This podcast segment encourages lenders to stop waiting for lower interest rates and instead focus on growing their business by embracing today's market, serving purchase borrowers, and capitalizing on opportunities like non-QM lending.
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!
This podcast segment explains how surprisingly weak inflation data offset geopolitical tensions and shifting Fed expectations, allowing mortgage rates to improve despite ongoing market volatility.
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.
This podcast segment highlights MBA’s recommendations to FHFA for modernizing the GSE Duty to Serve program while protecting lender certainty and continued support for manufactured housing, rural communities, and affordable housing.
Adam DeSanctis, VP of Communications at Mortgage Bankers Association
As a strategic public affairs and communications executive with nearly two decades of experience, Adam has deep expertise in strategy, management, and media relations. He is widely considered to be an expert in a variety of communications, including advocacy, brand, executive, crisis, grassroots, and social media. In his career, he has been the MBA spokesperson on a wide variety of real estate research and advocacy-related issues, promoted MBA research and advocacy efforts to financial, political, and trade industry media and on MBA's social media channels, and secured media opportunities for MBA leadership on key real estate trends and issues, generated media coverage for MBA's research and data on mortgage applications, credit availability, homebuilder applications, mortgage forbearance/delinquencies, commercial real estate originations, and forecasts, and other industry analysis, developed key strategic initiatives for MBA's organizational public affairs plan, media relations and member communications support for mPower, MBA's Opens Doors Foundation and MBA's Diversity, Equity, and Inclusion program.
Artificial intelligence is no longer just about deploying the latest chatbot—it's about building solutions that can be trusted in high-stakes environments. In this week's AI Update, David Lykken sits down with Pavan Agarwal and Jennifer to explore the critical difference between organizations that merely claim to have an AI strategy and those that have built one around proprietary, purpose-built intelligence. From the emergence of "PropAI" to the role of human oversight, warranted AI decisions, and dramatically reducing operational costs, this conversation examines how specialized AI is transforming mortgage lending and why the future belongs to AI systems designed for accountability, accuracy, and real-world outcomes rather than hype.
The mortgage industry is evolving, and success today requires far more than mastering the mechanics of originating loans. In this compelling Hot Topic episode, David Lykken sits down with one of the industry's most respected mortgage coaches and content creators to explore why the traditional loan officer model is giving way to a new era of "mortgage operators." Drawing from two decades of experience as a top-producing originator, executive leader, and coach, the conversation dives into the mindset, systems, leadership, and business strategies that separate sustainable high performers from the rest of the field. Whether you're a new loan officer, an experienced producer, or a mortgage executive developing your next generation of talent, this episode offers practical insights into building a business that can thrive in any 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 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.
This week's mortgage commentary explores why today's lending environment may be less about waiting for lower rates and more about adapting to a fundamentally different market. Bill Corbett's compelling "eye of the storm" analogy frames a discussion on how persistent geopolitical uncertainty, inflation pressures, and a higher-for-longer interest rate environment are likely to remain defining characteristics of the mortgage landscape. The panel also examines the accelerating role of artificial intelligence in reshaping lender operations and highlights growing global confidence in U.S. housing, as evidenced by significant international investment in American homebuilders and housing finance. The message for mortgage leaders is clear: success will belong to organizations that embrace innovation, strengthen operational resilience, and execute confidently in a market where volatility has become the new normal.
This podcast segment explores why AI governance, data security, and borrower retention—not just automation—are becoming the defining competitive advantages for mortgage lenders as new Fannie Mae AI requirements take effect.
Allen Pollack, Tech ConsultantAllen 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.
This podcast segment encourages lenders to stop waiting for lower interest rates and instead focus on growing their business by embracing today's market, serving purchase borrowers, and capitalizing on opportunities like non-QM lending.
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!
This podcast segment explains how surprisingly weak inflation data offset geopolitical tensions and shifting Fed expectations, allowing mortgage rates to improve despite ongoing market volatility.
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.
07-21-2026 "Does Anybody Really Know What Time It Is?" Bonds Don't Care
(Bonds don't) Does anybody really know what time it is? (Care) Does any rally really care? (About time) If so, Bonds can't imagine why. (Oh don’t sell) They've all got time enough to buy.
The more things change, the more they don’t. The nature of a big system hides micro tragedies. Consider how mortgage rates have stayed within a 100 bps band for three years, but volatility has ranged from 2 to 5.
Imagine at 2 you make your gross margin, but net profit declines and eventually turns negative as volatility increases. The point is that the speed of change is more dangerous than change itself.
Buy or sell, Bonds don’t care.
These views are mine. Join TMSpotlight to know when time matters.
Song: Does Anybody Really Know What Time It Is (1969)
This podcast segment highlights the CFPB's new request for information, marking a significant step toward modernizing mortgage regulations and advancing MBA's advocacy for reforms that could reduce costs, ease compliance burdens, and expand access to affordable mortgage credit.
Adam DeSanctis, VP of Communications at Mortgage Bankers Association
As a strategic public affairs and communications executive with nearly two decades of experience, Adam has deep expertise in strategy, management, and media relations. He is widely considered to be an expert in a variety of communications, including advocacy, brand, executive, crisis, grassroots, and social media. In his career, he has been the MBA spokesperson on a wide variety of real estate research and advocacy-related issues, promoted MBA research and advocacy efforts to financial, political, and trade industry media and on MBA's social media channels, and secured media opportunities for MBA leadership on key real estate trends and issues, generated media coverage for MBA's research and data on mortgage applications, credit availability, homebuilder applications, mortgage forbearance/delinquencies, commercial real estate originations, and forecasts, and other industry analysis, developed key strategic initiatives for MBA's organizational public affairs plan, media relations and member communications support for mPower, MBA's Opens Doors Foundation and MBA's Diversity, Equity, and Inclusion program.
Artificial intelligence is rapidly transforming the mortgage industry, but innovation without standards can create more risk than value. In this Hot Topic, David Lykken sits down with MISMO President Brian Vieaux to discuss why trusted data, governance, and industry collaboration are the true foundation of successful AI adoption. Brian shares how MISMO's new FRAME (Framework for Responsible AI in the Mortgage Ecosystem) gives lenders practical guidance for implementing AI responsibly while remaining compliant with evolving regulatory expectations. From separating genuine innovation from simple automation to exploring how standardized data can reduce loan manufacturing costs and improve efficiency, this conversation provides mortgage executives with an inside look at the infrastructure that will shape the industry's AI-driven future.
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.
This podcast segment explores how AI is transforming mortgage lending while highlighting the growing importance of governance, data security, vendor management, fraud prevention, and cost-effective technology strategies for lenders.
Allen Pollack, Tech ConsultantAllen 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.
This podcast segment encourages lenders to stop waiting for lower interest rates and instead focus on growing their business by embracing today's market, serving purchase borrowers, and capitalizing on opportunities like non-QM lending.
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!
This podcast segment explains how easing Middle East tensions, improving bond markets, and upcoming Federal Reserve decisions are contributing to renewed optimism for lower mortgage rates.
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.
07-14-2026 Bonds Watch "Radar Love"
Bonds’ got a thing that hates Radar Love. They could switch and buy…
How shocking: August Crude Oil returned to the low 70s from the mid-60s. Oil has no narrative to justify exceeding $80 or falling below $64. Expect trading to be stuck in the 70s.
Meanwhile, rates wait for drums of war to stop.
The markets remain messy and noisy from little fundamental direction. Remove two wars and the Bond bulls return.
Bonds love bombs. Or They love them not.
These views are mine. Join TMSpotlight to know what’s on the radar.
Song: Radar Love (1973) Golden Earring
This podcast segment highlights the CFPB's new request for information, marking a significant step toward modernizing mortgage regulations and advancing MBA's advocacy for reforms that could reduce costs, ease compliance burdens, and expand access to affordable mortgage credit.
Adam DeSanctis, VP of Communications at Mortgage Bankers Association
As a strategic public affairs and communications executive with nearly two decades of experience, Adam has deep expertise in strategy, management, and media relations. He is widely considered to be an expert in a variety of communications, including advocacy, brand, executive, crisis, grassroots, and social media. In his career, he has been the MBA spokesperson on a wide variety of real estate research and advocacy-related issues, promoted MBA research and advocacy efforts to financial, political, and trade industry media and on MBA's social media channels, and secured media opportunities for MBA leadership on key real estate trends and issues, generated media coverage for MBA's research and data on mortgage applications, credit availability, homebuilder applications, mortgage forbearance/delinquencies, commercial real estate originations, and forecasts, and other industry analysis, developed key strategic initiatives for MBA's organizational public affairs plan, media relations and member communications support for mPower, MBA's Opens Doors Foundation and MBA's Diversity, Equity, and Inclusion program.
As artificial intelligence continues to dominate boardroom conversations, many organizations are discovering that simply adopting AI tools isn't enough to achieve meaningful business results. In this week's Weekly AI Update, David Lykken and Pavan Agarwal unpack why an overwhelming 88% of AI initiatives fail to deliver measurable value and explore what separates the successful 12% from the rest. Drawing on Pavan's recent Forbes article and PwC research, this episode reveals why CEOs must lead AI transformation from the top, rethink entire business workflows, and focus on execution—not experimentation. If you're looking to turn AI from a costly expense into a true competitive advantage, this conversation offers practical insights every business leader should hear.
In an era where headlines compete for clicks and AI is transforming how information is created and consumed, trust has never been more valuable. In this insightful episode of Lykken on Lending, David Lykken sits down with James Kleimann, founder of The Mortgage Scoop, to explore what it takes to deliver authentic journalism in today's mortgage industry. James shares his remarkable journey from local investigative reporting to becoming one of the industry's most respected independent voices, revealing why relationships, credibility, and meaningful storytelling matter more than ever. Together, they discuss the evolving role of trade media, the impact of AI on journalism, industry consolidation, social media, and the future of mortgage lending. Whether you're a lender, executive, loan officer, or industry leader, this conversation offers valuable insights into how transparency, trust, and human connection continue to shape the future of housing finance.
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.
This podcast segment explores how artificial intelligence is rapidly transforming mortgage lending, from underwriting and valuations to compliance and operations, while highlighting the importance of responsible adoption and governance.
Allen Pollack, Tech ConsultantAllen 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.
This podcast segment explains how easing Middle East tensions, improving bond markets, and upcoming Federal Reserve decisions are contributing to renewed optimism for lower mortgage rates.
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.
06-16-2026 “A Mistake” The Apple of a Modeler's Eye
———————
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 and models highlight the value of learning through trial and error and transparency.
The absence of the government spoon-feeding the Fed revealed the shadow modelers to a broader audience. They can gain insight sooner by making mistakes. Markets developed quite a taste…
…for a well-made Mistake. They wanna make A Mistake. Why can’t we make A Mistake?
These views are mine. Learn from mistakes at TMSpotlight.com.
Song: A Mistake (1999) Fiona Apple
This podcast segment explores FHA's review of its Minimum Property Requirements and how modernizing these standards could streamline appraisals, reduce lending delays, and improve access to FHA financing.
Adam DeSanctis, VP of Communications at Mortgage Bankers Association
As a strategic public affairs and communications executive with nearly two decades of experience, Adam has deep expertise in strategy, management, and media relations. He is widely considered to be an expert in a variety of communications, including advocacy, brand, executive, crisis, grassroots, and social media. In his career, he has been the MBA spokesperson on a wide variety of real estate research and advocacy-related issues, promoted MBA research and advocacy efforts to financial, political, and trade industry media and on MBA's social media channels, and secured media opportunities for MBA leadership on key real estate trends and issues, generated media coverage for MBA's research and data on mortgage applications, credit availability, homebuilder applications, mortgage forbearance/delinquencies, commercial real estate originations, and forecasts, and other industry analysis, developed key strategic initiatives for MBA's organizational public affairs plan, media relations and member communications support for mPower, MBA's Opens Doors Foundation and MBA's Diversity, Equity, and Inclusion program.
Housing affordability remains one of the mortgage industry's greatest challenges, but what if one policy change could provide immediate relief for first-time homebuyers? In this insightful discussion, David Lykken, David Kittle, Alice Alvey, and Bill Corbett examine the case for eliminating FHA's upfront mortgage insurance premium (MIP), arguing that the Mutual Mortgage Insurance Fund's strong capital position may create an opportunity to lower borrowers' upfront costs without compromising the program's financial stability. The conversation also explores the broader economic backdrop of inflation, interest rates, and government policy, raising important questions about whether practical, common-sense reforms could make homeownership more attainable for thousands of Americans.
This podcast segment explores how rapid advances in artificial intelligence are transforming mortgage lending and servicing while highlighting the critical importance of governance, data security, compliance, and responsible implementation to avoid unintended risks.
Allen Pollack, Tech ConsultantAllen 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.
This podcast segment highlights new VA loss mitigation options that give veteran homeowners more opportunities to avoid foreclosure while encouraging borrowers to contact their mortgage servicer early and urging lenders to weigh in on pending FinCEN AML policy changes.
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!
This podcast segment explains how quarter-end bond market trading, weaker-than-expected jobs data, and evolving Fed expectations combined to drive mortgage rate volatility and shape the outlook for interest rates in the weeks ahead.
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.
07-06-2026 Spinning in "Circles"
Rates couldn't turn around
'Til they were upside down
Powell said that he’s gone, yet he’ll be around for a while. Trump underscored that the blockade would last as long as it takes. So, the guessing game remains in place: when will the pressure on Oil prices ease, and will they drag growth more than drive inflation?
The 10-year yield spins in circles between long-standing resistance at 4.50 and a trend reversal at 4.20. The bulls need tangible good news on Oil to break out.
Run away, but we're running in circles. Run away, run away.
These views are mine. Join TMSpotlight to know how circles break.
Song: Circles (2019) Post Malone
This podcast segment highlights the release of FICO 10T and VantageScore 4.0 historical data, marking a major step toward modernizing mortgage credit scoring, expanding lender choice, and improving access to affordable home financing.
Adam DeSanctis, VP of Communications at Mortgage Bankers Association
As a strategic public affairs and communications executive with nearly two decades of experience, Adam has deep expertise in strategy, management, and media relations. He is widely considered to be an expert in a variety of communications, including advocacy, brand, executive, crisis, grassroots, and social media. In his career, he has been the MBA spokesperson on a wide variety of real estate research and advocacy-related issues, promoted MBA research and advocacy efforts to financial, political, and trade industry media and on MBA's social media channels, and secured media opportunities for MBA leadership on key real estate trends and issues, generated media coverage for MBA's research and data on mortgage applications, credit availability, homebuilder applications, mortgage forbearance/delinquencies, commercial real estate originations, and forecasts, and other industry analysis, developed key strategic initiatives for MBA's organizational public affairs plan, media relations and member communications support for mPower, MBA's Opens Doors Foundation and MBA's Diversity, Equity, and Inclusion program.
As the mortgage industry navigates another week of market uncertainty, one message is becoming increasingly clear: strong economic fundamentals are keeping interest rates elevated even as optimism returns to the housing market. In this week's commentary, our panel examines what a stronger-than-expected jobs report means for Federal Reserve policy, why geopolitical tensions continue to fuel market volatility, and how mortgage professionals should interpret shifting expectations for rate cuts versus rate hikes. The discussion also explores the growing confidence in purchase lending, the importance of separating politics from economic data, and the industry's continued call for meaningful housing finance reforms. Whether you're watching the Fed, managing a pipeline, or preparing for what's next, this conversation provides valuable perspective on the forces shaping today's mortgage market.
This podcast segment explores how mortgage professionals can safely harness the growing power of AI by choosing the right platforms, maintaining strong governance, and using artificial intelligence to augment—not replace—human expertise and decision-making.
Allen Pollack, Tech ConsultantAllen 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.
This podcast segment highlights new VA loss mitigation options that give veteran homeowners more opportunities to avoid foreclosure while encouraging borrowers to contact their mortgage servicer early and urging lenders to weigh in on pending FinCEN AML policy changes.
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!
6.8.26 Is Elon Musk The "Starman"
Elon’s Starman waiting in the sky
He'd like to come and meet us
But he thinks he'd blow our minds.
The trillion-dollar man, Elon Musk, has missions to Mars and moon colonies. He collects data on human behavior via Tesla. He antagonizes governments with tweets despite his wealth exceeding the GDP of 125 countries.
Meanwhile, the curve twists, mortgage rates bounce between 4.80% and 4.20%, and the short end wonders whether the Fed will tighten. But the game board remains the same.
Let the players lose it
Let the players use it
Let all the players boogie
These views are mine. Join TMSpotlight to know the players.
Song: Starman (1972) David Bowiews1
This podcast segment explores FHA's review of its Minimum Property Requirements and how modernizing these standards could streamline appraisals, reduce lending delays, and improve access to FHA financing.
Adam DeSanctis, VP of Communications at Mortgage Bankers Association
As a strategic public affairs and communications executive with nearly two decades of experience, Adam has deep expertise in strategy, management, and media relations. He is widely considered to be an expert in a variety of communications, including advocacy, brand, executive, crisis, grassroots, and social media. In his career, he has been the MBA spokesperson on a wide variety of real estate research and advocacy-related issues, promoted MBA research and advocacy efforts to financial, political, and trade industry media and on MBA's social media channels, and secured media opportunities for MBA leadership on key real estate trends and issues, generated media coverage for MBA's research and data on mortgage applications, credit availability, homebuilder applications, mortgage forbearance/delinquencies, commercial real estate originations, and forecasts, and other industry analysis, developed key strategic initiatives for MBA's organizational public affairs plan, media relations and member communications support for mPower, MBA's Opens Doors Foundation and MBA's Diversity, Equity, and Inclusion program.
In today's fast-moving mortgage market, uncertainty has become the new normal. Geopolitical events, fluctuating interest rates, and nonstop news cycles can create daily swings that challenge both lenders and borrowers. Yet amid the volatility, one thing remains constant: the importance of sound guidance and disciplined decision-making. In this discussion, our panel explores how mortgage professionals can rise above the headlines by focusing on what they can control—educating borrowers, managing risk, making smart lock decisions, and maintaining confidence in a purchase market that continues to show resilience despite ongoing economic uncertainty.
This podcast segment explores how artificial intelligence is rapidly transforming mortgage lending, from underwriting and valuations to compliance and operations, while highlighting the importance of responsible adoption and governance.
Allen Pollack, Tech ConsultantAllen 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.
This podcast segment explores why purchase mortgage demand remains resilient despite elevated interest rates, while rising homeowner's insurance costs and property taxes create new affordability challenges for borrowers.
David G. Kittle, CMB is a highly respected leader in the mortgage industry, with over 45 years of experience. He is the Co-Founder and Chairman of The Mortgage Collaborative (TMC), a mortgage lending cooperative providing members with access to resources and tools to improve their business operations.
Kittle began his mortgage banking career with American Fletcher Mortgage Company as a top-producing loan officer in 1978 moving to the management side in 1986 with Southmark Mortgage. He opened Associates Mortgage Group, the first of his three lending companies in 1994.
Kittle served as MORPAC Chairman for MBA, from 2004-2006. He is past President of both the Louisville and Kentucky Mortgage Bankers Associations, as well as leading the industry through its most tumultuous period as Chairman of the Mortgage Bankers Association, Washington DC in 2009. Kittle has testified before congress 14 times.
Kittle has been a driving force behind the growth and success of TMC, working to bring together mortgage lenders from across the country to share best practices and collaborate on key industry issues. Kittle has also been a vocal advocate for innovation and technology adoption in the mortgage industry, urging lenders to embrace new tools and strategies to improve their operations and better serve their customers.
Kittle is a frequent speaker at industry events and conferences, sharing his expertise on a variety of topics related to mortgage lending.
He resides in Louisville, Kentucky, he has four children and two grandchildren.
This podcast segment captures growing industry frustration as lenders and experts question the execution, costs, and real impact of FHFA’s credit scoring rollout despite years of development.
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!
This podcast segment explains how ongoing Iran peace negotiations and geopolitical headlines are driving bond market volatility, often overshadowing economic data and influencing mortgage rate movements.
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.
06-02-2026 The "Mad World" of Oil
All around us are familiar prices
Worn out paces, worn out peace deals
Scrimmages contrast the anticipation of Oil flows resuming. Sluggish growth and stubborn inflation result in narrow trading.
July Crude Oil is following our script, reaching the mid-80s. As a result, the 10-year yield is building value below 4.50. When Oil reaches the low 80s, look for the Bond bulls to return, pushing mortgage rates back below 6.20.
Mad World, Fed World, Iranian Oil World, Mad World
These views are mine. Join TMSpotlight to see how madness changes rates.
Dave says: Go to our show notes to sign up for TMSpotlight with your email.
Song: Mad World (1983) Tears for Fears
This podcast segment explores FHA's review of its Minimum Property Requirements and how modernizing these standards could streamline appraisals, reduce lending delays, and improve access to FHA financing.
Adam DeSanctis, VP of Communications at Mortgage Bankers Association
As a strategic public affairs and communications executive with nearly two decades of experience, Adam has deep expertise in strategy, management, and media relations. He is widely considered to be an expert in a variety of communications, including advocacy, brand, executive, crisis, grassroots, and social media. In his career, he has been the MBA spokesperson on a wide variety of real estate research and advocacy-related issues, promoted MBA research and advocacy efforts to financial, political, and trade industry media and on MBA's social media channels, and secured media opportunities for MBA leadership on key real estate trends and issues, generated media coverage for MBA's research and data on mortgage applications, credit availability, homebuilder applications, mortgage forbearance/delinquencies, commercial real estate originations, and forecasts, and other industry analysis, developed key strategic initiatives for MBA's organizational public affairs plan, media relations and member communications support for mPower, MBA's Opens Doors Foundation and MBA's Diversity, Equity, and Inclusion program.
Artificial intelligence is transforming far more than productivity—it is fundamentally changing how consumers discover and evaluate mortgage professionals. In this Hot Topic, David Lykken sits down with marketing expert John Seroka to discuss why AI has become the new gatekeeper between consumer intent and lender discovery. Together, they explore how brand clarity, message consistency, original content, and digital credibility are becoming the key drivers of visibility in an AI-powered world. Whether you're a loan originator, branch manager, or mortgage executive, this conversation offers practical insights to help ensure your business is found, trusted, and recommended by the AI platforms that are rapidly reshaping the future of mortgage marketing.
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.
Artificial intelligence is rapidly transforming the mortgage industry, but innovation without governance can create significant operational, compliance, and cybersecurity risks. In this episode of Lykken on Lending, the panel examines the growing trend of employees using unauthorized AI tools and personal devices to solve business challenges outside their company's approved systems—a practice often referred to as "shadow AI." The discussion explores the fine line between encouraging innovation and protecting sensitive borrower data, while emphasizing the need for clear AI governance policies, ongoing employee education, and strong security controls. As lenders embrace the next generation of AI-powered productivity tools, this conversation offers timely guidance on how to innovate responsibly without compromising compliance, data integrity, or corporate trust.
This podcast segment highlights new VA loss mitigation options that give veteran homeowners more opportunities to avoid foreclosure while encouraging borrowers to contact their mortgage servicer early and urging lenders to weigh in on pending FinCEN AML policy changes.
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!
This podcast segment explains how easing Middle East tensions, improving bond markets, and upcoming Federal Reserve decisions are contributing to renewed optimism for lower mortgage rates.
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.
06-30-2026 "Changes" on Tap for Oil, Bonds, and the Fed
___________________
Warsh not supposed to be scared of anything
But you don't know where he is
“Less transparency means more guesswork, more uncertainty, more volatility, more risk premium, more event risk.” Scream some investors over of Kevin Warsh’s plans for a quieter Federal Reserve. Warsh wants more uncertainty and volatility to desensitize markets to government interference. He may be right, but be careful what you wish for.
Oil is going through Changes. Bonds feel frustrated as the Fed goes through changes too.
So they trade sympathetically. Now, Bonds go through Changes, Changes.
These views are mine. Join TMSpotlight to know changes.
Song: Changes (2002) 3 Doors Down
This podcast segment explains how FHA's sweeping regulatory reforms and the pending bipartisan housing legislation are streamlining mortgage lending, reducing compliance burdens, and creating greater operational efficiency for lenders.
Adam DeSanctis, VP of Communications at Mortgage Bankers Association
As a strategic public affairs and communications executive with nearly two decades of experience, Adam has deep expertise in strategy, management, and media relations. He is widely considered to be an expert in a variety of communications, including advocacy, brand, executive, crisis, grassroots, and social media. In his career, he has been the MBA spokesperson on a wide variety of real estate research and advocacy-related issues, promoted MBA research and advocacy efforts to financial, political, and trade industry media and on MBA's social media channels, and secured media opportunities for MBA leadership on key real estate trends and issues, generated media coverage for MBA's research and data on mortgage applications, credit availability, homebuilder applications, mortgage forbearance/delinquencies, commercial real estate originations, and forecasts, and other industry analysis, developed key strategic initiatives for MBA's organizational public affairs plan, media relations and member communications support for mPower, MBA's Opens Doors Foundation and MBA's Diversity, Equity, and Inclusion program.
Artificial intelligence is transforming mortgage lending, but one critical challenge remains: uncertainty. In this week's Weekly AI Update, David Lykken welcomes leading scientist Professor Arin Brahma to explore a groundbreaking innovation in uncertainty-aware machine learning that is changing how AI makes high-stakes decisions. Together, they discuss why traditional AI models can create hidden risks, how deterministic AI improves transparency, fairness, and compliance, and why this research could reshape the future of mortgage lending and other highly regulated industries. If you're a mortgage executive, lender, fintech leader, or anyone interested in responsible AI, this conversation offers a compelling look at the next evolution of trustworthy decision intelligence.
As Bitcoin and blockchain continue to gain momentum across global financial markets, mortgage professionals can no longer afford to view digital assets as a niche technology. In this Hot Topics, David Lykken sits down with attorney and blockchain advisor Manny Alicandro to separate fact from fiction and explain why Bitcoin is about much more than investing. Together, they explore how blockchain can improve transparency, streamline financial transactions, reduce costs, accelerate mortgage closings, and expand access to financial services around the world. Whether you're curious about cryptocurrency or wondering how decentralized technology could transform housing finance, this conversation provides a practical, balanced introduction to one of the most significant innovations shaping the future of lending.
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.
The mortgage industry is entering a period of meaningful transition as new Federal Reserve leadership, evolving market dynamics, and ongoing geopolitical uncertainty reshape the outlook for interest rates and housing finance. In this week's Weekly Mortgage Update Commentary, David Lykken and an expert panel examine what Kevin Warsh's leadership style could mean for the future of monetary policy, why mortgage professionals should expect a more volatile market environment, and how lenders can adapt through stronger risk management, operational discipline, and strategic cost reduction. The discussion also explores the growing importance of real-time data, capital markets execution, and technology as mortgage companies prepare for a new era of market-driven decision-making.
This podcast segment examines the mortgage industry's evolving debate over alternative credit scoring models, rising origination costs, and the operational challenges lenders must overcome to improve affordability without increasing risk.
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!
This podcast segment explains how the Fed's unexpectedly hawkish dot plot and Chair Kevin Warsh's communication style shifted market expectations from rate cuts to rate hikes, creating renewed volatility for mortgage rates and bond markets.
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.
6.22.26 Stagflation Needs a "Wonderwall"
And all the roads that Iran walks are winding.
And all the lights that lead them there are blinding
Price action in currencies, commodities, and energy anticipates long-term safe passage through the Strait of Hormuz.
Bonds like a sidelined Fed. But no one likes the inflation consequences of sustained Oil prices, and their drag on growth. Stagflation gains popularity.
Expect an attack on 4.52 in the 10-year yield. Trump’s our Wonderwall
These views are mine. Join TMSpotlight and discover your Wonderwall.
Song: Wonderwall (1995) Oasis
This podcast segment explains how the MBA is advocating for targeted Basel III reforms that strengthen bank capital standards while preserving lenders' ability to support affordable housing and a healthy mortgage market.
Adam DeSanctis, VP of Communications at Mortgage Bankers Association
As a strategic public affairs and communications executive with nearly two decades of experience, Adam has deep expertise in strategy, management, and media relations. He is widely considered to be an expert in a variety of communications, including advocacy, brand, executive, crisis, grassroots, and social media. In his career, he has been the MBA spokesperson on a wide variety of real estate research and advocacy-related issues, promoted MBA research and advocacy efforts to financial, political, and trade industry media and on MBA's social media channels, and secured media opportunities for MBA leadership on key real estate trends and issues, generated media coverage for MBA's research and data on mortgage applications, credit availability, homebuilder applications, mortgage forbearance/delinquencies, commercial real estate originations, and forecasts, and other industry analysis, developed key strategic initiatives for MBA's organizational public affairs plan, media relations and member communications support for mPower, MBA's Opens Doors Foundation and MBA's Diversity, Equity, and Inclusion program.
05.26.26 "War of Change" or Peace
It's a truth that in every war
Worlds collide, and deals get brokered.
Oil producers shut in wells when they run out of storage, and analysts say Iran will hit its limit in May. So, expect Iran to strike a peace deal. Consequently, assume oil stays below $100, then drifts below $80 by late May.
Meanwhile, look for fireworks in Ukraine to end in July, pushing prices under $70. Cheaper energy supports solid U.S. growth and mild inflation, pulling long‑term rates lower.
I feel it in my veins. These wars are going away.
Everything's about to change.
These views are mine. Join TMSpotlight to see how war news changes mortgage rates.
Song: War of Change (2012) Thousand Foot Krutch
This podcast segment highlights the MBA's successful advocacy efforts that helped secure overwhelming bipartisan House passage of key housing reforms designed to improve affordability and strengthen the mortgage industry.
Adam DeSanctis, VP of Communications at Mortgage Bankers Association
As a strategic public affairs and communications executive with nearly two decades of experience, Adam has deep expertise in strategy, management, and media relations. He is widely considered to be an expert in a variety of communications, including advocacy, brand, executive, crisis, grassroots, and social media. In his career, he has been the MBA spokesperson on a wide variety of real estate research and advocacy-related issues, promoted MBA research and advocacy efforts to financial, political, and trade industry media and on MBA's social media channels, and secured media opportunities for MBA leadership on key real estate trends and issues, generated media coverage for MBA's research and data on mortgage applications, credit availability, homebuilder applications, mortgage forbearance/delinquencies, commercial real estate originations, and forecasts, and other industry analysis, developed key strategic initiatives for MBA's organizational public affairs plan, media relations and member communications support for mPower, MBA's Opens Doors Foundation and MBA's Diversity, Equity, and Inclusion program.
Artificial intelligence has rapidly become a cornerstone of innovation across industries, but one fundamental challenge remains: trust. Most AI systems operate on probabilities, offering predictions that often come with disclaimers and uncertainty. In this episode, we explore a newly granted patent that introduces the concept of "warranted intelligence"—an AI framework designed to provide deterministic, explainable, and fully traceable decisions. We discuss how this breakthrough could reshape mortgage lending, healthcare, financial services, and other high-stakes sectors where accuracy and accountability are essential. If AI is to become a trusted partner in critical decision-making, this patent may represent one of the most important milestones in the evolution of artificial intelligence.
Housing affordability remains one of the most pressing challenges facing the American dream, but understanding the solutions requires looking beyond the headlines and into the data. In this insightful episode, David Lykken sits down with renowned housing finance expert Laurie Goodman of the Urban Institute to explore the trends, policies, and innovations shaping the future of homeownership. From the remarkable success of modern loss mitigation programs and the untapped potential of renovation financing to refinancing reform, affordability challenges for younger generations, and the evolving role of institutional investors, Goodman provides a fact-based perspective on the issues driving today's housing market. Drawing on decades of research and policy analysis, she offers practical insights into how lenders, policymakers, and industry leaders can create a more accessible and sustainable housing finance system for future generations.
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.
This podcast segment explores how mortgage lenders are adopting AI and automation to improve workflows, borrower engagement, and operational efficiency while highlighting the risks of scaling flawed processes without proper training and strategy.
Allen Pollack, Tech ConsultantAllen 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.
This podcast segment examines the remaining legislative obstacles to housing reform, including proposed HUD counseling mandates for delinquent borrowers and expanded FinCEN compliance requirements that could significantly increase operational burdens for mortgage lenders and servicers.
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!
This podcast segment examines how escalating tensions in the Iran war, rising oil prices, and hotter-than-expected inflation data are driving Treasury yields higher and keeping upward pressure on mortgage rates.
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.
05-19-2026 "Time Is Running Out" For The Bear Trend
They wanted serfdom, bombs for destruction
They tried to give them up, but they’re addicted.
New data, coupled with unresolved peace deals, keep oil under pressure and Treasury yields and mortgage rates up. Iran’s situation has not changed. The terrorist regime wants to control its neighbors and drive Israelis into the sea with nuclear weapons.
The bear trend began, with the 10-year yield at 4.21. It’s now 4.60, with a gradual rate rise without a peace deal. But don’t be surprised when peace happens.
Iran’s time is running out
You can't push Oil underground
You can't sell it streaming out.
These views are mine. Join TMSpotlight to see how oil news changes rates.
Song: Time Is Running Out (2007) Muse
In a mortgage industry built on relationships, trust, and long-term commitment, few names carry the respect and recognition of Chrisman. In this special Father's Day episode, David Lykken sits down with Rob Chrisman and his son, Robbie Chrisman, for a candid conversation about family, leadership, work ethic, and the values that have shaped one of the industry's most trusted brands. From the origins of the legendary Chrisman Commentary to the evolution of the Chrisman podcast, this episode explores how consistency, credibility, and service have been passed down across three generations. Beyond mortgage banking, it's a powerful discussion about parenting, legacy, personal discipline, and why showing up every day still matters in a rapidly changing world. Whether you're a lender, executive, entrepreneur, or parent, you'll walk away with timeless lessons on leadership and the impact one family can have on an entire industry.
This podcast segment highlights MBA-backed revisions to the Twenty-First Century Road to Housing Act that address key industry concerns while advancing bipartisan housing finance reforms through Congress.
Adam DeSanctis, VP of Communications at Mortgage Bankers Association
As a strategic public affairs and communications executive with nearly two decades of experience, Adam has deep expertise in strategy, management, and media relations. He is widely considered to be an expert in a variety of communications, including advocacy, brand, executive, crisis, grassroots, and social media. In his career, he has been the MBA spokesperson on a wide variety of real estate research and advocacy-related issues, promoted MBA research and advocacy efforts to financial, political, and trade industry media and on MBA's social media channels, and secured media opportunities for MBA leadership on key real estate trends and issues, generated media coverage for MBA's research and data on mortgage applications, credit availability, homebuilder applications, mortgage forbearance/delinquencies, commercial real estate originations, and forecasts, and other industry analysis, developed key strategic initiatives for MBA's organizational public affairs plan, media relations and member communications support for mPower, MBA's Opens Doors Foundation and MBA's Diversity, Equity, and Inclusion program.
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.
Artificial intelligence is everywhere, but not all AI is created equal. In this episode of the Weekly AI Update, David Lykken sits down with Jennifer from Angel AI and Celligents to explore the difference between AI hype and true mortgage intelligence. Their conversation dives into what it really takes to build an AI system capable of performing meaningful work in a highly regulated industry, from decades of engineering and proprietary lending data to the disciplined culture required to create technology that borrowers, loan officers, and lenders can trust. They discuss the emerging definition of Artificial General Intelligence (AGI), why most AI solutions are little more than wrappers around large language models, and how purpose-built AI is transforming mortgage origination, compliance, risk management, and operational efficiency. If you're curious about where AI is truly creating value in financial services—and where the industry is headed next—this is a conversation you won't want to miss.
In an industry often defined by rates, guidelines, and transactions, Molly Dean reminds us that mortgage lending is ultimately about people. In this inspiring episode, Molly shares her unlikely journey from studying genetics and selling cars to becoming one of the mortgage industry's rising leaders. Along the way, she reveals the moment that shaped her purpose—helping a real estate agent provide for her family through a successful closing—and how that experience continues to drive her passion today. From building authentic relationships and creating a client-first culture to balancing a thriving business with family life, Molly offers a candid look at what it takes to succeed in modern mortgage lending. Her story is a powerful reminder that every loan impacts far more than a borrower; it creates opportunities, supports families, and strengthens entire communities. Whether you're a mortgage professional, industry newcomer, or business leader, this conversation delivers valuable insights on purpose, leadership, and building a career that truly makes a difference.
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.
Artificial intelligence is changing the rules of business faster than most professionals can keep up, but according to entrepreneur and branding expert Shanda Sumpter, the real competitive advantage isn't AI—it's authenticity. In this insightful episode, Shanda joins David Lykken to discuss why personal branding has become one of the safest investments in today's economy, how AI should amplify your voice rather than replace it, and why standing firmly for your values can be the key to attracting loyal clients and creating lasting influence. From building audiences and generating inbound leads to leveraging AI twins and embracing faith-driven leadership, this conversation offers a powerful roadmap for professionals who want to remain relevant, visible, and profitable in an increasingly automated world.
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.
The mortgage industry is rapidly embracing AI-powered underwriting, automated income analysis, appraisal reviews, and fraud detection tools—but with that innovation comes a critical question: who’s responsible when the technology gets it wrong? In this episode, David Lykken sits down with industry veterans David Kittle and Arthur Prieston to unpack the growing wave of repurchase demands tied to vendor-driven AI decisions and third-party data integrity issues. The conversation explores how liability is shifting from traditional underwriting errors to technology and vendor oversight, why lenders must rethink how they evaluate AI partners, and how repurchase insurance and vendor certification are becoming essential safeguards in today’s evolving risk environment. If your organization is implementing AI anywhere in the loan manufacturing process, this discussion offers timely insight into the legal, operational, and financial implications every mortgage lender should understand.
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.
What if the best leaders aren’t the ones pretending to have all the answers? In this powerful conversation, leadership consultant and author Jim Brown joins David Lykken to unpack the core message behind his new book, The Imperfect CEO. Together, they explore why authentic leadership, vulnerability, and trust are becoming essential leadership competencies in today’s workplace culture. Drawing on real-world executive coaching experiences, organizational health principles, and practical leadership frameworks, Jim explains how CEOs and emerging leaders can move beyond heroic leadership models to build organizations where employees feel valued, engaged, and empowered. This episode is packed with actionable insights for executives, managers, and anyone committed to creating healthier, high-performing teams.
The mortgage industry is entering a new era of scrutiny around VA refinance lending, and this Weekly AI Update exposes a troubling issue hiding in plain sight. David Lykken sits down with AI expert Pavan Agarwal to unpack how some VA refinance loans are technically meeting guidelines while financially harming veterans by stripping away tens of thousands of dollars in home equity for minimal monthly savings. In one shocking example, a veteran lost $37,000 in equity to save just $5 per month. The conversation dives into the ethical responsibility lenders carry, the limitations of legacy underwriting systems, and how AI-powered platforms like Angel AI are identifying harmful loan structures before they close. This podcast segment delivers a powerful warning to lenders while spotlighting how artificial intelligence can help protect veterans, reduce liability, and restore integrity to the lending process.
The mortgage industry is entering a new era defined by AI, consolidation, operational efficiency, and increasing competitive pressure on independent lenders. In this episode, David Lykken sits down with newly appointed Lenders One President Rick Seehausen to discuss his vision for the future of mortgage lending and the evolving role of mortgage cooperatives. Drawing from more than 30 years of industry leadership, Rick shares how Lenders One is expanding beyond traditional capital markets advantages into technology enablement, fulfillment solutions, provider partnerships, and AI-driven operational efficiencies designed to help community lenders, IMBs, credit unions, and banks remain competitive. From tackling rising compliance complexity to building scalable managed solutions for smaller institutions, this conversation delivers valuable insight into the strategies, innovations, and leadership shaping the next chapter of mortgage lending.
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.
In this week’s Weekly Mortgage Update commentary, industry leaders unpack the growing tension between geopolitical instability, inflation expectations, and the future direction of mortgage rates. With Iran conflict headlines driving oil price volatility and investors closely watching inflation data, markets remain highly reactive to every new development. The discussion explores how rising energy costs, global uncertainty, and evolving Federal Reserve expectations are influencing bond markets and mortgage pricing, while also highlighting a surprisingly resilient housing and lending environment. Despite concerns surrounding inflation and international conflict, many mortgage professionals remain optimistic about loan production, consumer demand, and the long-term strength of the U.S. economy. This episode delivers a candid and insightful conversation on the forces shaping today’s mortgage landscape and what lenders, originators, and housing professionals should prepare for in the months ahead.
This podcast segment captures growing industry frustration as lenders and experts question the execution, costs, and real impact of FHFA’s credit scoring rollout despite years of development.
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!
The mortgage industry is evolving alongside a major demographic shift: Americans are living longer than ever before, and that reality is transforming the way borrowers approach retirement, home equity, and homeownership. In today's Hot Topic, David Lykken sits down with mortgage veteran Michael Banner to discuss the rise of the “longevity economy” and why mortgage professionals must move beyond simply quoting rates to becoming long-term financial guides for their clients. From debunking myths surrounding reverse mortgages to uncovering a unique down payment assistance program with no income limits, Banner shares how today’s loan officers can help borrowers navigate rising home prices, retirement challenges, and multi-decade financial planning. This conversation delivers timely insights for mortgage professionals looking to stay relevant in a rapidly changing housing market.
This podcast segment explains how Iran peace-talk headlines, falling oil prices, and shifting inflation expectations triggered a sharp drop in bond yields and mortgage rates, while keeping markets highly sensitive to geopolitical developments and upcoming CPI data.
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.
05-12-2026 "War of Change" or Peace
It's a truth that in every war
Worlds collide, and deals get brokered.
Oil producers shut in wells when they run out of storage, and analysts say Iran will hit its limit in May. So, expect Iran to strike a peace deal. Consequently, assume oil stays below $100, then drifts below $80 by late May.
Meanwhile, look for fireworks in Ukraine to end in July, pushing prices under $70. Cheaper energy supports solid U.S. growth and mild inflation, pulling long‑term rates lower.
I feel it in my veins. These wars are going away.
Everything's about to change.
These views are mine. Join TMSpotlight to see how war news changes mortgage rates.
Song: War of Change (2012) Thousand Foot Krutch
This podcast segment highlights the MBA’s urgent call for mortgage professionals to engage lawmakers and push for critical fixes to housing legislation that could significantly impact FHA lending, affordability, and the future of the mortgage industry.
Adam DeSanctis, VP of Communications at Mortgage Bankers Association
As a strategic public affairs and communications executive with nearly two decades of experience, Adam has deep expertise in strategy, management, and media relations. He is widely considered to be an expert in a variety of communications, including advocacy, brand, executive, crisis, grassroots, and social media. In his career, he has been the MBA spokesperson on a wide variety of real estate research and advocacy-related issues, promoted MBA research and advocacy efforts to financial, political, and trade industry media and on MBA's social media channels, and secured media opportunities for MBA leadership on key real estate trends and issues, generated media coverage for MBA's research and data on mortgage applications, credit availability, homebuilder applications, mortgage forbearance/delinquencies, commercial real estate originations, and forecasts, and other industry analysis, developed key strategic initiatives for MBA's organizational public affairs plan, media relations and member communications support for mPower, MBA's Opens Doors Foundation and MBA's Diversity, Equity, and Inclusion program.
The financial services industry is entering a transformation unlike anything seen since the rise of the internet. In this episode of Lykken on Lending, David Lykken sits down with AI innovator Pavan Agarwal to discuss the emergence of “self-driving mortgages” — fully autonomous lending systems powered by advanced transactional AI. From AI-driven underwriting and servicing to blockchain-enabled financial infrastructure, the conversation examines how autonomous technology is reducing friction, lowering costs, and expanding financial access at a global scale. Pavan shares the decades-long journey behind Angel AI, explains why reliability is the missing link in most modern AI systems, and outlines how autonomous finance could unlock trillions of dollars in economic opportunity. If you want to understand where mortgage banking, fintech, and AI are heading next, this episode provides a compelling look into the future of lending.
Artificial Intelligence is no longer a future concept for the mortgage industry—it’s becoming a competitive advantage in real time. In tomorrow’s LinkedIn Live, David Lykken sits down with Garrett Locklear, founder of Candid and one of the industry’s most innovative loan originators, for a fascinating conversation about how AI agents, workflow automation, and hyper-personalized marketing are transforming mortgage sales and operations. From replacing repetitive administrative tasks with AI-powered automation to creating market-specific newsletters and blogs that dramatically increase engagement, Garrett shares practical examples of how lenders can use AI thoughtfully to improve efficiency, reduce costs, and deepen client relationships. The discussion also tackles one of the industry’s biggest challenges—data silos—and why solving that issue may determine which companies truly benefit from AI in the years ahead. If you want to understand where mortgage technology is heading and how to position yourself ahead of the curve, this is a conversation you won’t want to miss.
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.
The mortgage industry is navigating a delicate balancing act as rising rates, geopolitical instability, oil market volatility, and economic uncertainty continue to pressure financial markets. Yet despite growing concerns over inflation, Treasury yields, and the long-term impact of global conflict, many mortgage leaders remain surprisingly optimistic about production volume and pipeline strength. In this weekly commentary, industry experts discuss the market forces driving mortgage rates higher, the potential economic fallout from prolonged instability in the Middle East, and why many lenders still believe housing demand and borrower activity will remain resilient in the months ahead.
This podcast segment explores how AI is transforming productivity, decision-making, and personalized insights while raising important concerns about accuracy, overreliance, and the need for human fact-checking and judgment.
------------------------------------------------------------------------------------------------------Marc Helm, CEO, and AuthorMarc Helm serves as a Principal Partner at Transformational Mortgage Solutions, bringing over 46 years of extensive experience in the financial services and mortgage banking industry. Currently serving as the President and CEO of both ReverseAmerica Advisors, Inc. and Mortgage Consultants of America (MCA), Marc has established a proven track record of leadership and accomplishments, both within and beyond the mortgage banking sector.
In his notable role as the former President and Chief Executive Officer of Reverse Mortgage Solutions, Inc. (RMS), Marc played a pivotal role in steering RMS to become one of the largest Ginnie Mae Securitizers, originators, and servicers/sub servicers in the reverse mortgage industry. His influence has reached various key positions in the industry, including serving as Chairman of the Mortgage Bankers Association (MBA) Loan Administration Committee and Chairman of the MBA Technology Committee. Recognizing his expertise, he has been honored with memberships in prestigious advisory boards such as the Fidelity (LPS) Information Systems Mortgage Servicing Advisory Board and the National Reverse Mortgage Lender Association’s (NRMLA) Board of Directors.
Marc's commitment to community involvement and philanthropy is evident in his roles as a Board Member of the American Heart Association (AHA), his past chairmanship of the AHA's "Open Your Heart Campaign" for the Paul "Bear" Bryant National Coach of The Year Award, and his service on the boards of additional organizations such as The Helm Foundation. His dedicated support extends to various causes, including initiatives for children, veterans, military service organizations, and the welfare of homeless mothers and children.
Marc's dedication to philanthropy is complemented by his prior involvement in various committees and campaigns, such as his role as the Former Chairman for the Houston Area Special Olympics Campaign and Former Chairman of the Houston Area United Way Campaign.
Beyond his professional achievements and community engagement, Marc Helm is a family man, celebrating 49 years of marriage to Sallie Fortner Helm. Together, they have two children, Thomas Charles Helm and Dr. Jean Ann Helm Allen, and five grandchildren. Holding a BS Degree (Summa Cum Laude) and an MS Degree from Troy University, Marc showcases his commitment to education and continuous learning. Currently pursuing a PHD in Organizational Psychology, Marc Helm's multifaceted expertise, leadership roles, and philanthropic contributions make him an invaluable Principal Partner at Transformational Mortgage Solutions and reinforces his active role as a Co-Host of the “Lykken on Lending” Podcast.
This podcast segment explores how mortgage lenders are adopting AI and automation to improve workflows, borrower engagement, and operational efficiency while highlighting the risks of scaling flawed processes without proper training and strategy.
Allen Pollack, Tech ConsultantAllen 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.
This is the last part of the 3-part podcast episode with LoanWorks that explores how AI and automation are fundamentally reshaping the role of the modern loan officer. David Lykken and Pavan Agrawal discuss the shift away from administrative “busy work” and toward relationship-driven mortgage origination. Through stories from top-producing loan officers and real-world operational examples, they explain how AI platforms like Angel AI are reducing emotional and operational friction, improving loan accuracy, and enabling originators to focus on what they do best: building trust, advising borrowers, and growing business.
This podcast segment examines how rising oil prices, geopolitical conflict, increased Treasury issuance, and fiscal pressures are contributing to higher bond yields and continued upward pressure on mortgage rates.
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.
05-05-2026 Running in "Circles"
Rates couldn't turn around
'Til they were upside down
Powell said that he’s gone, yet he’ll be around for a while. Trump underscored that the blockade would last as long as it takes. So, the guessing game remains in place: when will the pressure on Oil prices ease, and will they drag growth more than drive inflation?
The 10-year yield spins in circles between long-standing resistance at 4.50 and a trend reversal at 4.20. The bulls need tangible good news on Oil to break out.
Run away, but we're running in circles. Run away, run away.
These views are mine. Join TMSpotlight to know how circles break.
Song: Circles (2019) Post Malone
This podcast segment breaks down FHFA’s push to modernize mortgage credit scoring through the rollout of VantageScore 4.0 and FICO 10T, aiming to increase competition and expand borrower access.
Adam DeSanctis, VP of Communications at Mortgage Bankers Association
As a strategic public affairs and communications executive with nearly two decades of experience, Adam has deep expertise in strategy, management, and media relations. He is widely considered to be an expert in a variety of communications, including advocacy, brand, executive, crisis, grassroots, and social media. In his career, he has been the MBA spokesperson on a wide variety of real estate research and advocacy-related issues, promoted MBA research and advocacy efforts to financial, political, and trade industry media and on MBA's social media channels, and secured media opportunities for MBA leadership on key real estate trends and issues, generated media coverage for MBA's research and data on mortgage applications, credit availability, homebuilder applications, mortgage forbearance/delinquencies, commercial real estate originations, and forecasts, and other industry analysis, developed key strategic initiatives for MBA's organizational public affairs plan, media relations and member communications support for mPower, MBA's Opens Doors Foundation and MBA's Diversity, Equity, and Inclusion program.
This Hot Topic dives into one of the most complex and consequential moments in mortgage and housing finance, where policy uncertainty, affordability pressure, and rapid AI innovation are colliding. Industry veteran Tim Rood joins to break down what’s really happening inside the Beltway—from why housing continues to take a back seat in Washington, to the structural imbalances between buyers and sellers, to the hidden constraints shaping GSE reform and FHA policy. At the same time, we explore how AI is not just a buzzword but a transformative force that could redefine cost structures, competition, and customer experience across the industry. If you’re trying to make sense of where the market is heading—and how to position yourself ahead of it—this conversation delivers clarity, context, and actionable perspective.
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.
This episode explores a mortgage market caught at the intersection of global uncertainty and potential policy transformation, as geopolitical tensions in the Middle East continue to influence bond markets and interest rate direction while anticipation builds around possible changes in Federal Reserve leadership. With many expecting lower rates—but only if stability returns—industry experts break down how timing, inflation pressures, and energy markets are shaping the outlook. At the same time, a new wave of leadership at the Fed could signal shifts in monetary strategy, communication style, and long-term rate policy. For mortgage professionals, understanding how these macro forces converge is critical to navigating risk, advising clients, and positioning for what could be a pivotal turning point in the market.
This podcast segment explores how rapid AI adoption in mortgage lending is creating innovation opportunities while overwhelming lenders with too many tools and not enough strategic clarity.
Allen Pollack, Tech ConsultantAllen 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.
This podcast segment captures growing industry frustration as lenders and experts question the execution, costs, and real impact of FHFA’s credit scoring rollout despite years of development.
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!
This podcast segment explains how bond markets and mortgage rates remain in a holding pattern as investors wait for clarity on the Iran conflict, with geopolitical headlines outweighing economic data.
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.
04-29-20.26 Europe’s Growth "Headed For A Heartbreak"
Mining came, but US blocked the Oil.
Bye, Iran’s money.
The blockade will lead to the closure of Iran's oil wells and a freeze on revenue. Bonds know that the Strait of Hormuz will open eventually. However, Oil and the Dollar dance to the tune of war headlines.
Iran’s mullahs are pawns of the military, and its civil leaders want to maintain an economic future and stay alive. Leadership confusion causes ups and downs in negotiations. Thus, Europe’s growth feels the pain.
Headed for a heartbreak.
These views are mine.
Join TMSpotlight to know who feels the pain.
Don't you think Oil feels the pain?
Song: Headed For A Heartbreak (1989) Winger
This podcast segment breaks down FHFA’s push to modernize mortgage credit scoring through the rollout of VantageScore 4.0 and FICO 10T, aiming to increase competition and expand borrower access.
Adam DeSanctis, VP of Communications at Mortgage Bankers Association
As a strategic public affairs and communications executive with nearly two decades of experience, Adam has deep expertise in strategy, management, and media relations. He is widely considered to be an expert in a variety of communications, including advocacy, brand, executive, crisis, grassroots, and social media. In his career, he has been the MBA spokesperson on a wide variety of real estate research and advocacy-related issues, promoted MBA research and advocacy efforts to financial, political, and trade industry media and on MBA's social media channels, and secured media opportunities for MBA leadership on key real estate trends and issues, generated media coverage for MBA's research and data on mortgage applications, credit availability, homebuilder applications, mortgage forbearance/delinquencies, commercial real estate originations, and forecasts, and other industry analysis, developed key strategic initiatives for MBA's organizational public affairs plan, media relations and member communications support for mPower, MBA's Opens Doors Foundation and MBA's Diversity, Equity, and Inclusion program.
The mortgage industry isn’t simply adopting AI—it’s undergoing a structural shift in how work actually gets done. In this episode, David Lykken sits down with Troy Kennedy, CEO of LoanWorks, to unpack what really changes when AI is embedded directly into workflow infrastructure. Instead of layering automation onto broken processes, this conversation challenges the industry to rethink coordination, decision-making, and execution from the ground up. The result isn’t just faster loans—it’s a fundamentally different operating model where intelligence guides the workflow, reduces friction, and surfaces issues before they become problems. If you’re still thinking about AI as a tool, this discussion will reframe how you see the future of mortgage operations.
What separates mortgage companies that simply survive from those that truly endure? In this episode, David Lykken sits down with the leadership team behind Alcova Mortgage to unpack the real operating principles behind long-term success. Drawing inspiration from Built to Last, the conversation goes far beyond production numbers and into the core of what actually sustains a company—strong culture, disciplined decision-making, and the willingness to challenge each other in pursuit of better outcomes. From navigating AI without chasing hype to building a culture where employees stay and thrive, this episode offers a blueprint for leaders who want to build something that lasts, not just something that grows.
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.
Global events are once again taking center stage in shaping the direction of mortgage rates, and the impact is anything but straightforward. In this segment, industry experts unpack how ongoing geopolitical tensions, particularly surrounding energy supply and the Strait of Hormuz, are influencing oil prices, inflation expectations, and ultimately interest rates. While there’s a clear desire for rates to move lower, persistent uncertainty and supply-side risks are keeping markets in a holding pattern. The discussion highlights a critical reality for mortgage professionals: external forces beyond traditional economic data are driving market behavior, and understanding these dynamics is key to navigating today’s volatile lending environment.
This podcast segment explores how the rapid rise of AI tools is creating overload and fatigue for mortgage professionals, highlighting the need for focused strategies and simplified adoption to drive real results.
Allen Pollack, Tech ConsultantAllen 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.
This podcast segment reflects on remarkable real-life coincidences that spark a deeper conversation about whether life’s unexpected connections are random or part of a greater design.
------------------------------------------------------------------------------------------------------Marc Helm, CEO, and AuthorMarc Helm serves as a Principal Partner at Transformational Mortgage Solutions, bringing over 46 years of extensive experience in the financial services and mortgage banking industry. Currently serving as the President and CEO of both ReverseAmerica Advisors, Inc. and Mortgage Consultants of America (MCA), Marc has established a proven track record of leadership and accomplishments, both within and beyond the mortgage banking sector.
In his notable role as the former President and Chief Executive Officer of Reverse Mortgage Solutions, Inc. (RMS), Marc played a pivotal role in steering RMS to become one of the largest Ginnie Mae Securitizers, originators, and servicers/sub servicers in the reverse mortgage industry. His influence has reached various key positions in the industry, including serving as Chairman of the Mortgage Bankers Association (MBA) Loan Administration Committee and Chairman of the MBA Technology Committee. Recognizing his expertise, he has been honored with memberships in prestigious advisory boards such as the Fidelity (LPS) Information Systems Mortgage Servicing Advisory Board and the National Reverse Mortgage Lender Association’s (NRMLA) Board of Directors.
Marc's commitment to community involvement and philanthropy is evident in his roles as a Board Member of the American Heart Association (AHA), his past chairmanship of the AHA's "Open Your Heart Campaign" for the Paul "Bear" Bryant National Coach of The Year Award, and his service on the boards of additional organizations such as The Helm Foundation. His dedicated support extends to various causes, including initiatives for children, veterans, military service organizations, and the welfare of homeless mothers and children.
Marc's dedication to philanthropy is complemented by his prior involvement in various committees and campaigns, such as his role as the Former Chairman for the Houston Area Special Olympics Campaign and Former Chairman of the Houston Area United Way Campaign.
Beyond his professional achievements and community engagement, Marc Helm is a family man, celebrating 49 years of marriage to Sallie Fortner Helm. Together, they have two children, Thomas Charles Helm and Dr. Jean Ann Helm Allen, and five grandchildren. Holding a BS Degree (Summa Cum Laude) and an MS Degree from Troy University, Marc showcases his commitment to education and continuous learning. Currently pursuing a PHD in Organizational Psychology, Marc Helm's multifaceted expertise, leadership roles, and philanthropic contributions make him an invaluable Principal Partner at Transformational Mortgage Solutions and reinforces his active role as a Co-Host of the “Lykken on Lending” Podcast.
This podcast segment explores how rising loan pipelines are colliding with industry fatigue, driving a wave of consolidation as some mortgage lenders scale for growth while others choose to exit.
David G. Kittle, CMB is a highly respected leader in the mortgage industry, with over 45 years of experience. He is the Co-Founder and Chairman of The Mortgage Collaborative (TMC), a mortgage lending cooperative providing members with access to resources and tools to improve their business operations.
Kittle began his mortgage banking career with American Fletcher Mortgage Company as a top-producing loan officer in 1978 moving to the management side in 1986 with Southmark Mortgage. He opened Associates Mortgage Group, the first of his three lending companies in 1994.
Kittle served as MORPAC Chairman for MBA, from 2004-2006. He is past President of both the Louisville and Kentucky Mortgage Bankers Associations, as well as leading the industry through its most tumultuous period as Chairman of the Mortgage Bankers Association, Washington DC in 2009. Kittle has testified before congress 14 times.
Kittle has been a driving force behind the growth and success of TMC, working to bring together mortgage lenders from across the country to share best practices and collaborate on key industry issues. Kittle has also been a vocal advocate for innovation and technology adoption in the mortgage industry, urging lenders to embrace new tools and strategies to improve their operations and better serve their customers.
Kittle is a frequent speaker at industry events and conferences, sharing his expertise on a variety of topics related to mortgage lending.
He resides in Louisville, Kentucky, he has four children and two grandchildren.
This podcast segment explores how rising AI adoption is creating new compliance, liability, and operational risks for mortgage lenders, requiring stronger governance, oversight, and risk management strategies.
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!
This podcast segment explains how ongoing war-driven headlines and market fatigue are keeping mortgage rates range-bound despite shifting oil prices and largely ignored economic data.
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.
4-21-2026 "You Spin Me Round" The Strait of Hormuz
Iran, you get to know the game.
The blockade caused Iran to see the end of its oil revenue. So, the civilian leadership agreed not to impede any ships passing through the Strait of Hormuz and to surrender their nuclear material. Oil and mortgage rates fell.
Over the weekend, the military declared the Strait closed to get the US to stop the blockade. Expect the 10-year yield to spin around between 4.40 and 4.10 until the deal is done and action proves it. Each side feels like.
You spin me right round, baby
Right round like a record, baby
Right round, round, round
These views are mine. Join TMSpotlight to know when the deal round is right.
Song: You Spin Me Round (Like a Record) (1985) Dead Or Alive
This first installment in a three-part series challenges one of the most repeated narratives in mortgage today—that the industry is “broken.” Drawing on decades of perspective, David Lykken reframes today’s pressures not as failure, but as the natural result of an operating model that has been pushed beyond its original design. While the legacy model was built for volume, headcount, and manual control, today’s environment demands intelligence, leverage, and speed. This episode is not about technology—it’s about structure. Why have years of tech investment failed to materially improve outcomes? What’s the difference between modernizing versus rebuilding? And how can leaders tell if they’re solving surface issues or addressing something deeper? This conversation establishes a critical lens for understanding the transformation already underway—and why the future of mortgage will not be built through incremental fixes, but through fundamental redesign.
This podcast segment breaks down the proposed 2027 federal budget, highlighting significant HUD funding cuts alongside targeted FHA support and what it could mean for the mortgage industry.
Adam DeSanctis, VP of Communications at Mortgage Bankers Association
As a strategic public affairs and communications executive with nearly two decades of experience, Adam has deep expertise in strategy, management, and media relations. He is widely considered to be an expert in a variety of communications, including advocacy, brand, executive, crisis, grassroots, and social media. In his career, he has been the MBA spokesperson on a wide variety of real estate research and advocacy-related issues, promoted MBA research and advocacy efforts to financial, political, and trade industry media and on MBA's social media channels, and secured media opportunities for MBA leadership on key real estate trends and issues, generated media coverage for MBA's research and data on mortgage applications, credit availability, homebuilder applications, mortgage forbearance/delinquencies, commercial real estate originations, and forecasts, and other industry analysis, developed key strategic initiatives for MBA's organizational public affairs plan, media relations and member communications support for mPower, MBA's Opens Doors Foundation and MBA's Diversity, Equity, and Inclusion program.
This Weekly AI Update explores dives into one of the most critical—and misunderstood—realities in today’s AI race: technology alone is not a competitive advantage. As companies rush to cut costs and automate workflows, many are unknowingly eroding the very thing that drives long-term success—human capital. Drawing from real-world examples, including a powerful Fast Company article and lessons from Toyota’s legendary operating model, this episode breaks down why AI must be paired with human intelligence to create sustainable value. If you're a leader in mortgage, fintech, or any service-driven business, this conversation will challenge how you're thinking about AI—and more importantly, how you're implementing it.
Lenders today are under constant pressure to increase margins without increasing volume—but what if the answer is already sitting inside your existing pipeline? This episode dives into one of the most overlooked opportunities in the mortgage industry: capturing title revenue from your current book of business. Industry experts break down how lenders, brokers, and real estate professionals are turning closings into consistent, “stackable” income streams while also building a sellable asset with significant enterprise value. From minimal startup costs to high capture rates and operational support, this conversation reveals why more forward-thinking companies are taking control of the closing process—and why those who don’t may be leaving serious money on the table.
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.
This podcast segment breaks down the industry’s most significant appraisal changes in years, highlighting what lenders must do now to prepare for the upcoming URAR and UAD 3.6 transition.
Adam DeSanctis, VP of Communications at Mortgage Bankers Association
As a strategic public affairs and communications executive with nearly two decades of experience, Adam has deep expertise in strategy, management, and media relations. He is widely considered to be an expert in a variety of communications, including advocacy, brand, executive, crisis, grassroots, and social media. In his career, he has been the MBA spokesperson on a wide variety of real estate research and advocacy-related issues, promoted MBA research and advocacy efforts to financial, political, and trade industry media and on MBA's social media channels, and secured media opportunities for MBA leadership on key real estate trends and issues, generated media coverage for MBA's research and data on mortgage applications, credit availability, homebuilder applications, mortgage forbearance/delinquencies, commercial real estate originations, and forecasts, and other industry analysis, developed key strategic initiatives for MBA's organizational public affairs plan, media relations and member communications support for mPower, MBA's Opens Doors Foundation and MBA's Diversity, Equity, and Inclusion program.
This Weekly AI Update explores a powerful and unconventional question—Does God play dice with your business?—as Pavan Agarwal breaks down the true nature of AI, risk, and decision-making in today’s rapidly evolving landscape. Stripping away the hype, he reveals that AI isn’t magic at all, but deeply rooted in over a century of mathematical principles like probability and Markov chains. For mortgage professionals and business leaders, the real takeaway is practical: success in an AI-driven world comes from focusing on present data, making clear-headed decisions, and leveraging tools that amplify productivity. This episode challenges listeners to rethink uncertainty—not as chaos, but as something measurable, manageable, and ultimately, winnable.
The mortgage market may be constrained by rate lock-in, but a powerful shift is underway—home equity lending is emerging as one of the most significant growth opportunities in the industry today. As borrowers hold onto historically low first mortgage rates, they’re increasingly turning to HELOCs and home equity loans to access the wealth built in their homes. In this episode, we explore the data behind this surge, the operational and technology challenges holding lenders back, and how forward-thinking organizations are transforming their processes to deliver faster, more seamless borrower experiences. If you’re looking to stay competitive and unlock new revenue streams in today’s market, this conversation is essential listening.
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.
The mortgage market may be facing a far more complex risk than typical rate cycles, as global conflict and energy supply disruptions introduce the possibility of a new inflation shock. With tensions surrounding key oil shipping routes like the Strait of Hormuz, the ripple effects extend well beyond fuel prices—impacting global supply chains, economic growth, and ultimately interest rates. What makes this moment particularly unique is the potential for a split in rate behavior, where short-term rates could fall due to slowing economic activity while long-term rates rise on persistent inflation concerns. In this segment, industry experts unpack this unconventional scenario and what it could mean for mortgage professionals navigating an increasingly uncertain and interconnected global market.
This podcast segment explains how AI is rapidly transforming mortgage lending by moving beyond simple automation to power end-to-end workflows and emerging as a full operating system for the industry.
Allen Pollack, Tech ConsultantAllen 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.
This podcast segment explains why the mortgage industry is advocating for HMDA reform to reduce compliance burdens, clarify regulatory expectations, and minimize costly reporting risks.
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!
This podcast segment breaks down how volatile oil prices, a stronger-than-expected jobs report, and mixed economic signals are keeping bond markets range-bound while leaving mortgage rate direction uncertain.
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.
04.07.26 Oil and Bombs "Gangnam Style"
Warning Gunmen style, uh, Gunmen style. Drop bombs; make a deal, Gunmen style.
Without a lot of stirring, Oil and Bombs, oops, Bonds don’t mix for long. The US will not spend blood and treasure to guarantee the free flow of shipping through the Strait of Hormuz. The US military has defanged the terrorist regime's threat to the USA.
So, will Trump destroy Iran’s money-making Oil industry to topple the regime? It depends on China, Russia, and the Arab states constructing a negotiated settlement acceptable to the US.
Without one,
You let them know…bombs away.
These views are mine. Join TMSpotlight to know when new money acts up.
This podcast segment breaks down the proposed 2027 federal budget, highlighting significant HUD funding cuts alongside targeted FHA support and what it could mean for the mortgage industry.
Adam DeSanctis, VP of Communications at Mortgage Bankers Association
As a strategic public affairs and communications executive with nearly two decades of experience, Adam has deep expertise in strategy, management, and media relations. He is widely considered to be an expert in a variety of communications, including advocacy, brand, executive, crisis, grassroots, and social media. In his career, he has been the MBA spokesperson on a wide variety of real estate research and advocacy-related issues, promoted MBA research and advocacy efforts to financial, political, and trade industry media and on MBA's social media channels, and secured media opportunities for MBA leadership on key real estate trends and issues, generated media coverage for MBA's research and data on mortgage applications, credit availability, homebuilder applications, mortgage forbearance/delinquencies, commercial real estate originations, and forecasts, and other industry analysis, developed key strategic initiatives for MBA's organizational public affairs plan, media relations and member communications support for mPower, MBA's Opens Doors Foundation and MBA's Diversity, Equity, and Inclusion program.
This podcast episode explores a powerful yet underutilized strategy for mortgage lenders to unlock new revenue and long-term enterprise value by launching their own title operations. David Lykken sits down with Joe D’Urso to break down how lenders, branches, and high-performing teams can move beyond traditional joint ventures and instead build fully owned, RESPA-compliant title businesses that generate recurring income while creating a sellable asset. The conversation dives into how this model enhances control over the customer experience, improves operational efficiency through modern technology, and opens the door to scalable growth—making it a compelling opportunity for lenders looking to maximize profitability in today’s competitive 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 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.
In today’s unpredictable mortgage environment, it’s easy to get caught up in headlines about inflation, oil prices, and rate volatility—but this episode delivers a much-needed reality check. Industry veterans share why market swings are nothing new and reinforce that long-term success isn’t driven by trying to predict rates, but by consistent execution. The conversation highlights a critical shift in mindset: focus on what you can control—your communication, your customer relationships, and your business strategy. From smarter portfolio management to more meaningful borrower engagement, the message is clear—those who stay disciplined and proactive will outperform, regardless of what the market throws their way.
This podcast segment discusses the growing surge in scam calls and fraudulent outreach, highlighting the impact on consumer trust and why mortgage professionals must be more intentional in how they communicate with borrowers.
------------------------------------------------------------------------------------------------------Marc Helm, CEO, and AuthorMarc Helm serves as a Principal Partner at Transformational Mortgage Solutions, bringing over 46 years of extensive experience in the financial services and mortgage banking industry. Currently serving as the President and CEO of both ReverseAmerica Advisors, Inc. and Mortgage Consultants of America (MCA), Marc has established a proven track record of leadership and accomplishments, both within and beyond the mortgage banking sector.
In his notable role as the former President and Chief Executive Officer of Reverse Mortgage Solutions, Inc. (RMS), Marc played a pivotal role in steering RMS to become one of the largest Ginnie Mae Securitizers, originators, and servicers/sub servicers in the reverse mortgage industry. His influence has reached various key positions in the industry, including serving as Chairman of the Mortgage Bankers Association (MBA) Loan Administration Committee and Chairman of the MBA Technology Committee. Recognizing his expertise, he has been honored with memberships in prestigious advisory boards such as the Fidelity (LPS) Information Systems Mortgage Servicing Advisory Board and the National Reverse Mortgage Lender Association’s (NRMLA) Board of Directors.
Marc's commitment to community involvement and philanthropy is evident in his roles as a Board Member of the American Heart Association (AHA), his past chairmanship of the AHA's "Open Your Heart Campaign" for the Paul "Bear" Bryant National Coach of The Year Award, and his service on the boards of additional organizations such as The Helm Foundation. His dedicated support extends to various causes, including initiatives for children, veterans, military service organizations, and the welfare of homeless mothers and children.
Marc's dedication to philanthropy is complemented by his prior involvement in various committees and campaigns, such as his role as the Former Chairman for the Houston Area Special Olympics Campaign and Former Chairman of the Houston Area United Way Campaign.
Beyond his professional achievements and community engagement, Marc Helm is a family man, celebrating 49 years of marriage to Sallie Fortner Helm. Together, they have two children, Thomas Charles Helm and Dr. Jean Ann Helm Allen, and five grandchildren. Holding a BS Degree (Summa Cum Laude) and an MS Degree from Troy University, Marc showcases his commitment to education and continuous learning. Currently pursuing a PHD in Organizational Psychology, Marc Helm's multifaceted expertise, leadership roles, and philanthropic contributions make him an invaluable Principal Partner at Transformational Mortgage Solutions and reinforces his active role as a Co-Host of the “Lykken on Lending” Podcast.
This podcast segment explores how emerging AI tools and “vibe coding” are creating new data security and compliance risks for mortgage lenders, especially around borrower information and vendor access.
Allen Pollack, Tech ConsultantAllen 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.
This podcast segment explains why the mortgage industry is advocating for HMDA reform to reduce compliance burdens, clarify regulatory expectations, and minimize costly reporting risks.
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!
This podcast segment breaks down how rising inflation signals, hawkish Fed messaging, and surging oil prices triggered a sharp bond market sell-off that pushed mortgage rates higher.
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.
3-31-2026 Stagflation Needs a "Wonderwall"
And all the roads that Iran walks are winding.
And all the lights that lead them there are blinding
Price action in currencies, commodities, and energy anticipates long-term safe passage through the Strait of Hormuz.
Bonds like a sidelined Fed. But no one likes the inflation consequences of sustained Oil prices, and their drag on growth. Stagflation gains popularity.
Expect an attack on 4.52 in the 10-year yield. However, a drop in May Crude Oil to 90 pushes the bears back into the 4.40-4.10 range.
Trump’s our Wonderwall
These views are mine. Join TMSpotlight and discover your Wonderwall.
Song: Wonderwall (1995) Oasis
This podcast segment highlights the MBA’s push for VA loan reforms aimed at lowering costs, improving flexibility, and strengthening support for veteran homeowners.
Adam DeSanctis, VP of Communications at Mortgage Bankers Association
As a strategic public affairs and communications executive with nearly two decades of experience, Adam has deep expertise in strategy, management, and media relations. He is widely considered to be an expert in a variety of communications, including advocacy, brand, executive, crisis, grassroots, and social media. In his career, he has been the MBA spokesperson on a wide variety of real estate research and advocacy-related issues, promoted MBA research and advocacy efforts to financial, political, and trade industry media and on MBA's social media channels, and secured media opportunities for MBA leadership on key real estate trends and issues, generated media coverage for MBA's research and data on mortgage applications, credit availability, homebuilder applications, mortgage forbearance/delinquencies, commercial real estate originations, and forecasts, and other industry analysis, developed key strategic initiatives for MBA's organizational public affairs plan, media relations and member communications support for mPower, MBA's Opens Doors Foundation and MBA's Diversity, Equity, and Inclusion program.
This episode dives into one of the most important shifts happening in the mortgage industry today: the rise of the “citizen developer” and the acceleration of AI-driven innovation. As technology evolves at an unprecedented pace, forward-thinking lenders are no longer waiting on vendors to build solutions—they’re creating their own. In this conversation, we explore how AI is empowering mortgage professionals to automate workflows, integrate new tools in hours, and fundamentally rethink how loan origination and servicing operate. From improving productivity to gaining a competitive edge in MSR strategy and recapture, this discussion highlights what it takes to stay relevant—and win—in a rapidly 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 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.
In today’s mortgage environment, volatility isn’t just a headline—it’s a real and immediate risk to your pipeline. In this segment, industry leaders break down why unpredictable rate movements, driven by global events and after-hours market shifts, are making it nearly impossible to accurately time the market. The conversation highlights a critical takeaway for loan officers and lenders alike: disciplined rate lock strategies are no longer optional—they’re essential. While optimism remains strong and pipelines are still growing, even small lapses in execution or “waiting for a better rate” can lead to costly consequences. For mortgage professionals navigating today’s uncertainty, this discussion is a timely reminder that success hinges on managing risk, not guessing direction.
In today’s mortgage landscape, uncertainty has become the only constant. From geopolitical instability and oil-driven inflation to unpredictable interest rate movements, market conditions are shifting faster than ever—and traditional indicators are offering less clarity. In this segment, industry experts unpack why no lender truly has a competitive advantage in this environment and how that reality creates opportunity for those who stay focused on execution. With housing markets behaving differently across regions and borrower behavior evolving, success now depends less on forecasting and more on adaptability, strong pipeline management, and delivering exceptional borrower experiences. The message is clear: in a market defined by volatility, disciplined action and a positive, forward-thinking mindset can set you apart.
This podcast segment explores how agentic AI is rapidly evolving from a support tool into an autonomous “digital coworker” that can execute tasks, streamline operations, and transform mortgage workflows.
Allen Pollack, Tech ConsultantAllen 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.
This podcast segment explains why despite evolving Department of Labor guidance, loan officers still face significant legal, regulatory, and structural barriers to being classified as independent 1099 contractors.
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!
This podcast segment explains how shifting Fed expectations, rising inflation signals, and Middle East tensions triggered sharp swings in bond yields and mortgage rates.
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.
03-24-2026 War and "Basketball Jones" Brings March Madness
Basketball Jones, Jay’s got a Basketball Jones. Got a Dribble-Hawk Jones, Oil maybe, too-oo-ooo.
Dribbling around inflation rebounds, war zone-defense, oil technicals, and foul growth prospects yield no final four results. The Sweet Sixteen only flirts with conclusions about inflation, war, Oil, and growth, and which dominates rates. Even implied volatility leads to a jump ball.
When fundamentals are vulnerable to overtime war, rate forecasting is no slam dunk. So, don't get caught off guard with a fast break.
Basketball Jones.
These views are mine. Beat the buzzer by getting TMSpotlight.
Song: Basketball Jones (1973) Cheech & Chong
This podcast segment highlights how the revised Basel III proposal delivers meaningful capital relief for mortgage servicing, lending, and credit availability following years of industry advocacy.
Adam DeSanctis, VP of Communications at Mortgage Bankers Association
As a strategic public affairs and communications executive with nearly two decades of experience, Adam has deep expertise in strategy, management, and media relations. He is widely considered to be an expert in a variety of communications, including advocacy, brand, executive, crisis, grassroots, and social media. In his career, he has been the MBA spokesperson on a wide variety of real estate research and advocacy-related issues, promoted MBA research and advocacy efforts to financial, political, and trade industry media and on MBA's social media channels, and secured media opportunities for MBA leadership on key real estate trends and issues, generated media coverage for MBA's research and data on mortgage applications, credit availability, homebuilder applications, mortgage forbearance/delinquencies, commercial real estate originations, and forecasts, and other industry analysis, developed key strategic initiatives for MBA's organizational public affairs plan, media relations and member communications support for mPower, MBA's Opens Doors Foundation and MBA's Diversity, Equity, and Inclusion program.
The mortgage industry is facing a critical inflection point—millions of qualified buyers remain on the sidelines, not affordability alone, but due to a deep lack of trust and financial understanding. In this episode, industry leaders Kristin Messerli and Dave Savage unpack a powerful solution: leading with education to unlock the next generation of homebuyers. Through initiatives like FirstHomeIQ’s ambassador and advocacy programs, they reveal how loan officers can move beyond transactions to become trusted advisors, community educators, and even policy influencers. The conversation highlights a massive opportunity—over 10 million potential buyers waiting for guidance—and makes a compelling case that the future of mortgage growth will belong to those who prioritize trust, literacy, and long-term impact.
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.
This podcast segment explores how emerging AI tools, automation platforms, and even AI-to-human marketplaces are reshaping mortgage technology while raising important questions about keeping the borrower experience at the center of innovation.
Allen Pollack, Tech ConsultantAllen 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.
This podcast segment takes a candid look at recent housing executive orders, questioning their real impact while highlighting ongoing policy gaps and the challenges facing community banks under current regulations.
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!
This podcast segment explains how rising mortgage rates are being driven not just by oil and geopolitical tensions, but also by inflation expectations, heavy bond supply, and shifting market dynamics ahead of the Fed.
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.
03-16-2026 "Grenade"
Easy come, easy go, that's how terrorists live
Oh, take, take, take it all, but they never give.
Near-term, bears win, but when Oil flows smoothly, then watch Oil prices and rates fall. The new trend is bearish, driven by war-induced Oil inflation and spotty global growth prospects, leading the market to expect the Fed will ease later.
Future rates depend on how quickly the US military can ensure safe passage for ships through the Strait of Hormuz. Will the Marines secure Kharg Island?
These views are mine. Understand moves by getting TMSpotlight at les@parkerandcompany.net
But Marines, they’d still catch a grenade for ya (yeah, yeah, yeah)
Throw their hand on a blade for ya (yeah, yeah, yeah)
They’d jump in front of a train for ya (yeah, yeah, yeah)
Song: Grenade (2010) Bruno Mars
This podcast segment covers key developments in Washington, including new housing legislation, upcoming Basel III reforms, and executive orders aimed at expanding housing supply and improving mortgage market efficiency.
Adam DeSanctis, VP of Communications at Mortgage Bankers Association
As a strategic public affairs and communications executive with nearly two decades of experience, Adam has deep expertise in strategy, management, and media relations. He is widely considered to be an expert in a variety of communications, including advocacy, brand, executive, crisis, grassroots, and social media. In his career, he has been the MBA spokesperson on a wide variety of real estate research and advocacy-related issues, promoted MBA research and advocacy efforts to financial, political, and trade industry media and on MBA's social media channels, and secured media opportunities for MBA leadership on key real estate trends and issues, generated media coverage for MBA's research and data on mortgage applications, credit availability, homebuilder applications, mortgage forbearance/delinquencies, commercial real estate originations, and forecasts, and other industry analysis, developed key strategic initiatives for MBA's organizational public affairs plan, media relations and member communications support for mPower, MBA's Opens Doors Foundation and MBA's Diversity, Equity, and Inclusion program.
This Weekly AI Update tackles one of the most misunderstood topics in technology today: the gap between AI hype and reality. Following headlines about thousands of layoffs attributed to AI, Pavan Agarwal and I break down what’s really happening behind the scenes—and why large language models like ChatGPT don’t actually “think,” but instead process and predict. We explore where AI is delivering massive productivity gains, where it can quietly lead users astray, and why understanding this distinction is critical for business leaders, especially in high-stakes industries like lending. If you’re using AI—or planning to—this conversation will help you cut through the noise and apply it with clarity and confidence.
What if your most valuable asset isn’t your home, your savings, or your investments—but your data? In this eye-opening conversation, David Lykken sits down with innovators Pavan Agarwal and Damon Burrows to unpack how breakthroughs in AI, blockchain, and medical imaging are reshaping the global economy. From owning your medical records to securely storing and licensing your data through digital wallets, this episode reveals a future where individuals—not big tech—control and profit from their personal information. As healthcare, finance, and technology converge, the idea of “data as income” is no longer theoretical—it’s quickly becoming reality.
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.
This podcast segment explores the growing tension between AI’s ability to dramatically boost productivity and the potential risks of overreliance, including privacy concerns, data profiling, and people increasingly trusting AI for advice and decision-making.
------------------------------------------------------------------------------------------------------Marc Helm, CEO, and AuthorMarc Helm serves as a Principal Partner at Transformational Mortgage Solutions, bringing over 46 years of extensive experience in the financial services and mortgage banking industry. Currently serving as the President and CEO of both ReverseAmerica Advisors, Inc. and Mortgage Consultants of America (MCA), Marc has established a proven track record of leadership and accomplishments, both within and beyond the mortgage banking sector.
In his notable role as the former President and Chief Executive Officer of Reverse Mortgage Solutions, Inc. (RMS), Marc played a pivotal role in steering RMS to become one of the largest Ginnie Mae Securitizers, originators, and servicers/sub servicers in the reverse mortgage industry. His influence has reached various key positions in the industry, including serving as Chairman of the Mortgage Bankers Association (MBA) Loan Administration Committee and Chairman of the MBA Technology Committee. Recognizing his expertise, he has been honored with memberships in prestigious advisory boards such as the Fidelity (LPS) Information Systems Mortgage Servicing Advisory Board and the National Reverse Mortgage Lender Association’s (NRMLA) Board of Directors.
Marc's commitment to community involvement and philanthropy is evident in his roles as a Board Member of the American Heart Association (AHA), his past chairmanship of the AHA's "Open Your Heart Campaign" for the Paul "Bear" Bryant National Coach of The Year Award, and his service on the boards of additional organizations such as The Helm Foundation. His dedicated support extends to various causes, including initiatives for children, veterans, military service organizations, and the welfare of homeless mothers and children.
Marc's dedication to philanthropy is complemented by his prior involvement in various committees and campaigns, such as his role as the Former Chairman for the Houston Area Special Olympics Campaign and Former Chairman of the Houston Area United Way Campaign.
Beyond his professional achievements and community engagement, Marc Helm is a family man, celebrating 49 years of marriage to Sallie Fortner Helm. Together, they have two children, Thomas Charles Helm and Dr. Jean Ann Helm Allen, and five grandchildren. Holding a BS Degree (Summa Cum Laude) and an MS Degree from Troy University, Marc showcases his commitment to education and continuous learning. Currently pursuing a PHD in Organizational Psychology, Marc Helm's multifaceted expertise, leadership roles, and philanthropic contributions make him an invaluable Principal Partner at Transformational Mortgage Solutions and reinforces his active role as a Co-Host of the “Lykken on Lending” Podcast.
Global events are once again taking center stage in the mortgage market. In this segment, industry leaders discuss how escalating tensions in the Middle East and rising oil prices are influencing bond markets and mortgage rates—often overriding traditional economic signals. The conversation explores why today’s markets aren’t responding to geopolitical conflict the same way they historically have, the role of global currency confidence and BRICS dynamics, and how energy disruptions could shape inflation and rate trends in the months ahead. For mortgage professionals and housing market watchers, the takeaway is clear: while rates remain in a familiar trading range for now, geopolitical forces and energy markets could play a much larger role in determining where mortgage rates go next.
This podcast segment discusses the growing debate over whether the federal government should restrict institutional investors from buying single-family homes or if housing policy decisions should remain at the local and state level.------------------------------------------------------------------
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!
This podcast segment explains how escalating tensions with Iran and surging oil prices are fueling inflation fears, pushing Treasury yields higher and driving mortgage rates upward despite mixed economic data.
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.
03.10.2026 "Soul Power" and Sole Control
What bulls need? (Sole power) What bears want? (Sole power) Fed don’t have. (Sole power), What they want? (Sole power)
The legacy puppet masters want to control Iran, but the new multipolar US wants it free of terrorist power and the Persians free to choose. What will a successful Operation Epic Fury signify?
Rates will go down down down down down.
A multipolar world means many kingdoms. BRICS led by Russia and China with people and AI, Europe with arrogance and consumer might, and the US as king of the western hemisphere. A new world of competing powers improves capitalism.
If they don't get it, expect more war.
These views are mine. Make good moves by signing up at les@parkerandcompany.net
NOTE TO ALL: To sign-up send your contact information to les@parkerandcompany.net. In March, we will be making content delivery changes, so get on board now.
This podcast segment explains the administration’s push to restrict large institutional investors from purchasing single-family homes and highlights the Mortgage Bankers Association’s concerns about potential unintended consequences for rental housing supply, mortgage servicing, and overall housing affordability.
Adam DeSanctis, VP of Communications at Mortgage Bankers Association
As a strategic public affairs and communications executive with nearly two decades of experience, Adam has deep expertise in strategy, management, and media relations. He is widely considered to be an expert in a variety of communications, including advocacy, brand, executive, crisis, grassroots, and social media. In his career, he has been the MBA spokesperson on a wide variety of real estate research and advocacy-related issues, promoted MBA research and advocacy efforts to financial, political, and trade industry media and on MBA's social media channels, and secured media opportunities for MBA leadership on key real estate trends and issues, generated media coverage for MBA's research and data on mortgage applications, credit availability, homebuilder applications, mortgage forbearance/delinquencies, commercial real estate originations, and forecasts, and other industry analysis, developed key strategic initiatives for MBA's organizational public affairs plan, media relations and member communications support for mPower, MBA's Opens Doors Foundation and MBA's Diversity, Equity, and Inclusion program.
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.
Global headlines can move markets quickly, but not every geopolitical event has a lasting impact on mortgage rates. In this segment, the panel unpacks how recent tensions in the Middle East, shifts in oil prices, and movements in the 10-year Treasury are influencing market sentiment. While early reactions can cause volatility, the discussion emphasizes the importance of separating headline-driven market moves from longer-term economic fundamentals. Mortgage professionals are encouraged to stay focused on serving borrowers and watching real market indicators rather than reacting to every news cycle.
This podcast segment explores the growing tension between AI’s ability to dramatically boost productivity and the potential risks of overreliance, including privacy concerns, data profiling, and people increasingly trusting AI for advice and decision-making.
------------------------------------------------------------------------------------------------------Marc Helm, CEO, and AuthorMarc Helm serves as a Principal Partner at Transformational Mortgage Solutions, bringing over 46 years of extensive experience in the financial services and mortgage banking industry. Currently serving as the President and CEO of both ReverseAmerica Advisors, Inc. and Mortgage Consultants of America (MCA), Marc has established a proven track record of leadership and accomplishments, both within and beyond the mortgage banking sector.
In his notable role as the former President and Chief Executive Officer of Reverse Mortgage Solutions, Inc. (RMS), Marc played a pivotal role in steering RMS to become one of the largest Ginnie Mae Securitizers, originators, and servicers/sub servicers in the reverse mortgage industry. His influence has reached various key positions in the industry, including serving as Chairman of the Mortgage Bankers Association (MBA) Loan Administration Committee and Chairman of the MBA Technology Committee. Recognizing his expertise, he has been honored with memberships in prestigious advisory boards such as the Fidelity (LPS) Information Systems Mortgage Servicing Advisory Board and the National Reverse Mortgage Lender Association’s (NRMLA) Board of Directors.
Marc's commitment to community involvement and philanthropy is evident in his roles as a Board Member of the American Heart Association (AHA), his past chairmanship of the AHA's "Open Your Heart Campaign" for the Paul "Bear" Bryant National Coach of The Year Award, and his service on the boards of additional organizations such as The Helm Foundation. His dedicated support extends to various causes, including initiatives for children, veterans, military service organizations, and the welfare of homeless mothers and children.
Marc's dedication to philanthropy is complemented by his prior involvement in various committees and campaigns, such as his role as the Former Chairman for the Houston Area Special Olympics Campaign and Former Chairman of the Houston Area United Way Campaign.
Beyond his professional achievements and community engagement, Marc Helm is a family man, celebrating 49 years of marriage to Sallie Fortner Helm. Together, they have two children, Thomas Charles Helm and Dr. Jean Ann Helm Allen, and five grandchildren. Holding a BS Degree (Summa Cum Laude) and an MS Degree from Troy University, Marc showcases his commitment to education and continuous learning. Currently pursuing a PHD in Organizational Psychology, Marc Helm's multifaceted expertise, leadership roles, and philanthropic contributions make him an invaluable Principal Partner at Transformational Mortgage Solutions and reinforces his active role as a Co-Host of the “Lykken on Lending” Podcast.
This podcast segment explores how emerging AI tools, automation platforms, and even AI-to-human marketplaces are reshaping mortgage technology while raising important questions about keeping the borrower experience at the center of innovation.
Allen Pollack, Tech ConsultantAllen 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.
This podcast segment examines whether Loan-Level Price Adjustments (LLPAs) still serve their intended purpose of pricing mortgage risk or if they are unnecessarily increasing costs and complexity for borrowers and lenders.
David G. Kittle, CMB is a highly respected leader in the mortgage industry, with over 45 years of experience. He is the Co-Founder and Chairman of The Mortgage Collaborative (TMC), a mortgage lending cooperative providing members with access to resources and tools to improve their business operations.
Kittle began his mortgage banking career with American Fletcher Mortgage Company as a top-producing loan officer in 1978 moving to the management side in 1986 with Southmark Mortgage. He opened Associates Mortgage Group, the first of his three lending companies in 1994.
Kittle served as MORPAC Chairman for MBA, from 2004-2006. He is past President of both the Louisville and Kentucky Mortgage Bankers Associations, as well as leading the industry through its most tumultuous period as Chairman of the Mortgage Bankers Association, Washington DC in 2009. Kittle has testified before congress 14 times.
Kittle has been a driving force behind the growth and success of TMC, working to bring together mortgage lenders from across the country to share best practices and collaborate on key industry issues. Kittle has also been a vocal advocate for innovation and technology adoption in the mortgage industry, urging lenders to embrace new tools and strategies to improve their operations and better serve their customers.
Kittle is a frequent speaker at industry events and conferences, sharing his expertise on a variety of topics related to mortgage lending.
He resides in Louisville, Kentucky, he has four children and two grandchildren.
This podcast segment discusses the growing debate over whether the federal government should restrict institutional investors from buying single-family homes or if housing policy decisions should remain at the local and state level.------------------------------------------------------------------
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!
This podcast segment explains how a strong bond market rally pushed mortgage rates to their lowest levels in more than three years with record-breaking stability, while upcoming economic data and month-end trading dynamics may influence where rates move next.
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.
"I Don't Care If The Sun Don't Shine"
The Bulls Don't Care If The Sun Don't Shine. They get joy in the boring time, with hope in the maybe.
With the 10-year yield slipping below 4.00, mortgage rate sheets can see sub-6%. Why are so many people confused? They miss that geopolitical events matter.
US-Iran negotiations have allowed the world to stock up on Oil. Accordingly, the Dollar and Oil have found solace. The EU and Ukraine leaders foster surreal narratives about the war, yet they know it's over. So, the maybe-to-resolving these items quietly drops mortgage rates.
When the Bulls hope in MAYBE.
These views are mine. Resolve maybes by signing up at les@parkerandcompany.net.
Song: I Don't Care If The Sun Don't Shine (1950) Patti Page
It was originally written for the Disney animated feature Cinderella.
This podcast segment explains the administration’s push to restrict large institutional investors from purchasing single-family homes and highlights the Mortgage Bankers Association’s concerns about potential unintended consequences for rental housing supply, mortgage servicing, and overall housing affordability.
Adam DeSanctis, VP of Communications at Mortgage Bankers Association
As a strategic public affairs and communications executive with nearly two decades of experience, Adam has deep expertise in strategy, management, and media relations. He is widely considered to be an expert in a variety of communications, including advocacy, brand, executive, crisis, grassroots, and social media. In his career, he has been the MBA spokesperson on a wide variety of real estate research and advocacy-related issues, promoted MBA research and advocacy efforts to financial, political, and trade industry media and on MBA's social media channels, and secured media opportunities for MBA leadership on key real estate trends and issues, generated media coverage for MBA's research and data on mortgage applications, credit availability, homebuilder applications, mortgage forbearance/delinquencies, commercial real estate originations, and forecasts, and other industry analysis, developed key strategic initiatives for MBA's organizational public affairs plan, media relations and member communications support for mPower, MBA's Opens Doors Foundation and MBA's Diversity, Equity, and Inclusion program.
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.
Market headlines are loud — from geopolitical tensions and oil price swings to shifting rate expectations and nonstop media narratives — but seasoned mortgage professionals know that volatility alone doesn’t determine success. In this segment, the conversation moves beyond soundbites and into substance, exploring guarded optimism in the rate environment, the psychological impact of sub-6% mortgage rates, and the importance of disciplined execution in uncertain times. The discussion also turns to artificial intelligence and algorithm-driven distractions, highlighting a critical distinction: technology can amplify productivity, but only if paired with independent thinking and accountability. The takeaway is clear — markets will fluctuate, headlines will sensationalize, and AI will evolve, but professionals who focus on fundamentals, manage risk wisely, and stay disciplined will continue to win.
This podcast segment explores how AI is a powerful tool that can amplify productivity and innovation in mortgage lending—but warns that failing to think critically, fact-check outputs, and use proper prompting could allow convenience and complacency to undermine performance.
Allen Pollack, Tech ConsultantAllen 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.
This podcast segment explores the complex debate around loan level price adjustments (LLPAs), examining how risk-based pricing, capital return expectations, and potential reforms could impact housing affordability—especially for first-time homebuyers.
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!
This podcast segment breaks down the 10-year Treasury’s technical resistance at 4.0%, muted bond market reactions to mixed economic data, tariff-driven volatility, and the return of top-tier 30-year mortgage rates to 5.99%.
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.
Divorce is one of the most overlooked opportunity channels in the mortgage industry — yet nearly every divorce involves real estate, refinancing, assumptions, equity buyouts, or forced sales. In this powerful and personal episode of Lykken on Lending, I sit down with board-certified family law attorney Jimmy Evans to unpack the real challenges divorcing homeowners face: assumable low-rate mortgages, short sales, capital gains exposure, credit risk, and poorly written divorce decrees that can derail future financing. What shocked me most? After handling thousands of divorce cases, Jimmy has virtually no consistent mortgage referral relationships. For loan officers looking to add value and build a steady referral pipeline, this conversation reveals a massive untapped opportunity hiding in plain sight.
02-23-2026 "You Want Battle? (Here's a War)" Oil War Drums Are Beating
Who will not take this anymore? News, Iran, EU, what’s ignored? You Want a Battle? Is it a war?
April Crude Oil pushed above $66 a barrel, its highest level since July 2025. War drums continue to bother Oil and sustain the Dollar, while Bonds ignore it.
The US growth and inflation send mixed signals. So, the new bull market has no momentum and will be on its heels if the 10-year yield closes above 4.10. Yet, sub-6% remains the target for the 30-year mortgage rate.
Don’t Be Afraid
These views are mine. See danger by signing up at les@parkerandcompany.net.
Song: You Want a Battle? (Here's a War) (2015) Bullet For My Valentine
Bullet for My Valentine is a Welsh heavy metal band from Bridgend, formed in 1998.
NOTE TO ALL: To sign-up send your contact information to les@parkerandcompany.net. In March, we will be making content delivery changes, so get on board now.
This podcast segment highlights the MBA’s recent meeting with Treasury Secretary Scott Bessent to advance housing affordability initiatives, capital reform efforts, GSE policy updates, and proposed changes to credit reporting, FHA premiums, and LLPAs.
Adam DeSanctis, VP of Communications at Mortgage Bankers Association
As a strategic public affairs and communications executive with nearly two decades of experience, Adam has deep expertise in strategy, management, and media relations. He is widely considered to be an expert in a variety of communications, including advocacy, brand, executive, crisis, grassroots, and social media. In his career, he has been the MBA spokesperson on a wide variety of real estate research and advocacy-related issues, promoted MBA research and advocacy efforts to financial, political, and trade industry media and on MBA's social media channels, and secured media opportunities for MBA leadership on key real estate trends and issues, generated media coverage for MBA's research and data on mortgage applications, credit availability, homebuilder applications, mortgage forbearance/delinquencies, commercial real estate originations, and forecasts, and other industry analysis, developed key strategic initiatives for MBA's organizational public affairs plan, media relations and member communications support for mPower, MBA's Opens Doors Foundation and MBA's Diversity, Equity, and Inclusion program.
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 rates are edging tantalizingly close to the 6% threshold, fueled by a benign CPI report, bond-friendly employment revisions, and shifting job market dynamics. But while the headlines suggest momentum building for lower rates—and perhaps a pickup in refinance activity—this moment calls for strategic discipline, not complacency. In this segment, we unpack what the latest economic data is really signaling, why mortgage rates are diverging from the 10-year Treasury, how AI may be reshaping hiring patterns, and why lenders must resist the temptation to chase easy refi volume at the expense of purchase relationships. The opportunity is real—but so are the risks if leaders misread the cycle.
This podcast segment examines the rising burden of 50-state mortgage regulation, the escalating costs of state audits, and why recent housing reform efforts may not provide the operational relief lenders are hoping for.
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!
02-16-2026 "It's Over" For Some Regulatory Costs
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 Finding." It drove climate rules by defining greenhouse gases, including methane emitted by cows and CO₂ exhaled by humans.
The largest deregulatory move in American history aims to reduce manufacturing costs and increase vehicle affordability. As a result, the 10-year yield broke 4.13, signaling a move below 4%.
It’s Over (singer only)
These views are mine. Catch changes by signing up for TMSpotlight at les@parkerandcompany.net.
Song: It’s Over (1964) Roy Orbison
NOTE TO ALL: To sign-up send your contact information to les@parkerandcompany.net. In March, we will be making content delivery changes, so get on board now.
This podcast segment covers MBA President Bob Broeksmit’s testimony before Congress, outlining the importance of the secondary mortgage market, GSE reform, and protecting the 30-year fixed mortgage to support housing affordability and liquidity.
Adam DeSanctis, VP of Communications at Mortgage Bankers Association
As a strategic public affairs and communications executive with nearly two decades of experience, Adam has deep expertise in strategy, management, and media relations. He is widely considered to be an expert in a variety of communications, including advocacy, brand, executive, crisis, grassroots, and social media. In his career, he has been the MBA spokesperson on a wide variety of real estate research and advocacy-related issues, promoted MBA research and advocacy efforts to financial, political, and trade industry media and on MBA's social media channels, and secured media opportunities for MBA leadership on key real estate trends and issues, generated media coverage for MBA's research and data on mortgage applications, credit availability, homebuilder applications, mortgage forbearance/delinquencies, commercial real estate originations, and forecasts, and other industry analysis, developed key strategic initiatives for MBA's organizational public affairs plan, media relations and member communications support for mPower, MBA's Opens Doors Foundation and MBA's Diversity, Equity, and Inclusion program.
While most mortgage lenders are experimenting with AI tools and chatbots, only a small percentage truly understand what it takes to build and deploy decision-grade artificial intelligence. In this episode, David Lykken sits down with Pavan Agarwal and Jennifer to unpack the difference between surface-level AI and industrial-strength decision intelligence. From disciplined engineering practices to proprietary rule engines and parallel loan processing, they reveal why most lenders attempting to “build their own AI” are underestimating the complexity—and why the 2–3% who go deep will gain an overwhelming competitive advantage. This is not about chatbots. It’s about execution, scale, and the future of mortgage manufacturing.
In this episode, we sit down with Dan Catanella to unpack what the next evolution of Total Expert—“2.0”—really means for lenders and loan originators heading into 2026. This isn’t just an upgrade to a traditional CRM; it’s the transformation from a static database into a true Customer Operating System powered by real-time data intelligence and agentic AI. We explore how tools like CustomerIQ and AI Sales Assistant are enabling hyper-personalized, compliant outreach at scale—turning stale contact lists into living, breathing opportunities and automating the follow-up most originators never have time to do. If you want to understand how data, automation, and conversational AI are redefining prospecting, retention, recruiting, and ultimately production, this is a conversation you don’t want to miss.
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.
This podcast segment discussed that before investing in new technology, lenders must eliminate vendor overlap, define measurable ROI, and fix internal operational gaps—because no software can compensate for broken processes.
Allen Pollack, Tech ConsultantAllen 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.
This podcast segment discussed that mortgage production remains flat amid tight inventory and uneven regional activity, highlighting the need for data-driven targeting and stronger relationships with realtors as the spring market approaches.
David G. Kittle, CMB is a highly respected leader in the mortgage industry, with over 45 years of experience. He is the Co-Founder and Chairman of The Mortgage Collaborative (TMC), a mortgage lending cooperative providing members with access to resources and tools to improve their business operations.
Kittle began his mortgage banking career with American Fletcher Mortgage Company as a top-producing loan officer in 1978 moving to the management side in 1986 with Southmark Mortgage. He opened Associates Mortgage Group, the first of his three lending companies in 1994.
Kittle served as MORPAC Chairman for MBA, from 2004-2006. He is past President of both the Louisville and Kentucky Mortgage Bankers Associations, as well as leading the industry through its most tumultuous period as Chairman of the Mortgage Bankers Association, Washington DC in 2009. Kittle has testified before congress 14 times.
Kittle has been a driving force behind the growth and success of TMC, working to bring together mortgage lenders from across the country to share best practices and collaborate on key industry issues. Kittle has also been a vocal advocate for innovation and technology adoption in the mortgage industry, urging lenders to embrace new tools and strategies to improve their operations and better serve their customers.
Kittle is a frequent speaker at industry events and conferences, sharing his expertise on a variety of topics related to mortgage lending.
He resides in Louisville, Kentucky, he has four children and two grandchildren.
This podcast segment tackles Freddie Mac’s updated guidance, which extends document validity to 540 days and reduces asset re-verification requirements, making construction-to-permanent loans more efficient and less risky for 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!
This podcast segment explains how President Trump’s $200 billion MBS purchase announcement overshadowed economic data and the jobs report, driving a sharp MBS rally, tightening mortgage spreads, and reshaping mortgage rate dynamics.
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.
02-10-2026 Gold and Silver are "Dazed and Confused"
Rates Dazed and Confused for so long it's turned blue.
Wanted a rally, jobs made it come true.
Commodities go wild, while rates chill. Bank of America’s Bubble Risk Indicators for gold and silver signaled a bubble-like instability just as things broke loose.
Regardless of Friday’s rally, mortgages and Treasuries are staying in their defined lanes. Mortgages remain bullish while Treasuries hold to their bear trend. The 10-year yield seeks to wear path from 4.33 to 4.13. Knocking down 4.13 can invigorate a move to 4%.
Range trading, maybe, here it comes again.
These views are mine. Avoid confusion by signing up at les@parkerandcompany.net.
Song: Dazed And Confused (1967) Jake Holmes’ song was reworked by The Yardbirds. Led Zeppelin reworked it in 1968, which is the popular version.
This podcast segment breaks down what the 21st Century Housing Act could mean for mortgage professionals, FHA loan limits, housing supply, and the future of the secondary market.
Adam DeSanctis, VP of Communications at Mortgage Bankers Association
As a strategic public affairs and communications executive with nearly two decades of experience, Adam has deep expertise in strategy, management, and media relations. He is widely considered to be an expert in a variety of communications, including advocacy, brand, executive, crisis, grassroots, and social media. In his career, he has been the MBA spokesperson on a wide variety of real estate research and advocacy-related issues, promoted MBA research and advocacy efforts to financial, political, and trade industry media and on MBA's social media channels, and secured media opportunities for MBA leadership on key real estate trends and issues, generated media coverage for MBA's research and data on mortgage applications, credit availability, homebuilder applications, mortgage forbearance/delinquencies, commercial real estate originations, and forecasts, and other industry analysis, developed key strategic initiatives for MBA's organizational public affairs plan, media relations and member communications support for mPower, MBA's Opens Doors Foundation and MBA's Diversity, Equity, and Inclusion program.
In this episode of Lykken on Lending, David Lykken sits down with Steven Butler, CEO of True, for a candid and highly practical conversation about why years of heavy investment in automation and AI have failed to meaningfully lower cost per loan for most lenders—and what actually works. Steven breaks down the difference between surface-level automation and true operational transformation, explaining why granular process analysis, clean data, scalable architecture, and processor productivity are the real levers for sustainable ROI. This episode goes beyond hype and press releases, offering lenders a clear roadmap for where to start, what to fix first, and how to finally achieve scalable efficiency in loan manufacturing.
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.
This episode dives into a sobering—and necessary—reality check for the mortgage industry: the AI hype cycle is peaking, and the bubble is beginning to deflate. Drawing on a new MIT Sloan Management Review report, David Lykken and Pavan Agarwal unpack why scattered AI experiments and “ChatGPT-as-strategy” thinking are setting lenders up for disappointment, not transformation. The conversation explores Amara’s Law, the hidden economic traps of subsidized AI platforms, and why true competitive advantage will come from agentic AI, first-principles thinking, and a shift toward zero-UI experiences. For mortgage leaders trying to separate signal from noise, this episode lays out what to stop doing now—and what to bet on if you want to still be relevant five years from today.
This podcast segment highlights HUD’s latest report showing FHA’s strong financial position and examines how renewed affordability discussions could lead to mortgage insurance relief for borrowers in 2026.
Adam DeSanctis, VP of Communications at Mortgage Bankers Association
As a strategic public affairs and communications executive with nearly two decades of experience, Adam has deep expertise in strategy, management, and media relations. He is widely considered to be an expert in a variety of communications, including advocacy, brand, executive, crisis, grassroots, and social media. In his career, he has been the MBA spokesperson on a wide variety of real estate research and advocacy-related issues, promoted MBA research and advocacy efforts to financial, political, and trade industry media and on MBA's social media channels, and secured media opportunities for MBA leadership on key real estate trends and issues, generated media coverage for MBA's research and data on mortgage applications, credit availability, homebuilder applications, mortgage forbearance/delinquencies, commercial real estate originations, and forecasts, and other industry analysis, developed key strategic initiatives for MBA's organizational public affairs plan, media relations and member communications support for mPower, MBA's Opens Doors Foundation and MBA's Diversity, Equity, and Inclusion program.
In this episode of Lykken on Lending, David Lykken sits down with Cindy Ertman, CEO of The Defining Difference, to unpack how top mortgage professionals build practical, repeatable systems that drive real results—without the overwhelm. Cindy shares hard-earned insights from her journey as a billion-dollar producer, branch builder, and elite coach, breaking down why systems aren’t about rigidity—they’re about freedom, consistency, and scalability. From referral partner follow-up and client journey mapping to marketing calendars and team leverage, this conversation is packed with actionable ideas that help originators grow production and reclaim quality of life. If you love the idea of working smarter, not harder, this episode is a must-listen.
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.
This podcast segment explores how mortgage technology is shifting from traditional LOS-centered systems to agentic AI platforms, driving dramatic cost compression, faster loan cycles, and a fundamental rewrite of how mortgage lending operates.
Allen Pollack, Tech ConsultantAllen 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.
This podcast segment provides a legislative update on HUD and FHA oversight hearings, the status of major housing bills in Congress, and ongoing questions around investor restrictions and their real impact on housing affordability.
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!
This podcast segment explains how President Trump’s $200 billion MBS purchase announcement overshadowed economic data and the jobs report, driving a sharp MBS rally, tightening mortgage spreads, and reshaping mortgage rate dynamics.
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.
1-26-2026 Are Boring Markets "Coming Home?"
Maybe, maybe, may, rates Coming Home to their peaceful sweet trading.
Are the markets bored with peace? Gold continues to glitter. Over the last 5 months, Copper gained 50% and has held 80% of the move.
Mortgages remain bullish while Treasuries cling to their newly minted bear trend. The 10-year T-Note yield dances between 4.32 & 4.22. But if it closes below 4.22, then look for boring trading between 4.32 and 4.13.
You're the only range that we want,
Wanna be around. (Singer Only)
These views are mine. Discover micro-ranges at TMSpotlight.com.
Song: Coming Home (2015) Leon Bridges
It was nominated for Best R&B Album at the 2016 Grammy Awards.
This podcast segment highlights HUD’s latest report showing FHA’s strong financial position and examines how renewed affordability discussions could lead to mortgage insurance relief for borrowers in 2026.
Adam DeSanctis, VP of Communications at Mortgage Bankers Association
As a strategic public affairs and communications executive with nearly two decades of experience, Adam has deep expertise in strategy, management, and media relations. He is widely considered to be an expert in a variety of communications, including advocacy, brand, executive, crisis, grassroots, and social media. In his career, he has been the MBA spokesperson on a wide variety of real estate research and advocacy-related issues, promoted MBA research and advocacy efforts to financial, political, and trade industry media and on MBA's social media channels, and secured media opportunities for MBA leadership on key real estate trends and issues, generated media coverage for MBA's research and data on mortgage applications, credit availability, homebuilder applications, mortgage forbearance/delinquencies, commercial real estate originations, and forecasts, and other industry analysis, developed key strategic initiatives for MBA's organizational public affairs plan, media relations and member communications support for mPower, MBA's Opens Doors Foundation and MBA's Diversity, Equity, and Inclusion program.
The U.S. housing market faces a historic single-family inventory shortage, driving affordability challenges and limiting access for aspiring homeowners. In this episode, David Lykken is joined by Phil Bracken, Vice Chairman of Falcon Capital Advisors, to unpack real-world, executable solutions that policymakers, lenders, builders, and communities can act on now. Drawing on decades of experience in mortgage banking, federal policy, and housing advocacy, Bracken outlines four critical levers to unlock supply: stimulating new construction, freeing up locked-in existing homeowners, rehabilitating underutilized housing stock, and converting vacant commercial properties into residential housing. This conversation moves beyond theory into pragmatic strategies that could materially improve affordability and access across America.
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.
Despite a constant stream of geopolitical tension, political speculation, and policy headlines, mortgage rates continue to defy expectations by remaining locked in a well-defined trading range. In this segment of Lykken on Lending, industry veterans unpack why the bond market—not the news cycle—ultimately dictates rate movement, and why traditional concepts like “flight to quality” no longer behave the way they once did. The discussion explores GSE MBS buying speculation, Fed independence chatter, global conflict risk, and investor behavior, helping mortgage professionals cut through the noise and focus on the signals that actually matter when navigating today’s rate environment.
This podcast segment explores how social change, global geopolitical turmoil, and evolving workforce realities contrast with the surprising resilience of U.S. financial and mortgage markets.------------------------------------------------------------------------------------------------------Marc Helm, CEO, and AuthorMarc Helm serves as a Principal Partner at Transformational Mortgage Solutions, bringing over 46 years of extensive experience in the financial services and mortgage banking industry. Currently serving as the President and CEO of both ReverseAmerica Advisors, Inc. and Mortgage Consultants of America (MCA), Marc has established a proven track record of leadership and accomplishments, both within and beyond the mortgage banking sector.
In his notable role as the former President and Chief Executive Officer of Reverse Mortgage Solutions, Inc. (RMS), Marc played a pivotal role in steering RMS to become one of the largest Ginnie Mae Securitizers, originators, and servicers/sub servicers in the reverse mortgage industry. His influence has reached various key positions in the industry, including serving as Chairman of the Mortgage Bankers Association (MBA) Loan Administration Committee and Chairman of the MBA Technology Committee. Recognizing his expertise, he has been honored with memberships in prestigious advisory boards such as the Fidelity (LPS) Information Systems Mortgage Servicing Advisory Board and the National Reverse Mortgage Lender Association’s (NRMLA) Board of Directors.
Marc's commitment to community involvement and philanthropy is evident in his roles as a Board Member of the American Heart Association (AHA), his past chairmanship of the AHA's "Open Your Heart Campaign" for the Paul "Bear" Bryant National Coach of The Year Award, and his service on the boards of additional organizations such as The Helm Foundation. His dedicated support extends to various causes, including initiatives for children, veterans, military service organizations, and the welfare of homeless mothers and children.
Marc's dedication to philanthropy is complemented by his prior involvement in various committees and campaigns, such as his role as the Former Chairman for the Houston Area Special Olympics Campaign and Former Chairman of the Houston Area United Way Campaign.
Beyond his professional achievements and community engagement, Marc Helm is a family man, celebrating 49 years of marriage to Sallie Fortner Helm. Together, they have two children, Thomas Charles Helm and Dr. Jean Ann Helm Allen, and five grandchildren. Holding a BS Degree (Summa Cum Laude) and an MS Degree from Troy University, Marc showcases his commitment to education and continuous learning. Currently pursuing a PHD in Organizational Psychology, Marc Helm's multifaceted expertise, leadership roles, and philanthropic contributions make him an invaluable Principal Partner at Transformational Mortgage Solutions and reinforces his active role as a Co-Host of the “Lykken on Lending” Podcast.
This podcast segment explores how mortgage technology is shifting from traditional LOS-centered systems to agentic AI platforms, driving dramatic cost compression, faster loan cycles, and a fundamental rewrite of how mortgage lending operates.
Allen Pollack, Tech ConsultantAllen 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.
This podcast segment reflects on Martin Luther King Jr. Day by examining the importance of fair lending laws, HMDA reporting, and why these protections remain essential to accountability, equity, and trust in mortgage lending.
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!
01-20-2026 Bonds are "Breaking the Habit"
Memories consume the breaking of the wound
It’s picking bulls apart again.
The bears won Friday in Treasuries, while mortgages remained steady as they await details on GSE buying. The chatter over Fed independence is irrelevant. The Fed follows Bonds. And when they run their failed experiments, like Quantitative Easing, who holds them accountable? Only the bond market.
Expect the 10-year yield to find buyers between 4.25 and 4.35. The global questions around war, growth, and inflation remain, yet volatility measures are low.
Bonds know it's not alright. So, they’re breaking the rate range. They’re breaking their habit out right.
These views are mine. Understand breaks at TMSpotlight.
Song: Breaking the Habit (2003) Linkin Park
This podcast segment highlights HUD’s latest report showing FHA’s strong financial position and examines how renewed affordability discussions could lead to mortgage insurance relief for borrowers in 2026.
Adam DeSanctis, VP of Communications at Mortgage Bankers Association
As a strategic public affairs and communications executive with nearly two decades of experience, Adam has deep expertise in strategy, management, and media relations. He is widely considered to be an expert in a variety of communications, including advocacy, brand, executive, crisis, grassroots, and social media. In his career, he has been the MBA spokesperson on a wide variety of real estate research and advocacy-related issues, promoted MBA research and advocacy efforts to financial, political, and trade industry media and on MBA's social media channels, and secured media opportunities for MBA leadership on key real estate trends and issues, generated media coverage for MBA's research and data on mortgage applications, credit availability, homebuilder applications, mortgage forbearance/delinquencies, commercial real estate originations, and forecasts, and other industry analysis, developed key strategic initiatives for MBA's organizational public affairs plan, media relations and member communications support for mPower, MBA's Opens Doors Foundation and MBA's Diversity, Equity, and Inclusion program
Why Mortgage Lenders Keep Failing at AI—and What the Winners Understand explores a hard truth facing the mortgage industry: most AI initiatives fail not because of lack of ambition, but because leaders misunderstand what AI actually requires to succeed. In this episode, David Lykken sits down with mortgage technologist Pavan Agarwal to unpack why short-term thinking, investor pressure, and “plug-and-play” AI promises are leading lenders down costly dead ends. Drawing on decades of real-world experience building mortgage technology the right way, they explain why patient capital, deep technical understanding, and a long-game mindset separate true innovators from expensive experiments—and why AI isn’t an LOS enhancement, but a fundamental reinvention of how mortgages are manufactured, managed, and de-risked.
In this episode of Lykken on Lending – Hot Topics, David Lykken sits down with Josh Lehr, Founder of Lehrjet, to cut through the noise surrounding AI and mortgage technology. With more than two decades of experience spanning Zillow, Total Expert, and fintech partnerships, Josh offers an independent, practitioner’s perspective on what actually works. The conversation explores AI voice assistants, agentic AI, backend automation, data strategy, and why the future isn’t about replacing loan officers—but empowering them. This is a must-listen for mortgage leaders trying to separate hype from impact and make smarter technology decisions in 2026 and beyond.
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.
This podcast segment explores how AI is reshaping mortgage technology by lowering origination costs, reducing vendor sprawl, reinforcing the LOS as core infrastructure, and separating real operational gains from marketing hype.
Allen Pollack, Tech ConsultantAllen 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.
This podcast segment explains how President Trump’s $200 billion MBS purchase announcement overshadowed economic data and the jobs report, driving a sharp MBS rally, tightening mortgage spreads, and reshaping mortgage rate dynamics.
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.
In today’s noisy digital world, attention has become the new currency—and impact is what turns that attention into trust and relationships. In this episode, David Lykken sits down with Josh Pitts, Founder and CEO of Shred Media, to explore how mortgage professionals can win on social media without overthinking, overproducing, or burning out. Broadcasting live from his catamaran anchored off the coast of Panama, Josh shares how he and his family have built a location-independent life while scaling a fast-growing business, and why authenticity, consistency, and simplicity matter more than perfection. Together, they unpack how AI can be used to create attention and impact—not artificial content—and why embracing imperfection may be the most powerful marketing move mortgage professionals can make in 2026.
01-13-2026 The New Rates are “Wide Open”
—————————-
Under the Trump tweet; Welcome to new rates; He’ll show us everything; With Spreads Wide Open.
Near Thursday’s close, Trump’s announcement that his representatives will buy $200 billion in mortgages pushed mortgage rates down 1/8, and Treasuries did not move. Premium users of dataQollab https://www.mbsmkt.com could see that there were plenty of small transactions behind the move.
The mortgage gains held on Friday after the noise of Jobs. Servicing values dropped slightly. Dealers need details; otherwise, bid/ask spreads will widen, and investors will take advantage of dependent lenders.
With spreads wide open
Wide open (Singer only)
These views are mine. Understand spreads at TMSpotlight.com.
—————————-
Song: With Arms Wide Open (1999) Creed
This podcast segment highlights HUD’s latest report showing FHA’s strong financial position and examines how renewed affordability discussions could lead to mortgage insurance relief for borrowers in 2026.
Adam DeSanctis, VP of Communications at Mortgage Bankers Association
As a strategic public affairs and communications executive with nearly two decades of experience, Adam has deep expertise in strategy, management, and media relations. He is widely considered to be an expert in a variety of communications, including advocacy, brand, executive, crisis, grassroots, and social media. In his career, he has been the MBA spokesperson on a wide variety of real estate research and advocacy-related issues, promoted MBA research and advocacy efforts to financial, political, and trade industry media and on MBA's social media channels, and secured media opportunities for MBA leadership on key real estate trends and issues, generated media coverage for MBA's research and data on mortgage applications, credit availability, homebuilder applications, mortgage forbearance/delinquencies, commercial real estate originations, and forecasts, and other industry analysis, developed key strategic initiatives for MBA's organizational public affairs plan, media relations and member communications support for mPower, MBA's Opens Doors Foundation and MBA's Diversity, Equity, and Inclusion program
In this episode of Lykken on Lending, I’m joined by Garrett Locklear — a top-producing loan officer who personally originated over $100 million annually while working just a few hours a week, and the founder of Candid, one of the most innovative platforms in mortgage technology today. We dive into how the right combination of people, discipline, and a unified AI-powered platform can fundamentally change how mortgage professionals operate, market, and scale. From eliminating bloated tech stacks and data silos to leveraging AI for hyper-personalized communication, newsletters, and GEO visibility, this conversation offers a real-world blueprint for originators and executives who want to work smarter, not harder, in the next era of mortgage lending.
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.
This podcast segment explores why 2025’s “big deal” wave of mortgage mergers is only the beginning, as retirements, technology disruption, and entrepreneurial originators fuel even more consolidation—and new company startups—heading into 2026.
David G. Kittle, CMB is a highly respected leader in the mortgage industry, with over 45 years of experience. He is the Co-Founder and Chairman of The Mortgage Collaborative (TMC), a mortgage lending cooperative providing members with access to resources and tools to improve their business operations.
Kittle began his mortgage banking career with American Fletcher Mortgage Company as a top-producing loan officer in 1978 moving to the management side in 1986 with Southmark Mortgage. He opened Associates Mortgage Group, the first of his three lending companies in 1994.
Kittle served as MORPAC Chairman for MBA, from 2004-2006. He is past President of both the Louisville and Kentucky Mortgage Bankers Associations, as well as leading the industry through its most tumultuous period as Chairman of the Mortgage Bankers Association, Washington DC in 2009. Kittle has testified before congress 14 times.
Kittle has been a driving force behind the growth and success of TMC, working to bring together mortgage lenders from across the country to share best practices and collaborate on key industry issues. Kittle has also been a vocal advocate for innovation and technology adoption in the mortgage industry, urging lenders to embrace new tools and strategies to improve their operations and better serve their customers.
Kittle is a frequent speaker at industry events and conferences, sharing his expertise on a variety of topics related to mortgage lending.
He resides in Louisville, Kentucky, he has four children and two grandchildren.
As mortgage markets settle into a familiar rate range, the real action is happening elsewhere—market share. In this commentary, industry leaders break down why a steepening yield curve and steady rate environment shouldn’t distract lenders from what truly drives success right now: execution, origination discipline, and growth strategy. Rather than waiting on rate drops or trying to time the market, this conversation challenges mortgage leaders to focus on winning business, educating borrowers, and capturing share in a competitive landscape where opportunity favors those who stay engaged, adaptable, and focused on what they can control.
This podcast segment examines how mortgage technology is moving beyond AI hype toward real, scalable solutions in 2026, highlighting conversational AI, capital markets platforms, and the push for precision and profitability.
Allen Pollack, Tech ConsultantAllen 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.
This podcast segment reviews the most impactful regulatory developments of 2025 and explains why internal audits, technology controls, and cybersecurity preparedness are critical priorities for mortgage lenders heading into 2026.
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!
This podcast segment explains why mortgage rates remain locked in a narrow range as bond market activity returns and investors shift their focus to a data-heavy economic week.
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.
01-06-2026 Patience in 2026 Because "Tomorrow is a Long Time"
If tomorrow wasn't such a long time, then range trading would mean nothing to us at all.
Significant political and economic events in 2026 will affect US credit markets. Yet, expect the 10-year yield to remain between 3.70 and 5.00. Mortgage lenders should be satisfied with mortgage rates between 5.8 and 7.20.
The most considerable risk to a significant rise in mortgage rates should come from a grand bargain on national healthcare. Alternatively, the emerging US Goldilocks’ economy has rising wages, GDP above 3%, and inflation trending towards 2%.
And we'd trust in low rates once again
These views are mine. Find patience in 2026 at TMSpotlight.com.
Song: "Tomorrow Is a Long Time" (1963). Bob Dylan recorded it in 1963 during a live performance, but did not release it until a greatest-hits album in 1971.
This podcast segment highlights HUD’s latest report showing FHA’s strong financial position and examines how renewed affordability discussions could lead to mortgage insurance relief for borrowers in 2026.
Adam DeSanctis, VP of Communications at Mortgage Bankers Association
As a strategic public affairs and communications executive with nearly two decades of experience, Adam has deep expertise in strategy, management, and media relations. He is widely considered to be an expert in a variety of communications, including advocacy, brand, executive, crisis, grassroots, and social media. In his career, he has been the MBA spokesperson on a wide variety of real estate research and advocacy-related issues, promoted MBA research and advocacy efforts to financial, political, and trade industry media and on MBA's social media channels, and secured media opportunities for MBA leadership on key real estate trends and issues, generated media coverage for MBA's research and data on mortgage applications, credit availability, homebuilder applications, mortgage forbearance/delinquencies, commercial real estate originations, and forecasts, and other industry analysis, developed key strategic initiatives for MBA's organizational public affairs plan, media relations and member communications support for mPower, MBA's Opens Doors Foundation and MBA's Diversity, Equity, and Inclusion programs.
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.
This podcast segment examines the true cost of mortgage technology, cutting through AI hype to explain why infrastructure, integration, governance, and accountability will define tech winners and losers in 2026.
Allen Pollack, Tech ConsultantAllen 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.
This podcast segment reviews the most impactful regulatory developments of 2025 and explains why internal audits, technology controls, and cybersecurity preparedness are critical priorities for mortgage lenders heading into 2026.
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!
This podcast segment explores why 2025’s “big deal” wave of mortgage mergers is only the beginning, as retirements, technology disruption, and entrepreneurial originators fuel even more consolidation—and new company startups—heading into 2026.
David G. Kittle, CMB is a highly respected leader in the mortgage industry, with over 45 years of experience. He is the Co-Founder and Chairman of The Mortgage Collaborative (TMC), a mortgage lending cooperative providing members with access to resources and tools to improve their business operations.
Kittle began his mortgage banking career with American Fletcher Mortgage Company as a top-producing loan officer in 1978 moving to the management side in 1986 with Southmark Mortgage. He opened Associates Mortgage Group, the first of his three lending companies in 1994.
Kittle served as MORPAC Chairman for MBA, from 2004-2006. He is past President of both the Louisville and Kentucky Mortgage Bankers Associations, as well as leading the industry through its most tumultuous period as Chairman of the Mortgage Bankers Association, Washington DC in 2009. Kittle has testified before congress 14 times.
Kittle has been a driving force behind the growth and success of TMC, working to bring together mortgage lenders from across the country to share best practices and collaborate on key industry issues. Kittle has also been a vocal advocate for innovation and technology adoption in the mortgage industry, urging lenders to embrace new tools and strategies to improve their operations and better serve their customers.
Kittle is a frequent speaker at industry events and conferences, sharing his expertise on a variety of topics related to mortgage lending.
He resides in Louisville, Kentucky, he has four children and two grandchildren.
This podcast segment explains how a stronger-than-expected Q3 GDP report briefly moved markets, but thin holiday trading and broader context ultimately left rates and yields largely unchanged.
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.
12-30-2025 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 and models highlight the value of learning through trial and error and transparency.
The absence of the government spoon-feeding the Fed revealed the shadow modelers to a broader audience. They can gain insight sooner by making mistakes. Markets developed quite a taste...
...for a well-made Mistake. They wanna make A Mistake. Why can't we make A Mistake?
These views are mine. Learn from mistakes at TMSpotlight.com.
Song: A Mistake (1999) Fiona Apple
This podcast segment covers FHFA’s newly finalized 2026–2028 housing goals for Fannie Mae and Freddie Mac, highlighting lower single-family benchmarks, a reduced low-income refinance target, and a renewed focus on sustainable access to affordable housing.
Adam DeSanctis, VP of Communications at Mortgage Bankers Association
As a strategic public affairs and communications executive with nearly two decades of experience, Adam has deep expertise in strategy, management, and media relations. He is widely considered to be an expert in a variety of communications, including advocacy, brand, executive, crisis, grassroots, and social media. In his career, he has been the MBA spokesperson on a wide variety of real estate research and advocacy-related issues, promoted MBA research and advocacy efforts to financial, political, and trade industry media and on MBA's social media channels, and secured media opportunities for MBA leadership on key real estate trends and issues, generated media coverage for MBA's research and data on mortgage applications, credit availability, homebuilder applications, mortgage forbearance/delinquencies, commercial real estate originations, and forecasts, and other industry analysis, developed key strategic initiatives for MBA's organizational public affairs plan, media relations and member communications support for mPower, MBA's Opens Doors Foundation and MBA's Diversity, Equity, and Inclusion programs.
In a world marked by polarization, misinformation, and constant noise, discerning truth has become one of the most critical leadership skills of our time. In this powerful and personal conversation, David Lykken sits down with Tom Ziglar—CEO of Ziglar, Inc. and son of legendary motivator Zig Ziglar—to explore how truth, identity, and grace-driven leadership can anchor us in uncertain times. Drawing from his father’s timeless philosophy, ancient wisdom, and real-world business leadership, Tom introduces the Truth Compass, shares stories of courageous discernment, and explains how Zig AI is helping leaders apply proven principles with clarity and confidence. This episode is both a tribute to legacy and a practical guide for navigating chaos with conviction, humility, and purpose.
In this episode of Lykken on Lending, David Lykken sits down with Matthew Marx, co-founder of Evocalize, to unpack a powerful truth emerging in today’s AI-driven mortgage landscape: local relationships still win. Recorded after the Total Expert Conference, the conversation dives into how lenders and real estate professionals can use AI to automate digital marketing, reclaim control from lead aggregators, and refocus their time on what matters most—trusted, face-to-face relationships in their communities. As industry consolidation accelerates and AI-generated content floods the market, this episode highlights why the future belongs to those who blend smart technology with authentic human connection.
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 lenders are investing millions in marketing technology, yet a staggering percentage of those tools go underused or completely idle. In this episode of Lykken on Lending, David Lykken sits down with James Duncan, Founder and Chief Marketing Strategist at Caelum Advisors, to unpack why MarTech adoption breaks down and what executives can do about it. Drawing from his experience leading marketing at Thrive Mortgage and Lower, James shares practical frameworks for auditing tech stacks, improving engagement, aligning tools with strategy, and turning marketing technology from “dead weight” into a true revenue driver. This conversation is a must-listen for mortgage leaders serious about maximizing ROI, reducing waste, and building a high-performing marketing ecosystem.
In this episode of Lykken on Lending, David Lykken sits down with Garrett Maroon—founder of The Faithful Agent and the 210 Collective—to unpack what it truly means to build a successful business without sacrificing what matters most. As a husband, father of five, and top-producing Realtor who has closed over 650 homes entirely by referral, Garrett shares the hard-earned lessons behind creating margin, setting boundaries, and redefining success beyond income alone. Rooted in faith, family, and intentional living, this conversation challenges lenders and agents alike to ask better questions, build healthier scoreboards for success, and pursue growth that strengthens—not strains—their marriage, faith, and family dinner table.
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.
This commentary explores the growing tension between Federal Reserve policy, liquidity management, and emerging risks in the mortgage market, as panelists unpack rangebound rates, the limits of economic data, and concerns around leverage, fraud, and regulatory inconsistency. Drawing parallels to lessons from The Big Short, the discussion highlights how abundant reserves, yield-curve dynamics, and opaque policy decisions may be masking deeper systemic vulnerabilities. While optimism remains for lower rates in the years ahead, the conversation underscores the importance of discipline, transparency, and enforcement to prevent history from repeating itself in the mortgage and housing finance system.
This podcast segment explores the rise of AI-driven mortgage fraud, real-world risks from AI hallucinations, and why human-in-the-loop controls and federal AI governance are critical for lenders and vendors.
Allen Pollack, Tech ConsultantAllen 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.
This podcast segment breaks down the complex reasons behind the 30–40% surge in tri-merge credit report costs, examining regulatory mandates, FICO licensing fees, bureau markups, and the challenges of creating true competition without compromising fair lending or investor confidence.
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!
This podcast segment explains how jobs data, the Fed’s dot plot, and reserve management purchases kept mortgage rates rangebound while markets wait for clearer inflation and employment signals.
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.
Consumer Direct lending is experiencing a resurgence as mortgage professionals search for more predictable, cost-effective ways to generate leads in a challenging market. In this episode of Lykken on Lending, David Lykken sits down with Tim Slavin, CEO of The Share Group, to unpack how data science is transforming consumer direct mortgage strategies. The conversation dives into why most purchased leads fail, how richer consumer, property, and mortgage datasets dramatically improve accuracy, and how lenders—from individual loan officers to large call centers—can build scalable, compliant lead funnels. Listeners will gain practical insights into data integrity, outbound dialing efficiency, and how to create a repeatable system for long-term mortgage growth.
12-16-2025 New Bear Trend Is "Nothing from Nothing"
Nothin' from nothin' leaves nothin'. Bears gotta have somethin' if they wanna trend to be.
EU leadership has neither money nor voters’ support to stop the US-Russia Ukrainian peace deal. US wage increases are slowing. China deflates. Germany’s growth shows green shoots but remains constrained by high energy costs.
Jobs are stagnating, while inflation components create competing narratives. The new bear trend has no momentum, while the bulls have much to prove. Nothing from nothing is nothing.
Cause bearishness is too low to see, yeah.
These views are mine. Know when nothing becomes something at TMSpotlight.com.
Song: Nothing From Nothing (1974) Billy Preston
This podcast segment covers key mortgage-related housing reform legislation and a new federal AI policy framework that could shape compliance, innovation, and affordability across the mortgage industry.
Adam DeSanctis, VP of Communications at Mortgage Bankers Association
As a strategic public affairs and communications executive with nearly two decades of experience, Adam has deep expertise in strategy, management, and media relations. He is widely considered to be an expert in a variety of communications, including advocacy, brand, executive, crisis, grassroots, and social media. In his career, he has been the MBA spokesperson on a wide variety of real estate research and advocacy-related issues, promoted MBA research and advocacy efforts to financial, political, and trade industry media and on MBA's social media channels, and secured media opportunities for MBA leadership on key real estate trends and issues, generated media coverage for MBA's research and data on mortgage applications, credit availability, homebuilder applications, mortgage forbearance/delinquencies, commercial real estate originations, and forecasts, and other industry analysis, developed key strategic initiatives for MBA's organizational public affairs plan, media relations and member communications support for mPower, MBA's Opens Doors Foundation and MBA's Diversity, Equity, and Inclusion programs.
Mortgage lending is undergoing a fundamental shift as technology reshapes how income and employment are verified—yet the human experience remains more important than ever. In this episode of Lykken on Lending, David Lykken sits down with Shmulik Fishman, Founder and CEO of Argyle, to explore how modern income verification is transforming underwriting, reducing friction for loan officers, and improving outcomes for borrowers. From Argyle’s origins and major institutional backing to its deep integrations across POS and LOS platforms, this conversation unpacks what true modernization looks like when automation, data accuracy, and human-centric design come together to redefine the mortgage process.
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.
This podcast segment explores the real-world use of AI in mortgage lending, separating hype from value while examining automation tools, app fatigue, platform longevity, and the emerging “51st Date Syndrome” in AI adoption.
Allen Pollack, Tech ConsultantAllen 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.
his podcast segment breaks down the complex reasons behind the 30–40% surge in tri-merge credit report costs, examining regulatory mandates, FICO licensing fees, bureau markups, and the challenges of creating true competition without compromising fair lending or investor confidence.
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!
This podcast segment examines why bond yields surged toward the top of their recent range despite economic data failing to clearly explain the move, highlighting the role of technicals, holiday trading, and upcoming risk events.
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.
Artificial intelligence isn’t coming to the mortgage industry—it's already here, and it’s fundamentally reshaping how lenders engage past customers, manage database outreach, and scale production without sacrificing the human touch. In this episode, AI Assistants in the Mortgage Space: How Intelligent Outreach Is Rewriting the Loan Officer Playbook, David Lykken sits down with leaders from Total Expert and Assurance to unpack real-world success stories, compliance considerations, and the operational readiness required to implement AI-powered voice assistants effectively. From transforming credit trigger conversions to scheduling loan officer appointments automatically, this conversation reveals how lenders can turn AI-enabled outreach into a competitive advantage—and why those who resist may soon be left behind.
12-09-2025 Who's The "Lost Cause"
Bears, you're lost; Bulls, you're lost; Maybe, you're a Lost Cause.
With bond yields moving up, Bears have an easier path to capture the trend at 4.18 than bulls in diving below 4. Does the steepening of the coupon curve suggest no recession?
According to Deutsche Bank, once the Fed begins a rate-cut cycle, the 10-year Treasury yield does not fall sustainably without the economy slipping into a recession. So, who’s the lost cause: Jobs, Fed, Bulls, or Bears? Maybe it’s lenders that only make money as rates fall.
That’s fighting for a Lost Cause.
These views are mine. Avoid confusion at TMSpotlight.com.
Song: Lost Cause (2002) Beck
"Lost Cause" is a 2002 song by Beck with a melancholic tone reflecting feelings after a breakup.
This podcast segment highlights the Senate’s advancement of major housing finance nominees and reminds IMBs to register for MBA’s premier conference ahead of the Thanksgiving holiday.
Adam DeSanctis, VP of Communications at Mortgage Bankers Association
As a strategic public affairs and communications executive with nearly two decades of experience, Adam has deep expertise in strategy, management, and media relations. He is widely considered to be an expert in a variety of communications, including advocacy, brand, executive, crisis, grassroots, and social media. In his career, he has been the MBA spokesperson on a wide variety of real estate research and advocacy-related issues, promoted MBA research and advocacy efforts to financial, political, and trade industry media and on MBA's social media channels, and secured media opportunities for MBA leadership on key real estate trends and issues, generated media coverage for MBA's research and data on mortgage applications, credit availability, homebuilder applications, mortgage forbearance/delinquencies, commercial real estate originations, and forecasts, and other industry analysis, developed key strategic initiatives for MBA's organizational public affairs plan, media relations and member communications support for mPower, MBA's Opens Doors Foundation and MBA's Diversity, Equity, and Inclusion programs.
In this episode of Lykken on Lending, we explore The Quantum Mindset: Resilience Lessons That Redefine Success, featuring an extraordinary story of overcoming unimaginable beginnings and rising into purpose, gratitude, and impact. Through vivid examples—bees modeling sweetness, the observer effect, and collapsing the wave of possibility—our guest shows how leaders can transform their reality by shifting perspective, reframing challenges, and embracing responsibility. Whether you’re navigating market uncertainty, organizational change, or personal transition, this conversation reveals the practical and spiritual principles behind unshakable resilience and high performance.
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.
In this wide-ranging market commentary, David Lykken, Bill, Kittle, and Alice break down why interest rates remain trapped in a tight range despite economic noise and why market reactions often have more to do with trader psychology than global fundamentals. While short-term volatility grabs headlines, the deeper issue facing today’s housing market is affordability—driven not by rates alone, but by compounding increases in homeowner’s insurance, property taxes, and other overlooked cost pressures. With insights into global bond correlations, speculative trading dynamics, and the real impact of runaway housing expenses, this segment offers a candid look at the forces shaping mortgage lending as we enter 2026.
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.
This podcast segment breaks down the complex reasons behind the 30–40% surge in tri-merge credit report costs, examining regulatory mandates, FICO licensing fees, bureau markups, and the challenges of creating true competition without compromising fair lending or investor confidence.
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!
This podcast segment explains why post-Thanksgiving rate volatility is less about Japan’s rate-hike rumors and more about normal market noise, as traders position ahead of key economic data and a Fed meeting now operating without the delayed jobs report.
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.
In this powerful episode of Lykken on Lending, David Lykken sits down with social media prospecting expert and author Michelle Berman-Mikel to unpack the discipline, mindset, and daily actions that fuel real business growth in today’s noisy digital world. Drawing from her competitive swimming background and her bestselling book The Black Line, Michelle reveals how the same focus required to swim mile-long races translates into a tactical, repeatable prospecting system—one message a day, 365 days a year—that has transformed the pipelines of mortgage professionals nationwide. Michelle’s vulnerability, her faith journey, and her practical frameworks like the Drivers & Levers Assignment make this episode a masterclass in authenticity, consistency, and building opportunity through meaningful online relationships.
Will Anyone "Go All The Way?"
Buy markets know how defeat can be 'Til investors trade and say, (Singers) please, Go All the Way?
The bulls won Thanksgiving week while the bears fought valiantly. However, no one has gone all the way; no objectives have been hit, and momentum hasn't been built.
With no threats to Oil nor the Dollar, and with Europe's rulers creating and chasing economic straw men, the US can keep improving fiscal and inflation conditions. So, will the bulls keep beating the bears?
The bulls, got to keep on swinging.
These views are mine. Come on, we want you at TMSpotlight.com.
Song: Go All the Way (1972) The Raspberries
This podcast segment highlights the Senate’s advancement of major housing finance nominees and reminds IMBs to register for MBA’s premier conference ahead of the Thanksgiving holiday.
Adam DeSanctis, VP of Communications at Mortgage Bankers Association
As a strategic public affairs and communications executive with nearly two decades of experience, Adam has deep expertise in strategy, management, and media relations. He is widely considered to be an expert in a variety of communications, including advocacy, brand, executive, crisis, grassroots, and social media. In his career, he has been the MBA spokesperson on a wide variety of real estate research and advocacy-related issues, promoted MBA research and advocacy efforts to financial, political, and trade industry media and on MBA's social media channels, and secured media opportunities for MBA leadership on key real estate trends and issues, generated media coverage for MBA's research and data on mortgage applications, credit availability, homebuilder applications, mortgage forbearance/delinquencies, commercial real estate originations, and forecasts, and other industry analysis, developed key strategic initiatives for MBA's organizational public affairs plan, media relations and member communications support for mPower, MBA's Opens Doors Foundation and MBA's Diversity, Equity, and Inclusion programs.
In this week’s AI Update, we dive into the rapidly shifting landscape behind today’s sky-high AI valuations and explore why macroeconomic forces may be creating unseen systemic risks across the tech ecosystem. Pavan Agarwal breaks down how the unwinding of the dollar-yen trade, leveraged Bitcoin positions, and hyperscalers’ overreliance on overpriced NVIDIA hardware are converging to put pressure on companies like OpenAI—potentially triggering a broader contagion that could impact banks, data-center REITs, and long-term AI investment flows. This episode uncovers how tightly interconnected global markets, digital assets, and AI infrastructure really are—and what leaders in mortgage and fintech should be watching next.
The consumer-direct mortgage model has rapidly evolved from a niche channel to one of the most efficient and scalable strategies in today’s lending environment. In this episode, we explore the operational blueprint behind its rise—highlighting how leading DTC lenders are achieving faster turn times, dramatically lower cost-to-close, and stronger customer loyalty by balancing automation with exceptional human service. We dive into brand-driven lead acquisition, modern retention systems, technology integration, and the cultural principles that keep teams aligned and motivated. Whether you're an IMB executive, production leader, or strategist looking to modernize your organization for 2026, this conversation reveals the real levers driving efficiency, profitability, and sustainable purchase growth in a changing mortgage market.
December arrives with a jolt as the mortgage industry faces a wave of new challenges—from heightened market volatility to the alarming 35–40% spike in tri-merge credit reporting costs hitting lenders across the country. In this week’s episode of Lykken on Lending, David Lykken and the expert panel unpack what’s driving rate movement, how global forces like the Bank of Japan are influencing U.S. bonds, why affordability continues to erode, and what the MBA is doing to combat unsustainable credit reporting structures. With insights from Adam DeSanctis, Les Parker, Matt Graham, Alice Alvey, David Kittle, Bill Corbett, and more, this episode provides a timely and comprehensive overview of what’s happening now—and what lenders, IMBs, and mortgage professionals must prepare for next.
In this week’s discussion, the Lykken on Lending team dives deep into the forces shaping today’s mortgage market, from range-bound rates to a Federal Reserve that is showing more internal division than we’ve seen since the early Greenspan era. With mixed economic signals—strong GDP, elevated unemployment readings, and stale data delayed by the shutdown—industry leaders Bill Corbett, David Kittle, Alice Alvey, and Allen Pollack break down what’s truly driving market uncertainty and why a rate cut may not be the silver bullet many are hoping for. The conversation highlights a critical truth often overlooked in the headlines: today’s affordability crisis is rooted not in interest rates, but in years of insufficient housing inventory driven by land costs, regulation, and the reshaped post-pandemic market. This thoughtful debate offers clarity, context, and practical insight for lenders, loan officers, and executives navigating one of the most complex cycles in recent memory.
Allen Pollack, Tech ConsultantAllen 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.
This podcast segment highlights the CFPB’s request for industry feedback on a significant ECOA interpretation change that could prevent regulators from using reverse-engineered HMDA data to allege fair lending violations when no discriminatory policy exists.
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!
This podcast segment discusses the impact of the government shutdown on economic data, how private reports are driving market volatility, and the potential consequences for bond markets as government data resumes.
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.
11-24-2025 “Freddie’s Dead” Are The Bulls Dreams Dead, Too?
——————
We can deal with guesses and dreams, but in reality, what do they mean? Ain’t nothing said ’cause threat is dead.
The threat from old news on jobs is dead. The bulls and bears tested critical levels, grasping for the latest quote from a Federal Reserve member to prompt action, as if that really mattered.
The bulls have until Christmas to break through 3.94 and reach 3.80, opening the door to 3.65. Otherwise, the bears will flip the trend, with a minimum target of 4.33 and 4.44 likely. Currently, the fundamental case is stronger for the bulls than the bears.
‘Cause Threat is dead
These views are mine. Glean dead or alive threats at TMSpotlight.com.
————————-
Song: Freddie’s Dead (1972), Curtis Mayfield.
“Freddie’s Dead” is a song by Curtis Mayfield. It was the theme for the film Super Fly. The single was released before the film was in theaters.
This podcast segment highlights the Senate’s advancement of major housing finance nominees and reminds IMBs to register for MBA’s premier conference ahead of the Thanksgiving holiday.
Adam DeSanctis, VP of Communications at Mortgage Bankers Association
As a strategic public affairs and communications executive with nearly two decades of experience, Adam has deep expertise in strategy, management, and media relations. He is widely considered to be an expert in a variety of communications, including advocacy, brand, executive, crisis, grassroots, and social media. In his career, he has been the MBA spokesperson on a wide variety of real estate research and advocacy-related issues, promoted MBA research and advocacy efforts to financial, political, and trade industry media and on MBA's social media channels, and secured media opportunities for MBA leadership on key real estate trends and issues, generated media coverage for MBA's research and data on mortgage applications, credit availability, homebuilder applications, mortgage forbearance/delinquencies, commercial real estate originations, and forecasts, and other industry analysis, developed key strategic initiatives for MBA's organizational public affairs plan, media relations and member communications support for mPower, MBA's Opens Doors Foundation and MBA's Diversity, Equity, and Inclusion programs.
In this episode, David Lykken sits down with Justin Demola, President of Lenders One, for a timely and candid discussion on the biggest forces shaping independent mortgage bankers today. From credit pricing spikes and rising regulatory scrutiny to the rapid acceleration of AI on both the sales and loan manufacturing sides, Justin offers a behind-the-scenes look at what lenders are experiencing in real time and how the Lenders One cooperative is helping its members stay profitable, compliant, and strategically positioned for the next market cycle. He also shares updates on lender consolidation trends, the explosive growth of L1 Credit and L1 Insurance, and why peer-level collaboration is more valuable than ever. If you want clarity on where the IMB market is heading in 2026 and beyond, this conversation delivers it.
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.
11-18-2025 Will Gov't "Car Wash" The Facts
Bulls might not ever get rich. But markets tell them they’re digging a ditch.
With the shutdown ending, government will wash the facts and the market will spin them. Will the Bulls get out of the ditch or will the Bears bury them?
3.80 in the 10-year yield happens if the Bears fail near term. How much does it depend on the action in commodities? Copper’s rise over the last three months is stalling. Oil struggles but is rising from the bottom. Gold’s torn between global trends. Wheat is waking up. Regardless, clean facts will help.
Come on and send them, please, fact wash.
Clean them with meaning now, fact wash yeah.
These views are mine. Find facts matter at TMSpotlight.com.
Song: Car Wash (1976) Rose Royce
This podcast segment covers recent Fannie Mae updates, including rep and warranty relief for undisclosed debts, extended credit document validity for construction loans, and a shift to a more holistic borrower risk assessment, enhancing access to credit and reducing buyback risk.
Adam DeSanctis, VP of Communications at Mortgage Bankers Association
As a strategic public affairs and communications executive with nearly two decades of experience, Adam has deep expertise in strategy, management, and media relations. He is widely considered to be an expert in a variety of communications, including advocacy, brand, executive, crisis, grassroots, and social media. In his career, he has been the MBA spokesperson on a wide variety of real estate research and advocacy-related issues, promoted MBA research and advocacy efforts to financial, political, and trade industry media and on MBA's social media channels, and secured media opportunities for MBA leadership on key real estate trends and issues, generated media coverage for MBA's research and data on mortgage applications, credit availability, homebuilder applications, mortgage forbearance/delinquencies, commercial real estate originations, and forecasts, and other industry analysis, developed key strategic initiatives for MBA's organizational public affairs plan, media relations and member communications support for mPower, MBA's Opens Doors Foundation and MBA's Diversity, Equity, and Inclusion programs.
Private lending is reshaping real estate investing—and few people understand that landscape better than Chris Lemons of Creative Financing Solutions (CFS), a division born from the powerhouse leadership team at Alcova. In this episode, Chris breaks down how today’s investors are navigating fix-and-flip opportunities, why wholesalers are disrupting inventory, and what smart lenders are doing to responsibly scale private lending while revitalizing communities. From risk assessment and borrower vetting to the explosion of DSCR and rental-focused products, this conversation gives mortgage professionals and investors a front-row look into the new era of creative financing.
Top-producing loan officers are often the last to adopt transformational technology—not because they doubt the value, but because they’re already operating at full capacity. In this episode, David Lykken and Pavan Agarwal break down the psychology behind LO resistance, the J-curve problem that slows adoption, and why traditional agentic AI models struggle to deliver real-world mortgage results. Pavan introduces a radically different approach: cell-based AI, a lightweight, modular system designed to provide immediate utility, zero friction onboarding, and tokenized rewards that change the adoption equation entirely. If you're a lender or tech leader trying to get your team to embrace next-generation tools, this conversation is essential.
In this week’s Hot Topic, David Lykken sits down with Brian Vieaux, the newly appointed President of MISMO, for an eye-opening conversation about the future of mortgage lending. In a rare blend of industry insight and personal vulnerability, Brian shares how a life-altering family crisis reshaped his perspective just weeks before stepping into one of the most influential roles in housing finance. Together, David and Brian unpack the powerful impact MISMO has on every mortgage loan in America, the organization’s crucial work in AI standardization and regulatory alignment, and why lenders can no longer afford to overlook the importance of industry-wide data standards. This interview delivers a timely, behind-the-scenes perspective on leadership, resilience, and the innovations poised to define the next era of mortgage banking.
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.
This podcast segment discusses the impact of the government shutdown on economic data, how private reports are driving market volatility, and the potential consequences for bond markets as government data resumes.
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.
11-11-2025 Model Data Is “Feeling Good”
———————
It’s a new dawn. It’s a new day. It’s a new life, for facts. Data feeling good.
Using economic models to imitate government data results in moderation. Facts are messy while models are smooth. The void has also been filled with previously less public alternative data and analytics.
Upon the return of government data, a new world begins. There’ll be a recalibration to government statistical releases, and more confidence in an expanding universe of alternative data and AI-powered analytics. When the shutdown ends, expect volatility to rise.
Data, they’re feeling good.
These views are mine. Find feeling good facts at TMSpotlight.com.
——————-
Song: Feeling Good (1965) Nina Simone’s popular standard
Used in the Disney Cruella movie in 2021
This podcast segment covers recent Fannie Mae updates, including rep and warranty relief for undisclosed debts, extended credit document validity for construction loans, and a shift to a more holistic borrower risk assessment, enhancing access to credit and reducing buyback risk.
Adam DeSanctis, VP of Communications at Mortgage Bankers Association
As a strategic public affairs and communications executive with nearly two decades of experience, Adam has deep expertise in strategy, management, and media relations. He is widely considered to be an expert in a variety of communications, including advocacy, brand, executive, crisis, grassroots, and social media. In his career, he has been the MBA spokesperson on a wide variety of real estate research and advocacy-related issues, promoted MBA research and advocacy efforts to financial, political, and trade industry media and on MBA's social media channels, and secured media opportunities for MBA leadership on key real estate trends and issues, generated media coverage for MBA's research and data on mortgage applications, credit availability, homebuilder applications, mortgage forbearance/delinquencies, commercial real estate originations, and forecasts, and other industry analysis, developed key strategic initiatives for MBA's organizational public affairs plan, media relations and member communications support for mPower, MBA's Opens Doors Foundation and MBA's Diversity, Equity, and Inclusion programs.
Is there really an AI bubble brewing? In this week’s AI Update, David Lykken and Pavan Agarwal dive deep into Michael Burry’s latest warning—drawing parallels to The Big Short while unpacking how today’s AI economy fundamentally differs from the 2008 mortgage meltdown. From NVIDIA’s massive chip-driven valuations to how depreciation schedules distort corporate earnings, Pavan breaks down what’s real risk, what’s market noise, and why the underlying infrastructure of AI is still a powerful long-term play. The conversation highlights what mortgage and fintech leaders should watch in OpenAI’s revenue trajectory, where corrections could emerge, and why the U.S.-built data center boom may be the biggest story of all.
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.
In this thought-provoking segment of Lykken on Lending, industry leaders unpack the Fed’s “foggy” direction, the pressures lenders face from shrinking margins, and why the mortgage industry continues to repeat many of the same mistakes from past cycles. Drawing on decades of experience, voices like Bill Corbet, David Kittle, Marc Helm, and Alice Alvey tackle everything from subsidized pricing and technology inefficiencies to GSE risk and political influence, calling for renewed accountability, smarter data use, and genuine reform. It’s a candid conversation about lessons unlearned—and the resilience needed to move the industry forward.
This podcast segment explains the FinCEN rule extension on reporting non-financed real estate transactions, highlighting new compliance requirements for attorneys, realtors, and others involved in cash property deals.
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!
This podcast segment breaks down how the Fed’s decision to cut rates and end quantitative tightening left markets steady, with 10-year yields hovering near 4.1% as traders await fresh economic data following the government shutdown.
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.
In this week’s AI Update, David Lykken sits down with Angel AI founder and CEO Pavan Agarwal to discuss the stunning $120 billion valuation validated by Liquid X—one of Silicon Valley’s most respected IP valuation firms. Agarwal reveals how 25 years of engineering, $100 million in personal investment, and a deep foundation in vectorized data positioned Angel AI to succeed precisely where others now admit limits to “general AI.” The conversation explores why vertical integration, intellectual property, and real-world data matter more than massive GPU farms, and how Angel AI’s architecture is reshaping the future of lending and capital markets.
11-04-2025 Rates Down Time To "Paint it Black"
Bonds see a red stat, and they want it painted black. No colors from gurus, Bonds want them to turn black.
With lenders subsidizing mortgage rates, our target of 6.125% was reached, while the 10-year yield touched 3.94%. Our bull target remains the same at 3.80 in the 10-year yield.
The declining chance of a Dec Fed cut, tame tariffs, and fiscal discipline fuel long rates downward after the mild correction ends. A move back to 6.125% in the 30-year mortgage rates will coincide with the 10-year reaching 3.80%.
Bonds have to turn their head.
Until their darkness goes.
These views are mine. Find out who’s painting black at TMSpotlight.com.
Song: Paint It Black (1966) The Rolling Stones
This podcast segment explains how the Mortgage Bankers Association is responding to the CFPB’s proposed open banking rule, advocating for stronger data security, consumer opt-in protections, and an end to risky screen-scraping practices.
Adam DeSanctis, VP of Communications at Mortgage Bankers Association
As a strategic public affairs and communications executive with nearly two decades of experience, Adam has deep expertise in strategy, management, and media relations. He is widely considered to be an expert in a variety of communications, including advocacy, brand, executive, crisis, grassroots, and social media. In his career, he has been the MBA spokesperson on a wide variety of real estate research and advocacy-related issues, promoted MBA research and advocacy efforts to financial, political, and trade industry media and on MBA's social media channels, and secured media opportunities for MBA leadership on key real estate trends and issues, generated media coverage for MBA's research and data on mortgage applications, credit availability, homebuilder applications, mortgage forbearance/delinquencies, commercial real estate originations, and forecasts, and other industry analysis, developed key strategic initiatives for MBA's organizational public affairs plan, media relations and member communications support for mPower, MBA's Opens Doors Foundation and MBA's Diversity, Equity, and Inclusion programs.
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.
This podcast segment explores AI adoption, vendor risk, data integrity, and new compliance challenges emerging from the MBA Annual Conference — plus a few surprising insights (and laughs) from the evolving world of mortgage technology.
Allen Pollack, Tech ConsultantAllen 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.
This podcast segment breaks down Freddie Mac’s new SOC 2 audit expectations, showing why lenders of all sizes must strengthen data security, internal audits, and operational controls to stay compliant and competitive.
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!
This podcast segment explains how bond yields remain below 4% amid limited economic data, renewed trade tensions, and anticipation for the upcoming CPI report once government data resumes.
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.
10-28-2025 "Walking In Rhythm" Traders and Poets Say Get A Loan
Walking In Rhythm. Findin' no sound.
Traders and poets try to find rhythm and reason amid chaos, confusion, and calm.
Falling Oil prices reduce the fear of inflation, while rising prices increase the fear of recession. With credit markets strengthening the odds of recession, generally, raises in Oil prices do not instill fear of inflation. So, rates can fall regardless if oil prices rise or fall. Mortgage payments are dropping due to home prices and rates falling.
Got to get a loan.
These views are mine. Find the Rhythm at TMSpotlight.com.
Song: Walking In Rhythm (1974) The Blackbyrds
This podcast segment explains how the Mortgage Bankers Association is responding to the CFPB’s proposed open banking rule, advocating for stronger data security, consumer opt-in protections, and an end to risky screen-scraping practices.
Adam DeSanctis, VP of Communications at Mortgage Bankers Association
As a strategic public affairs and communications executive with nearly two decades of experience, Adam has deep expertise in strategy, management, and media relations. He is widely considered to be an expert in a variety of communications, including advocacy, brand, executive, crisis, grassroots, and social media. In his career, he has been the MBA spokesperson on a wide variety of real estate research and advocacy-related issues, promoted MBA research and advocacy efforts to financial, political, and trade industry media and on MBA's social media channels, and secured media opportunities for MBA leadership on key real estate trends and issues, generated media coverage for MBA's research and data on mortgage applications, credit availability, homebuilder applications, mortgage forbearance/delinquencies, commercial real estate originations, and forecasts, and other industry analysis, developed key strategic initiatives for MBA's organizational public affairs plan, media relations and member communications support for mPower, MBA's Opens Doors Foundation and MBA's Diversity, Equity, and Inclusion programs.
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.
In this week's Weekly Mortgage Update commentary, David and the regulars. including Bill, David Kittle, Marc, Alice, and Allen break down the key takeaways from the MBA Annual Conference in Las Vegas.
From Les Parker’s bond forecasts and Mike Fratantoni’s modest growth projections to Marina Walsh’s profitability data, the panel explores the delicate balance between optimism and realism in today’s market. Topics include the impact of tariffs, Fed policy, profit margins, and demographic shifts shaping homeownership demand.
The conversation highlights the return of wholesale lending, the rising cost to originate, and the need for lenders to rethink their tech stacks and cost structures to stay competitive. Veteran insight from Mark Jones underscores the operational realities facing independent lenders, while Alice reminds listeners that growth will depend on taking market share — not waiting for a boom.
It’s a candid, data-driven reflection on where the mortgage industry stands — and where it’s headed next.
This podcast segment explores how AI is transforming mortgage technology, warning that legacy vendors risk becoming “plumbing” unless they modernize with open APIs and AI-native workflows.
Allen Pollack, Tech ConsultantAllen 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.
This podcast segment features Alice Alvey breaking down the FHFA’s 2026–2030 Strategic Plan, highlighting its focus on anti-fraud, deregulation, and housing supply — and urging lenders to provide feedback before the November 5th deadline.
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!
This podcast segment explains how bond yields remain below 4% amid limited economic data, renewed trade tensions, and anticipation for the upcoming CPI report once government data resumes.
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.
10.20.25 "Oh, Lonesome Me" Shutdown Alters Market Uncertainty
Forget about low oil and find inflation soon. Bears thought of everything from A to Z.
Oh, Lonesome Bears.
Bonds love misery, like Federal layoffs, cheap oil, China’s exporting deflation, and Europe’s political struggles. Ironically, the absence of government statistics, due to the shutdown, reduces market uncertainty because traders become dependent on moderate model guesses
The Bulls are approaching our target of 3.80 in the 10-year yield. Can mortgages reach 6%?
Oh, Lonesome Bears
These views are mine. Lose bearish blues at TMSpotlight.com.
Song: Oh, Lonesome Me (1958) Don Gibson
In this week’s AI Update, David Lykken sits down with Pavan Agarwal to discuss the groundbreaking innovations driving Angel AI’s $119 billion valuation. From the rise of AI twins that communicate and transact autonomously, to the tokenization of real estate equity through blockchain, this episode unveils how the mortgage process is evolving into a seamless, AI-driven financial ecosystem. Pavan shares insights into a future where homeownership, estate planning, and financial wellness are all interconnected through secure, personalized digital platforms — redefining what it means to manage a “life contract.”
This podcast segment breaks down the FHFA’s newly released 2026–2030 Strategic Plan, highlighting its focus on GSE oversight, deregulation, housing supply, and ongoing efforts to strengthen the U.S. housing finance system.
Adam DeSanctis, VP of Communications at Mortgage Bankers Association
As a strategic public affairs and communications executive with nearly two decades of experience, Adam has deep expertise in strategy, management, and media relations. He is widely considered to be an expert in a variety of communications, including advocacy, brand, executive, crisis, grassroots, and social media. In his career, he has been the MBA spokesperson on a wide variety of real estate research and advocacy-related issues, promoted MBA research and advocacy efforts to financial, political, and trade industry media and on MBA's social media channels, and secured media opportunities for MBA leadership on key real estate trends and issues, generated media coverage for MBA's research and data on mortgage applications, credit availability, homebuilder applications, mortgage forbearance/delinquencies, commercial real estate originations, and forecasts, and other industry analysis, developed key strategic initiatives for MBA's organizational public affairs plan, media relations and member communications support for mPower, MBA's Opens Doors Foundation and MBA's Diversity, Equity, and Inclusion programs.
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.
In a breakthrough moment for mortgage technology, True and Candor have joined forces to launch the industry’s first instant income verification solution—a partnership that promises to redefine how lenders qualify borrowers. In this episode of Lykken on Lending, host David Lykken sits down with Steve Butler, CEO of True, and Ryan Edmonds, CEO of Candor, to discuss how their combined strengths—trusted data and trusted decisioning—are delivering AI-powered, insured income verification in under 60 seconds. Drawing parallels to the iconic pairing of chocolate and peanut butter, this collaboration is being hailed as the “Reese’s moment” for mortgage innovation, empowering loan officers, streamlining underwriting, and giving lenders unprecedented confidence in every decision.
In this episode of Lykken on Lending, David Lykken sits down with visionary innovator Pavan Agarwal, CEO of Angel AI, to discuss how chat-based artificial intelligence and blockchain technology are revolutionizing global banking and lending. Fresh off his meetings with top financial leaders and government officials in Saudi Arabia and at the North American Blockchain Summit, Pavan shares how nations abroad are rapidly adopting AI-driven, chat-first banking systems—while many U.S. institutions risk falling behind. From achieving zero defects in federal audits to envisioning a 2030 world of 24/7 blockchain-powered homebuying, this conversation reveals why the future of finance is conversational, compliant, and borderless.
In this episode, David and the regulars discuss the far-reaching consequences of the government’s latest moves — including the permanent elimination of HUD’s Office of Housing Counseling and the dismantling of CDFI programs under the Treasury Department. With thousands of jobs cut and key community programs shuttered, the panel explores what this means for housing access, lender liability, and the growing role of private enterprise in areas once dominated by federal support. The conversation also touches on market reactions, long-term efficiency gains, and the ethical tension between fiscal responsibility and public service.
In this thought-provoking episode of Lykken on Lending, David Lykken sits down with Ellen Petry Leanse—a neuroscience educator, former Apple and Google innovator, and bestselling author—to explore how we can put our brains to work for us instead of against us. Ellen unpacks practical neuroscience tools for self-awareness, emotional regulation, and peak performance—sharing how small daily habits like mindful breathing, reflection, and visualization can rewire our thinking for clarity and calm. From navigating stressful homebuying decisions to achieving real work-life balance, this conversation reveals how understanding your brain is the ultimate leadership and life advantage.
This podcast segment highlights the Senate’s passage of the bipartisan Road to Housing Act amid the ongoing government shutdown, a key step toward expanding housing affordability and preserving access to homeownership programs nationwide.
Adam DeSanctis, VP of Communications at Mortgage Bankers Association
As a strategic public affairs and communications executive with nearly two decades of experience, Adam has deep expertise in strategy, management, and media relations. He is widely considered to be an expert in a variety of communications, including advocacy, brand, executive, crisis, grassroots, and social media. In his career, he has been the MBA spokesperson on a wide variety of real estate research and advocacy-related issues, promoted MBA research and advocacy efforts to financial, political, and trade industry media and on MBA's social media channels, and secured media opportunities for MBA leadership on key real estate trends and issues, generated media coverage for MBA's research and data on mortgage applications, credit availability, homebuilder applications, mortgage forbearance/delinquencies, commercial real estate originations, and forecasts, and other industry analysis, developed key strategic initiatives for MBA's organizational public affairs plan, media relations and member communications support for mPower, MBA's Opens Doors Foundation and MBA's Diversity, Equity, and Inclusion programs.
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.
10-06-2025 It's "Natural" For Bulls To Make It
Will Bulls hold the line?
When everyone of them have given up and given in? Tell me. Is it asinine?
Who is sillier? Ursula von der Leyen, Friedrich Merz, or Emmanuel Macron? The coalition of the willing is heading Europe’s economic quest to slay the Russian windmills in Don Quixote fashion. As a result, Europeans pay ever-higher energy costs.
Meanwhile, their folly supports lower Oil prices in the US. So, it’s easier to see 3.80 rather than 4.30 in the 10-year yield.
Bulls Gonna Make It. Natural.
You gotta be so cold.
You are a natural.
These views are mine. See how Bonds are cold naturally at TMSpotlight.com.
Natural (2018) Imagine Dragons
This podcast segment highlights FICO’s new direct-to-lender licensing model could reshape the credit reporting landscape, cutting out the middleman and potentially lowering costs for lenders and consumers—if the implementation lives up to its promise.
Adam DeSanctis, VP of Communications at Mortgage Bankers Association
As a strategic public affairs and communications executive with nearly two decades of experience, Adam has deep expertise in strategy, management, and media relations. He is widely considered to be an expert in a variety of communications, including advocacy, brand, executive, crisis, grassroots, and social media. In his career, he has been the MBA spokesperson on a wide variety of real estate research and advocacy-related issues, promoted MBA research and advocacy efforts to financial, political, and trade industry media and on MBA's social media channels, and secured media opportunities for MBA leadership on key real estate trends and issues, generated media coverage for MBA's research and data on mortgage applications, credit availability, homebuilder applications, mortgage forbearance/delinquencies, commercial real estate originations, and forecasts, and other industry analysis, developed key strategic initiatives for MBA's organizational public affairs plan, media relations and member communications support for mPower, MBA's Opens Doors Foundation and MBA's Diversity, Equity, and Inclusion programs.
The Texas Mortgage Bankers Association is making history once again. In this episode, David Lykken sits down with Scott Norman, President of the TMBA, to discuss how the organization is redefining what a state association can be—by becoming a destination for collaboration, innovation, and thought leadership. As the TMBA prepares to host the Texas Housing Summit at the LBJ Presidential Library in Austin, celebrating the 60th anniversary of the Housing and Urban Development Act, Scott shares the vision behind the event, the impressive lineup of national speakers, and the mission to shape the future of homeownership across America. From regulatory reform to housing affordability, this summit—and this conversation—showcases why Texas is leading the way.
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.
This podcast segment highlights PennyMac’s investment in Vesta’s LOS, survey findings that non-bank lenders are leading in tech adoption and API development, and new AI-powered tools like MORI, ACEs, and Friday Harbor that are reshaping underwriting, compliance, and loan origination.
Allen Pollack, Tech ConsultantAllen 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.
This podcast segment examines FHA compare ratios, the risks and rewards of outsourcing, and how smaller lenders can stay competitive by focusing on efficiency, niche products, and smart partnerships.
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!
09-30-2025 The Yield Dancing "Gonna Make You Sweat"
Best Get moving music!
After the Fed ease, the 10-year yield dipped to 3.99% followed by a test of the August lows of 4.20. Mortgage rates love the slow-to-ease Fed giving them moving music.
Expect the 10-year yield to dance within a range of 4.30% to 4% without disturbing the bullish trend. Regardless, look for the bulls to find its groove again and tap dance on 3.80.
These views are mine. Catch the latest moves at TMSpotlight.com.
Song: "Gonna Make You Sweat (Everybody Dance Now)" (1990) C+C Music Factory
This podcast segment unpacks the MBA’s GSE reform principles and conservatorship exit, highlighting priorities around competition, capital standards, and a federal backstop to protect the housing market.
Adam DeSanctis, VP of Communications at Mortgage Bankers Association
As a strategic public affairs and communications executive with nearly two decades of experience, Adam has deep expertise in strategy, management, and media relations. He is widely considered to be an expert in a variety of communications, including advocacy, brand, executive, crisis, grassroots, and social media. In his career, he has been the MBA spokesperson on a wide variety of real estate research and advocacy-related issues, promoted MBA research and advocacy efforts to financial, political, and trade industry media and on MBA's social media channels, and secured media opportunities for MBA leadership on key real estate trends and issues, generated media coverage for MBA's research and data on mortgage applications, credit availability, homebuilder applications, mortgage forbearance/delinquencies, commercial real estate originations, and forecasts, and other industry analysis, developed key strategic initiatives for MBA's organizational public affairs plan, media relations and member communications support for mPower, MBA's Opens Doors Foundation and MBA's Diversity, Equity, and Inclusion programs.
In this episode of Lykken on Lending, we dive into the art and science of building brands with Andrew McLean, the creative force behind the award-winning Angel AI identity. From his early start in advertising at just 14 years old to shaping campaigns for Disney, Citibank, and Unilever, Andrew has spent decades refining the craft of connecting people to brands in ways that inspire trust, love, and loyalty. Together with host David Lykken, Andrew reveals how empathy—not just data—drives true innovation in branding, why consistency and simplicity matter more than ever, and how Angel AI is transforming financial services by making them not only more accessible but more human. This is a masterclass in building brands that resonate deeply, create cultural relevance, and ultimately drive meaningful growth.
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.
This podcast segment unpacks how the Fed’s latest rate cut, dot plot projections, and Powell’s press conference shaped bond market momentum and set the stage for upcoming jobs data.
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.
09.23.2025 "Abraham, Martin and John" Political Divide Continues to Impact US Rates
Anybody here seen God’s servant Charlie? Can you tell me what went wrong? He freed many students, but it seems that the good they die young.
The martyrdom of Charlie Kirk for Jesus and free speech is a symptom of change. Massive protests over migration, the loss of economic security, and crime in the Advanced economies show that far-left politics continue to lose support to common-sense parties. It also reveals that the US is adapting to the reality of a multi-polar world more quickly than Europe. So, US rates are falling.
Live in truth without frowns.
These views are mine. Don’t frown, find reality at TMSpotlight.com.
Song: Abraham, Martin, and John (1968) Dion
This podcast segment unpacks the MBA’s GSE reform principles and conservatorship exit, highlighting priorities around competition, capital standards, and a federal backstop to protect the housing market.
Adam DeSanctis, VP of Communications at Mortgage Bankers Association
As a strategic public affairs and communications executive with nearly two decades of experience, Adam has deep expertise in strategy, management, and media relations. He is widely considered to be an expert in a variety of communications, including advocacy, brand, executive, crisis, grassroots, and social media. In his career, he has been the MBA spokesperson on a wide variety of real estate research and advocacy-related issues, promoted MBA research and advocacy efforts to financial, political, and trade industry media and on MBA's social media channels, and secured media opportunities for MBA leadership on key real estate trends and issues, generated media coverage for MBA's research and data on mortgage applications, credit availability, homebuilder applications, mortgage forbearance/delinquencies, commercial real estate originations, and forecasts, and other industry analysis, developed key strategic initiatives for MBA's organizational public affairs plan, media relations and member communications support for mPower, MBA's Opens Doors Foundation and MBA's Diversity, Equity, and Inclusion programs.
In this week’s AI Update, David Lykken sits down with Pavan Agarwal, founder of Angel AI, to unpack one of the most pressing issues in mortgage technology: accuracy. While generative AI models like Gemini often “guess” at answers, Angel AI’s deterministic approach ensures precision on critical topics like FHA vs. FHFA credit score requirements. Pavon also shares insights into predictive AI and Eric Schmidt’s bold prediction that user interfaces will soon disappear, replaced by natural conversations with your AI assistant. For mortgage leaders, this episode is a clear reminder that the future belongs to those who harness AI tools that are both innovative and reliable.
In today’s relationship-driven mortgage and business world, success hinges not just on what you know, but how you connect. In this episode of Lykken on Lending, David Lykken sits down with communication and networking expert Patti DeNucci, author of The Intentional Networker and More Than Just Talk. Patti shares her powerful insights on preparing for meaningful conversations, navigating networking events with confidence (whether you’re an introvert, extrovert, or ambivert), and cultivating authentic connections that drive both personal fulfillment and professional growth. If you’re ready to move beyond small talk and start building relationships that truly matter, this episode is a must-listen.
In this week’s commentary, industry leaders weigh the tug-of-war between global risks, stubborn inflation, and the Fed’s next moves on rates. Bill points to Europe’s political and economic instability, China’s weakness, and potential U.S. recessionary pressures as the real catalysts for materially lower yields, while Kittle highlights how falling government loan rates are already lifting refi volume and industry morale. Marc adds a blunt critique of the Fed’s “analysis paralysis,” calling for simpler, more decisive action to support the housing market. Together, the discussion underscores how external shocks may matter more than dot plots — and why lenders must prepare for uncertainty on all fronts.
This podcast segment explores how AI is transforming mortgage technology, warning that legacy vendors risk becoming “plumbing” unless they modernize with open APIs and AI-native workflows.
Allen Pollack, Tech ConsultantAllen 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.
This podcast segment examines FHA compare ratios, the risks and rewards of outsourcing, and how smaller lenders can stay competitive by focusing on efficiency, niche products, and smart partnerships.
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!
This podcast segment analyzes recent CPI and PPI data, the 10-year Treasury’s bounce at 4%, and why the Fed’s dot plot will be the key signal for future rate cuts.
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.
09.16.25 Is The Fed An "Elevator Operator?"
Don't jump bullish bonds, don't jump off that roof.
You've got lower yields ahead of you; you're still in your youth.
Bears give anything to have gains like you.
Is the mortgage market an elevator going up or down?
With the 10-year yield breaching at 4%, what occurs next: 4.20 or 3.80? Economic news continues to provide a plethora of bullish and bearish inflation and growth indicators, but bulls have the edge.
To go significantly below 3.80 requires an accelerated decline in Europe, surprisingly negative data from China, or the US showing significantly weaker inflation and growth.
Jay said, "All I ever wanted to be was an elevator operator. Can you help me, please?"
These views are mine. Fans Don’t Jump at TMSpotlight.
Song: Elevator Operator (2015) Courtney Barnett
This podcast segment unpacks the MBA’s GSE reform principles and conservatorship exit, highlighting priorities around competition, capital standards, and a federal backstop to protect the housing market.
Adam DeSanctis, VP of Communications at Mortgage Bankers Association
As a strategic public affairs and communications executive with nearly two decades of experience, Adam has deep expertise in strategy, management, and media relations. He is widely considered to be an expert in a variety of communications, including advocacy, brand, executive, crisis, grassroots, and social media. In his career, he has been the MBA spokesperson on a wide variety of real estate research and advocacy-related issues, promoted MBA research and advocacy efforts to financial, political, and trade industry media and on MBA's social media channels, and secured media opportunities for MBA leadership on key real estate trends and issues, generated media coverage for MBA's research and data on mortgage applications, credit availability, homebuilder applications, mortgage forbearance/delinquencies, commercial real estate originations, and forecasts, and other industry analysis, developed key strategic initiatives for MBA's organizational public affairs plan, media relations and member communications support for mPower, MBA's Opens Doors Foundation and MBA's Diversity, Equity, and Inclusion programs.
In this episode of the AI Update, David Lykken welcomes Kevin Popovic—better known as The Idea Guy—to discuss how AI can amplify, not replace, human intelligence. Drawing on his work with LoanWorks, his university teaching, and his upcoming book Amplified, Kevin explains why leaders must stop treating AI like Google and start treating it as a tool for reimagining business models. He shares practical examples of using generative AI to identify the right problems, design real solutions, and unlock opportunities that traditional thinking often misses.
In this episode of Lykken on Lending, David Lykken welcomes Donn Healy, music producer turned fintech innovator, to explore how AI and blockchain are reshaping financial access. From empowering artisans in developing economies to redefining mortgage lending with microfinance and decentralized systems, Donn shares his vision for a more inclusive future. Listeners will hear how technology can create fairness, transparency, and opportunity across industries—and why mortgage professionals should be paying close attention to these emerging models.
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.
In this week’s discussion, our expert panel digs into the hot question dominating the mortgage market: will the Fed cut rates by 25 or 50 basis points in September—and what will that really mean for borrowers? With unemployment data, CPI expectations, and global economic weakness all in play, the team weighs the Fed’s credibility, the risks of waiting, and the very real possibility of a surge in loan locks if rates dip further. The consensus? Don’t sit on the sidelines—encourage clients to take advantage of today’s improving rates and remember that refinancing later is always an option.
This podcast segment explores how AI is transforming mortgage technology and operations, the end of trigger leads shifting lenders toward borrower experience, and growing regulatory caution around using crypto in mortgage underwriting.
Allen Pollack, Tech ConsultantAllen 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.
This podcast segment unpacks the new trigger lead rules, the importance of firm offers of credit, and the growing scrutiny around occupancy misrepresentation and mortgage fraud.
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!
This podcast segment highlights how recent CPI and PPI data, retail sales strength, and tariff impacts are shaping mortgage rate volatility, with markets now focused on Jackson Hole and the upcoming jobs report to gauge the Fed’s next moves.
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.
09.08.25 "Right Place, Wrong Time" In The Fed World
Rates in the Right Place. But they fall back at the Wrong Time. Pipelines are in a bad place. But it could be a good time.
The 10-year yield reached our minimum target of 4.11 and came within 6 bps of 4.01, the major resistance level. Taking it out sets the stage to reach our bull target of 3.80.
What support is needed to reach it by the end of September? Weak US jobs, which lacks inflationary pressure, helps the Fed ease on September 17. However, the big push to lower rates will come from deteriorating economic indicators in Europe and growing discontent with the European Union’s unfavorable policies.
We living the Fed world. But it seems so wrong, wrong, wrong, wrong, wrong.
These views are mine. See the right move for the wrong times at TMSpotlight.com.
Song: Right Place, Wrong Time
This podcast segment highlights President Trump’s signing of the trigger leads ban into law, a long-awaited MBA-backed victory that will protect borrowers from unwanted solicitations and create a fairer mortgage process starting March 5, 2026.
Adam DeSanctis, VP of Communications at Mortgage Bankers Association
As a strategic public affairs and communications executive with nearly two decades of experience, Adam has deep expertise in strategy, management, and media relations. He is widely considered to be an expert in a variety of communications, including advocacy, brand, executive, crisis, grassroots, and social media. In his career, he has been the MBA spokesperson on a wide variety of real estate research and advocacy-related issues, promoted MBA research and advocacy efforts to financial, political, and trade industry media and on MBA's social media channels, and secured media opportunities for MBA leadership on key real estate trends and issues, generated media coverage for MBA's research and data on mortgage applications, credit availability, homebuilder applications, mortgage forbearance/delinquencies, commercial real estate originations, and forecasts, and other industry analysis, developed key strategic initiatives for MBA's organizational public affairs plan, media relations and member communications support for mPower, MBA's Opens Doors Foundation and MBA's Diversity, Equity, and Inclusion programs.
In mortgage lending, “close enough” isn’t good enough. While general-purpose AI models like Gemini can generate impressive answers, they often provide probabilistic responses that introduce risk, confusion, and even costly repurchase scenarios. In this episode of the Weekly AI Update, David Lykken sits down with Jennifer, CTO of Angel AI, to unpack the difference between probabilistic and deterministic AI, share real-world borrower case studies, and explain why mortgage professionals must demand precision over possibility when leveraging AI in critical lending decisions.
Success in mortgage lending has always hinged on relationships — but in today’s market, mastering those relationships requires both human authenticity and smart use of technology. In this episode of Lykken on Lending, Ron Vaimberg joins me to explore his new book The Purchase Shift Playbook and share proven strategies for winning agent partnerships in a purchase-first world. From asking better questions that uncover real needs, to overcoming common realtor objections, to weaving AI into your workflow without losing the personal touch, this conversation is a blueprint for loan officers who want to dominate the purchase 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 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.
This podcast segment covers how the MBA is urging FHFA to refine its condo “critical repairs” policy to protect safety standards without blocking financing for thousands of buyers.
Adam DeSanctis, VP of Communications at Mortgage Bankers Association
As a strategic public affairs and communications executive with nearly two decades of experience, Adam has deep expertise in strategy, management, and media relations. He is widely considered to be an expert in a variety of communications, including advocacy, brand, executive, crisis, grassroots, and social media. In his career, he has been the MBA spokesperson on a wide variety of real estate research and advocacy-related issues, promoted MBA research and advocacy efforts to financial, political, and trade industry media and on MBA's social media channels, and secured media opportunities for MBA leadership on key real estate trends and issues, generated media coverage for MBA's research and data on mortgage applications, credit availability, homebuilder applications, mortgage forbearance/delinquencies, commercial real estate originations, and forecasts, and other industry analysis, developed key strategic initiatives for MBA's organizational public affairs plan, media relations and member communications support for mPower, MBA's Opens Doors Foundation and MBA's Diversity, Equity, and Inclusion programs.
In this week’s AI Update, we unpack the buzz around Agentic AI—intelligent agents designed to handle tasks autonomously, from booking travel to processing a mortgage loan. While the promise is compelling, the pitfalls are real: without careful design, agent-based systems can quickly devolve into “spaghetti code,” creating inefficiencies instead of eliminating them. Join David Lykken and Pavan Agarwal as they break down what agentic AI really means, how it applies to the mortgage industry, and why thoughtful engineering—not just smarter models—will determine its success.
In this conversation, Kelly Resendez (GoodLeap strategic advisor, Co-Founder of GoBundance Women, and author of Big Voices) lays out a practical playbook for high-performing mortgage pros to grow without burnout. We unpack her three pillars—clarifying how you want to feel, installing daily disciplines (morning rituals, language audits, “abundance audits”), and engineering your environment (people, inputs, boundaries). Kelly replaces flimsy motivation with conviction and clarity, shares the mantra “I own my joy,” and shows how to turn every call into a life-changing introduction for you and others. If you’re a loan officer, branch leader, or exec chasing production and peace, this episode is a blueprint for sustainable success.
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.
The AI boom is starting to look a lot like the dot-com bubble of the 1990s — with thousands of startups rushing to market, only for most to collapse under weak business models. In this week’s episode of Lykken on Lending, David Lykken and Pavan Agarwal break down MIT’s recent report predicting that 95% of AI startups will fail, the disappointing reality of ChatGPT-5, and what this means for mortgage lenders and fintech innovators. They dive into the critical difference between probabilistic AI (guesswork) and deterministic AI (traceable, auditable, and regulator-ready) — and why the companies that master determinism will drive the next wave of disruption in capital markets and lending.
In today’s mortgage market, success depends on strong, intentional partnerships between loan officers and real estate agents. In this episode of Lykken on Lending, David Lykken sits down with Steven Wynands, Co-Founder and CEO of RETR, to discuss how his platform is reshaping the way mortgage professionals and realtors connect. From his unique personal journey to the 15-year “overnight success” of building RETR, Steven shares how innovation, data, and relationship-centered technology are creating a new era of collaboration—empowering loan officers to deliver more value, build stronger networks, and ultimately serve borrowers better.
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.
In this Conversations with Pavan episode of Lykken on Lending, David Lykken sits down with Pavan Agarwal, founder of Sun West and creator of Angel AI, to uncover how artificial intelligence, blockchain, and stablecoin are reshaping the mortgage industry. With Angel AI already empowering hundreds of thousands of loan officers and realtors, and with billions of dollars in new global capital entering U.S. mortgage markets through innovative stablecoin-backed structures, Pavan explains why the old ways of doing business can no longer compete. This is a must-listen discussion on the future of lending, the rise of AI twins, and the new financial era redefining trust and transparency in mortgage finance.
This podcast segment explores how AI is transforming mortgage technology and operations, the end of trigger leads shifting lenders toward borrower experience, and growing regulatory caution around using crypto in mortgage underwriting.
Allen Pollack, Tech ConsultantAllen 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.
This podcast segment highlights that loan officer compensation is back in the headlines, with an imminent CFPB rulemaking focused on discretionary bonus provisions—giving lenders a critical opportunity to weigh in early.
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!
This podcast segment highlights how recent CPI and PPI data, retail sales strength, and tariff impacts are shaping mortgage rate volatility, with markets now focused on Jackson Hole and the upcoming jobs report to gauge the Fed’s next moves.
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.
08-18-2025 "We're An American Band" Market Sets Rates, Not the Fed.
Need an American Bang. Need an American Bang. It needs jobs back in town. And beat inflation back down. Need an American Bang.
The world needs an American surge of job-creating growth with high productivity from AI driving down inflation. Aggressive easing will likely raise mortgage rates. The market sets the rates, reflecting the supply and demand for mortgages, not the Fed.
The market building in 150 bps of easing threatens mortgage rates reaching 6%. Weakness in oil and industrial metals reflects the slowdown in global economic activity. Hear the world crying out for an American bang.
Need an American Bang.
These views are mine. See what the world wants at TMSpotlight.com.
Song: We're An American Band (1973) Grand Funk Railroad
In today’s competitive mortgage and real estate landscape, success isn’t about working harder — it’s about mastering the right skills with purpose and consistency. In this episode of Lykken on Lending, David Lykken is joined by Todd Duncan, the founder of Sales Mastery, to discuss the proven principles behind transforming your sales career. From the importance of practice and preparation, to aligning your life force with your professional calling, Todd shares insights that have shaped thousands of top producers over the last 30 years. Whether you’re stuck and looking for momentum, or ready to push beyond boundaries, this conversation offers the tools and mindset shifts you need to thrive.
The AI revolution waits for no one. That's why mortgage industry veterans David Lickin and Pavan Agarwal are launching weekly AI updates to keep you ahead of the curve in this rapidly evolving technological landscape.
OpenAI's Sam Altman recently made headlines with a stunning admission that his company "totally screwed up" the ChatGPT launch, acknowledging the loss of personalization and warmth that made the AI assistant appealing to its 700 million weekly users. While demonstrating impressive capabilities like generating a Netflix-style interface from a simple prompt, deeper testing revealed competitors like Amazon's AI system still outperform OpenAI in critical areas like code generation.
The conversation takes a fascinating turn as Pavan explains why AI development fundamentally differs from traditional software engineering. "You can't scale by adding more engineers," he explains, drawing parallels to how Newton's simple F=ma equation revolutionized physics. In AI, mathematical breakthroughs from genius-level insights drive progress—not just throwing more resources at the problem. This mathematical foundation helps explain why Microsoft's CEO admits struggling to monetize AI while Oracle appears to be doubling down on the technology.
Trust remains the critical challenge for AI adoption. When even Sam Altman warns users not to fully trust ChatGPT's outputs, how can businesses build sustainable models around the technology? The answer may lie in specialized applications, as Pavan reveals with Angel AI's latest update that introduces predictive conversation capabilities, enabling the system to anticipate the next best question in a customer interaction—much like an experienced loan officer would naturally guide a conversation.
Want to experience these cutting-edge AI capabilities yourself? Try Angel AI's full version for free at askangelai.com and discover how artificial intelligence is transforming the mortgage industry. Subscribe now to stay informed with our weekly AI updates and never miss a beat in the rapidly evolving world of mortgage technology.
This podcast segment highlights the Spring 2025 mortgage regulatory agenda, including upcoming LO compensation rulemaking, CFPB and FHFA proposals, and key actions that could significantly impact lenders and borrowers across the housing market.
Adam DeSanctis, VP, Communications at Mortgage Bankers Association
As a strategic public affairs and communications executive with nearly two decades of experience, Adam has deep expertise in strategy, management, and media relations. He is widely regarded as an expert in a variety of communications, including advocacy, brand, executive, crisis, grassroots, and social media. In his career, he has been the MBA spokesperson on a wide variety of real estate research and advocacy-related issues, promoted MBA research and advocacy efforts to financial, political, and trade industry media and on MBA’s social media channels, and secured media opportunities for MBA leadership on key real estate trends and issues, generated media coverage for MBA’s research and data on mortgage applications, credit availability, homebuilder applications, mortgage forbearance/delinquencies, commercial real estate originations, and forecasts, and other industry analysis, developed key strategic initiatives for MBA’s organizational public affairs plan, media relations and member communications support for mPower, MBA’s Opens Doors Foundation and MBA’s Diversity, Equity, and Inclusion programs.
This podcast segment highlights how new mortgage technologies—from real-time income verification to blockchain servicing transfers—are reshaping the industry, while rising compliance demands drive a growing wave of vendor consolidation.
Allen Pollack, Tech ConsultantAllen 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.
This podcast segment highlights the critical changes under the new buyer agent commission rules, urging loan officers to stay in their lane and encouraging realtors to sharpen their ability to sell and negotiate their services in today’s evolving market.
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!
This podcast segment explores the impact of Super Bowl 2025 advertisements, highlighting the integration of artificial intelligence by major tech companies and the influential role of social media in shaping consumer engagement.
Allen Pollack, Tech ConsultantAllen 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.
This week's MBS Live Market Update explores how a surprising AI breakthrough, shifting tariff policies, and market volatility influenced bond yields and interest rates.
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.
02.10.25 "Black Dog" Deals are On/Off
Hey, hey tariffs like the way you move. Gonna make friends sweat, gonna make deals groove.
Trump finds ways to move friends and foes to make deals. Last week, misery and mayhem disappeared before the tariff clock struck midnight with our friends. As a result, our vision for a new rate trend emerged because DOGE and tariff news gave investors room to turn the rate trend lower for the 10-year and mortgages.
Oil fell 10% from our 2025 anticipated $80 ceiling, supporting low inflation. The strong Dollar signals investors like US dealmaking.
These views are mine. Find the on-off secret at TMSpotlight.com.
On off on off on off on off on off on off on
Song: Black Dog (1971) Led Zeppelin
HUD and VA’s newly confirmed leaders, Scott Turner and Doug Collins, outline their vision for streamlining lending programs, reducing housing costs, and shaping the future of Fannie Mae and Freddie Mac.
Adam DeSanctis, VP of Communication at Mortgage Bankers Association
As a strategic public affairs and communications executive with nearly two decades of experience, Adam has deep expertise in strategy, management, and media relations. He is widely considered to be an expert in a variety of communications, including advocacy, brand, executive, crisis, grassroots, and social media. In his career, he has been the MBA spokesperson on a wide variety of real estate research and advocacy-related issues, promoted MBA research and advocacy efforts to financial, political, and trade industry media and on MBA's social media channels, and secured media opportunities for MBA leadership on key real estate trends and issues, generated media coverage for MBA's research and data on mortgage applications, credit availability, homebuilder applications, mortgage forbearance/delinquencies, commercial real estate originations, and forecasts, and other industry analysis, developed key strategic initiatives for MBA's organizational public affairs plan, media relations and member communications support for mPower, MBA's Opens Doors Foundation and MBA's Diversity, Equity, and Inclusion programs.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ The Mortgage Collaborative, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. We also have commentaries provided by our Consultants, Bill Corbet and Marc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
This segment explores the current mortgage market landscape, emphasizing interest rate trends, relocation patterns, the challenges of reverse mortgages, and the impact of tariffs, while reinforcing the importance of creative strategies to help borrowers navigate today’s housing market.
This week’s Legislative Update covers key government nominations, the CFPB leadership shake-up, and potential housing policy changes that could impact the mortgage industry.
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!
This week’s tech update explores AI agents transforming automation, the latest AR shake-ups from Apple, and innovative mortgage tech solutions reshaping the industry.
Allen Pollack, Tech ConsultantAllen 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.
This week's MBS Live Market Update explores how a surprising AI breakthrough, shifting tariff policies, and market volatility influenced bond yields and interest rates.
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.
2.03.25 Will Rates Just "Ramble On"?
Ramble On, Golden time. The time for Gold. To sink the Bond.
It’s time for rambling new news. Does tariff news beat Bonds or do bonds beat news? Gold returns to its 2024 highs while March Crude Oil remains bearishly positioned, floating below $75.
Meanwhile, the 10-year yield slouches towards 4.44. High home prices and mortgage rates above 7% continue to constrain mortgage production. A new trend to lower rates is on the horizon.
Bonds ain’t telling no lie.
These views are mine. Find out if Gold or Bonds lie at TMSpotlight.com.
Song: Ramble On (1969) Led Zeppelin
In today’s competitive mortgage landscape, staying ahead requires more than just great products—it takes innovation, strategic leadership, and a culture that embraces change. In this episode, we sit down with Bobby Nicely, Bill Siple, and Rob Lindstrom of Alcova Mortgage to explore how they’ve built a thriving company by integrating gamification, cutting-edge technology, and a people-first leadership approach. From driving operational efficiency through competitive engagement to making smart technology decisions that truly work, Alcova has cracked the code on what it takes to build a high-performing mortgage business. Tune in to hear their insights and strategies that can help you adapt, compete, and win in today’s mortgage market!
The MBA Mortgage Minute highlights the latest advocacy efforts on Capitol Hill, focusing on the potential release of Fannie Mae and Freddie Mac from conservatorship and the need for a responsible transition to maintain market stability.
Adam DeSanctis, VP of Communication at Mortgage Bankers Association
As a strategic public affairs and communications executive with nearly two decades of experience, Adam has deep expertise in strategy, management, and media relations. He is widely considered to be an expert in a variety of communications, including advocacy, brand, executive, crisis, grassroots, and social media. In his career, he has been the MBA spokesperson on a wide variety of real estate research and advocacy-related issues, promoted MBA research and advocacy efforts to financial, political, and trade industry media and on MBA's social media channels, and secured media opportunities for MBA leadership on key real estate trends and issues, generated media coverage for MBA's research and data on mortgage applications, credit availability, homebuilder applications, mortgage forbearance/delinquencies, commercial real estate originations, and forecasts, and other industry analysis, developed key strategic initiatives for MBA's organizational public affairs plan, media relations and member communications support for mPower, MBA's Opens Doors Foundation and MBA's Diversity, Equity, and Inclusion programs.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ The Mortgage Collaborative, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. We also have commentaries provided by our Consultants, Bill Corbet and Marc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
This segment explores the impact of AI-driven market volatility, the secondary mortgage market's response to unexpected financial events, and the potential economic implications of tariffs, emphasizing the need for disciplined risk management and preparation in uncertain financial
This segment discusses recent legislative updates, including the CFPB's non-bank reporting rule, potential FHA MIP reductions, and the ongoing housing affordability crisis, highlighting modular home manufacturing as a possible solution to supply shortages.
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 and automation are transforming the mortgage industry, with companies like Blend, Gateless, and SimpleNexus introducing advanced solutions to streamline processes, enhance compliance, and improve customer experiences.
Allen Pollack, Tech ConsultantAllen 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.
The bond market remained steady last week amid limited economic data, with upcoming Treasury auctions, the Fed announcement, and key inflation reports expected to drive volatility and influence interest rate trends.
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.
01-26-2025 Gold Tells Davos that "You're the Reason Our Kids Are Ugly"
EU, You're The Reason Our bonds Are Ugly, little Davos. Amazing, but looks ain't ev'rythin' and money ain't ev'rythin' US loves you just the same.
Last week, Gold rejoiced over the Davos World Economic Forum follies. Will the fiscal constraints unfolding from DC demand a reset of WEF’s reset? Will central banks react foolishly? Gold thinks so, with its advance towards its all-time high posted last Halloween at $2826.
The more Bonds spin the more they dig a hole with no easy escape. Do US tariffs on the EU show love?
Gold loves you just the same.
These views are mine. Weigh golden choices at TMSpotlight.com.
Song: You're the Reason Our Kids are Ugly (1978) Conway Twitty and Loretta Lynn
The Mortgage Minute highlights key Senate committee advancements on the nominations of Scott Besant (Treasury), Doug Collins (VA), and Scott Turner (HUD), with MBA urging swift confirmations. MBA President Bob Broeksmit also emphasized FHA’s strong financial position and called on the Trump administration to lower mortgage insurance premiums to improve affordability for low-to-moderate-income buyers.
Adam DeSanctis, VP of Communication at Mortgage Bankers Association
As a strategic public affairs and communications executive with nearly two decades of experience, Adam has deep expertise in strategy, management, and media relations. He is widely considered to be an expert in a variety of communications, including advocacy, brand, executive, crisis, grassroots, and social media. In his career, he has been the MBA spokesperson on a wide variety of real estate research and advocacy-related issues, promoted MBA research and advocacy efforts to financial, political, and trade industry media and on MBA's social media channels, and secured media opportunities for MBA leadership on key real estate trends and issues, generated media coverage for MBA's research and data on mortgage applications, credit availability, homebuilder applications, mortgage forbearance/delinquencies, commercial real estate originations, and forecasts, and other industry analysis, developed key strategic initiatives for MBA's organizational public affairs plan, media relations and member communications support for mPower, MBA's Opens Doors Foundation and MBA's Diversity, Equity, and Inclusion programs.
In this insightful episode of Lykken on Lending, David Lykken sits down with Mark Fleming, Senior Vice President of Decision Scientist and Chief Economist at First American Financial Corporation, to tackle some of the most pressing issues in the housing market. From the persistent housing supply shortage and regulatory burdens to the role of interest rates and the potential economic impacts of the new administration, this conversation dives deep into the challenges and opportunities shaping the future of the mortgage industry. Mark brings his expertise to the table, breaking down complex economic concepts into relatable insights, making this episode a must-listen for industry professionals and anyone curious about the dynamics of housing and finance.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ The Mortgage Collaborative, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. We also have commentaries provided by our Consultants, Bill Corbet and Marc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
In this engaging episode of Lykken on Lending, host David Lykken is joined by the inspiring and dynamic Sue Woodard, a renowned voice in the mortgage and fintech industries. Together with co-host Allen Pollack, they dive into the complexities of lender-vendor relationships, discussing challenges, opportunities, and the critical human element in mortgage technology. Sue, leveraging her unique perspective as both a former lender and a consultant, shares invaluable insights into fostering healthier partnerships between lenders and vendors. From the importance of communication, trust, and empathy to practical strategies like executive business reviews and proactive data intelligence, this episode is a masterclass in relationship building within the industry. They also explore the transformative role of AI and predictive data in reshaping mortgage technology while emphasizing that no amount of innovation can replace the essential human connection. Whether you're a lender, vendor, or simply interested in the future of mortgage tech, this episode offers a wealth of insights to inspire and inform.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ The Mortgage Collaborative, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. We also have commentaries provided by our Consultants, Bill Corbet and Marc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
In this episode of Lykken on Lending, David Lykken sits down with Brian Vieaux, a seasoned mortgage industry leader and the driving force behind FinLocker, to explore the evolving role of the modern loan officer. Brian introduces the concept of the "Hybrid Loan Officer," blending traditional referral-based practices with innovative digital strategies to engage homebuyers earlier in their journey. From leveraging social media and personal branding to utilizing FinLocker’s cutting-edge tools, Brian shares actionable insights for mortgage professionals to thrive in today’s competitive landscape. Tune in to learn how you can rethink your approach and prepare for the next generation of homebuyers.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ The Mortgage Collaborative, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. We also have commentaries provided by our Consultants, Bill Corbet and Marc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
In this episode of Lykken on Lending, David Lykken sits down with Mike England, a seasoned entrepreneur and innovator, to explore My Utilities Platform—a groundbreaking service that simplifies the home buying process for consumers while creating additional revenue opportunities for mortgage lenders. Mike shares insights from his career journey, including his work with industry giants like Kimberly Clark and his innovative approach to managed services in the energy and utility sectors. Tune in to learn how My Utilities Platform eliminates stress for new homeowners by setting up essential services like electricity, internet, and security, all at no cost to the consumer or lender, while enabling mortgage companies to stand out with value-added services.
In this episode of Lykken on Lending, host David Lykken sits down with Garrett Locklear, a top loan originator and founder of Candid, to discuss innovation in mortgage technology. Garrett shares the story behind Candid’s recent acquisition of Unifi CRM, a strategic move that positions the company as a major player in the mortgage tech space. Together, they explore how Candid’s all-in-one operating system streamlines mortgage marketing and sales processes, enhances user experiences, and embraces the future of digital transformation and AI. With insights on building a modern mortgage experience and the importance of strong fundamentals, this episode offers valuable takeaways for mortgage professionals looking to elevate their game.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ The Mortgage Collaborative, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. We also have commentaries provided by our Consultants, Bill Corbet and Marc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ The Mortgage Collaborative, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. We also have commentaries provided by our Consultants, Bill Corbet and Marc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
In this episode of Lykken on Lending, David Lykken interviews Mike O’Krent, founder of Life Stories Alive. Mike shares his inspiring journey from interviewing Holocaust survivors for Steven Spielberg’s USC Shoah Foundation to creating personalized legacy videos for families, businesses, and nonprofits. This heartfelt discussion dives into the transformative power of storytelling, the importance of preserving memories for future generations, and how Mike’s unique services capture the essence of individuals’ lives in powerful, professionally crafted videos. Tune in to explore how these legacy videos offer a meaningful way to honor loved ones and create timeless gifts.
The mortgage industry is no stranger to change, and the challenges it faces today demand bold discussions and innovative solutions. In this special Christmas Day podcast episode, David Lykken brings together two industry thought leaders, Greg Sher and Taylor Stork, to explore the pressing issues shaping the future of housing finance and mortgage lending. From Scott Turner's appointment as HUD Secretary and its implications for the housing supply crisis, to MLO compensation reform, and the transformative impact of AI and streamlined tech stacks, the conversation covers a wide range of critical topics. The episode also tackles contentious issues like trigger leads and credit scoring monopolies, emphasizing the need for fairness and transparency. As the panel looks ahead to 2025, they highlight key initiatives from CHLA and MBA and underscore the importance of advocacy and collaboration in creating a more efficient, consumer-friendly mortgage landscape.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. We also have commentaries provided by our Consultants, Bill Corbet and Marc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
The Lykken on Lending podcast welcomes Mark Fleming, Senior Vice President for Decision Science and Chief Economist at First American Financial Corporation, for a thought-provoking discussion on the current housing market, mortgage rates, and the challenges and opportunities facing the industry. Mark shares his expert analysis of the Federal Reserve’s recent decisions, the evolving economic landscape, and insights on the future of the housing market, including trends in construction, affordability for first-time homebuyers, and the potential impact of regulatory changes. With a mix of data-driven expertise and optimism, this episode sheds light on how the industry can navigate 2025 with stability and innovation.
In this insightful episode of Lykken on Lending, David Lykken sits down with Spencer Dusebout, co-founder of Aidium and an innovator in the mortgage industry. From his early days creating a movement to provide clean water to thousands globally to his current work leveraging AI to transform mortgage lending, Spencer shares his unique perspective on technology and problem-solving. The discussion delves into AI's impact on both operational efficiency and sales strategies, highlighting innovative approaches like propensity modeling, data unification, and customized marketing. This conversation is a must-listen for anyone seeking to understand the evolving role of AI in mortgage lending and how it bridges the gap between loan officers and enterprise needs.
The latest episode of Lykken on Lending dives into the transformative power of Angel AI in the mortgage industry, featuring insights from AI expert Pavan Agarwal of SunWest Mortgage and users Chris Beadles and Collin Stodghill from Country Alliance Mortgage. They share how this cutting-edge tool streamlines loan processing, reduces turnaround times, and improves borrower experiences, enabling them to close loans in as little as seven days. With real-world examples and a discussion on the future of AI in lending, this episode offers a compelling look at how technology is revolutionizing mortgage operations and setting new industry standards.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. We also have commentaries provided by our Consultants, Bill Corbet and Marc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
AI and automation are transforming the mortgage industry, with companies like Blend, Gateless, and SimpleNexus introducing advanced solutions to streamline processes, enhance compliance, and improve customer experiences.
Allen Pollack, Tech ConsultantAllen 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.
The bond market rallied last week on weaker-than-expected economic data and hints of rate cut possibilities from the Fed, with key inflation reports like CPI and PPI poised to shape momentum this week.
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.
12-09-2024 "Around The World" Expect The 6's
Around the 6s, around the 6s.
Around the 6s, around the 6s.
Last week, Dave Lykken replayed our June 24 forecast that you should see the 30-year mortgage rate reach 6% by the end of the year, which was above 7%. It reached 6.11 in September.
The trend to lower mortgage rates should reach 6.375 by New Year’s Eve. Expect US economic optimism and imagined fiscal discipline to sustain the Dollar and low Oil prices through January. So, the 30-year at 6% looks likely. Get used to 6s in 2025 and a wide range from 5.9 to 7.40.
Around the 6s, around the 6s.
Song: Around the World (1997) Daft Punk
"Around the World" is a song by French electronic music duo Daft Punk. The song's lyrics solely consist of the words "around the world", repeated on a loop 144 times in the album version and 80 times in the radio edit.
https://en.wikipedia.org/wiki/Around_the_World_(Daft_Punk_song)
https://www.youtube.com/watch?v=K0HSD_i2DvA
MBA commends FHFA's revised Suspended Counterparty Program regulation proposal, urging further refinement to protect GSE-approved lenders from undue penalties for routine certifications.
Adam DeSanctis, Director of Public Affairs at Mortgage Bankers Association
As a strategic public affairs and communications executive with nearly two decades of experience, Adam has deep expertise in strategy, management, and media relations. He is widely considered to be an expert in a variety of communications, including advocacy, brand, executive, crisis, grassroots, and social media. In his career, he has been the MBA spokesperson on a wide variety of real estate research and advocacy-related issues, promoted MBA research and advocacy efforts to financial, political, and trade industry media and on MBA's social media channels, and secured media opportunities for MBA leadership on key real estate trends and issues, generated media coverage for MBA's research and data on mortgage applications, credit availability, homebuilder applications, mortgage forbearance/delinquencies, commercial real estate originations, and forecasts, and other industry analysis, developed key strategic initiatives for MBA's organizational public affairs plan, media relations and member communications support for mPower, MBA's Opens Doors Foundation and MBA's Diversity, Equity, and Inclusion programs.
In this episode of Lykken on Lending, David Lykken sits down with Joe Wilson, CEO and Founder of Social Coach, to discuss the transformative role of social media in the mortgage and financial industries. Joe shares insights on how his cutting-edge platform empowers professionals to navigate the complexities of compliance, build authentic relationships, and leverage personalized video content to stand out in a competitive market. From addressing compliance risks to offering practical strategies for becoming a trusted advisor through social media, this conversation highlights the tools and techniques mortgage professionals need to thrive in today’s digital landscape.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. We also have commentaries provided by our Consultants, Bill Corbet and Marc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
The segment explores the role of AI in business, career challenges in technology, borrower retention strategies, and the importance of using AI as a tool to enhance critical thinking and problem-solving skills.
Allen Pollack, Tech ConsultantAllen 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.
The segment discusses proposed FHA loss mitigation changes, including increased loan limits and revised policies, urging industry feedback by December 23rd, while highlighting concerns over tight deadlines and the need for experienced leadership in housing policy.
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!
Matt Graham provides an MBS market update, highlighting bond market movements, key economic data, and expectations for the upcoming jobs report and its implications for Fed decisions.
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.
12.2.24 Affordability Remains an Obstacle and Servicing values will Drop, it's a "Ball of Confusion"
People selling out, people buying in because of the color of their screens.
With the Fed listening to Bonds and data, look for 30-year mortgage rates to stay below 7.75 and reach 6% by yearend while the 10-yield falls below 3.50.
Stop break dancing. It will be without significant increases in production because affordability remains a significant obstacle. Additionally, due to delinquency costs and faster prepayment speeds, servicing values will drop significantly.
Oh, Great Jerome Powell
Can't ya hear Bonds talking to ya?
Data of confusion
Segmentation, disinflation, pro-inflation; obligation to the datum
That's what the world is today
Ooh, hey, hey
Song: Ball of Confusion (1970)
Adam DeSanctis highlights the FHA's proposed permanent loss mitigation waterfall, a top MBA priority, outlining updates to repayment policies, home retention options, and disposition strategies, with comments due by December 23, 2024.
Adam DeSanctis, Director of Public Affairs at Mortgage Bankers Association
As a strategic public affairs and communications executive with nearly two decades of experience, Adam has deep expertise in strategy, management, and media relations. He is widely considered to be an expert in a variety of communications, including advocacy, brand, executive, crisis, grassroots, and social media. In his career, he has been the MBA spokesperson on a wide variety of real estate research and advocacy-related issues, promoted MBA research and advocacy efforts to financial, political, and trade industry media and on MBA's social media channels, and secured media opportunities for MBA leadership on key real estate trends and issues, generated media coverage for MBA's research and data on mortgage applications, credit availability, homebuilder applications, mortgage forbearance/delinquencies, commercial real estate originations, and forecasts, and other industry analysis, developed key strategic initiatives for MBA's organizational public affairs plan, media relations and member communications support for mPower, MBA's Opens Doors Foundation and MBA's Diversity, Equity, and Inclusion programs.
In this episode of Lykken on Lending, David Lykken steps beyond finance to tackle a challenge every high performer faces: managing stress and optimizing health. Joined by Dr. Tracy Gapin, a renowned health optimization expert and founder of the Gapin Institute, the discussion dives into how stress hormones like cortisol impact energy, focus, and longevity, and how tools like wearable technology and epigenetics offer personalized paths to better health. Drawing from his own journey with Dr. Gapin, David shares how investing in health can transform not just your body, but your business and personal life. Packed with actionable insights, this conversation is a must-listen for anyone seeking to turn stress into strength and achieve peak performance.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. We also have commentaries provided by our Consultants, Bill Corbet and Marc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
The discussion explored AI's potential in mortgage technology, creative social media branding strategies, and the challenges of integrating rapidly developed tech solutions with misaligned user expectations.
Allen Pollack, Tech ConsultantAllen 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.
The discussion covered FHA's proposed rental income flexibilities, insights on HUD's new leadership under Scott Turner, and the ongoing need for modernized housing policies and technology improvements at HUD and Ginnie Mae.
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!
This week's the bond market shows signs of stabilization with yields leveling off, moderate economic data influencing trends, and upcoming key reports like PCE inflation and jobs data expected to shape market movements after the Thanksgiving holiday.
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.
11.25.24 "Waterloo" The Dollar Rises, Rate Change Coming
Bye, Bye
At Waterloo, Napoleon did surrender
Old Joe’s IRA met its destiny in quite a similar way.
Biden’s Waterloo is trying to spend the excessive IRA. The significant rise in the Dollar confirms international investors approve of the policy direction of the incoming team. Additionally, global economic weakness keeps the lid on inflation expectations.
Despite the concern over Ukraine and tensions in the Middle East, relative stability in Gold and Oil markets suggests risk-on investing. Expect a sizable rate change as the year ends and pockets of illiquidity occur.
Wo, Joe Biden’s Waterloo. Finally, facing his Waterloo.
Song: Waterloo (1974) ABBA
https://www.youtube.com/watch?v=Sj_9CiNkkn4
The FHA's proposed rental income policy revisions aim to expand homeownership opportunities while the MBA gathers feedback and promotes its upcoming IMB Conference in Austin, Texas.
Adam DeSanctis, Director of Public Affairs at Mortgage Bankers Association
As a strategic public affairs and communications executive with nearly two decades of experience, Adam has deep expertise in strategy, management, and media relations. He is widely considered to be an expert in a variety of communications, including advocacy, brand, executive, crisis, grassroots, and social media. In his career, he has been the MBA spokesperson on a wide variety of real estate research and advocacy-related issues, promoted MBA research and advocacy efforts to financial, political, and trade industry media and on MBA's social media channels, and secured media opportunities for MBA leadership on key real estate trends and issues, generated media coverage for MBA's research and data on mortgage applications, credit availability, homebuilder applications, mortgage forbearance/delinquencies, commercial real estate originations, and forecasts, and other industry analysis, developed key strategic initiatives for MBA's organizational public affairs plan, media relations and member communications support for mPower, MBA's Opens Doors Foundation and MBA's Diversity, Equity, and Inclusion programs.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. We also have commentaries provided by our Consultants, Bill Corbet and Marc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
The FHA Mutual Mortgage Insurance Fund's strong financial health, with a capital ratio well above the statutory minimum, prompts calls for premium reductions and policy changes to enhance housing affordability and borrower relief.
Adam DeSanctis, Director of Public Affairs at Mortgage Bankers Association
As a strategic public affairs and communications executive with nearly two decades of experience, Adam has deep expertise in strategy, management, and media relations. He is widely considered to be an expert in a variety of communications, including advocacy, brand, executive, crisis, grassroots, and social media. In his career, he has been the MBA spokesperson on a wide variety of real estate research and advocacy-related issues, promoted MBA research and advocacy efforts to financial, political, and trade industry media and on MBA's social media channels, and secured media opportunities for MBA leadership on key real estate trends and issues, generated media coverage for MBA's research and data on mortgage applications, credit availability, homebuilder applications, mortgage forbearance/delinquencies, commercial real estate originations, and forecasts, and other industry analysis, developed key strategic initiatives for MBA's organizational public affairs plan, media relations and member communications support for mPower, MBA's Opens Doors Foundation and MBA's Diversity, Equity, and Inclusion programs.
11.18.24 The Inflation "Sleigh Ride"
Just hear those sleigh bells jingle-ing, ten years cratering, too, Come on, it's lame-duck weather for a slow ride to low rates with you.
When the final advent candle is lit, will rates rise or slide fifty basis points? The answer should come this week. The bearish trend, uncertainty over the fiscal sanity of the Advanced Economies, and the significant political obstacles for Trump’s administration to deliver lower inflation within a year support 5% when sleigh bells ring.
The bulls need mistletoe to find a prince among the frogs of declining Oil, wakening Europe, and a lame-duck Yellen Biden on defense without a snow machine.
Sleigh Ride with you.
Song: Sleigh Ride (1949) Lyrics paired with it in 1950.
Jack Jones
This week's report analyzes the ongoing rise in treasury yields and mortgage rates, highlights key economic data impacts, and examines the Federal Reserve's cautious approach to potential rate cuts amid evolving economic conditions.
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.
This segment explores the transformative impact of digital-first strategies, AI-driven tools, and customer engagement innovations on the mortgage industry, emphasizing the importance of staying ahead in a rapidly evolving landscape.
Allen Pollack, Tech ConsultantAllen 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.
This segment explores the FHA's actuarial report, its implications for MIP premiums, and how evolving market dynamics are impacting borrowers and lenders in the mortgage industry.
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!
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. We also have commentaries provided by our Consultants, Bill Corbet and Marc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
This segment explores opportunities for veterans in tech, highlights advancements like telehealth and mortgage automation, and discusses industry updates including funding rounds, integrations, and solutions for uncollected appraisal fees.
Allen Pollack, Tech ConsultantAllen 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.
The FHFA has proposed a new rule to enhance governance within Federal Home Loan Banks by modernizing board requirements, clarifying expertise standards, and implementing conflict of interest policies, with a public comment period open until February 3rd.
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!
11-11-2024 For Rates "A Change Would Do You Good"
With the Republican mandate, expect rates to favor their fiscal agenda. Neo-Keynesian analysts modeled higher deficits. So, rates increased as Trump’s election odds increased.
Yet, the models have always been wrong about deficits because they miss growth and are baffled by cutting bureaucracy.
Last week, the 10-year yield tested 4.50. The next test is 4.18. The Bulls can reign again, fueled by lower Oil prices.
Oil thinks a change. (A Change Would Do You Good)
The Dollars rise. (A Change Would Do You Good)
Song: A Change Would Do You Good (1996)
https://www.youtube.com/watch?v=Ikjmz_SlGhg
Following the 2024 election, Donald Trump's return to the presidency, along with anticipated Republican Senate control, signals potential shifts in mortgage policy, GSE reform, and regulatory leadership, with the Mortgage Bankers Association planning further analysis on implications for the industry.
Adam DeSanctis, Director of Public Affairs at Mortgage Bankers Association
As a strategic public affairs and communications executive with nearly two decades of experience, Adam has deep expertise in strategy, management, and media relations. He is widely considered to be an expert in a variety of communications, including advocacy, brand, executive, crisis, grassroots, and social media. In his career, he has been the MBA spokesperson on a wide variety of real estate research and advocacy-related issues, promoted MBA research and advocacy efforts to financial, political, and trade industry media and on MBA's social media channels, and secured media opportunities for MBA leadership on key real estate trends and issues, generated media coverage for MBA's research and data on mortgage applications, credit availability, homebuilder applications, mortgage forbearance/delinquencies, commercial real estate originations, and forecasts, and other industry analysis, developed key strategic initiatives for MBA's organizational public affairs plan, media relations and member communications support for mPower, MBA's Opens Doors Foundation and MBA's Diversity, Equity, and Inclusion programs.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. We also have commentaries provided by our Consultants, Bill Corbet and Marc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
In this episode, we dive into the transformative power of artificial intelligence in the mortgage industry with Pavan, the visionary behind Angel AI and Angel Twin technology. Broadcasting from San Juan, Puerto Rico, Pavan shares the excitement of the upcoming Diwali Avatar Party and unveils groundbreaking advancements that allow mortgage professionals to create personalized AI "twins." These AI-driven avatars, powered by blockchain technology, promise to revolutionize the way realtors, loan officers, and consumers interact by securely storing and leveraging personal data, effectively giving individuals control over their digital identities. Joined by Jennifer, SunWest Mortgage brings over 45 years of lending expertise, the discussion touches on how this technology can address industry challenges, enhance consumer experiences, and empower mortgage professionals with superhuman capabilities. This episode is a glimpse into a future where AI and secure data ownership reshape the mortgage landscape.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. We also have commentaries provided by our Consultants, Bill Corbet and Marc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
This update offers insights on AI's role in marketing, recent tech innovations like LoanLogics’ LoanBeam integration, and practical tips for evaluating vendors and tech solutions at the MBA Annual Conference.
Allen Pollack, Tech ConsultantAllen 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.
This week's highlights three FHA mortgagee letters open for feedback, covering extended cyber incident reporting requirements, guidelines for nonjudicial foreclosures on secretary-held liens, and proposed changes allowing DE underwriters to work part-time while still being employed by a single company.
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!
In this week's report, the bond market faces significant volatility due to election odds, trader positioning, and upcoming key economic data, with the potential for mortgage rates to shift dramatically in the next week.
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.
10-28-2024 The Great "Hello Walls" of China
Hello, Walls. (hello) How'd rates go for Bears today?
The Bond bears continued to ride the speculation that China will meet stimulus expectations. What happens when it misses?
When China's package falls woefully short, expect a significant short cover rally in US Treasuries, with mortgage rates reaching 6% by year's end. The inflation outlook will improve if the US elects pro-growth and supply-side policies. However, the driver to reverse the recent rate rise comes from China's woes.
I gotta feelin' China's gone a long, long time.
Song: Hello Walls (1961)
https://www.youtube.com/watch?v=7Iq0_ub_aHM
The Mortgage Bankers Association (MBA) is advocating for reforms to modernize Section 8 of RESPA, addressing outdated compliance issues in areas like marketing agreements and digital lead generation to improve efficiency and benefit consumers and lenders in today’s mortgage market.
Adam DeSanctis, Director of Public Affairs at Mortgage Bankers Association
As a strategic public affairs and communications executive with nearly two decades of experience, Adam has deep expertise in strategy, management, and media relations. He is widely considered to be an expert in a variety of communications, including advocacy, brand, executive, crisis, grassroots, and social media. In his career, he has been the MBA spokesperson on a wide variety of real estate research and advocacy-related issues, promoted MBA research and advocacy efforts to financial, political, and trade industry media and on MBA's social media channels, and secured media opportunities for MBA leadership on key real estate trends and issues, generated media coverage for MBA's research and data on mortgage applications, credit availability, homebuilder applications, mortgage forbearance/delinquencies, commercial real estate originations, and forecasts, and other industry analysis, developed key strategic initiatives for MBA's organizational public affairs plan, media relations and member communications support for mPower, MBA's Opens Doors Foundation and MBA's Diversity, Equity, and Inclusion programs.
In this episode of Lykken on Lending, David Lykken welcomes Pam Faulkner, Director of Professional Services at nCino, back for a deep dive into the challenges and opportunities of change management in the mortgage industry. With over 40 years of experience, Pam shares her insights from their recent presentation at nCino's Executive Forum, where they discussed the accelerating impact of AI, automation, and how technology can enhance efficiency. They explore how companies can adapt to the evolving market, overcome resistance to change, and use tools like AI and OCR to stay competitive. Pam’s unique perspective offers valuable lessons for mortgage professionals on navigating organizational change and embracing innovation.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. We also have commentaries provided by our Consultants, Bill Corbet and Marc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
In this episode of Lykken on Lending, David Lykken welcomes Shelley Leonard, a prominent thought leader in the mortgage technology space, for a deep dive into her journey and the innovations she's driving at Xactus. Shelley, with an impressive career that includes leading roles at Black Knight, shares her insights on the evolving mortgage industry, the challenges of scaling operations, and the integration of cutting-edge technology, including AI, to streamline workflows. The conversation touches on the future of mortgage lending, focusing on how lenders can prepare for 2025 by embracing innovations like the new FICO 10T and Vantage 4 credit models. Shelley's expertise and forward-thinking approach provide valuable guidance for industry professionals navigating this rapidly changing landscape.
In this podcast episode, David Lykken is joined by Bobby Palmer, Marketing Manager at Byte Software, to discuss the importance of building a strong brand in the mortgage industry. Bobby, with over 20 years of experience, shares insights on how to amplify customer loyalty, maintain brand authenticity, and navigate the challenges unique to mortgage companies, where personal and company branding often overlap. Through engaging stories and practical advice, Bobby highlights the key principles of brand building—authenticity, emotional connection, and memorability—and offers tips on creating a consistent and impactful brand experience that resonates with customers.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. We also have commentaries provided by our Consultants, Bill Corbet and Marc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
In this episode of Lykken on Lending, David Lykken is joined by two industry innovators, Alex Kutsishin, co-founder and CEO of Fuel, and legendary sales coach Todd Duncan. Together, they share their vision for Fuel, a groundbreaking platform that combines the simplicity of Netflix with the performance-driven approach of Peloton, designed to revolutionize personal and professional development. Alex and Todd discuss the importance of investing in people, the need to break away from traditional learning models, and how Fuel is democratizing education and training for a global audience. Tune in for an inspiring conversation on the future of learning and performance!
In this episode of Lykken on Lending, we explore the critical importance of the Bank Secrecy Act (BSA) and Anti-Money Laundering (AML) regulations for mortgage lenders. David Lykken is joined by industry experts Bob Simpson, David Kittle, Alice Alvey, and Bill Corbet to discuss how these regulations affect lenders, the responsibilities around filing Suspicious Activity Reports (SARs), and the role of compliance in preventing fraud. With real-world insights from Bob’s extensive experience in mortgage fraud investigation and contributions from Alice and Bill on best practices for training and risk management, this episode provides essential guidance for navigating the complexities of BSA and AML in the mortgage industry.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. We also have commentaries provided by our Consultants, Bill Corbet and Marc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
In this week's report, the Fed's first non-emergency rate cut since 2019, a 50 bps reduction, sparked modest market reactions with focus on the dot plot projections and labor market data, suggesting potential further rate cuts contingent on economic trends.
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.
In this insightful episode of Lykken on Lending, David Lykken sits down with Troy Garris, managing partner at Garris Horn LLP, to discuss some of the most pressing legal and regulatory challenges in the mortgage industry. With over 25 years of experience, Troy shares his expertise on key issues such as Loan Officer (LO) compensation, federal and state regulatory compliance, and the complexities of running a successful mortgage business in today's ever-evolving legal landscape. Tune in as Troy provides invaluable insights into how businesses can navigate compliance while staying competitive, and learn about recent developments that could impact mortgage lenders and loan officers alike.
This week's reports FHA's draft revisions to cybersecurity incident requirements align with MBA's advocacy, including extending the reporting timeline, as the industry pushes for greater alignment with Ginnie Mae's 48-hour standard.
Adam DeSanctis, Director of Public Affairs at Mortgage Bankers Association
As a strategic public affairs and communications executive with nearly two decades of experience, Adam has deep expertise in strategy, management, and media relations. He is widely considered to be an expert in a variety of communications, including advocacy, brand, executive, crisis, grassroots, and social media. In his career, he has been the MBA spokesperson on a wide variety of real estate research and advocacy-related issues, promoted MBA research and advocacy efforts to financial, political, and trade industry media and on MBA's social media channels, and secured media opportunities for MBA leadership on key real estate trends and issues, generated media coverage for MBA's research and data on mortgage applications, credit availability, homebuilder applications, mortgage forbearance/delinquencies, commercial real estate originations, and forecasts, and other industry analysis, developed key strategic initiatives for MBA's organizational public affairs plan, media relations and member communications support for mPower, MBA's Opens Doors Foundation and MBA's Diversity, Equity, and Inclusion programs.
In this episode of Lykken on Lending, host David Lykken sits down with Eric Hussey, Senior Vice President and Chief Information Security Officer at Finastra, the world’s largest FinTech company, to discuss the evolving landscape of cybersecurity. Eric shares his journey in the industry, highlighting how technological advancements, such as AI and API integration, are transforming both opportunities and threats in FinTech. He also delves into the importance of trust, regulatory compliance, and fostering a culture of cybersecurity within organizations to stay ahead of emerging challenges in the digital age.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. We also have commentaries provided by our Consultants, Bill Corbet and Marc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
In this episode, David Lykken interviews James Hooper from Quontic Bank, a CDFI that has fully embraced Angel AI to streamline its lending operations. James discusses how adopting Angel AI has significantly reduced costs, improved efficiency, and allowed loan officers to focus more on relationship-building while automating routine tasks. Quontic Bank, known for serving underserved communities, leverages innovative products like crypto-backed loans and a unique P&L product to help non-traditional borrowers. The conversation emphasizes the importance of adopting new technologies to stay competitive in the mortgage industry and highlights Quontic’s success in reducing operational costs by over $1.5 million in 18 months.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. We also have commentaries provided by our Consultants, Bill Corbet and Marc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
In this week's report, the Fed's first non-emergency rate cut since 2019, a 50 bps reduction, sparked modest market reactions with focus on the dot plot projections and labor market data, suggesting potential further rate cuts contingent on economic trends.
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.
This week's report The Mortgage Bankers Association (MBA) announced that the Senate's manager's package for the 2025 NDAA includes the Homebuyers Privacy Protection Act, aiming to curb trigger lead abuses, with the final outcome pending negotiations between the House and Senate.
Adam DeSanctis, Director of Public Affairs at Mortgage Bankers Association
As a strategic public affairs and communications executive with nearly two decades of experience, Adam has deep expertise in strategy, management, and media relations. He is widely considered to be an expert in a variety of communications, including advocacy, brand, executive, crisis, grassroots, and social media. In his career, he has been the MBA spokesperson on a wide variety of real estate research and advocacy-related issues, promoted MBA research and advocacy efforts to financial, political, and trade industry media and on MBA's social media channels, and secured media opportunities for MBA leadership on key real estate trends and issues, generated media coverage for MBA's research and data on mortgage applications, credit availability, homebuilder applications, mortgage forbearance/delinquencies, commercial real estate originations, and forecasts, and other industry analysis, developed key strategic initiatives for MBA's organizational public affairs plan, media relations and member communications support for mPower, MBA's Opens Doors Foundation and MBA's Diversity, Equity, and Inclusion programs.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. We also have commentaries provided by our Consultants, Bill Corbet and Marc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
This week's report covers the 2025 increase in conventional loan limits, key insights from HMDA data on market trends, and resources for lenders to analyze mortgage application and loan data.
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!
The week's report discusses the bond market's reaction to recent CPI data, Fed speakers' comments, and speculation about the size of an upcoming rate cut, highlighting the impact of the dot plot on market expectations ahead of the Fed's decision.
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.
This week's report covers Federal Reserve Vice Chair Michael Barr's proposed revisions to the Basel 3 endgame, addressing MBA's concerns about mortgage market impact, including reduced risk weighting for single-family mortgages and relief for regional banks, with potential delays in rule implementation beyond 2025.
Adam DeSanctis, Director of Public Affairs at Mortgage Bankers Association
As a strategic public affairs and communications executive with nearly two decades of experience, Adam has deep expertise in strategy, management, and media relations. He is widely considered to be an expert in a variety of communications, including advocacy, brand, executive, crisis, grassroots, and social media. In his career, he has been the MBA spokesperson on a wide variety of real estate research and advocacy-related issues, promoted MBA research and advocacy efforts to financial, political, and trade industry media and on MBA's social media channels, and secured media opportunities for MBA leadership on key real estate trends and issues, generated media coverage for MBA's research and data on mortgage applications, credit availability, homebuilder applications, mortgage forbearance/delinquencies, commercial real estate originations, and forecasts, and other industry analysis, developed key strategic initiatives for MBA's organizational public affairs plan, media relations and member communications support for mPower, MBA's Opens Doors Foundation and MBA's Diversity, Equity, and Inclusion programs.
This week's segment covers key mortgage tech trends, including ICE's transition to APIs, the growing importance of fraud prevention and compliance, and the evolving landscape of customer security in the mortgage industry.
Allen Pollack, Tech ConsultantAllen 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.
09.16.2024 "Wooden Ships" Calm Seas, Prepare for Unexpected
Wooden Ships above the oil, barely free. Easy, Bonds know the way it’s supposed to be.
Gold rose sharply above 2600, an all-time high, in fear of a broader war. The US and NATO signaled they will arm Ukraine with long-range missiles. Putin said such action means the US and NATO would be directly at war with Russia. The Biden/Harris administration tossed a word salad to walk it back.
Despite wild Gold trading, Oil, US Bucks, and Bonds moved calmly. But heed Gold’s warning, expect the unexpected through the end of the year with frequent daily mortgage rate moves of over 20 bps.
BRICS are leaving. BUCKS don’t meet their needs.
Song: Wooden Ships (1969) Crosby, Stills, Nash, and Young
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. We also have commentaries provided by our Consultants, Bill Corbet and Marc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
09-09-2024 Jobs are the "Rock Brigade"
Jobs are bangin' on their drums, bangin' on Bonds’ door, wavin' their flags, tellin' Bonds to score. Watch out for the Rock Brigade.
On the eve of Fed easing, inversion ended between the 10-year and 2-year Treasury Notes as Job weakness gained momentum. Flash indicators across the globe showed economic sluggishness, with China leading the way.
Since January 2023, mortgage rates have reached their lowest level, but more labor data weakness is needed to drop further. With the 10-year yield revisiting 3.67, look to see 3.48 while lagging the short end. Regardless, look for our target of sub-6% by the end of the year, which is only 28 BPS away.
Song: Rock Brigade (1980) Def Leppard
https://www.youtube.com/watch?v=NRYSlLLU0RE
This week's report highlights an upcoming MBA pre-election webinar on September 17th, offering insights into legislative and political changes that could impact the mortgage industry as Election Day approaches.
Adam DeSanctis, Director of Public Affairs at Mortgage Bankers Association
As a strategic public affairs and communications executive with nearly two decades of experience, Adam has deep expertise in strategy, management, and media relations. He is widely considered to be an expert in a variety of communications, including advocacy, brand, executive, crisis, grassroots, and social media. In his career, he has been the MBA spokesperson on a wide variety of real estate research and advocacy-related issues, promoted MBA research and advocacy efforts to financial, political, and trade industry media and on MBA's social media channels, and secured media opportunities for MBA leadership on key real estate trends and issues, generated media coverage for MBA's research and data on mortgage applications, credit availability, homebuilder applications, mortgage forbearance/delinquencies, commercial real estate originations, and forecasts, and other industry analysis, developed key strategic initiatives for MBA's organizational public affairs plan, media relations and member communications support for mPower, MBA's Opens Doors Foundation and MBA's Diversity, Equity, and Inclusion programs.
The week's report covers a volatile week in the bond market, driven by key economic data and Fed commentary, with market participants weighing the likelihood of a 25 or 50 basis point rate cut in the upcoming Fed announcement.
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.
This week's segment discusses the oversaturation of AI in the mortgage industry, the challenges of vendor overpromises, the risks of tech bias, and the importance of user-centric design and vendor management.
Allen Pollack, Tech ConsultantAllen 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.
Alice Alvey explores the current legislative gridlock in housing policy, challenges with realtor-lender agreements, and the shifting dynamics within the real estate and lending industries.
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!
In this insightful episode, David Lykken welcomes back Pavan Agarwal of SunWest Mortgage for a deep dive into the evolving role of AI in the mortgage industry. As they explore Mustafa Suleyman’s book The Coming Wave, the discussion emphasizes how AI is set to disrupt and transform the sector, bringing unprecedented efficiencies while reducing costs. Pavan shares real-world examples of how Angel AI is revolutionizing mortgage processes, particularly underwriting, by leveraging AI to handle complex decision-making faster and more accurately than ever before. They also touch on AI's broader implications, including its impact on jobs and the future of fair lending. The conversation underscores the potential of AI to enable mortgage professionals to focus on relationship-building, shifting away from repetitive tasks. Tune in to discover how this technology is reshaping the industry and helping businesses thrive in a rapidly changing environment.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. We also have commentaries provided by our Consultants, Bill Corbet and Marc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. We also have commentaries provided by our Consultants, Bill Corbet and Marc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
The report outlines the FHFA's proposed 2025-2027 housing goals for Fannie Mae and Freddie Mac, including new compliance processes and the potential impact on low-income and underserved populations, with an invitation for public comment.
Adam DeSanctis, Director of Public Affairs at Mortgage Bankers Association
As a strategic public affairs and communications executive with nearly two decades of experience, Adam has deep expertise in strategy, management, and media relations. He is widely considered to be an expert in a variety of communications, including advocacy, brand, executive, crisis, grassroots, and social media. In his career, he has been the MBA spokesperson on a wide variety of real estate research and advocacy-related issues, promoted MBA research and advocacy efforts to financial, political, and trade industry media and on MBA's social media channels, and secured media opportunities for MBA leadership on key real estate trends and issues, generated media coverage for MBA's research and data on mortgage applications, credit availability, homebuilder applications, mortgage forbearance/delinquencies, commercial real estate originations, and forecasts, and other industry analysis, developed key strategic initiatives for MBA's organizational public affairs plan, media relations and member communications support for mPower, MBA's Opens Doors Foundation and MBA's Diversity, Equity, and Inclusion programs.
This week's update explores AI's growing role in the mortgage industry, addressing its challenges, potential, and impact on underwriting, while also discussing the importance of user-centric design and the evolving role of consultants.
Allen Pollack, Tech ConsultantAllen 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.
The week's report analyzes recent bond market volatility, driven by economic data, Fed policy signals, and market reactions, with a focus on upcoming economic indicators and their potential impact on yields.
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.
08-26-24 "The Weight" Takes Time
Take a load to Fannie. Take a lock for free. Ship The Weight to Ginnie.
Our target of a sub-6% mortgage is 50 bps away. Softening Jobs and receding inflation expectations give credence to the FOMC minutes and Powell's speech, signaling a September ease. Market exuberance has built 100 bps of easing by New Year's Eve.
Oxford Economics expects the 2-year/10-year yield curve slope to shift entirely into positive territory by the first quarter. The stubborn inversion means lower mortgage rates will take time.
And (close) (close) loans borrowers right with glee.
Song: The Weight (1968)
https://www.youtube.com/watch?v=FFqb1I-hiHE
This report covers legislative updates and strategic considerations for real estate commissions, emphasizing the importance of compliance and market awareness.
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!
In this episode, David Lykken interviews Steve Majerus, CEO of Synergy One Lending, who shares his journey of leading a management buyout during the pandemic and how he has navigated the challenges of the mortgage industry with a focus on strategic vision, innovation, and authentic leadership. Steve discusses the importance of adaptability, building a strong team, and embracing technology to stay competitive in a rapidly changing market. His leadership, characterized by humility and transparency, has not only guided Synergy One through turbulent times but also positioned the company for future growth by fostering a culture of resilience and innovation.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. We also have commentaries provided by our Consultants, Bill Corbet and Marc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
In this episode, David Lykken sits down with Pavan Agarwal, Founder and CEO of SunWest Mortgage. He is also the visionary behind Angel AI. A pioneer in AI-driven mortgage solutions, they discuss the latest developments in artificial intelligence and its impact on the mortgage industry. They delve into a newly published article that highlights the inherent biases found in large language models (LLMs) like ChatGPT, particularly in lending decisions. Pavan provides an in-depth analysis of how Angel AI, built on a different architectural foundation, overcomes these challenges to ensure fair and unbiased mortgage decisions. Tune in as they explore the critical differences between various AI technologies and the future of fair lending in a rapidly evolving landscape.
In this episode, David Lykken interviews Allan Weiss, founder and CEO of Weiss Analytics, about his pioneering work in real estate analytics, including the development of the Case-Shiller Index. Allan discusses his latest innovations, ValShare and ValPro, which allow homeowners to sell portions of their home equity and provide AI-driven property valuations, respectively. These tools offer new ways for homeowners, realtors, and lenders to manage risks, accurately price properties, and enhance real estate transactions. Allan’s insights highlight how these advancements are set to transform the real estate industry.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. We also have commentaries provided by our Consultants, Bill Corbet and Marc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
08-12-2024 "Always Crashing in the Same Car" Into The Bear Wall
The market’s going ’round and ’round the DATA garage
Must have been getting close to 3.44.
The struggling Dollar and Gold’s sustained bullishness point to calamity ahead. Meanwhile, Crude Oil and Bonds do not expect WW3 within the next two weeks.
After the 10-year T-Note yield reached 3.67 and corrected to 4.02, expect the correction to stay under 4.18 and probably 4.08. The bulls should reach 3.44, sending mortgage rates below 6%. But will they crash into the bear wall again?
Ah (singer only), bulls are Always Crashing In The Same Car.
Song: Always Crashing in the Same Car (1977) David Bowie
https://www.youtube.com/watch?v=hv7Y7F-Q2KE
This week's update discusses key trends in the mortgage industry, focusing on the importance of cybersecurity, the effectiveness of digital assistants, and the need for proactive customer service strategies.
Allen Pollack, Tech ConsultantAllen 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.
Alice Alvey provides guidance on meeting the October 31st compliance deadline for the interagency Reconsideration of Value, focusing on developing and implementing necessary policies, procedures, and training.
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!
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. We also have commentaries provided by our Consultants, Bill Corbet and Marc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
David Kittle emphasizes the critical role of leadership and communication in the mortgage industry, noting stable production levels and discussing potential impacts of rate cuts on refinancing and mortgage servicing rights.
David G. Kittle, CMB is a highly respected leader in the mortgage industry, with over 45 years of experience. He is the Co-Founder and Chairman of The Mortgage Collaborative (TMC), a mortgage lending cooperative providing members with access to resources and tools to improve their business operations.
Kittle began his mortgage banking career with American Fletcher Mortgage Company as a top-producing loan officer in 1978 moving to the management side in 1986 with Southmark Mortgage. He opened Associates Mortgage Group, the first of his three lending companies in 1994.
Kittle served as MORPAC Chairman for MBA, from 2004-2006. He is past President of both the Louisville and Kentucky Mortgage Bankers Associations, as well as leading the industry through its most tumultuous period as Chairman of the Mortgage Bankers Association, Washington DC in 2009. Kittle has testified before congress 14 times.
Kittle has been a driving force behind the growth and success of TMC, working to bring together mortgage lenders from across the country to share best practices and collaborate on key industry issues. Kittle has also been a vocal advocate for innovation and technology adoption in the mortgage industry, urging lenders to embrace new tools and strategies to improve their operations and better serve their customers.
Kittle is a frequent speaker at industry events and conferences, sharing his expertise on a variety of topics related to mortgage lending.
He resides in Louisville, Kentucky, he has four children and two grandchildren.
A calm week in the bond market with limited volatility, ongoing speculation about potential Fed rate cuts, and anticipation of key economic data releases, including GDP and PCE.
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.
07-22-2024 Bulls Say "Welcome to Paradise"
Dear Powell, Can you hear Jobs whining? It's been three whole years since inflation felt your hold.
Despite declining volatility, the new bullish trend remains solid. News continues to affirm that two rate cuts make long-term rates happier three.
According to the BofA Global Fund Manager Survey, geopolitical conflict is the biggest tail risk at 26%, replacing inflation that fell to 22% from 36% in May. Additionally, recession risk rose to 18%. So, it is no surprise that the uber-smart Fed wants to take tiny rate drops.
Welcome To Paradise.
Song: Welcome To Paradise (1994) Green Day
https://www.youtube.com/watch?v=P0bHAyGhxE8
The Mortgage Bankers Association is urging its members to contact their Senators to support the addition of the Homebuyers Privacy Protection Act of 2024 to the Fiscal Year 2025 National Defense Authorization Act, a critical step in curbing the abusive use of trigger leads.
Adam DeSanctis, Director of Public Affairs at Mortgage Bankers Association
As a strategic public affairs and communications executive with nearly two decades of experience, Adam has deep expertise in strategy, management, and media relations. He is widely considered to be an expert in a variety of communications, including advocacy, brand, executive, crisis, grassroots, and social media. In his career, he has been the MBA spokesperson on a wide variety of real estate research and advocacy-related issues, promoted MBA research and advocacy efforts to financial, political, and trade industry media and on MBA's social media channels, and secured media opportunities for MBA leadership on key real estate trends and issues, generated media coverage for MBA's research and data on mortgage applications, credit availability, homebuilder applications, mortgage forbearance/delinquencies, commercial real estate originations, and forecasts, and other industry analysis, developed key strategic initiatives for MBA's organizational public affairs plan, media relations and member communications support for mPower, MBA's Opens Doors Foundation and MBA's Diversity, Equity, and Inclusion programs.
In this podcast episode, we discuss significant changes in the real estate industry stemming from a major lawsuit involving accusations of brokerages fixing commissions. Expert Ashley Terrell-Kayiran explains the upcoming implementation of these changes, notably the removal of commission fields from MLSs by August 17th and the new requirement for buyer's agents to negotiate and articulate their fees directly with buyers. These changes aim to increase transparency and prevent steering buyers towards higher commission properties. Ashley emphasizes the importance of technology and education in helping realtors and consumers navigate this shift, highlighting the opportunity for agents to better demonstrate their value and for consumers to make more informed decisions.
he Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. We also have commentaries provided by our Consultants, Bill Corbet and Marc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
We are in a real treat today as we host Robin Clayton of PRMG, a leading figure in marketing technology, known for managing 80 tech platforms and earning accolades such as HousingWire's 2024 Marketing Leader. In this episode, Robin shares her journey from a temp job to mortgage industry leader, emphasizing the importance of raw data integrity, empathy in user experience, and the power of authentic, tailored marketing. Discover practical strategies for leveraging automation, understanding audience personas, and staying ahead in social media trends, all through Robin's expert insights and real-world experiences. Tune in for a concise, impactful discussion on mastering martech.
Angel AI, a groundbreaking innovation from Celligence, is revolutionizing the mortgage and financial services industry with its advanced artificial intelligence capabilities. Founded on visionary thinking by Pavan Agarwal, Angel AI leverages state-of-the-art technology to offer unparalleled solutions in financial planning, credit repair, and even tax preparation. Its intuitive design and rapid learning capabilities enable it to provide personalized, real-time assistance, making financial services more accessible and efficient for users. As the AI continues to evolve, future developments are set to include decentralized finance features, secure digital wallets, and microfinance solutions, bridging the gap between global capital markets and individual consumers. With its commitment to democratizing financial services, Angel AI is poised to transform the way we manage and interact with our finances, driving innovation and inclusivity in the industry.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. We also have commentaries provided by our Consultants, Bill Corbet and Marc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
Today, we dive into the fascinating world of technology, finance, and real estate with a special guest, David Levine of Liquid Hearts Club, affectionately known as Moto. David shares his remarkable journey from pioneering online mortgage trading platforms in the late 90s to his current ventures at the intersection of real estate, finance, and blockchain technology. David and Moto discuss the evolution of the web from Web1 to Web3, the transformative power of decentralized finance (DeFi), and the revolutionary impact of blockchain technology on the real estate and mortgage industries. Learn about the challenges and opportunities of decentralized systems, the importance of maintaining core values in the face of innovation, and how technology can enhance our lives in profound ways.
Lenders One, under the leadership of Justin Demola, is a national cooperative dedicated to empowering its members—comprising independent mortgage bankers, banks, and credit unions—through innovative solutions that reduce costs and improve efficiencies. Building on the success of its credit reporting service, Lenders One has also launched L1Insurance. This initiative is designed to streamline the insurance process for members' borrowers, offering competitive quotes from a pool of 30 to 40 underwriters. By partnering with Policy Genius, Lenders One ensures that borrowers receive multiple quotes, helping to lower their mortgage payments through reduced insurance costs. This not only benefits the borrowers but also enhances the member’s value proposition, creating a more efficient and seamless experience. As it celebrates its 25th anniversary, the cooperative remains at the forefront of the industry, providing essential tools and resources for competitive success.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. We also have commentaries provided by our Consultants, Bill Corbet and Marc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
Allen Pollack discusses the impact of new technology updates from Apple, challenges of app development in the mortgage industry, and the potential of AI chatbots like Claire in real estate.
Allen Pollack, Tech ConsultantAllen 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.
FHA's recent updates to the 203K Rehabilitation Program, detailed in Mortgagee Letter 24-13, include increased caps, extended rehab periods, and enhanced options for financing consultant fees, aiming to broaden homeownership opportunities and streamline project management.
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!
Last week's bond market saw favorable movements driven by lower-than-expected CPI data, leading to increased speculations about potential Fed rate cuts, while political events had minimal impact on market reactions.
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.
Check out more details about MBS Live here
07-15-2024 "Espresso" Brewing Liquidity Issues
The markets movin’ in a tight range. Isn’t that sweet? Try not to sleep. Don’t you need Espresso?
Some news gives you a jolt. Then you see the screen blink red and green because it's speculating about nothing. No easing, high inflation. High easing, no growth. No liquidity. High drama.
Since the Bond Bulls reached 4.18 Friday, the market sees a Fed rate cut in September and December. The high octane remains brewing liquidity issues. Expect disruption in the market’s tranquility, causing the Fed to taper QT soon.
Try not to sleep. No, Joe, get espresso.
Song: Espresso (2024) Sabrina Carpenter
https://www.youtube.com/watch?v=eleP7yc9dSY
HUD has announced significant updates to FHA's 203k Rehabilitation Mortgage Insurance Program, increasing allowable rehab costs, extending rehab periods, and adjusting consultant fees, all of which were advocated by the MBA to address housing supply shortages.
Adam DeSanctis, Director of Public Affairs at Mortgage Bankers Association
As a strategic public affairs and communications executive with nearly two decades of experience, Adam has deep expertise in strategy, management, and media relations. He is widely considered to be an expert in a variety of communications, including advocacy, brand, executive, crisis, grassroots, and social media. In his career, he has been the MBA spokesperson on a wide variety of real estate research and advocacy-related issues, promoted MBA research and advocacy efforts to financial, political, and trade industry media and on MBA's social media channels, and secured media opportunities for MBA leadership on key real estate trends and issues, generated media coverage for MBA's research and data on mortgage applications, credit availability, homebuilder applications, mortgage forbearance/delinquencies, commercial real estate originations, and forecasts, and other industry analysis, developed key strategic initiatives for MBA's organizational public affairs plan, media relations and member communications support for mPower, MBA's Opens Doors Foundation and MBA's Diversity, Equity, and Inclusion programs.
In our latest podcast episode, Spencer Dusebout, co-founder and CEO of Aidium, shared how technology is revolutionizing the mortgage industry. Aidium's innovative business intelligence and CRM platform integrates data warehousing to consolidate information from various sources, enabling comprehensive insights and optimized decision-making. Automation enhances efficiency by handling repetitive tasks, allowing professionals to focus on client relationships. The platform's customizable content balances personalization with compliance, catering to top producers while maintaining regulatory standards. Looking ahead, AI's potential to boost productivity through advanced content creation and predictive analytics is set to further transform the industry. Spencer's insights highlight technology's pivotal role in shaping the future of mortgage processes. For more information, visit thinkaidium.com and follow Spencer on LinkedIn.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. We also have commentaries provided by our Consultants, Bill Corbet and Marc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
Alice Alvey discusses the VA's proposed rulemaking on ARMs and temporary buy downs, the implications of the Chevron deference ruling, and the bond market's reaction to recent economic data, emphasizing the importance of regulatory clarity and market dynamics.
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!
MBA urges the FHA to align its cybersecurity incident reporting timeline with Ginnie Mae's 48-hour requirement, advocating for clear and consistent policies across federal agencies.
Adam DeSanctis, Director of Public Affairs at Mortgage Bankers Association
As a strategic public affairs and communications executive with nearly two decades of experience, Adam has deep expertise in strategy, management, and media relations. He is widely considered to be an expert in a variety of communications, including advocacy, brand, executive, crisis, grassroots, and social media. In his career, he has been the MBA spokesperson on a wide variety of real estate research and advocacy-related issues, promoted MBA research and advocacy efforts to financial, political, and trade industry media and on MBA's social media channels, and secured media opportunities for MBA leadership on key real estate trends and issues, generated media coverage for MBA's research and data on mortgage applications, credit availability, homebuilder applications, mortgage forbearance/delinquencies, commercial real estate originations, and forecasts, and other industry analysis, developed key strategic initiatives for MBA's organizational public affairs plan, media relations and member communications support for mPower, MBA's Opens Doors Foundation and MBA's Diversity, Equity, and Inclusion programs.
In the latest episode of "Lykken on Lending," host David Lykken welcomes industry icon Bill Erbey, renowned for his pioneering work with Ocwen Financial and Altisource Portfolio Solutions. With a career spanning several decades, Erbey has been at the forefront of innovation in the mortgage industry, and now he's venturing into the world of cryptocurrency with his new project, ForumPay. This episode promises a deep dive into Erbey's remarkable journey, his cutting-edge solutions for non-performing loans, and how ForumPay is poised to make cryptocurrency transactions more accessible and practical for everyday use. Whether you're a seasoned industry veteran or new to the field, Erbey's insights and forward-thinking perspectives are sure to inspire and inform.
In today's ever-evolving real estate market, savvy investors and mortgage professionals are turning their attention to a lesser-known yet highly lucrative opportunity: seller financing and private mortgage notes. As traditional lending options become more stringent and inaccessible for some buyers, seller financing offers a flexible and attractive alternative. This innovative approach allows sellers to carry the loan for buyers, often resulting in a steady income stream and significant returns for investors. To shed light on this fascinating topic, we introduce Eddie Speed from NoteSchool, a seasoned expert with over 50,000 seller finance notes to his credit, and Russ Anderson, a respected consultant with extensive experience in mortgage warehousing. Together, they will uncover the benefits for both sellers and buyers and explore how private mortgage notes are creating new avenues for financial growth and stability in the real estate sector.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. We also have commentaries provided by our Consultants, Bill Corbet and Marc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
The FHFA has conditionally approved a pilot program allowing Freddie Mac to purchase certain closed-end second mortgages, with measures to ensure it benefits smaller lenders and does not disrupt the private label securitization market.
Adam DeSanctis, Director of Public Affairs at Mortgage Bankers Association
As a strategic public affairs and communications executive with nearly two decades of experience, Adam has deep expertise in strategy, management, and media relations. He is widely considered to be an expert in a variety of communications, including advocacy, brand, executive, crisis, grassroots, and social media. In his career, he has been the MBA spokesperson on a wide variety of real estate research and advocacy-related issues, promoted MBA research and advocacy efforts to financial, political, and trade industry media and on MBA's social media channels, and secured media opportunities for MBA leadership on key real estate trends and issues, generated media coverage for MBA's research and data on mortgage applications, credit availability, homebuilder applications, mortgage forbearance/delinquencies, commercial real estate originations, and forecasts, and other industry analysis, developed key strategic initiatives for MBA's organizational public affairs plan, media relations and member communications support for mPower, MBA's Opens Doors Foundation and MBA's Diversity, Equity, and Inclusion programs.
Jaro, the flagship product of Ascent Software Group, represents a significant leap forward in the appraisal space. It is an end-to-end ecosystem that integrates all parties involved in the appraisal process, from loan officers to appraisers to underwriting teams. This holistic approach ensures a seamless flow of information and tasks, eliminating the fragmentation that has long plagued the industry. this episode offers a fascinating look at how Jaro is setting new standards in the appraisal industry. By leveraging cutting-edge technology and fostering an integrated ecosystem, Jaro is poised to make a lasting impact on how appraisals are conducted. Listen to Gareth Borcherds and discover how Jaro is paving the way for a more efficient and innovative future in appraisals.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program with Marc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
In this episode, we delve into Pavan's inspiring story, starting from his roots and the vision instilled in him by his father, the legendary mortgage lender Hari Agarwal. We'll explore the genesis of Angel AI, a revolutionary tool that's automating and streamlining the mortgage process like never before. As we discuss Pavan's relentless pursuit of innovation, the challenges and triumphs along the way, and his unwavering commitment to making a positive impact on the industry and beyond. We'll also touch on his latest groundbreaking initiative—free credit repair for all—and the incredible growth and adoption of Angel AI. This episode is packed with insights, anecdotes, and forward-thinking ideas that will surely leave you inspired and excited about the future of mortgage lending.
Marc emphasizes the critical importance of aligning operations and quality control in mortgage lending, detailing a strategic meeting that addressed discrepancies and set new guidelines to prevent future conflicts and ensure regulatory compliance.------------------------------------------------------------------
Marc Helm, CEO, and AuthorMarc Helm serves as a Principal Partner at Transformational Mortgage Solutions, bringing over 46 years of extensive experience in the financial services and mortgage banking industry. Currently serving as the President and CEO of both ReverseAmerica Advisors, Inc. and Mortgage Consultants of America (MCA), Marc has established a proven track record of leadership and accomplishments, both within and beyond the mortgage banking sector.
In his notable role as the former President and Chief Executive Officer of Reverse Mortgage Solutions, Inc. (RMS), Marc played a pivotal role in steering RMS to become one of the largest Ginnie Mae Securitizers, originators, and servicers/sub servicers in the reverse mortgage industry. His influence has reached various key positions in the industry, including serving as Chairman of the Mortgage Bankers Association (MBA) Loan Administration Committee and Chairman of the MBA Technology Committee. Recognizing his expertise, he has been honored with memberships in prestigious advisory boards such as the Fidelity (LPS) Information Systems Mortgage Servicing Advisory Board and the National Reverse Mortgage Lender Association’s (NRMLA) Board of Directors.
Marc's commitment to community involvement and philanthropy is evident in his roles as a Board Member of the American Heart Association (AHA), his past chairmanship of the AHA's "Open Your Heart Campaign" for the Paul "Bear" Bryant National Coach of The Year Award, and his service on the boards of additional organizations such as The Helm Foundation. His dedicated support extends to various causes, including initiatives for children, veterans, military service organizations, and the welfare of homeless mothers and children.
Marc's dedication to philanthropy is complemented by his prior involvement in various committees and campaigns, such as his role as the Former Chairman for the Houston Area Special Olympics Campaign and Former Chairman of the Houston Area United Way Campaign.
Beyond his professional achievements and community engagement, Marc Helm is a family man, celebrating 49 years of marriage to Sallie Fortner Helm. Together, they have two children, Thomas Charles Helm and Dr. Jean Ann Helm Allen, and five grandchildren. Holding a BS Degree (Summa Cum Laude) and an MS Degree from Troy University, Marc showcases his commitment to education and continuous learning. Currently pursuing a PHD in Organizational Psychology, Marc Helm's multifaceted expertise, leadership roles, and philanthropic contributions make him an invaluable Principal Partner at Transformational Mortgage Solutions and reinforces his active role as a Co-Host of the “Lykken on Lending” Podcast.
David and Marc, industry veterans, discuss the rapid changes in the real estate industry, emphasizing the need for cost efficiency and praising innovative practices that support homeownership in challenging economic times.------------------------------------------------------------------
Marc Helm, CEO, and AuthorMarc Helm serves as a Principal Partner at Transformational Mortgage Solutions, bringing over 46 years of extensive experience in the financial services and mortgage banking industry. Currently serving as the President and CEO of both ReverseAmerica Advisors, Inc. and Mortgage Consultants of America (MCA), Marc has established a proven track record of leadership and accomplishments, both within and beyond the mortgage banking sector.
In his notable role as the former President and Chief Executive Officer of Reverse Mortgage Solutions, Inc. (RMS), Marc played a pivotal role in steering RMS to become one of the largest Ginnie Mae Securitizers, originators, and servicers/sub servicers in the reverse mortgage industry. His influence has reached various key positions in the industry, including serving as Chairman of the Mortgage Bankers Association (MBA) Loan Administration Committee and Chairman of the MBA Technology Committee. Recognizing his expertise, he has been honored with memberships in prestigious advisory boards such as the Fidelity (LPS) Information Systems Mortgage Servicing Advisory Board and the National Reverse Mortgage Lender Association’s (NRMLA) Board of Directors.
Marc's commitment to community involvement and philanthropy is evident in his roles as a Board Member of the American Heart Association (AHA), his past chairmanship of the AHA's "Open Your Heart Campaign" for the Paul "Bear" Bryant National Coach of The Year Award, and his service on the boards of additional organizations such as The Helm Foundation. His dedicated support extends to various causes, including initiatives for children, veterans, military service organizations, and the welfare of homeless mothers and children.
Marc's dedication to philanthropy is complemented by his prior involvement in various committees and campaigns, such as his role as the Former Chairman for the Houston Area Special Olympics Campaign and Former Chairman of the Houston Area United Way Campaign.
Beyond his professional achievements and community engagement, Marc Helm is a family man, celebrating 49 years of marriage to Sallie Fortner Helm. Together, they have two children, Thomas Charles Helm and Dr. Jean Ann Helm Allen, and five grandchildren. Holding a BS Degree (Summa Cum Laude) and an MS Degree from Troy University, Marc showcases his commitment to education and continuous learning. Currently pursuing a PHD in Organizational Psychology, Marc Helm's multifaceted expertise, leadership roles, and philanthropic contributions make him an invaluable Principal Partner at Transformational Mortgage Solutions and reinforces his active role as a Co-Host of the “Lykken on Lending” Podcast.
In this insightful episode, David Lykken converses with Dan Smith from LendingPad about the shifting technological dynamics in the mortgage industry. As the Vice President of Sales and Strategy at LendingPad, Dan brings his extensive experience from ComplianceEase and discusses the evolution and challenges in mortgage tech. The episode explores how LendingPad is carving a niche in the market with innovative, customer-focused solutions and a robust tech stack that includes an automated compliance engine. Dan emphasizes the importance of adaptability in technology and customer service, reflecting on the industry's past trends and his anticipation for future innovations, such as AI integration. His personal anecdotes about family life and industry experiences enrich the conversation, adding a personal touch to the professional insights shared, making this a compelling listen for those involved or interested in the mortgage sector.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program with Marc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
Alice Alvey provides a legislative update on the importance of Juneteenth, VA loan compliance changes, and the CFPB's proposed rulemaking on medical collections in credit reporting.
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!
David Kittle discusses the mortgage industry's advocacy efforts in Washington, DC, highlighting the political nature of agencies like Fannie and Freddie, the disconnect between regulatory conversations and outcomes, and the importance of direct engagement with regulators.
David G. Kittle, CMB is a highly respected leader in the mortgage industry, with over 45 years of experience. He is the Co-Founder and Chairman of The Mortgage Collaborative (TMC), a mortgage lending cooperative providing members with access to resources and tools to improve their business operations.
Kittle began his mortgage banking career with American Fletcher Mortgage Company as a top-producing loan officer in 1978 moving to the management side in 1986 with Southmark Mortgage. He opened Associates Mortgage Group, the first of his three lending companies in 1994.
Kittle served as MORPAC Chairman for MBA, from 2004-2006. He is past President of both the Louisville and Kentucky Mortgage Bankers Associations, as well as leading the industry through its most tumultuous period as Chairman of the Mortgage Bankers Association, Washington DC in 2009. Kittle has testified before congress 14 times.
Kittle has been a driving force behind the growth and success of TMC, working to bring together mortgage lenders from across the country to share best practices and collaborate on key industry issues. Kittle has also been a vocal advocate for innovation and technology adoption in the mortgage industry, urging lenders to embrace new tools and strategies to improve their operations and better serve their customers.
Kittle is a frequent speaker at industry events and conferences, sharing his expertise on a variety of topics related to mortgage lending.
He resides in Louisville, Kentucky, he has four children and two grandchildren.
The latest MBS market update highlights the Fed's decision to hold rates steady with a potential for lower rates, influenced by positive CPI data, lower-than-expected PPI figures, and rising jobless claims, while upcoming economic indicators may further impact future rate movements.
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.
Check out more details about MBS Live here
06-17-2024 Bond "Barracuda"
Bears, this is the end; Bulls rise up again - to reign
They had to take the trend away.
Bond barracuda kept the Fed in line, resulting in a new bull market.
Long-term, look for the 10-year yield to stay below 5% and mortgage rates below 7.75. Imagine a sub-6% 30-year mortgage rate by yearend and the 10-yield falling below 3.50. Global political and financial uncertainty continues to pressure the Fed to keep the system liquid. This outlook is:
Inflation’s gonna burn, burn, burn to the wick. Bond Barracuda
Song: Barracuda (1977) Heart
https://www.youtube.com/watch?v=PeMvMNpvB5M
The Department of Veterans Affairs has issued a temporary policy, effective August 10, allowing veteran buyers to pay reasonable broker compensation fees in certain circumstances to stay competitive, following coordinated advocacy by the MBA and other industry groups.
Adam DeSanctis, Director of Public Affairs at Mortgage Bankers Association
As a strategic public affairs and communications executive with nearly two decades of experience, Adam has deep expertise in strategy, management, and media relations. He is widely considered to be an expert in a variety of communications, including advocacy, brand, executive, crisis, grassroots, and social media. In his career, he has been the MBA spokesperson on a wide variety of real estate research and advocacy-related issues, promoted MBA research and advocacy efforts to financial, political, and trade industry media and on MBA's social media channels, and secured media opportunities for MBA leadership on key real estate trends and issues, generated media coverage for MBA's research and data on mortgage applications, credit availability, homebuilder applications, mortgage forbearance/delinquencies, commercial real estate originations, and forecasts, and other industry analysis, developed key strategic initiatives for MBA's organizational public affairs plan, media relations and member communications support for mPower, MBA's Opens Doors Foundation and MBA's Diversity, Equity, and Inclusion programs.
Allen Pollack's report covers tech trends in the mortgage industry, including video call behaviors, AI training for new hires, drone usage by insurance companies, effective advertising strategies, and the rising importance of blockchain and digital currencies.
Allen Pollack, Tech ConsultantAllen 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.
The CFPB has issued a final rule for a new non-bank registration system, requiring lenders to self-report public orders and court actions, with compliance starting in January 2025 and public access to the registry.
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!
In this podcast episode, David Lykken, Richard Grieser, and Jodi Hall discuss the factors that distinguish successful from unsuccessful technology rollouts in the mortgage industry. They emphasize that successful rollouts are driven by strong leadership focused on solving specific problems, effective and accountable vendor partnerships, and continuous evaluation of technology to ensure it meets business needs. Jodi highlights the importance of understanding unique lender requirements and selecting reliable vendors, while Richard underscores the need for comprehensive training plans and best practices. Both stress the importance of maintaining a culture of innovation and regularly challenging existing technology to ensure it delivers expected results and remains aligned with industry standards.
David Kittle discusses recent advocacy efforts in Washington D.C., regulatory challenges, and the impact of new regulations on the mortgage industry.
David G. Kittle, CMB is a highly respected leader in the mortgage industry, with over 45 years of experience. He is the Co-Founder and Chairman of The Mortgage Collaborative (TMC), a mortgage lending cooperative providing members with access to resources and tools to improve their business operations.
Kittle began his mortgage banking career with American Fletcher Mortgage Company as a top-producing loan officer in 1978 moving to the management side in 1986 with Southmark Mortgage. He opened Associates Mortgage Group, the first of his three lending companies in 1994.
Kittle served as MORPAC Chairman for MBA, from 2004-2006. He is past President of both the Louisville and Kentucky Mortgage Bankers Associations, as well as leading the industry through its most tumultuous period as Chairman of the Mortgage Bankers Association, Washington DC in 2009. Kittle has testified before congress 14 times.
Kittle has been a driving force behind the growth and success of TMC, working to bring together mortgage lenders from across the country to share best practices and collaborate on key industry issues. Kittle has also been a vocal advocate for innovation and technology adoption in the mortgage industry, urging lenders to embrace new tools and strategies to improve their operations and better serve their customers.
Kittle is a frequent speaker at industry events and conferences, sharing his expertise on a variety of topics related to mortgage lending.
He resides in Louisville, Kentucky, he has four children and two grandchildren.
Adam DeSantis reports on the VA's upcoming circular addressing the buyer commission prohibition and ongoing efforts to clarify guidelines amid evolving real estate agent compensation arrangements.
Adam DeSanctis, Director of Public Affairs at Mortgage Bankers Association
As a strategic public affairs and communications executive with nearly two decades of experience, Adam has deep expertise in strategy, management, and media relations. He is widely considered to be an expert in a variety of communications, including advocacy, brand, executive, crisis, grassroots, and social media. In his career, he has been the MBA spokesperson on a wide variety of real estate research and advocacy-related issues, promoted MBA research and advocacy efforts to financial, political, and trade industry media and on MBA's social media channels, and secured media opportunities for MBA leadership on key real estate trends and issues, generated media coverage for MBA's research and data on mortgage applications, credit availability, homebuilder applications, mortgage forbearance/delinquencies, commercial real estate originations, and forecasts, and other industry analysis, developed key strategic initiatives for MBA's organizational public affairs plan, media relations and member communications support for mPower, MBA's Opens Doors Foundation and MBA's Diversity, Equity, and Inclusion programs.
In the ever-evolving landscape of the mortgage industry, understanding employment trends and leveraging data for strategic decision-making has never been more critical. In this episode, David delved into this subject with Dale Larson III, co-founder of Modex. Their discussion offered valuable insights into the current state of mortgage employment, highlighting the significance of data-driven recruitment and retention strategies. Companies that harness the power of data will be better equipped to navigate the complexities of recruitment and retention in an ever-changing market. Modex stands at the forefront of this transformation, offering tools and insights that enable mortgage companies to make informed, strategic decisions. Staying ahead of employment trends and leveraging data will be key to sustained success.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program with Marc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
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!
The financial industry is rapidly evolving with the increasing adoption of cloud computing and artificial intelligence (AI), fundamentally transforming operations and customer interactions. Cloud computing offers flexibility, efficiency, and cost savings, while AI democratizes data access, making technology more intuitive and improving decision-making. Smaller banks, with their agility, can swiftly implement these innovations, gaining a competitive edge over larger institutions. Mike Stawchansky of Finastra discussed how they exemplify a balanced approach to regulatory compliance and technological agility, leveraging open finance and cloud-first strategies. Embracing these advancements is crucial for financial institutions to enhance operations, improve customer experiences, and stay competitive in the evolving landscape.
Show notes:TMSpotlight:06-03-2024 "Suite: Judy Blue Eyes" Hesitation, Higher Yields, or More Interest. Hard Choices.
It's getting to the point, Jay is no fun anymore. He is sorry.
Recent Treasury auctions show investor hesitation to buy. Do they expect higher yields? The low appetite, coupled with the higher-for-longer
Fed policy, will cost the high-debt US federal government more interest.
According to projections by the OECD, an intergovernmental organization with 38 member countries, US gross debt will exceed 200% by 2040 if policies remain unchanged, and Italy will barely be worse.
Bears are yours, Bulls are mine, Fed is what it is. Jay makes it hard.
Song: Suite: Judy Blue Eyes (1969) Crosby, Stills, and Nash
National Mortgage News article - Will other mortgage warehouse lenders follow NYCB in pullback?Expert urges industry to respond to CFPB RFI on mortgage costsDavid Kittle's email: dkittle@tms-advisors.com
In the latest episode of "Lykken on Lending," host David Lykken sits down with Adi Pavlovich, Co-Founder and CEO of Newzip, to discuss his groundbreaking "Broker as a Service" platform. Adi, with his rich background in tech and real estate innovation from his tenure at Keller Williams, shares how Newzip empowers mortgage lenders to offer integrated real estate agent services. This episode delves into how Newzip enhances lenders' value propositions, increases lead pull-through, and offers significant cost savings to borrowers, all while navigating the complexities of the modern real estate market. Tune in to learn how Newzip is poised to revolutionize the industry and provide a seamless home buying experience.
Hi, I'm Adam DeSanctis, this is the Mortgage Minute, the latest news from the Mortgage Bankers Association. Last week, Freddie Mac announced that it updated requirements for using attorney opinion, title letters or AOL is expanding the types of mortgages that are eligible for delivery with an attorney opinion of title letter. expansion includes most mortgages secured by our property located in all US jurisdictions, which removes one of the largest impediments to the broader adoption of AOLs on the Freddie Mac side. Other mortgages and expansion include those secured by a unit in a pre-condo project and those in areas with deed restrictions. These changes are a necessary precondition for the possible broader adoption of AOLs on Freddie Mac loans, but it does remain to be seen whether lenders will choose to use them or if consumers will be aware of the option and MBA continues to monitor developments in the title insurance space. That's it for this week. Thank you for listening!
Chris Bixby and Jodi Hall of Rice Park Capital talks about their strategic investing in technology within the mortgage and real estate ecosystem. They discuss the concept of investing in gaps, which refers to identifying areas of inefficiency and applying technology to improve operational efficiency, compliance, and revenue generation. They also explore the broad term of PropTech, which encompasses technology that provides services to the property ownership ecosystem. Chris and Jodi Hall emphasize the importance of collaboration among vendors to create solutions and address the hesitance of IMBs to adopt new technologies. They also discuss the potential impact of AI and large language models, such as ChatGPT in the mortgage industry. Rice Park Capital focuses on investing in companies that address gaps and challenges in the mortgage and real estate industries. They look for companies with innovative technology, a strong team, and traction in terms of revenue and customer base. Two companies they have invested in are Candor and Purlin. Candor aims to streamline the underwriting process and reduce costs by carrying underwriting throughout the entire loan lifecycle. Purlin provides AI tools to the residential real estate ecosystem, helping with lead generation, collaboration, and automating the closing process. Rice Park Capital is optimistic about the long-term potential of the mortgage and real estate markets, but they anticipate ongoing challenges such as sticky inflation and affordability issues. They believe there will be market share opportunities and consolidation in the industry.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. We included Bill Corbet for additional commentary. Finally, we wrap up the program with Marc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
Today we dive deep into the world of top producers in the mortgage industry. It’s always amazing to connect with individuals who not only excel regardless of market conditions but also redefine success in their field. Today, we are thrilled to host Nancy Bayat, she is the Co-Founder of Amerify and has led her team to become the number one team at Emortgage Capital for three consecutive years. What sets Nancy apart isn’t just the impressive $4 billion she has funded but also her innovative approach that has significantly impacted how top producers operate and thrive in the industry. We will uncover the keys to her sustained success and discuss how embracing technology, particularly AI tools like Angel AI, has transformed her business operations, allowing for scalability and precision that was previously unattainable.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program with Marc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
Allen Pollack, Chief Operating Officer, Tech ConsultantAllen 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.
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.
Check out more details about MBS Live here
In this week’s episode, we had the pleasure of hosting Mike Fratantoni, the Chief Economist and Senior Vice President of Research and Industry Technology at the Mortgage Bankers Association. Mike’s insights provided a comprehensive look at the Mortgage forecast on the origination dollar volume, unit increase, headcounts, and the effect of AI technology.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program with Marc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
Hi, I'm Adam DeSanctis. This is the Mortgage Minute, the latest news from the Mortgage Bankers Association. Last week, the CFPB published a spring edition of its supervisory highlights focused solely on mortgage servicing. The Bureau's report generally highlights improper assessments of fees and violations of the loss mitigation process and covers examinations that were completed by the Bureau from April 1st of last year through December 31st. Most of the findings appear to involve minor infractions that have been remediated by the servicer. However, MBA in a LinkedIn post by SVP of Residential Policy, Pete Mills, called out the Bureau's press release for its misleading and harmful rhetoric against mortgage servicers by inappropriately ascribing isolated incidents of noncompliance as a general state of the industry. The LinkedIn post, which can be read in full on Pete Mills page or as a repost on MBA's main LinkedIn page, Call the bureau's press release a “disservice to consumers by further sowing fear and distrust of their mortgage servicer”. Looking ahead, the bureau's expected to conduct potential rulemaking to amend the servicing rules of Regulation and be able to keep you updated on this in all issues pertaining to the bureau. That's it for this week. Thank you for listening.
We are diving into the dynamic world of lending and financial institutions. From traditional banks to innovative fintech companies, the lending landscape is constantly evolving, shaped by changing market trends and technological advancements. In today's episode, we'll explore the latest trends among lenders in today's current market. From the rise of digital lending platforms to the increasing demand for personalized financial solutions, lenders are navigating a landscape that's both challenging and full of opportunities. But amidst these changes, one key player stands out in assisting financial institutions to adapt and thrive: Finastra. As a leading fintech company in the world, Finastra provides cutting-edge technology solutions tailored to meet the evolving needs of lenders. Joining us today is Colin Gazinski, a Senior Solutions Consultant at Finastra. We'll delve into how Finastra is empowering financial institutions with innovative tools and solutions, enabling them to streamline operations, enhance customer experiences, and stay ahead in today's competitive market.
The Bears Ask, "Have You Ever Seen The Rain?"
Parker told us long ago
There's a calm before the storm
He knows
Last week, stagflation appeared in the GDP data, with slowing growth and rising inflation. As a result, the 10-year yield hit our bear target of 4.71.
Jimmy Carter sacrificially appointed Paul Volcker to slay inflation. Despite talking heads, it’s not the 1970s. Jay Powell's credibility projects confidence that the Fed will lower rates prudently.
However, Gold's rapid rise signals that the markets want the Fed to disclose the plan to reduce Treasury sales on May 1. Without it, the Bears reign.
Have You Ever Seen The Rain? Comin' down in a Bearish way.
Have You Ever Seen The Rain (1970) Creedence Clearwater Revival (CCR)
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program with Marc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
Today we're diving into a critical topic that affects countless homeowners and lenders alike: Mortgage Lending Fraud and Money Laundering. This is apparently on the rise when volume is down. In this episode, we'll explore the various forms of mortgage fraud, how these schemes work, the red flags to watch out for, and most importantly, how you can protect yourself from falling victim to such deceptive practices and learn how your mortgage company can do this even on a budget. Joining us today is Bob Simpson of Daylighy AML. Together, we'll shine a light on this often-overlooked aspect of the housing market and empower you with the knowledge to safeguard your financial future.
Allen Pollack, Chief Operating Officer, Tech ConsultantAllen 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.
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!
David G. Kittle, CMB is a highly respected leader in the mortgage industry, with over 45 years of experience. He is the Co-Founder and Chairman of The Mortgage Collaborative (TMC), a mortgage lending cooperative providing members with access to resources and tools to improve their business operations.
Kittle began his mortgage banking career with American Fletcher Mortgage Company as a top-producing loan officer in 1978 moving to the management side in 1986 with Southmark Mortgage. He opened Associates Mortgage Group, the first of his three lending companies in 1994.
Kittle served as MORPAC Chairman for MBA, from 2004-2006. He is past President of both the Louisville and Kentucky Mortgage Bankers Associations, as well as leading the industry through its most tumultuous period as Chairman of the Mortgage Bankers Association, Washington DC in 2009. Kittle has testified before congress 14 times.
Kittle has been a driving force behind the growth and success of TMC, working to bring together mortgage lenders from across the country to share best practices and collaborate on key industry issues. Kittle has also been a vocal advocate for innovation and technology adoption in the mortgage industry, urging lenders to embrace new tools and strategies to improve their operations and better serve their customers.
Kittle is a frequent speaker at industry events and conferences, sharing his expertise on a variety of topics related to mortgage lending.
He resides in Louisville, Kentucky, he has four children and two grandchildren.
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.
Check out more details about MBS Live here
04-22-2024 Rattle Rates and Do "The Twist"
Come on, Jay Powell. Let's do the twist.
Come on, Yellen. Let's do the twist.
Data continue to confound the Fed and Treasury. Easy money and free-spending lead to the pain of persistent inflation. Now, tight money constraints growth and hastens deficits, so rates go around and around.
The key resistance in the 10-year yield remains at 4.71, 4.80, and 5.01. Alternatively, the supports are 4.49, 4.33, and 4.18.
Uncertainty and volatility remain elevated. The bulls need to close below 4.49 to gain momentum to attack 4.33. Otherwise, the bears retain control, but for bearish momentum to rise, 4.71 needs to fall.
Come on, rattle rates, And do the twist.
Song: The Twist (1958) Chubby Checker cover 1960
Adam DeSanctis, Director of Public Affairs at Mortgage Bankers Association
As a strategic public affairs and communications executive with nearly two decades of experience, Adam has deep expertise in strategy, management, and media relations. He is widely considered to be an expert in a variety of communications, including advocacy, brand, executive, crisis, grassroots, and social media. In his career, he has been the MBA spokesperson on a wide variety of real estate research and advocacy-related issues, promoted MBA research and advocacy efforts to financial, political, and trade industry media and on MBA's social media channels, and secured media opportunities for MBA leadership on key real estate trends and issues, generated media coverage for MBA's research and data on mortgage applications, credit availability, homebuilder applications, mortgage forbearance/delinquencies, commercial real estate originations, and forecasts, and other industry analysis, developed key strategic initiatives for MBA's organizational public affairs plan, media relations and member communications support for mPower, MBA's Opens Doors Foundation and MBA's Diversity, Equity, and Inclusion programs.
Show notes:TMSpotlight:04-22-2024 Rattle Rates and Do "The Twist"
Come on, Jay Powell. Let's do the twist.
Come on, Yellen. Let's do the twist.
Data continue to confound the Fed and Treasury. Easy money and free-spending lead to the pain of persistent inflation. Now, tight money constraints growth and hastens deficits, so rates go around and around.
The key resistance in the 10-year yield remains at 4.71, 4.80, and 5.01. Alternatively, the supports are 4.49, 4.33, and 4.18.
Uncertainty and volatility remain elevated. The bulls need to close below 4.49 to gain momentum to attack 4.33. Otherwise, the bears retain control, but for bearish momentum to rise, 4.71 needs to fall.
Come on, rattle rates, And do the twist.
Song: The Twist (1958) Chubby Checker cover 1960
Articles:These Home Sellers are done waiting for the Fed to lower ratesMortgage Lenders view TSPs as Indispensable (but Expensive) PartnersMortgage execs want more choices, lower costs from tech vendorsMortgage lenders frustrated as costs of "must-have" tech climb - Fannie Mae----------------------------------------------------
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program with Marc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
Allen Pollack, Chief Operating Officer, Tech ConsultantAllen 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.
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!
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.
Check out more details about MBS Live here.
04-15-2024 "Everybody's Talking At Me" Bears Listen to the "Conflict Conversation"
Everybody's Talkin' at Bonds.
They don't hear a word they're sayin'
Only the echoes of bears’ minds.
The US, king of deficit-spending, continues to see sticky inflation, with the long-term expectation at 3%. Meanwhile, its dependent prince, the EU, sees slipping wages and inflation. So, the ECB is expected to ease in June.
Unless the conflict in Gaza becomes an overt war between Iran and Israel, the bears can reach 5.25 in the 10-year yield. Conversely, the hope to go below 4% lies in a global recession and liquidity troubles. For now, the bears are:
Skipping over the Fed’s ease like a stone.
Song: Everybody's Talkin' (1966) Fred Neil
Adam DeSanctis, Director of Public Affairs at Mortgage Bankers Association
As a strategic public affairs and communications executive with nearly two decades of experience, Adam has deep expertise in strategy, management, and media relations. He is widely considered to be an expert in a variety of communications, including advocacy, brand, executive, crisis, grassroots, and social media. In his career, he has been the MBA spokesperson on a wide variety of real estate research and advocacy-related issues, promoted MBA research and advocacy efforts to financial, political, and trade industry media and on MBA's social media channels, and secured media opportunities for MBA leadership on key real estate trends and issues, generated media coverage for MBA's research and data on mortgage applications, credit availability, homebuilder applications, mortgage forbearance/delinquencies, commercial real estate originations, and forecasts, and other industry analysis, developed key strategic initiatives for MBA's organizational public affairs plan, media relations and member communications support for mPower, MBA's Opens Doors Foundation and MBA's Diversity, Equity, and Inclusion programs.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program with Marc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
In the ever-evolving landscape of the mortgage industry, establishing a strong social media presence isn't just about visibility—it's about leadership. Social media has become a crucial platform for mortgage professionals to connect with clients, build trust, and showcase expertise. To truly lead from the front on socials in the mortgage industry, professionals must leverage these platforms strategically and authentically. Are you like me looking for who will emerge and the future voices of our industry? I started reading Greg Sher's posts on LinkedIn and wanted to get to know him and wanted to interview him. I encourage you to take the time to listen to this interview with Greg Sher of NFM Lending and would love to hear your thoughts.
Allen Pollack, Chief Operating Officer, Tech ConsultantAllen 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.
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!
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.
Check out more details about MBS Live here.
4.8.24 Rates and the Sun Are Having a "Total Eclipse of the Heart"
(Turn around, Bear lines)
Every now and then rates fall apart
(Turn around, Bear lines)
The US faces a sign in the shadow. Sharp rates, strong jobs, stubborn inflation, Surging Gold, Scorching Oil, and a solid Dollar collide with sagging China, stumbling Europe, and a severed shortcut in the Mideast.
Rates continue to rise with 4.52 a near-term target in the 10-year yield. The Fed said bumps are in the road, but easing is coming, and Treasury sales will be reduced to avoid transactions going dark.
Four handle’s gonna break in time.
Once upon a time, Bulls were falling in love
Now they’re only falling apart
And there's nothing RATES can do
A total eclipse of the heart
Song: Total Eclipse of the Heart (Turn Around) (1983) Bonnie Tyler
Adam DeSanctis, Director of Public Affairs at Mortgage Bankers Association
As a strategic public affairs and communications executive with nearly two decades of experience, Adam has deep expertise in strategy, management, and media relations. He is widely considered to be an expert in a variety of communications, including advocacy, brand, executive, crisis, grassroots, and social media. In his career, he has been the MBA spokesperson on a wide variety of real estate research and advocacy-related issues, promoted MBA research and advocacy efforts to financial, political, and trade industry media and on MBA's social media channels, and secured media opportunities for MBA leadership on key real estate trends and issues, generated media coverage for MBA's research and data on mortgage applications, credit availability, homebuilder applications, mortgage forbearance/delinquencies, commercial real estate originations, and forecasts, and other industry analysis, developed key strategic initiatives for MBA's organizational public affairs plan, media relations and member communications support for mPower, MBA's Opens Doors Foundation and MBA's Diversity, Equity, and Inclusion programs.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program with Marc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
Allen Pollack, Chief Operating Officer, Tech ConsultantAllen 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.
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!
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.
Check out more details about MBS Live here.
04-01-2024 "We Will Rock You" It's Another Gold BRIC in the Wall
BRICS want a race. Chasing Bucks Can all over the place, // Queen only //singin'. We will, we will rock you. We will, we will rock you.
Gold hit record highs as China and other BRICS continued their buying spree. So, why hoard Gold? Under Russia’s leadership, the BRICS, which includes many of the largest oil-producing countries, want to establish a global payment system to compete with the capricious Advanced Economies’ Swift system. Gold’s rise also reflects doubt that the Fed will avoid a liquidity crisis unless it curtails selling Treasuries.
Regardless, the 10-year yield is in limbo with no momentum. Stay tuned to shifting money We will, as the BRICS say,
We will, we will rock you.
Song: We Will Rock You (1977)
Adam DeSanctis, Director of Public Affairs at Mortgage Bankers Association
As a strategic public affairs and communications executive with nearly two decades of experience, Adam has deep expertise in strategy, management, and media relations. He is widely considered to be an expert in a variety of communications, including advocacy, brand, executive, crisis, grassroots, and social media. In his career, he has been the MBA spokesperson on a wide variety of real estate research and advocacy-related issues, promoted MBA research and advocacy efforts to financial, political, and trade industry media and on MBA's social media channels, and secured media opportunities for MBA leadership on key real estate trends and issues, generated media coverage for MBA's research and data on mortgage applications, credit availability, homebuilder applications, mortgage forbearance/delinquencies, commercial real estate originations, and forecasts, and other industry analysis, developed key strategic initiatives for MBA's organizational public affairs plan, media relations and member communications support for mPower, MBA's Opens Doors Foundation and MBA's Diversity, Equity, and Inclusion programs.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program with Marc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
Allen Pollack, Chief Operating Officer, Tech ConsultantAllen 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.
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!
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.
Check out more details about MBS Live here.
03-25-2024 "Times Like These" Make You Look At Your Options
Jay’s on a one-way motorway
He’s an ease that drives away, then loosens sales back home.
The Fed remains on the road to reducing monetary constraints, whether through lower rates or fewer sales of Treasuries. What bites harder, a recession, political upheaval, or a liquidity crisis?
The Fed and Gold buyers agree that inadequate cash lubricating global commerce creates unpredictable and dire consequences. Will rates go up or down 100 basis points? Prudent hedgers buy time to adapt to market changes by buying options.
It's times like these buying time again.
Song: Times Like These (2002) Foo Fighters
https://www.youtube.com/watch?v=rhzmNRtIp8k
Adam DeSanctis, Director of Public Affairs at Mortgage Bankers Association
As a strategic public affairs and communications executive with nearly two decades of experience, Adam has deep expertise in strategy, management, and media relations. He is widely considered to be an expert in a variety of communications, including advocacy, brand, executive, crisis, grassroots, and social media. In his career, he has been the MBA spokesperson on a wide variety of real estate research and advocacy-related issues, promoted MBA research and advocacy efforts to financial, political, and trade industry media and on MBA's social media channels, and secured media opportunities for MBA leadership on key real estate trends and issues, generated media coverage for MBA's research and data on mortgage applications, credit availability, homebuilder applications, mortgage forbearance/delinquencies, commercial real estate originations, and forecasts, and other industry analysis, developed key strategic initiatives for MBA's organizational public affairs plan, media relations and member communications support for mPower, MBA's Opens Doors Foundation and MBA's Diversity, Equity, and Inclusion programs.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program with Marc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
In the fast-paced and competitive landscape of the mortgage industry, the ability to communicate effectively can make all the difference. Whether you're a loan officer, broker, or lender. How we use language significantly impacts our ability to achieve our goals and influence others. By understanding and harnessing the power of words, we can enhance our communication skills, build stronger relationships, and achieve greater success.
03.18.24 Inflation Has the "Folsom Prison Blues"
Hello, I’m Jerome Cash
I hear inflation comin', it's rolling round the bend.
And I ain't seen it tumblin’ since I don't know when.
I’m stuck in Biden’s Prison, inflation draggin' on.
Biden pushes on demand with old-fashioned Democrat economic policies constraining commerce and unrestrained spending. Adding in Yellen’s global minimum corporate tax releases inflation that is beyond transitionary according to repentant Treasury Secretary Janet Yellen.
As a result, Powell will not ease as quickly as the market wants, but he will give it QT relief.
Far from Folsom Prison, That's where Jay wants to stay,
so he’ll blow that QT whistle, Blow our Blues away.
Song: Folsom Prison Blues (1955)
https://www.youtube.com/watch?v=s_NLlOiD1Wo
Johnny Cash
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!
Adam DeSanctis, Director of Public Affairs at Mortgage Bankers Association
As a strategic public affairs and communications executive with nearly two decades of experience, Adam has deep expertise in strategy, management, and media relations. He is widely considered to be an expert in a variety of communications, including advocacy, brand, executive, crisis, grassroots, and social media. In his career, he has been the MBA spokesperson on a wide variety of real estate research and advocacy-related issues, promoted MBA research and advocacy efforts to financial, political, and trade industry media and on MBA's social media channels, and secured media opportunities for MBA leadership on key real estate trends and issues, generated media coverage for MBA's research and data on mortgage applications, credit availability, homebuilder applications, mortgage forbearance/delinquencies, commercial real estate originations, and forecasts, and other industry analysis, developed key strategic initiatives for MBA's organizational public affairs plan, media relations and member communications support for mPower, MBA's Opens Doors Foundation and MBA's Diversity, Equity, and Inclusion programs.
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.
Check out more details about MBS Live here.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program with Marc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
Innovation is the lifeblood of any industry, and the lending sector is no exception. As we step into 2024, the landscape for lenders is evolving rapidly, driven by technological advancements, changing customer expectations, and regulatory developments. To delve deeper into how lenders can navigate these changes and drive innovation in the industry, we sat down with Dawar Alimi, CEO and founder of Lender Price, a leading provider of mortgage pricing engine. In this interview, Dawar shares his insights on the key trends shaping the lending industry in 2024 and offers valuable advice for lenders looking to stay ahead of the curve.
3-11-24 "We Will Rock You" It's Another Gold BRIC in the Wall
BRICS want a race. Chasing Bucks Can all over the place, // Queen only //singin'. We will, we will rock you. We will, we will rock you.
Gold hit record highs as China and other BRICS continued their buying spree. So, why hoard Gold? Under Russia’s leadership, the BRICS, which includes many of the largest oil-producing countries, want to establish a global payment system to compete with the capricious Advanced Economies’ Swift system. Gold’s rise also reflects doubt that the Fed will avoid a liquidity crisis unless it curtails selling Treasuries.
Regardless, the 10-year yield is in limbo with no momentum. Stay tuned to shifting money We will, as the BRICS say,
We will, we will rock you.
Song: We Will Rock You (1977)
https://www.youtube.com/watch?v=-tJYN-eG1zk
Adam DeSanctis, Director of Public Affairs at Mortgage Bankers Association
As a strategic public affairs and communications executive with nearly two decades of experience, Adam has deep expertise in strategy, management, and media relations. He is widely considered to be an expert in a variety of communications, including advocacy, brand, executive, crisis, grassroots, and social media. In his career, he has been the MBA spokesperson on a wide variety of real estate research and advocacy-related issues, promoted MBA research and advocacy efforts to financial, political, and trade industry media and on MBA's social media channels, and secured media opportunities for MBA leadership on key real estate trends and issues, generated media coverage for MBA's research and data on mortgage applications, credit availability, homebuilder applications, mortgage forbearance/delinquencies, commercial real estate originations, and forecasts, and other industry analysis, developed key strategic initiatives for MBA's organizational public affairs plan, media relations and member communications support for mPower, MBA's Opens Doors Foundation and MBA's Diversity, Equity, and Inclusion programs.
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.
Check out more details about MBS Live here.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program with Marc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
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!
Allen Pollack, Chief Operating Officer, Tech ConsultantAllen 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.
Allen Pollack, Chief Operating Officer, Tech ConsultantAllen 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.
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!
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!
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.
Check out more details about MBS Live here.
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.
Check out more details about MBS Live here.
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.
Check out more details about MBS Live here.
2.26.24 Bears May Find "Trouble Every Day"
Well, CASH about to get UPSET From watchin' Jay’s DELAY. He’s checkin' out / the news Until his eyeballs fail to see.
On January 31, during Jay Powell's press conference, he said that the committee would begin to explore slowing sales of its Treasury portfolio.
Some analysts think the language indicates Quantitative Tightening slows later than sooner, while others opined it slows sooner.
The market continues to trade sideways and mechanically as it waits for the Fed to reduce the sale of Bonds.
Expect the bears not to find the momentum to push rates to a new high. As a result, the bulls can roar back in Spring when QT thaws.
No way to delay Cash trouble comin' the Fed’s way.
3.04.24 The War Between Bulls and Bears Brings So Many "Questions"
Why do Bears never get an answer when they're knocking at the door? Because the truth is hard to swallow, that's what the balance war is for.
Embrace the balanced war between Bulls and Bears and prepare for a breakthrough. Recent range trading displays the mortgage market wrestling with its love and hate of equilibrium. But, it’s transitory, like a guillotine dropping with each swing.
Whose pipeline is on the block? Typical pipeline hedgers win amid calm and get decapitated with vast and fast moves in a single direction. Hedgers that use scenario planning win with outsized moves and stay employed.
Song: Question (1970)
https://www.youtube.com/watch?v=9_JpfT-v6Uk
2.19.24 China on Population, "Take It Easy"
Well, we’re buying down the locks. Trying to loosen our loans. Got a world of guidelines on our minds.
Let’s look long-term. China’s fertility rate is among the lowest globally. It fell below its replacement rate in 1991. As a result, its population likely will collapse by 50% in 75 years, recently reported by Newsweek. Along the way, the ratio of workers to seniors will drop 50% in 10 years. So, China’s debt burden will crush it, impacting the world.
Back to today: For US rates to rise, they need helpful news on inflation, growth, or debt. The Fed does not expect it.
Bulls gotta know if Fed’s sweet ease Is gonna save them?
Song: Take It Easy (1972)
Eagles 2013 Remastered original recording
Adam DeSanctis, Director of Public Affairs at Mortgage Bankers Association
As a strategic public affairs and communications executive with nearly two decades of experience, Adam has deep expertise in strategy, management, and media relations. He is widely considered to be an expert in a variety of communications, including advocacy, brand, executive, crisis, grassroots, and social media. In his career, he has been the MBA spokesperson on a wide variety of real estate research and advocacy-related issues, promoted MBA research and advocacy efforts to financial, political, and trade industry media and on MBA's social media channels, and secured media opportunities for MBA leadership on key real estate trends and issues, generated media coverage for MBA's research and data on mortgage applications, credit availability, homebuilder applications, mortgage forbearance/delinquencies, commercial real estate originations, and forecasts, and other industry analysis, developed key strategic initiatives for MBA's organizational public affairs plan, media relations and member communications support for mPower, MBA's Opens Doors Foundation and MBA's Diversity, Equity, and Inclusion programs.
Adam DeSanctis, Director of Public Affairs at Mortgage Bankers Association
As a strategic public affairs and communications executive with nearly two decades of experience, Adam has deep expertise in strategy, management, and media relations. He is widely considered to be an expert in a variety of communications, including advocacy, brand, executive, crisis, grassroots, and social media. In his career, he has been the MBA spokesperson on a wide variety of real estate research and advocacy-related issues, promoted MBA research and advocacy efforts to financial, political, and trade industry media and on MBA's social media channels, and secured media opportunities for MBA leadership on key real estate trends and issues, generated media coverage for MBA's research and data on mortgage applications, credit availability, homebuilder applications, mortgage forbearance/delinquencies, commercial real estate originations, and forecasts, and other industry analysis, developed key strategic initiatives for MBA's organizational public affairs plan, media relations and member communications support for mPower, MBA's Opens Doors Foundation and MBA's Diversity, Equity, and Inclusion programs.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program with Marc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program with Marc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program with Marc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program with Marc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
Succeeding in the mortgage industry in 2024, like in any other year, requires a combination of industry knowledge, adaptability, excellent customer service, and a keen understanding of market trends. One of the top producers in the industry is sharing his knowledge on what it takes to succeed this year. Alec Hanson, Chief Marketing Officer of Loan Depot is with David Lykken today to discuss this.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program with Marc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
Automated Valuation Models, or AVMs, are computer algorithms that use various data points and statistical models to estimate the value of a property. These models consider factors such as property characteristics, location, historical sales data, market trends, and other relevant information. The result is an automated property valuation report, providing an estimated property value without the need for a human appraiser. Today, We have Allan Weiss, Co-Founder of Case-Schiller index share how they created AVM in property valuation.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program with Marc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
The mortgage industry, traditionally viewed as conservative and paper-heavy, is undergoing a transformative shift. The catalyst? Technology. In an era where efficiency and customer experience are paramount, mortgage technology emerges as a game-changer, offering a plethora of benefits to lenders. One of the most significant impacts of technology in mortgage lending is process automation. Tasks that once required days, such as underwriting and document verification, are now accomplished in a fraction of the time. This efficiency not only accelerates the loan approval process but also minimizes human error, ensuring a smoother, more reliable path from application to approval. Our guest today, Erin Dee of LoanPeople shares her journey and how mortgage technology is helping her in getting more business.
Show notes:TMSpotlight:1.22.24 It's A "Love Story" If Buyers Say Yes!
Bonds got tired of waiting.
Wondering if Jay was ever coming around.
Did the Bond buyers buy on Friday? Happy consumers bought by draining savings and using credit cards earlier in the week. Where did the new era of frugality go?
Will the Fed reduce its selling of Treasuries (Quantitative tightening) to avoid liquidity problems? Would such action increase inflation and create wild moves like the spring 2020? Is the Fed Romeo and Bonds Juliet?
Don't be afraid. Jay will get out of this mess. It's a Love Story; buyers, just say yes.
Song: Love Story (2008) Taylor Swift
https://www.youtube.com/watch?v=8xg3vE8Ie_E
Legislative Update:Link to VA ANPR - https://www.federalregister.gov/documents/2023/12/11/2023-27068/loan-guaranty-minimum-property-requirements-for-va-guaranteed-and-direct-loans
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program with Marc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
The world of mortgage finance and housing policy is mourning the loss of an amazing iconic leader and friend with the passing of David H. Stevens. As we reflect on his remarkable career, we celebrate his profound impact on the mortgage industry and his enduring legacy. I can think of no better way to honor and remember David, than to listen to the attached interview with David that I had the privilege and honor of recording on June 27th, 2017. In this interview, you will hear David share how he started his career in mortgage lending, his journey and accession to serving in the White House, and most importantly his thoughts on leadership and what influenced him in his journey to become the leader he was and his thoughts about the future of our industry. He transparently talked about how he dealt with cancer. It is inspirational. What comes through in this interview is his passion and dedication serve as an inspiration to those who follow in his footsteps. Even though David is no longer with us, his impact on each of our lives and the housing sector will endure, reminding us all of the profound difference one person can make in the lives of many. I hope you will take the time to listen and share this interview as a tribute to our friend, David Stevens.
The "Buy Before You Sell" solution for mortgages is a strategy that allows homeowners to purchase a new home before selling their current one. This can be particularly useful in a competitive real estate market where finding a new home might be challenging, or when homeowners do not want to rush the sale of their current property. Calque, is a company that is doing this and today we have their CEO at our podcast – Jeremy Foster to share the benefits of their BBYS solution and Amy Smith of Alcova Mortgage to give testimonial on how Calque has helped their business.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program with Marc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
The Borrower's Intelligence Platform is ushering in a new era in lending, where data-driven insights are at the forefront of decision-making. This technology not only benefits lenders by reducing risk and improving efficiency but also empowers borrowers by expanding access to credit and providing more personalized loan options. As the lending industry continues to evolve, BIP will play a crucial role in shaping its future. It is a powerful tool that combines the best of data analytics and lending practices to create a win-win situation for both lenders and borrowers. Richard Harris of Trust Engine is here with us today to share how their BIP solution helps lenders get a superior funnel performance and monitors their database to anticipate borrowers’ needs.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program with Marc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
Matthew VanFossen discussed with David Lykken the NAR Lawsuit and how it affects Real Estate Officers and Mortgage Loan Originators. He also discussed their ways on how to get business while the market is off.
Stephen Phelan, Chief Pastoral Officer of Movement Mortgage joined David for the Christmas special release of Lykken on Lending to discuss about Movement’s story about loving and valuing their people. He broke it down into three fundamental human need that human heart has to be loved and valued. Please listen and share it with your peers.
LinkedIn can be a valuable platform for mortgage professionals to build their network, establish credibility, and grow their business. The success of having a linkedin account is based on several factors, like any other social media platform, depends on consistency and authenticity. Engaging with your network, sharing valuable content, and building meaningful relationships are key to leveraging LinkedIn effectively as a mortgage professional. Our guest today is an expert on helping professionals improve their LinkedIn profiles. Debbie Wemyss of DW Consulting has been coaching professionals in optimizing LinkedIn profiles and implementing proven strategies to improve online presence in LinkedIn.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program with Marc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
This special episode with Dave Savage of Mortgage Coach talks about his experience interviewing loan originators who are successful in today's market on his podcast. What are they doing to thrive in these challenging times.
The mortgage industry has evolved significantly over the years, with technology playing a pivotal role in transforming how mortgages are originated, processed, and serviced. In 2024, mortgage professionals are presented with a myriad of opportunities to maximize production and efficiency through innovative mortgage technology. One of the companies that we should be looking to is Lender Home Page, they aim to improve the online lending experience for both mortgage professionals and their customers. Listen to their CEO, Rocky Foroutan and their CRO, Kwe Paker as they share how companies will benefit by availing their service.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program with Marc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
Top mortgage loan officers thrive by combining industry knowledge, strong customer relationships, technological efficiency, and ethical practices. They adapt to market changes, prioritize education, and continuously improve their skills to succeed in today's competitive mortgage market. One of the top MLOs in the mortgage space is Garrett Locklear, founder of Candid, Inc. with $1Bn lifetime funding, he sat down with David Lykken and discussed what MLOs are doing to succeed in this tough market.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program with Marc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
Consumer financial data is the bedrock of today's financial ecosystem, shaping lending decisions, financial services, and personal finance management. As individuals and businesses navigate this data-driven world, it is crucial to strike a balance between leveraging the benefits of consumer financial data and safeguarding individual privacy and security. One of the up-and-comers in this arena is Truv, they are on a mission to put the data back in the hands of consumers by providing organizations with consumer permissioned financial data sources. Their cost will save organizations tons of money by 60%-80% savings on their service. Joining us today to explain further is Richard Grieser, Vice President of Marketing for Truv.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program with Marc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
In the realm of personal finance, homeowners often find themselves in a unique position of potential wealth creation. This untapped resource lies in the very place they call home – their property's equity. Home Equity Lines of Credit, commonly known as HELOCs, have emerged as a versatile financial tool that allows homeowners to harness the value locked within their homes for a variety of purposes. Whether it's funding home renovations, consolidating debt, covering unexpected expenses, or pursuing investment opportunities, a HELOC can serve as a valuable asset in one's financial toolkit. In this episode, Joel Rickman delved into the importance of the HELOC process and factors driving HELOC usage.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program with Marc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
The future of mortgage appraisal is poised to undergo significant transformations driven by technological advancements, changing market dynamics, and evolving consumer preferences. In recent years, the traditional methods of property valuation have been gradually giving way to innovative approaches that leverage data analytics, artificial intelligence, and automation. These emerging trends not only promise greater accuracy and efficiency in the appraisal process but also have the potential to reshape the way we evaluate and secure mortgages. In this rapidly evolving landscape, this discussion will explore the key drivers and potential outcomes of the future of mortgage appraisal, offering insights into how these developments may impact the real estate industry and homebuyers alike.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program with Marc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
The rise of artificial intelligence (AI) in various industries is undeniable. From healthcare and manufacturing to the world of finance, AI is changing the way we operate, offering solutions that are faster, more accurate, and tailored to individual needs. One of the most notable implementations in the mortgage industry is the Angel AI by SunWest Mortgage, The integration of artificial intelligence (AI) into our daily lives is changing the way industries operate, offering automated, precise, and tailored solutions. The mortgage industry, known for its intricate processes and paperwork, is one that stands to benefit enormously from these advancements. This is the continuation of the first part of the podcast with Pavan Agarwal of SunWest Mortgage. The brain behind Angel AI. He breaks down the process of Angel AI.
Today’s heightened rate environment in the lending space will surely pass soon enough. But as long as it is here, you must know how to navigate through it in order to thrive and survive. Joining David Lykken to share valuable tips about this matter are Dan Catinella of Total Expert and Melissa Wright of American Pacific Mortgage. They discuss the importance of being data-driven in this particular lending climate, focusing more on customer retention and profiles. Dan and Melissa also share how they help originators engage with customers when it comes to repurchasing and refinancing, as well as the approach they take in addressing the low statistics of homeowners with mortgages.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program with Marc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
It’s not the biggest and flashiest that remains in the game, but the most trusted, consistent, and dependable. This is what Byte Software steadfastly aims for. Driven by its mission to be the most trusted LOS on the planet, Byte Software has been serving mortgage bankers since 1985. In today’s episode, David Lykken sits down with none other than Mark Todd of Byte Software to talk us further into the amazing things they are doing to provide lenders with the freedom to do business the way they want. Mark touches on their LOS differentiation, sharing what they do for both the small and big guys in the industry that makes them stand out from other loan origination software out there. Plus, Mark talks about their one-year contracts, their partnership DNA, support systems, and more. In times when markets are erratic, we all need the accessible and easy-to-use tools we can get. Join this conversation and get to know more about Byte Software and what it can offer you in your journey to mortgage success!
The Federal Reserve's interest rate decision in the run-up to the 2024 Presidential election underscores the intricate balance between macroeconomic management and the more nuanced elements of the financial sector, such as MSRs. Stakeholders in the mortgage industry, as well as broader financial institutions. Given the relationship between interest rates and MSRs, the Federal Reserve's decision will undoubtedly influence MSR dynamics. Today, Doug Duncan, Chief Economist of Fannie Mae, and Adam Quinones, Founder of dataQollab sat down with Matt Graham, Les Parker, and David Lykken to have a round table discussion on what will be most likely the forecast for interest rates and MSR for the 4th Quarter of 2023 and 2024.
James Dwiggins, CEO of NextHome sat down with David Lykken. He explained the background of the three class action lawsuits between the Department of Justice and the National Association of Realtors. The general understanding of these lawsuits is a conspiracy in the industry to prop up commissions and that they collaborated to do that by forcing sellers to pay buyer’s agent commissions. James also has a podcast named Real Estates Insiders Unfiltered with Keith Robinson.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program with Marc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
In an ever-evolving world, the concept of women's empowerment has emerged as a transformative force driving positive change across societies, industries, and economies. Women empowerment is not merely a buzzword but a powerful movement that champions equality, inclusivity, and the realization of women's full potential. It represents the idea that every woman, regardless of her background, should have the opportunity and support to achieve her dreams, participate in decision-making processes, and break through the barriers that may hinder her progress. Marjorie Willis of Navy Federal Credit Union sat down with David Lykken at the last MBA Conference to discuss the impact of this topic to executives like her in the mortgage industry.
More than earning a profit, a good lending program goes above and beyond to completely change a homeowner’s life for the better. This is what JPMorgan Chase is doing through their $30 billion racial equity commitment through Correspondent Community Lending Program. David Lykken and Marc Helm explore this even deeper with Taeko Bashaw, the program’s Executive Director, and Cerita Battles, Chase’s Managing Director and Head of Community & Affordable Lending. Together, they share how the Correspondent Community Lending Program not only provides easier access to homeownership but also bridges the gaps of wealth and racial differences. Taeko and Cerita explain how their program can stabilize underserved communities, and secure long-term sustainable outcomes.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program with Marc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
NCS (National Credit-reporting System, Inc.), a full-service credit-reporting agency specializing in third-party validation services and credit intelligence data, offers a unified verification and risk mitigation offering, blending performance and efficient design for today’s mortgage industry leaders. A trusted leader with lenders nationwide since 1978, NCS is a private and family-owned company navigating you through solutions, services, and experience needed to maximize portfolio strength and consumer satisfaction beyond the expected. We are the industry pioneer of being the first organization to offer IRS tax transcript solutions (TRV® Services) nationwide. Today, we have their Chief Executive Officer, Curtis Knuth and Chief Revenue Officer Jeff Gentry sharing how the company innovates to be on top of their niche and what they see in the future of credit reporting.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program with Marc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
The real estate industry is undergoing a significant transformation, with one of the most notable changes being a shift in the way real estate commissions are structured and paid. Traditionally, real estate agents have earned a commission based on a percentage of the sale price of a property. However, in recent years, there has been a growing movement towards alternative commission structures that aim to make the real estate transaction process more transparent and cost-effective for both buyers and sellers. Critics of the traditional commission model argue that it can be costly for homeowners, especially in high-priced markets, where a 5% to 6% commission can amount to tens of thousands of dollars. This has led to calls for greater transparency and flexibility in the way real estate commissions are calculated and paid. David Lykken sat down with Marjorie Adam to discuss where this change is heading.
Core values play a fundamental role in leadership. They serve as guiding principles that dictate behavior and action. For leaders, adhering to these values helps to cultivate trust and guide the organization towards its vision. Let's delve deeper into the importance of core values as the foundation of leadership. It is more than just words on paper. They serve as the foundation upon which effective leadership is built. Leaders who truly internalize and act upon their core values can foster organizations that are trustworthy, resilient, and successful, just like our guest for today, Bobby Nicely, Billy Siple and Rob Lindstrom also known as 3AM (3 owners of Alcova Mortgage). They breathe and live with their core values that makes them a successful organization.
The rise of artificial intelligence (AI) in various industries is undeniable. From healthcare and manufacturing to the world of finance, AI is changing the way we operate, offering solutions that are faster, more accurate, and tailored to individual needs. One of the most notable implementations in the mortgage industry is the Angel AI by SunWest Mortgage, The integration of artificial intelligence (AI) into our daily lives is changing the way industries operate, offering automated, precise, and tailored solutions. The mortgage industry, known for its intricate processes and paperwork, is one that stands to benefit enormously from these advancements. Today we have Pavan Agarwal of SunWest Mortgage. The brain behind Angel AI is going to share the history of how he envisioned and built Angel AI.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program with Marc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
In the vast expanse of leadership literature, John David Mann's "Vagrant: The Inner Journey of Leadership" stands as a poignant testament to the importance of self-awareness, self-reflection, and the personal journey in the quest for authentic leadership. Mann's work delves deep into the heart of leadership, advocating for an introspective approach, rather than the all-too-familiar emphasis on external skills and tactics. Vagrant is not just a book on leadership; it's a treatise on personal growth and authenticity. In an age where leadership is often misconstrued as mere authority or power, John David Mann reminds us of its essence: the continuous journey of self-improvement and the courage to lead by example.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program with Marc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
The essence of leadership transcends a designated title or a position of authority. True leadership arises from an amalgamation of the right mindset and skillset. Both are vital to driving influence, sparking change, and leading teams or organizations towards a vision. Leadership is a dance between the mind and action, between what one believes and how one acts on those beliefs. When leaders harmonize their mindset and skillset, they not only empower themselves but also those they lead, creating an atmosphere where vision turns into reality. Today, Emily Farley of Atlantic Bay Mortgage Group shares leadership best practices that they do in their company.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program with Marc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
In the fast-paced world we inhabit, nurturing the roots of our communities often takes a back seat. However, a community thrives when its members are empowered with knowledge that can pave the path to financial stability and growth. Giving back to the community by educating them about mortgages is more than just a philanthropic endeavor. It is an investment in the fabric of society, fostering sustainable growth, and nurturing a culture of mutual respect and support. When individuals are equipped with knowledge, they can make informed decisions that benefit not only themselves but their community as a whole. Today, we have Shawn Karnes of Arvest Bank sharing how they give back to the community by educating them about the mortgage process.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program with Marc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
Listeners. We have a really important update on what's going on with the real estate commission today. I want you to take time to listen through this and share this podcast because this is already starting to have an impact as you're going to hear in just a few minutes as we get into the discussion again, the whole topic that we're focusing on today is the sell side of the real estate commission and what no one thought would ever change appears to be changing
The Consumer Financial Protection Bureau (CFPB), an agency of the United States government responsible for safeguarding consumers in the financial sector, has recently turned its focus towards scrutinizing potential violations of the Real Estate Settlement Procedures Act (RESPA). The bureau has issued a series of consent orders against several mortgage and real estate companies for practices linked to event tickets and Marketing Services Agreements (MSAs), which have raised concerns of unfair practices and potential conflicts of interest. Mortgage and real estate companies should take this opportunity to review and update their compliance protocols to avoid falling foul of the law. As the regulatory landscape continues to evolve, adherence to RESPA’s provisions will be critical in fostering a fair and transparent real estate market that serves the best interests of consumers. Today, we have Mitch Kider of Weiner, Brodsky Kider PC on what the mortgage industry should be aware of.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program with Marc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
The mortgage business, with its intricate lattice of financial patterns and changing market dynamics, can sometimes sap the enthusiasm out of the most stalwart professionals. There comes a time in every mortgage business owner's journey when the zeal seems to have fizzled out, leaving them pondering about drawing the curtains on their enterprise. However, quitting is not always the answer. Reigniting the lost passion and resurrecting the fervor to keep going can be a viable, and often rewarding, solution. Joining us today is Michael Powell, Founder of Cahootz, He shared with us his “why” and reigniting his passion in the mortgage industry.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program with Marc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
In today's rapidly evolving landscape, the banking industry finds itself at the crossroads of innovation and tradition. One individual who has positioned himself at the forefront of this transformative journey is James Robert Lay. With a keen eye for technological advancements and a profound understanding of the financial sector, Lay has become a prominent figure driving the digital growth of banking. James has successfully guided banks and financial institutions to reimagine their customer engagement strategies. Embracing the power of artificial intelligence, data analytics, and personalized experiences, he has enabled these institutions to transcend geographical boundaries and connect with customers in ways previously unimagined.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program with Marc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
We have the privilege of introducing a remarkable individual who has been making waves in the world of media and housing. Joining us is none other than Clayton Collins, CEO and Founder of HousingWire Media. With a deep understanding of the complexities of the housing market and an unwavering commitment to journalistic integrity, Clayton has cultivated a community of experts and thought leaders who contribute to the ongoing dialogue surrounding housing trends, market shifts, and industry developments. HousingWire Media has evolved into a hub of thought-provoking content, including articles, podcasts, and events that bring together the brightest minds in real estate. His passion for delivering accurate, timely, and actionable information has undoubtedly contributed to the success of countless professionals within the housing sector. Get ready to be inspired as we delve into a conversation with Clayton Collins. We'll explore his journey with HousingWire, his insights into the housing market's current landscape, and the role HousingWire Media plays in shaping the way we understand and navigate the world of real estate.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program with Marc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
The dream of homeownership has long been a cornerstone of the American dream. However, for many millennials and Gen Z’ers, the burden of student loan debt has significantly altered the path towards achieving that dream. The intertwining of student loan debt and the pursuit of homeownership presents a complex challenge for today's aspiring homebuyers. The impact of student loan debt on mortgage applications is a reality that cannot be ignored. As the landscape of student loan debt evolves, it becomes increasingly important for individuals to make informed financial decisions, establish strong credit profiles, and explore strategies to effectively manage their debt. Today, we have Catalina Kaiyoorawongs of LoanSense to share with us how you can achieve home ownership by having a process that will make sure your home loan application will be approved while still having student loan debt.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program with Marc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
Total Expert is paving the way for an integrated mortgage technology ecosystem that empowers lenders to thrive while revolutionizing how we connect, engage, and serve customers. In this episode, our special guest is Mike Russell of Total Expert, a leading provider of integrated mortgage technology solutions. Today, Mike shares how Total Expert is revolutionizing the industry by seamlessly integrating various technologies and creating a comprehensive ecosystem for mortgage lenders. Mike highlights the importance of leveraging data and customer intelligence to enhance the borrower experience, drive engagement, and ultimately reduce churn. With Total Expert's purpose-built platform, lenders can personalize their communications, automate processes, and provide a differentiated borrower experience that sets them apart. Mike also explores the five Ds—diamonds, diapers, degree, death, and divorce—and how Total Expert's expert content team has created tailored journeys for each life event, leveraging triggers to initiate personalized interactions. Join us in unraveling the potential of integrated mortgage technology ecosystems and how they are shaping the future of the industry.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program with Marc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
In this episode, we dive again into the dynamic world of the mortgage industry with none other than Bill Cosgrove, the esteemed leader of Union Home Mortgage. Bill shares how Union Home Mortgage has not only survived but thrived in the ever-changing landscape of the mortgage market. He shares how he and his team have cracked the code on employee retention, creating an environment where people genuinely want to stay. With a focus on open and honest communication, fostering trust, and valuing every team member's contribution, Union Home Mortgage has built a business family that embraces healthy debates and finds optimal solutions together. Bill also highlights the crucial role of scaling in the mortgage industry. He acknowledges the advantages of being a large-scale player but also emphasizes that world-class excellence can be achieved at any level. Bill's vision for Union Home Mortgage's future involves continued scaling, responsible growth, and a relentless dedication to delivering exceptional service to its customers. The mortgage industry is not just about numbers; it's about transforming lives and shaping a better future. Tune in now and learn how to create meaningful change!
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program with Marc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
Treasury management refers to the process of overseeing and controlling an organization's financial assets, liabilities, and cash flow. It involves various financial activities and strategies aimed at maximizing the efficiency of cash utilization, minimizing financial risk, and ensuring the smooth functioning of the company's financial operations. Treasury management is of critical importance for mortgage companies due to its significant impact on their financial stability, risk management, and overall business operations. Today, our consultant Russ Anderson will explain how Treasury Management will benefit your company.
In an exciting development, The Mortgage Collaborative (TMC), a leading network of mortgage lenders, has announced its new leadership. The organization, known for fostering collaboration and innovation within the mortgage industry, has brought seasoned professionals to drive its strategic initiatives and propel it into the future. With a wealth of experience and expertise, the new leadership team is poised to guide TMC to new heights in the dynamic and ever-evolving mortgage landscape. Sitting with David is the new President and COO Melissa Langdale, she assumed the position recently and plotting some innovative plans for the members of TMC.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program with Marc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program with Marc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
True leadership emerges when we navigate the toughest times with resilience, transparency, and an unwavering commitment to our team and values. In this episode, we delve into the captivating world of mortgage industry leadership during challenging times. Join us as David Hopper, Chairman of the Board at LeaderOne Financial, explore leadership dynamics and discuss the unique obstacles faced by professionals in the mortgage industry today. He dives into the current market climate and how it presents a new set of challenges. As Mark rightly points out, even the trying times of 2007-2009 pale in comparison. David's authenticity and transparency shine through as he discusses LeaderOne's distinctive approach. He shares their business and leadership model and the core values that drive their success. Tune in now and get equipped to lead effectively in the present market challenges.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program with Marc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
Mortgage professionals may have their own strategies to achieve business success. But if there is one common thing that connects them all, it is their powerful mindset in embracing failure and jumping back from it. This episode features national speaker, coach, and podcaster Phil Treadwell of M1 Academy. Joining David Lykken and Marc Helm, he discusses how to unlock huge mortgage opportunities by facing losses head-on and gathering their most important lessons. Phil explains how sharing gratitude stories on social media can enormously help in establishing a reputable mortgage career. He also presents three reasons on how to succeed in mortgaging regardless of market conditions and a three-step formula for increasing your sphere of influence.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program with Marc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
What IS the secret to success in the mortgage industry? Get ready for an inspiring episode as we welcome Dean Harrington the CEO of Shamrock Home Loans. He shares the secrets behind Shamrock's recognition as the number one mortgage company to work for by National Mortgage News. Dean discusses his successful strategies for leading Shamrock Home Loans to become a top-performing company at the C12 annual conference in Denver. He reveals the core values that define the company's culture and why they are crucial in attracting and retaining exceptional talent. He also discusses how to create clear boundaries and foster a sense of safety within the organization. He shares how values create a lasting impact, increasing employee loyalty and protecting against external recruitment efforts. As the discussion progresses, Dean also explores the integration of faith in the workplace and how he navigates this aspect with grace and inclusivity. Additionally, he delves into the importance of addressing employee concerns and embracing problems as opportunities for growth. Dean's approach to enriching the lives of employees reflects the profound impact it has on the success of the organization. Tune in now and learn why messaging matters!
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program with Marc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program with Marc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
In the modern business landscape, attracting business is emerging as a more effective and sustainable approach than chasing business. By focusing on building a strong brand, delivering value, and cultivating positive customer experiences, businesses can create an environment where customers are naturally drawn to their offerings. By embracing this paradigm shift, entrepreneurs and companies can unlock long-term success and establish themselves as leaders in their respective industries. In this episode, Tiffany Rose will explain the concept of attracting versus chasing business and shed light on why the former holds the key to sustainable success.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program withMarc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
In today's digital age, with sophisticated cyber threats becoming increasingly prevalent, ensuring network security has become more critical than ever. One solution that has emerged as a beacon of hope is the concept of 'Zero Trust Network' or a radical shift from traditional network security measures, Zero Trust Network advocates for a 'never trust, always verify' approach, offering a more comprehensive way to combat cybersecurity threats. Zero Trust Network is a security model that eradicates the conventional binary notion of 'trusted' internal networks versus 'untrusted' external networks. This model operates under the principle that threats can occur anywhere, and thus, no user or system should be implicitly trusted. Instead, every request is thoroughly verified, authenticated, and validated before granting access, regardless of where it originates from within or outside the network. Explaining more about this is John Mahoney, CEO and Co-Founder of Moby, LLC.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program withMarc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
In an era marked by the rapid evolution of technology, the launch of Candor Technology represents a groundbreaking advancement. It is the first and only patented technology-driven mortgage loan fulfillment service that spans the entire loan lifecycle from disclosures to closing. CandorPLUS™, which incorporates Candor’s Loan Engineering System (LES), accurately and efficiently handles manufacturing tasks associated with a mortgage loan, delivering decision-ready loan files with speed and machine precision. This allows lenders to instantly scale and deliver concierge-level satisfaction to borrowers regardless of fluctuating market volumes. To put things into perspective Ed Kourany, Chief Business Officer of Candor Technology sat with me to discuss this innovative solution.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program withMarc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
The Mortgage Bankers Association (MBA) recently unveiled its highly anticipated 2023 Q1 performance report on May 18, 2023. IMBs reported a net loss of $1,972 on each loan they originated in the first quarter of 2023. This has improved from $2,812 per loan loss in the Q4 of 2022. Marina Walsh of MBA discussed the factors for this report and the forecast for the year.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program withMarc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program withMarc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
Cryptocurrency payment for mortgage transactions is a relatively new concept that is gaining popularity, the use of cryptocurrency for real estate transactions offers many benefits, including faster transactions, lower fees, increased transparency, and the ability to facilitate cross-border transactions. While there are some challenges associated with the use of cryptocurrency, these can be mitigated with the right strategies and regulatory frameworks. Michael Jansta of AltiSource and Joshua Tate of ForumPay partnered and talk about the process of crypto-to-cash payments for mortgage transactions.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program withMarc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
Artificial intelligence (AI) is a rapidly growing and evolving field that has many exciting developments and applications. Some of the current trends and advancements in AI today which is a hot topic is ChatGPT. As technology continues to advance, we can expect to see even more innovative and impactful uses of AI in the future. Gabe Minton of Mortgage connect sat with me to discuss AI and its accountability and how it will be useful in the mortgage industry.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program withMarc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
As the mortgage servicing industry continues to evolve and adapt to new challenges and opportunities, it's important to stay informed about the latest trends and developments. In the episode, Seth Sprague of Richey May will be discussing the servicing trends and how it is impacting the mortgage industry in these times.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program withMarc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
Artificial intelligence is not only a technological advance, but a game-changing force that allows us to shape a better future for everyone. In this episode, Jeffrey Palermo, Chief Architect of Clear Measure, dives into the fascinating world of Artificial Intelligence. As a systems expert, Jeffrey shares his insights on what AI is, its significant impact, and the immense potential it holds for the future. He delves into ChatGPT AI, one of the most remarkable developments in AI and its capabilities. He addresses common questions and concerns about AI, including the potential risks and benefits of this emerging technology, and the impact it may have on job security and education. Furthermore, Jeffrey takes us on a journey from the early days of technology to the advancements of AI and how it empowers society. His unique perspective and valuable insights shed light on the development of technology and its role in shaping our world today. Tune in as we explore the exciting and dynamic world of AI with Jeffrey Palermo.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program withMarc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
The mortgage industry is largely human-forward, and it has been that way over the decades. But that doesn’t mean there is no room for technology to take center stage in solving some of the problems in the industry. In fact, there are so many emerging use cases for financial technology that are only just coming to the fore. One example is how Candor helps in eliminating repurchases, which can be a real headache as anyone who has been in the industry long enough knows. Chief Strategy Officer Earl Thomas Booker III joins in on the show to talk about the unique insurance policy that Candor uses to prevent and resolve repurchases. He also talks about the advantage of using Candor as an underwriting software itself. Join in and learn more about how Candor and other AI-backed software are changing the game for professionals in the industry.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program withMarc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
Video is not just a medium; it's a powerful tool that can help businesses achieve their goals. It delivers their message, builds their brand identity, and engages with their audience in a way that no other medium can. In this episode, we have Neco Turkienicz, founder of Leib Productions. Neco owns a company that helps businesses create compelling video content to achieve their marketing goals. Today, he discusses the effectiveness of video as a marketing medium to enhance a business’s brand image, drive customer engagement, and drive sales. Neco also offers tips on how to create high-quality videos on a budget and how to measure the success of video campaigns. Tune in now and learn how video has the power to improve your company’s marketing.
The Mortgage Collaborative University is a valuable educational platform for mortgage professionals who want to improve their skills, knowledge, and career prospects. It offers flexible and comprehensive courses, delivered by industry experts, with a focus on practical applications. The collaboration aspect of MCU creates a community of professionals who can share knowledge and insights, leading to continuous learning and networking opportunities. If you're a mortgage professional looking to improve your skills and stay ahead of the competition, MCU is definitely worth considering. Listen as Stacie Weider of The Mortgage Collaborative discusses the benefits and broad range of courses that cater to the needs of mortgage professionals at different levels of expertise.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program withMarc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
Since its release in late 2022 ChatGPT has been making the rounds across all industries, and the mortgage industry is no exception. What use cases are there for ChatGPT for lenders? How will ChatGPT and AI tools like it define the future of the industry? Joining David Lykken to share his insight into this topic is Shashank Shekhar, founder of Insta Mortgage, one of the fastest-growing private companies in the mortgage industry. If you’re in social media, you would have seen one of Shashank’s posts. He is very prolific in his posts and he has always something interesting to say. Join in as he gives us some of this sought-after expertise, especially around the topic of artificial intelligence and how it would transform the lending space. Shashank and his team are going to kick off a workshop that would educate industry players on the various use cases of ChatGPT in the industry. Tune in as he gives us a taste of what you’d learn from it!
The lending industry can definitely benefit from customer intelligence, which uses data science, machine learning, and artificial intelligence to gain insights about customers and how they can be served better. In today’s episode, Total Expert CEO Joe Welu joins David Lykken and shares the innovative solutions of the Total Expert fintech system. Joe explains how data-driven businesses take the lead in today’s lending market. Tune in to find out how to take advantage of customer intelligence, data science, and AI to drive any financial services business forward.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program withMarc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
We are in the age of customer experience. When using technology, it is crucial for companies to infuse it with customer insight for it to hit the spot. This is what SimpleNexus brings to mortgage technology. In this conversation with David Lykken, Chief Customer Officer Andria Lightfoot shares how the company uses customer intelligence to improve the customer journey. Andria opens our eyes to the shifting trends in customer behavior and how they should change the way we market, especially to Millennial and Gen Z customers, as well as how we can leverage technology correctly to guide us along the way. Customer intelligence is going to be a massive differentiator for players in the industry in the years to come. There will be a huge separation between those that use this powerful tool and those that do not. Tune in and find out how you can stay ahead in the race!
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program withMarc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
The Townstone Financial Case is the second suit against the CFPB (Consumer Financial Protection Bureau), which has been aggressively pursuing redlining claims against independent mortgage bankersover the past couple of years. This time, it lost, and this landmark case gives us key takeaways on just how much power should be in the hands of the CFPB and how do we know it is already overstepping its bounds. Joining the show to explain the case is Mitch Kiderof the WBK Firm. Mitch believes that the Townstone Financial Case is an important one from an administrative law perspective because it clearly defined the bounds of the CFPB’s authority.Although this would hardly undo the damage that the CFPB has already done to countless companies, this is a positive step towards fairer regulation in the industry. Learn more from this episode.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program withMarc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”
Lenders One is all set to hold this year’s L1 Summit, which will be held in Red Rock Canyon, Las Vegas, Nevada. The summit is designed to be a networking event for players of all sizes in the industry who want to pick each other’s brains and see how they can help each other navigate the challenges of the times. Joining us in the podcast today is Tricia Migliazzo, SVP of Origination Sales at Lenders One, tells us what we can expect from this well-attended annual summit. She also tells us how Lenders One helps its members navigate the current state of the market, reduce costs, and operate more competitively.
Mortgages and other products of the lending industry operate on a purely transactional and sales-focused basis these days. Why not bring back the early days of banking, when loans were built upon trust? This is the mission of Trust Engine, a new borrower intelligence platform developed by Dave Savage and Alex Kutsishin. Dave and Alex join us in today’s episode to talk about why they created Trust Engine, the current state of the lending industry, and how Trust Engine can significantly improve lending and empower both borrowers and lenders to build relationships of trust. Dave and Alex also explore how data-driven decision-making can positively impact the lending industry.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program withMarc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
Chances are you’ve already heard of the PPP, because who hasn’t? But have you heard about the ERC? It stands for Employee Retention Credit, and it’s a program under the CARES Act that similarly helps business owners bounce back from COVID but in a totally different way. Under this program, a business that has retained employees during COVID can get a substantial amount of compensation per employee. How does one get hold of this program? Who is eligible? Lee Gillispie returns on the show with David Lykken to tell us more.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program withMarc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
In a lot of places in the loan origination space, there seems to be a serious lack of commitment towards business process improvement. But it is clearly one of the drivers of increased inefficiency and more profitable operations. What are we not doing today that we need to pay attention to moving forward? This is what Keith Polaski of Radius Financial tackles in this conversation with David Lykken. A process junkie and technology adoption enthusiast, Keith full appreciates the power of process management in allowing loan originators to weed out inefficiencies, reduce loan manufacturing costs, and increase the profitability of their businesses. Join in for a lot of incredibly useful information!
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program withMarc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program withMarc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program withMarc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program withMarc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program withMarc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
As the cycles shift, what is one thing you need to invest in right now to keep your mortgage business afloat? Today’s guest says it’s primetime for mortgage technology. Join host David Lykken as he chats with SimpleNexus CEO Ben Miller about why he thinks software is something business owners need to focus on. Ben also shares how the company was recently acquired by nCino and the changes that came with it. As CEO, he oversees overall business strategy, operations, and go-to-market activities while guiding the company’s overall market leadership in streamlining the homeownership journey. His focus is innovating mortgage technology. Tune in to hear more of Ben’s insight and gather valuable advice on how to keep your mortgage business relevant and stable in this cyclical environment.
Assessing loan quality has always been the realm of underwriters. But for the past couple of years, AI-enabled technologies have taken over the bulk of the work from human underwriters, making them more efficient and productive at their jobs. This is what technological innovations like Candor do. In this episode, Sara Knochel, CEO of the tech company’s new data and analytics business, explains how they are using Candor’s wealth of proprietary data to create unique software products for the mortgage industry. The year 2023 is going to be marked by a lot of significant developments in the further digitization of the whole industry, and Candor is right in the forefront of making that change happen. Tune in and learn how they’re doing it and what we can expect from them on the horizon.
There is no shortage of SaaS solutions for lenders out there, but how can they best leverage the available technology to drive opportunity? David Lykken discusses this on the show with Dawar Alimi and Paul Orlando of Lender Price. Lender Price is a leading SaaS-based mortgage pricing and underwriting engine. Dawar and Paul bring their decades of combined experience in the mortgage and IT industries together to create cutting-edge pricing, underwriting, and analytics solutions for lenders. They explain more about their current and upcoming software products in this episode. They also share ideas on how to navigate this very technical and volatile space, especially now that things are changing very fast in the industry. Tune in for more!
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program withMarc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
The mortgage market is going through some fundamental changes, and it’s best to be prepared for what’s to come. Is there a rise in non-Qm, and what should be done about it? In today’s episode with host David Lykken, and co-hosts David Kittle and Marc Helm, they interview Arthur Prieston to pick his brains on what moves to make in this crucial time. Arthur is the President of Prieston and Associates, LLC. In their chat, Arthur shares his mortgage banking journey, discussing the nuances of the industry and best practices for top-tier service. He also enlightens on the growth of the non-QM market and its impact on the purchase and repurchase requests going on right now. Tune in as he also breaks down the relationship between lenders and insurance companies and how they continually innovate their services.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program withMarc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
We’re currently experiencing the most aggressive shift in the industry, and the speed at which the market has changed is clear proof of it. There’s a lot to consider regarding how businesses in the industry will adapt to these changes. Here to share his unique perspective on the matter is Austin Niemiec, Executive Vice President of Rocket Pro TPO. In this chat with host David Lykken, Austin launches into a discussion about what truly makes a healthy industry and the big role the broker community plays in it. It’s high time to think about where your business is headed. Austin talks about the meaning of partnerships, the biggest threat to the broker community, and how to take your business forward. Don’t miss these tidbits of practical business advice by tuning in.
In these non-transactional times, people just up and leave others as soon as they get what they want. They forget that, at the end of the day, the real estate business is a people business. You need to build relationships to grow, and you can't do that with just a single transaction. David Lykken's guests today are from a company that is all about empowering lenders and realtors to build those deeper relationships with clients. He sits down with Dustin Gray and Ashley Terrell from Milestones to talk about what the company does to help mortgage providers in this current market. They dive deep into the value of relationships, especially with the forecast of how the mortgage industry will be in the coming year. If you are a homeowner looking for an app that can help you navigate the markets and keep your relationships, then you better tune in to this great conversation! Don't miss out!
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program withMarc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
Lenders One was able to successfully partner with Walmart so that they can open stores inside Walmart. This relationship has led to many different value propositions for Lenders One when it comes to reaching out to an even wider audience. Now together with Walmart, they are educating potential homebuyers on how to buy a home. Join David Lykken as he talks to the President of Lenders One® Cooperative, Justin Demola about the Walmart partnership. Learn how the partnership came to be and their relationship with Walmart. Find out how they are planning to grow as they continue to open up in more locations.
The market can be very unpredictable, but even more now, with all the challenges happening in the world. That is why we need to do a better job of keeping out and mitigating risks. Candor Technology has been doing exactly that, helping lenders make the highest quality decision possible across the lending lifecycle. In this episode, David Lykken is joined by three special guests that have built Candor into what it is now: the Founder, Thomas Showalter; CEO of the Data and Analytics Division, Sara Knochel; and the Chief Strategic Planning Officer, Earl Thomas Booker III. Together, they tell us the origin story of Candor Technology, the obstacles they faced, and the solutions they deliver to the mortgage industry. They also let us into the culture of the company, their strategic advantages, and how they overcome competition.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program withMarc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
Many top producers have been consistent in their business for years. Do you know what that one simple concept the top producers are doing? In this episode, Tim Davis, the Vice President of Strategic Growth and Internal Coaching at Atlantic Bay Mortgage Group, unravels that secret and explains how it works. Their secret is the circle of referrals system, which he has turned into a book. It is a life-changing concept encompassing three things: educate, appreciate, and ask. Tim’s success as an originator allows him to provide profound insights to educate people and help them grow personally and professionally through The Originators Guide. Dive into this episode and learn this simple solution to grow your business.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program withMarc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program withMarc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
*FTC ANPR LINK from Alice's segment
*Three Steps to Formulate Next Year's Digital Marketing Strategy, from Allen's segment
If you're not comfortable with your warehouse lender, you may be overlooking a valuable resource because guess what? A warehouse lender can be an advisor when selecting and financing the equipment you need for your business! In today’s episode, Drey Roberts uncovers how warehouse lenders can help you grow your company by providing access to the best financing options available. Drey has been a legend in the warehouse lending space with 22 years of experience in the industry. Tune in to understand more about the role of warehouse lenders and how they can give you the upper hand!
The digital world has made business transactions a lot faster and more convenient. Almost everything became easily accessible in just a few clicks. This innovative landscape set brand new market rules that every business owner must know how to navigate well. Ira Rosen of Mojo Global joins David Lykken to explain how to adapt and perform better in an ever-evolving digital environment. Ira presents the right ways to start engaging LinkedIn conversations that translate to real-life connections. He also presents his million-dollar formula that can fill up your calendar and turn productivity into actual results.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program withMarc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
Here is the link to the request for information (RFI) on small mortgage lending, that Alice mentioned. Please use this link to submit a comment by 12/5/2022.
One of the most effective and engaging ways to accelerate brand growth and build a strong following is launching your very own podcast show. It serves as a channel to send your message out into the world, make a good impression, and establish yourself as a highly trusted business. David Lykken sits down with Tom Hazzard of Podetize to learn the ropes of starting an engaging podcast. Tom explains why podcasters should pay more attention to impact and value, not just the number of downloads, voice quality, or episode length. He also explains how to harness the power of verbal SEO to expand podcast reach and become easily searchable on the vast pages of Google.
Did you know that your mortgage technology can be leveraged to have the best results from your deal? In this episode, technology guru Lori Brewer shares her inspiration and purpose for her business and all the exclusive insights about mortgage companies and deals. Lori Brewer is the Chief Technology Officer of Simple Nexus. She has learned the ins and outs of running a mortgage company for ten years. Tune in and learn all about maximizing your mortgage!
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program withMarc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
With the current market today, investing in hiring trainees is a good idea. Diversifying the market creates a more significant opportunity to bring new talents to the business. In this episode, the founder of QFS Sales Solutions, Pat Sherlock, and Scott Johnson, from Homebridge, discuss hiring and developing rookies. As Pat explains, when looking at a loan file, there's more to the customer than just the debt to income or the loan to value. You are producing better rookies by taking a different approach through live training instead of virtual training. Tune in to this episode as the duo shares their insights on how you can hire and develop new trainees!
As a loan originator, you are a growth consultant and a strategic consultant. You have to educate yourself so you can lead others to success. Back in COVID, the market was so much easier to handle. But markets often shift, and anyone with the best year could fall back. Now is the time to focus not just on your client but also on your own personal growth.
Join David Lykken as he talks with the CEO of Kinetic Spark Consulting, Jen Du Plessis. Jen is an international speaker, 14X #1 Amazon best-selling author, host of two top podcasts, and the producer and host of a TV Show, Tell Me I Can’t. She has also been in the mortgage and financial space for four decades now! Learn all you need to know about today's market and how you can lead others to success. Tune in and learn from one of the best!
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program withMarc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
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MBA Annual Convention & Expo in Nashville Oct. 23-26 STARTS TODAY
Candid CRM is the only mortgage platform built for the Modern Loan Generator to help structure, manage, and grow businesses. In this episode, Garett Locklear, the founder of the Locklear Lending Team, explains why Candid CRM is the next-generation mortgage platform. Everything seems to have a base philosophy under any existing system, and Candid focuses singularly on the loan originator. Because of the user’s return exponentially over time, Candid has become a more valuable platform today. Tune in to this episode and learn more about this great technology!
In this day and age, technology is not anymore just about scaling a business. It is about the return on investment or value add it can provide. In the lending space, this means finding the technology that can make you efficient and scale through the amount of deal flow—a much-needed tool in this tight market. Dan Catinella has 20 years of experience in mortgage technology, focused on driving digital transformation through all lending channels. He joins David Lykken to share his insights on lenders leaning on technology, whether on a crutch or to be successful, given the current market conditions. As the Chief Lending Officer of Total Expert, Dan develops high-impact innovation strategies that align with the company's business goals and growth priorities. He dives deep into some of those, giving a glimpse of how they invest in customer intelligence and data mining. Plus, Dan also gives his advice to lenders on where to focus right now and how to break through the negativity with the ups and downs in the industry.
There are a lot of educational resources to learn from when it comes to the lending industry. You can read up on books or listen to podcasts about the state of the markets. But most importantly, you can attend the right conferences. But what happens if you can't attend? Don't worry because the guest today,Kevin Peranio, has you covered. Join David Lykken as he talks to Kevin about the market and why he creates educational video content. Kevin is the Chief Lending Officer atPRMG, Inc. His main goal with PRMG is to enhance the overall customer experience. Learn more about the market today and whether or not interest rates will rise or drop. Discover what conferences to attend in the lending business. And find out how Kevin is bringing value into the lending industry by uploading his own personal, educational videos. Start learning and check out a few today on LinkedIn!
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program withMarc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
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**MBA Annual Convention & Expo in Nashville Oct. 23-26The Creature from Jekyll Island: A Second Look at the Federal Reserve by G. Edward Griffin
As everyone is aware, we are in some interesting times in this industry today and in the world. Brent Chandler is with us today to let people know that FormFree is mission-oriented and empathic to the situation with respect to the downturn in the lending space. Did you know the wealth gap continues to grow, as it's larger today than it was in 1960? Some of the work that FormFree has been pioneering over the last decade really is beginning to make its way into mainstream utilization and has the potential benefit of helping the industry right size the wealth gap. All of this is to reach the underserved, create inclusive lending, and it's all couched in something they call RIKI.
Brent Chandler is the founder and CEO of FormFree. A widely recognized innovator in mortgage and financial services technologies, he has spent 25 years on the leading edge of trading, personal finance, wealth management, and consumer finance.
Chandler launched FormFree in 2007 after his own frustrating homebuying experience fueled an obsession with making loans simpler and safer for everyone. Prior to that, he helped create the world’s first online trade at CheckFree and helped usher in the “aggregation revolution” at CashEdge (both later acquired by Fiserv). He’s also held senior-level positions on Wall Street at Merrill Lynch and Fidelity.
Chandler received his B.S. in mathematics/computer sciences from Southern Illinois University and served honorably in the Marine Corps. He sits on the board of directors for the American Red Cross of Northeast Georgia. Chandler lives in Athens, Georgia, with his wife, Amy, and two sons.
FORMER 2022 "FORMFREE" PODCASTS
02-28-2022 Freddie Mac AIM for income using direct deposit data
06-20-2022 Freddie Mac AIM for income using direct deposit & RVOE
09-26-2022 Democratizing Consumer Data With Eric Lapin Of FormFree
The pandemic turned the entire world into a vastly different ocean much more difficult to traverse. Businesses are now facing new market challenges that call for innovative solutions. Jesse Lopez of Mortgage Solutions Financial is here to share how they navigate today's complicated waters. Joining David Lykken, he opens up about driving growth in a competitive market and differentiating themselves by building genuine connections. Jesse also explains how they approach people recruitment and retention, maximize the positive impact of current technology, and create a workplace culture that allows them to engage with LOs in a unique way.
Everybody has a personal brand whether they know it or not. So in order to sell your brand, you have to first live it. No one likes a person who is faking their brand. Trust is the most important thing when it comes to buying and selling. Be authentic so that you can truly sell your brand. Join David Lykken as he talks to the founder of Orange Leaf Consulting and Orange Leaf Academy, Dr. Cindy McGovern about her newest book, Sell Yourself. Learn how to craft, live, and sell your personal brand. Start recognizing your message today!
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program withMarc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
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MBA Annual Convention & Expo in Nashville Oct. 23-26Chief Compliance Officer position, this person can work remotely anywhere in the US. You can send your CV or resume to recruit@tms-advisors.com**09-29-2022 Right-Sizing Your Business With David Kittle, Howard Nathan, And Stephen Chapman
The more industries progress, the more we look into technology to offer solutions that will keep up with the changing times. In today’s episode, Saroop Bharwani joins David Lykken to share a tool developed by his company that aims to improve the lending experience. Saroop is the co-founder and CEO of Senso.ai, an AI-powered solution that utilizes data from your existing customer base and predictive intelligence to come up with proactive insights. How do they do it? Tune in to learn how their tool serves borrowers, lenders, and even realtors and empowers consumers to make smarter home finance decisions.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program withMarc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
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MBA Annual Convention & Expo in Nashville Oct. 23-26Chief Compliance Officer position, this person can work remotely anywhere in the US. You can send your CV or resume to recruit@tms-advisors.com**
We often hear about right-sizing when the economy is not in its best form. But in reality, right-sizing is a discipline that works both in an expanding market and a contracting market. It’s all about having the right number of the right people in the room. As a CEO, you want to have the best people surrounding you who can actually contribute to formulating strategy. Joining David Lykken to talk about this are David Kittle, Howard Nathan and Stephen Chapman. Bringing in their unique perspectives as a CEO, a CFO, and a people expert, respectively, our three guests unpack several key topics that need to be addressed when it comes to right-sizing. Tune in and get a fresh perspective on the true impact of right-sizing from a leadership, financial, and human-cultural standpoint.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program withMarc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
CHECK OUT:
KNOWLEDGE COOP'S 2022 Continuing Education Is Now Available! The 10% discount code for the above events is: TMS2022**
September 26th- Houston https://knowledgecoop.swoogo.com/houston2022/begin
September 30th - Austin https://knowledgecoop.swoogo.com/austin2022/begin
MBA Annual Convention & Expo in Nashville Oct. 23-26Chief Compliance Officer position, this person can work remotely anywhere in the US. You can send your CV or resume to recruit@**This link is to read about FHFA’s review of the Federal Home Loan Bank System. Near the end of the article is a link that allows you to leave feedback.
Here is the link to the RHS Proposed Rule to provide Lenders authorization to underwrite loans
We all have consumer data that impacts how we are perceived financially. But how can consumers access that data and use it in their favor? Today's guest breaks down the process for us. Eric Lapin is the Chief Strategy Officer of FormFree, a market-leading technology company whose patented technology is building a more transparent and inclusive credit and capital market. What are they doing differently? They're enabling creditors and lenders to understand a borrower's true ability to pay. In this episode, he chats with host David Lykken as he explains how they're democratizing data, what borrower-permissioned data is, and what direct source means regarding your finances. He also walks you through the purchase transaction when FormFree is involved. Tune in to this episode for insights to help you make better credit decisions.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program withMarc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”. All the while Jack Nunnery who has a 38-year career in mortgage banking,and David will be expounding on each of the regular segments.
CHECK OUT:
KNOWLEDGE COOP'S 2022 Continuing Education Is Now Available! The 10% discount code for the above events is: TMS2022**
September 26th- Houston https://knowledgecoop.swoogo.com/houston2022/begin
September 30th - Austin https://knowledgecoop.swoogo.com/austin2022/begin
**MBA Annual Convention & Expo in Nashville Oct. 23-26
Buying and selling a home can be exciting and stressful. It’s a different experience every time. And who you work with plays an important role in how smooth and fast the process is going to take. On the show today, David Lykken and co-host Jack Nunnery are joined by Jeremy Foster, Chandra Srivastava, Jim Black, and Aaron Kirchner—a team of collaborative professionals who are here to talk about Calque and how its unique product model allows lenders and realtors to work in a more efficient capacity while providing homeowners a custom solution that enables them to make offers and buy and move into a new home before they sell their current one. Tune in and find out more about the buy-first solution.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program withMarc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”. All the while Jack Nunnery who has a 38-year career in mortgage banking,and David will be expounding on each of the regular segments.
CHECK OUT:
KNOWLEDGE COOP'S 2022 Continuing Education Is Now Available! The 10% discount code for the above events is: TMS2022**
September 26th- Houston https://knowledgecoop.swoogo.com/houston2022/begin
September 30th - Austin https://knowledgecoop.swoogo.com/austin2022/begin
MBA Annual Convention & Expo in Nashville Oct. 23-26**Fannie.Mae's CIO on Mortgage Lending's Digital Future, Technovation 697
We are having Jessica Peterson on the podcast this week with a very timely message to originators. She will tell our audience what people are saying to her, and what not to say as an originator.
Want to know more about Jessica Peterson?
Jessica is the founder of Simply WOW Agency, also a bestselling author, certified Business and Life Coach, published seven books, and TEDx speaker. After a 20-year career in the banking, mortgage, and financial world, Jessica stepped into her dream and created a company to provide a positive impact on people.
Jessica is a licensed Real Estate Agent and is creating a community of WOW Power Players who are all on a mission to WOW people, maximize income, and create a WOW life for themselves. Her training is called Lux Your Lifestyle.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program withMarc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”. All the while Jack Nunnery who has a 38-year career in mortgage banking,and David will be expounding on each of the regular segments.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program withMarc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”. All the while Jack Nunnery who has a 38-year career in mortgage banking,and David will be expounding on each of the regulars segments.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program withMarc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”. All the while Jack Nunnery who has a 38-year career in mortgage banking,and David will be expounding on each of the regulars segments.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by Alice Alvey of Union Home providing a regulatory & legislative update,then we wrap up the first half of the program with Allen Pollack giving us a Tech Report of the latest technology impacting our industry. All the while Jack Nunnery who has a 38-year career in mortgage banking, and David will be expounding on each of the regulars segments.
The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by Alice Alvey of Union Home providing a regulatory & legislative update,then we wrap up the first half of the program with Allen Pollack giving us a Tech Report of the latest technology impacting our industry. All the while Jack Nunnery who has a 38-year career in mortgage banking, and David will be expounding on each of the regulars segments.
In our Hot Topic this week we have Mike Haedrich, Senior Product Manager @ Finastra to discuss how a digital workflow requires you to align with a single solution provider & how easy is it to support an electronic signature solution.
Want to know more about Mike Haedrich?
Mike is a senior product manager at Finastra. Mike has been in the technology field for over 30 years supporting some of the world’s largest technology companies. Mike joined Finastra over four years ago and has been instrumental in developing the electronic signature strategy for their lending products. Mike has a Bachelor of Science degree in finance from the University of the Pacific.
The first half of the Lykken on Lending program will feature our Weekly Updates: we’ve got Adam DeSanctis with his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by Alice Alvey of Union Home providing a regulatory & legislative update,thenwe wrap up the first half of the program with Allen Pollack giving us a Tech Report of the latest technology impacting our industry.
In our podcast this week we will have our regulars on to have a Round Table Discussion on “The importance and/or power of HUMILITY in leadership, especially in times like what we are in today.”Notes: BOXABL CASITA – Accesory Dwelling Unit
The first half of the Lykken on Lending program will feature our Weekly Updates: we’ve got Adam DeSanctis with his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by Alice Alvey of Union Home providing a regulatory & legislative update, thenwe wrap up the first half of the program with Allen Pollack giving us a Tech Report of the latest technology impacting our industry.
The first half of the Lykken on Lending program will feature our Weekly Updates: we’ve got Adam DeSanctis with his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by Alice Alvey of Union Home providing a regulatory & legislative update,thenwe wrap up the first half of the program with Allen Pollack giving us a Tech Report of the latest technology impacting our industry.
In our episode this week we haveBrent Emler, Director of Sales @Lender Toolkit &Michael Whitbeck, CEO @BLUEPRINT here to discuss what the definition of a verified approval is and how is it different than a prequel, as well as what kind of edge they see a verified approval giving sales teams.
Want to know more aboutBrent Emler?
Brent Emler is the Director of Sales at Lender Toolkit, a leading mortgage technology firm focused on digitizing and automating the mortgage manufacturing process. Brent is committed to providing solutions to business problems by promoting curiosity, innovation, and exploiting technology solutions. Working with many of the largest lenders in the country affords Brent and the team at Lender Toolkit the opportunity to deliver cutting-edge technology solutions.
Want to know more about Michael Whitbeck
Creator and lead trainer of the "10 point process to almost perfect underwriting" system built using my 27+ years in the mortgage industry experience.
NEWS...."IT HAPPENED! Elon Musk's $10000 House FINALLY Hitting The Market"
In our SPECIAL EPISODE this week we have David H Stevens, CMB, CEO - Mountain Lake Consulting, Inc. here to discuss the ICE/Black Knight Merger, and how it will affect everyone concerned.
Want to know more aboutDavid H Stevens?
David H. Stevens CMB, (Dave) is the CEO of Mountain Lake Consulting, Inc. Dave is a 38-year veteran of the Mortgage Banking industry.
Dave previously served as the President and CEO of Mortgage Bankers Association (MBA) and prior to this role, Dave served as the US Assistant Secretary of Housing and Federal Housing Commissioner at HUD (US Department of Housing and Urban Development). Dave has served a variety of key industry leadership roles prior to his work in Washington including as President and Chief Operating Officer of the Long & Foster Real Estate Companies, Inc., Executive Vice President of Wholesale Lending at Wells Fargo Home Mortgage, and Senior Vice President in charge of Single-Family Lending at Freddie Mac, and Group Senior Vice President at World Savings Bank. Dave currently sits on the Board of real estate investment trust Dynex, Inc.
Dave works on advisory projects in real estate finance and provides technical and strategic consultation to financial institutions and intermediaries
In 2018 David was named Mortgage Professional Of The Year by National Mortgage Professional Magazine, has been named one of Bloomberg's 50 most powerful people in real estate, and Inman’s 100 top most influential leaders. He received the Founders Award from NAHREP in 2013. David is often cited in the media having appeared on CNBC, PBS, and Bloomberg TV and quoted in major media. He has testified before the US Senate and House of Representatives multiple times and continues to influence policymakers in Washington.
Dave received his CMB (Certified Mortgage Banker) designation in 2015 and holds a BA in Political Science from the University of Colorado at Boulder.
Opinion: The risk of ICE, Black Knight deal is in the dataLYKKEN ON LEADERSHIP PODCAST-David Stevens, CEO of MBA
In our SPECIAL EPISODE this week we have Ron Vaimberg, President of Ron Vaimberg International to discuss what he sees happening with originators given the significant slowdown in originations & how does someone deal with the uncertainty of a market like this one.
Want to know more about Ron Vaimberg?
Ron Vaimberg is recognized as one of the most requested, in-demand trainers and personal success coaches in the mortgage and real estate industry. He is the driving force and coach behind many of the nation’s top-producing loan officers, real estate professionals, and account executives.
Ron is often referred to as the “street trainer” in that his high-performance marketing, sales, and leadership strategies are easy to implement and produce rapid returns.
Ron’s key to success is that he provides solutions that work with anyone’s natural personality. With Ron, you don’t’ need to memorize unnatural scripts or become someone you are not. Ron’s strategies allow you to have more influence and control over your business and success while remaining true to who you are.
https://www.ronvaimberg.com/ultimate-originator-live/
In our Hot Topic this week David & Jack are gonna do a special podcast, talking about the economy where things are at with the latest trends on leadership, & how you should be leading your people? They are gonna gather around on the 4th of July and may have some barbecue going in the background somewhere.
The first half of the Lykken on Lending program will feature our Weekly Updates: we’ve got Adam DeSanctis with his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by Alice Alvey of Union Home providing a regulatory & legislative update,thenwe wrap up the first half of the program with Allen Pollack giving us a Tech Report of the latest technology impacting our industry.
In our Hot Topic this week we have Shane Westra, Chief Product Officer @ SimpleNexus & Jay Arneja, Group/Growth Product Management @ SimpleNexus to discuss how SimpleNexus approaches product development, as well as recent successes lenders, have had with eClose technology.
Want to know more about Shane Westra?
Shane Westra brings twenty years of product development leadership experience to his role as Chief Product Officer for SimpleNexus. His past roles in Silicon Valley and Utah’s local tech scene have helped companies such as Shutterstock, Workfront (Adobe), Pearson, and LexisNexis grow revenue and establish mature and scalable product development lifecycles. Westra holds a Master of Business Administration from Brigham Young University.
Want to know more about Jay Arneja?
Jay Arneja has spent her entire career digitizing and redesigning the mortgage closing and post-closing processes. Early on, she worked in correspondent and wholesale lending, where she specialized in Mortgage Electronic Registration System (MERS) administration for several organizations and ran the closing department of GreenPoint Mortgage’s highest-producing branch before the lender was purchased by Capital One. She later joined MERSCORP, where she spent more than a decade leading product teams, then went on to consult for Freddie Mac. Today, at SimpleNexus, Arneja is helping to usher in a new age of digital closings that scale back paperwork, get loans to funding faster, and emphasize borrower single sign-on convenience.
In our Hot Topic this week we have Stephen Epstein, CMO @ TRUE & Chief Marketing Officer at SoftWorks AI, Liz Long Adkins, Marketing Director @ Softworks AI, & Bob Noble, SVP of Products and Innovation @ Softworks AI to discuss with David how the launch of their rebranding is coming along.
Want to know more about Stephen Epstein?
As CMO at TRUE, Stephen is responsible for the firm’s go-to-market strategy and related functions, including branding, positioning, product marketing, and demand and lead generation.
Stephen brings over 20 years of marketing and product executive expertise and led these functions at industry leaders such as Mantas, Digital Reasoning, and Kasisto, with a deep knowledge of the financial services industry from his time at CDC Capital, JP Morgan, and Deutsche Bank. He has helped both fintech companies and global banking organizations flourish under his guidance.
Want to know more about Bob Noble?
As Senior VP of Product and Innovation, Bob is responsible for the direction and product roadmap of TRUE’s solutions. With over 30 years of experience in providing innovative technology for Fortune 250 financial services and mortgage companies, he is passionate about AI, process improvement, and automation, holding several patents in these areas.
Bob holds a Bachelor of Science in Mathematics and Computer Science from Stockton University, a Master of Science in Mathematics from Stanford University, and a Master of Science in Computer Engineering from North Carolina State University.
Want to know more about Liz Long Adkins?
Liz Long has over 9 years of experience working within the technology industry as a marketing professional. She now serves as the Marketing Director at TRUE, handling their omnichannel marketing campaigns driving brand awareness, product adoption, and customer retention. Prior to TRUE, Liz was the Senior Marketing Manager for the Americas at Thomson Reuters and the Global Marketing Manager for Digital Reasoning.
In our Hot Topic this week we have Christy Moss, Chief Customer Officer, FormFree, and Christina Zulueta Randolph, Sr. Director, Single-Family Strategy & Integrations, Freddie Mac to discuss Freddie Mac's announcement that lenders can now reverify employment with direct deposit data, as well as what FormFree is doing to help lenders take advantage of AIM for income using direct deposits.
Want to know more about Christy Moss?
Christy Moss, CMB, is the chief customer officer (CCO) at FormFree. As head of the company’s customer strategy, the 30-year mortgage industry veteran leads voice-of-customer initiatives across the organization and oversees sales.
Before joining FormFree, Moss spent 11 years at Fannie Mae (OTCMKTS: FNMA), where she played a critical role in advancing business initiatives in the post-crisis mortgage lending ecosystem. From 2015 to 2019, Moss focused on the driving lender and partner adoption of technologies that improve the borrower experience and lender profitability in her role as strategic business and relationship manager.
Moss has held advanced positions in the correspondent lending divisions of CitiMortgage (NYSE: C), Wachovia (NYSE: WB), and GE Capital Mortgage Services (NYSE: GE), where she gained an in-depth understanding of the primary and secondary mortgage markets. She has received numerous accolades for her contributions to housing finance and holds a bachelor’s degree in public relations from Georgia State University.
Direct Deposit Verification Solutions for Mortgage Companies & Lenders
Want to know more about Christina Zulueta Randolph?
Christina Randolph is a senior director of technology partnerships in Freddie Mac’s Single-Family Strategic Delivery, Data, Operations, and Technology division. She oversees software partner strategy across the origination technology continuum and is responsible for the distribution and optimization of Freddie Mac tools and capabilities within the software partner ecosystem.
Ms. Randolph has been with Freddie Mac for four years, focusing on increasing the adoption and utilization of digital offerings to lower origination costs, maximize operational efficiencies and improve the overall lending experience for clients and consumers. Her team also plays a critical role in surveilling the fintech landscape for partnership opportunities that will help lower risk and further digitize and automate once manual processes.
With almost 25 years of experience in both the mortgage and technology industries, she has held various roles in sales, operations, implementations, and product management at companies like Fannie Mae, FIS Global, PHH Mortgage, and Chase Home Loans. Her career has become dedicated to transforming the mortgage experience by bridging the gap between business processes and technology challenges.
IN THE NEWS:
Home Equity in America Hits Record $27.8 Trillion
The first half of the Lykken on Lending program will feature our Weekly Updates: we’ve got Adam DeSanctis with his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by Alice Alvey of Union Home providing a regulatory & legislative update,thenwe wrap up the first half of the program with Allen Pollack giving us a Tech Report of the latest technology impacting our industry.
The first half of the Lykken on Lending program will feature our Weekly Updates: we’ve got Adam DeSanctis with his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by Alice Alvey of Union Home providing a regulatory & legislative update,thenwe wrap up the first half of the program with Allen Pollack giving us a Tech Report of the latest technology impacting our industry.
In our Hot Topic this week we have Brendon Weiss, Brendon Weiss is a Co-Founder of EscrowTab, and Amy Moses, Vice President, Marketing & Communications @ EscrowTab to discuss a fairly new company called EscrowTab that they started. Find out what is EscrowTab bringing to the market that lenders and title agencies haven’t experienced yet?
Want to know more about Brendon Weiss?
Brendon Weiss is a Co-Founder of EscrowTab. EscrowTab provides title companies and lenders a software solution to close loans electronically nationwide using its in-person electronic notarization (IPEN) solution.
Prior to becoming a co-founder of EscrowTab, Weiss focused on numerous endeavors centered around business development and operations within the capital markets and mortgage industries. As Chief Operating Officer at MERSCORP and Head of Business Development at ICE Mortgage Technology, he oversaw the system migration of MERS to ICE Data Centers and led initiatives to accelerate the industry’s transition to eMortgages, leading to the largest increase in eNote adoption since their inception.
Weiss is the founder of Acta Strategies, a capital markets, and mortgage advisory firm; a Board Member of PJ Operation, a loan processing firm; and Co-Founder of Axis Lending Academy, a non-profit created to educate, and train, and place diverse candidates within the lending industry.
Weiss began his career in government working on Capitol Hill and at the U.S. Securities and Exchange Commission, before joining the New York Stock Exchange in 2010. He received his MBA from the University of Maryland Robert H. Smith School of Business and his B.A. from Northern Michigan University.
Want to know more about Amy Moses?
Amy Moses is Vice President, Marketing and Communications at EscrowTab, where she’s introducing a new angle of digital closing simplicity for lenders and title companies. EscrowTab provides title companies and lenders a software solution to close loans electronically nationwide using its in-person electronic notarization (IPEN) solution.
The first half of the Lykken on Lending program will feature our Weekly Updates: we’ve got Adam DeSanctis with his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by Alice Alvey of Union Home providing a regulatory & legislative update,thenwe wrap up the first half of the program with Allen Pollack giving us a Tech Report of the latest technology impacting our industry.
In our Hot Topic this week we have John Weinkowitz,(WAYNE-KO-WITZ) Global Head, Product Marketing for Universal Banking @ Finastra discussing how “Transformation” means many things, so creating the right vision is the key, and “Transformation = Change”, as well as the “transformational divide” is a real thing, and finally how the “Transformational business drivers” in banking have changed yet remained the same.
In our Hot Topic this week we have John David Mann, coauthor of more than 30 books, including four New York Times bestsellers and five national bestsellers & Ana Gabriel Mann, Psychotherapist, coach, teacher, speaker, meditator, and co-author of The Go-Giver Marriage. They're a husband, wife team. Most of you probably have heard of the book series, “The Go-Giver”. This is a book series that John David Mann has written along with Bob Burg, and there are very, very well-read; best-sellers all the way around, but I connected with them and so I'm excited to talk about all of these books!!
The first half of the Lykken on Lending program will feature our Weekly Updates....to read more info about our regulars and weekly updates go to our website!
In our Hot Topic this week we have Andria Lightfoot as Chief Customer Officer @ SimpleNexus & Selene Kellam as Chief Operating Officer @ Thrive Mortgage LLC will discuss with David some exciting things that are relevant to what's going on in the industry. As well as some of the hot trends that are coming and what they think people are feeling is going to be a barrier, they have got a lot of bullish predictions coming up!!
Click here to read more about this episode!!
In our Hot Topic this week we have David G. Kittle, Chief Executive Officer @ Cypress Mortgage Capital & Jack Nunnery & David in a Round Table discussion to discuss what needs to happen to cut costs sufficiently, tune into this podcast to learn how leaders in the industry are proposing to help work thru this struggle.
To read more on this episode click here!!
The first half of the Lykken on Lending program will feature our Weekly Updates....to read more info about our regulars and weekly updates go to our website!
In our Hot Topic this week we have Josh Lehr, Senior Director, Partnerships & Industry Technology at Total Expert to discuss what challenges loan officers face right now & because loan officer recruitment is a huge focus currently what the impact of loan officer turnover is. As well as, what elements of the LO role can be automated to not only free up time but to drive more opportunities for loan officers.
To read more about this podcast click here!!
The first half of the Lykken on Lending program will feature our Weekly Updates....to read more info about our regulars and weekly updates go to our website!
The first half of the Lykken on Lending program will feature our Weekly Updates....to read more info about our regulars and weekly updates go to our website!
In our Hot Topic this week we have Kristin Messerli, VP Strategy, Financial Services @ Experience.com to discuss some of the strategies that top-performing loan officers shared that differentiated them from others in their customer experience, as well as some of the characteristics of the next-gen homebuyer from the NextGen Homebuyer Report.
To read more on this episode click here!
The first half of the Lykken on Lending program will feature our Weekly Updates....to read more info about our regulars and weekly updates go to our website!
In our Hot Topic this week we have Troy Anderson, Director of Mortgage & Lending Solution Sales @ Finastra to discuss whether financial institutions are becoming more of a one-stop-shop for mortgages and why!
And as far as all of Finastra's technology components whether it's, the customer experience when they're not even a customer yet all the way through, managing that through the core process with their solution. But as far as the LOS goes they are focusing on their mortgage bot which is end-to-end. And this is really their thoughts around, the end-to-end piece, as it stands with working for componentized platforms in the past, where you have multiple integrations, that fingers could be pointed. So as far as the five things to consider as far as the end-to-end option goes the real value. And VALUE is brought up a lot because feature functions ultimately result in some type of value. Some of them don't, some of them might just be widgets that may demo well. And you're like, this is great, but it really doesn't provide that much value. And they have seen that when they have been doing demonstrations, they wouldn't really focus on that too much, it might be cool, but it doesn't have as much value as some of these other things. So the end-to-end process value there is basically one vendor and one support path and what that amounts to is efficiency results!
To read more on this podcast click here!!
The first half of the Lykken on Lending program will feature our Weekly Updates....to read more info about our regulars and weekly updates go to our website!
In this SPECIAL PROGRAM, David Lykken sits down with Taylor Ellard, National Project Specialist @ Atlantic Bay Mortgage Group, as well as the host of the podcast Lending Foreward, to discuss all things podcast!!
Should you start a podcast? Should a company start a podcast as an originator? That is some of the questions we will address in this episode.
Taylor’s been in the lending world for about seven years now and landed at home at Atlantic Bay Mortgage Group. And as they have thrived, they knew they had a need for a podcast and she was excited to take on that task!!
Lending Forward is a weekly podcast hosted by Taylor Ellard and powered by Atlantic Bay Mortgage Group. They bring you raw stories from real people in the mortgage industry. They are covering what’s next in lending, forward-thinking, and reflecting on lessons learned from Mortgage Bankers, Realtors, Financial Advisors, Coaches, and more! How are you lending it forward?
Click here to read more about this podcast click here!!
The first half of the Lykken on Lending program will feature our Weekly Updates....to read more info about our regulars and weekly updates go to our website!
In our Hot Topic this week we have Brian Montgomery, Founding Partner @ Gate House Strategies LLC to discuss why is it taking so long to get the FHA Commissioner and other HUD nominees confirmed and why it’s been tough for first-time homebuyers for some time now.
To read more on this episode click here!
The first half of the Lykken on Lending program will feature our Weekly Updates....to read more info about our regulars and weekly updates go to our website!
In our Hot Topic this week we have Jack Konyk, Executive Director of Government Affairs @ Weiner Brodsky Kider PC to discuss what changes in DC that the new Administration made in leadership of the various federal agencies that impact mortgage lending, and what effects have those changes seem to have had? As well as what, if anything, are we likely to see from this Congress in terms of new legislation affecting the industry, and what might the outcome of the upcoming election be on the likelihood of such things in the next Congress? And finally, what are some of the things that lenders should be concentrating on in order to best position themselves to minimize their regulatory risk?
To read more on this podcast click here!!
In this SPECIAL PROGRAM, David Lykken sits down with Ken Perry, CEO & President of the Knowledge Coop to discuss why Knowledge Coop does what they do, the growth Knowledge Coop experienced as a company, as well as the new community launching on 4/!!
The Knowledge Coop has a brand new look and platform that brings you more value than ever before. Now, not only will you be able to enjoy our critically acclaimed CE courses, but you'll have access to a community of industry leaders, compliance resources, and mortgage training that will revolutionize the way you do business. Got to “Try the Coop” to check it out!!
To read more about this podcast click here!!
In our Hot Topic this week we have Briana Ings, Vice President of Product at Snapdocs to talk about a new product; that will reduce errors and QC costs for lenders by automatically QCing documents for errors on every closing and packaging the documents for investor delivery, specifically in the context of how important increasing operational efficiency is in light of the current macro mortgage trends.
So to hear more you won't want to miss this show!!
The first half of the Lykken on Lending program will feature our Weekly Updates....to read more info about our regulars and weekly updates go to our website!
The first half of the Lykken on Lending program will feature our Weekly Updates....to read more info about our regulars and weekly updates go to our website!
In our Hot Topic this week we have Lori Brewer, EVP & General Manager SimpleNexus
on the program to discusshow SimpleNexus was recently rebranded LimeGear as Nexus Vision as well as delving into, what inspired her to develop a business intelligence solution for mortgage lenders.
It's data visualization at its finest and when you can get it in the hands of the people that need it and when they need it produces a fantastic solution for management!
To read more about this episode click here!!
The first half of the Lykken on Lending program will feature our Weekly Updates....to read more info about our regulars and weekly updates go to our website!
The first half of the Lykken on Lending program will feature our Weekly Updates....to read more info about our regulars and weekly updates go to our website!
The first half of the Lykken on Lending program will feature our Weekly Updates....to read more info about our regulars and weekly updates go to our website!
The first half of the Lykken on Lending program will feature our Weekly Updates....to read more info about our regulars and weekly updates go to our website!
In this Special Episode we have Russ Anderson, & Jack Nunnery, both retired from mortgage banking and still stay very much up on all that is going on in the mortgage world….
They will continue their discussion on why banks see this as a real advantage and also how it's just a really great symbiotic relationship.
To read more about this episode click here!!
The first half of the Lykken on Lending program will feature our Weekly Updates....to read more info about our regulars and weekly updates go to our website!
In this SPECIAL PROGRAM, David Lykken sits down with Allan Weiss is founder and CEO of Weiss Analytics
In this interview, you will hear David and Allen talk about how the great migration is driving markets and transactions!!
To read more about this podcast click here!!
In our Hot Topic this week we have Rich Swerbinsky, President & Chief Operating Officer at The Mortgage Collaborative on the program to discuss what they are seeing the mortgage industry doing………
A complete 180 in terms of the type of business climate they are now close to two years of record production, massive amounts of refinancing activity, 30 year fixed rates, and the low to mid twos throughout all of that. And for lenders, it is really just about executing their pipeline and then managing some of the pandemic-related changes, like work from home and some of the changing borrower-related demands that went along with that. Now as they get into the new year, they have seen 30 year fixed rates, interest rates have jumped up to their highest levels in over two years, the refinance volume has dropped and lenders are hyper-focused on the future of their business. Automation, technology, partners M & A; either growth or in some cases looking to be maybe merged or folded in with another organization just the automation of tasks in general. It is mind-boggling how human the mortgage industry and the mortgage manufacturing process still is, really? And the pandemics had a lot to do with it!
Want to read more about the episode click here!
The first half of the Lykken on Lending program will feature our Weekly Updates....to read more info about our regulars and weekly updates go to our website!
In our Hot Topic this week we have Stephen Chapman on the program to give us his take on organizational health and how it will help your business. Steven is an internal consultant at Allstate and is passionate about organizational health and what organizational health is and doing whatever they can do to help have as much of that in an organization as possible!
Want to know more aboutStephen Chapman?
Want to read more on this episode click here!!
The first half of the Lykken on Lending program will feature our Weekly Updates....to read more info about our regulars and weekly updates go to our website!
The first half of the Lykken on Lending program will feature our Weekly Updates....to read more info about our regulars and weekly updates go to our website!
In our Hot Topic this week we have Cathleen Schreiner Gates on the program to discuss how SimpleNexus was recently acquired by nCino, a publicly-traded company and worldwide leader in cloud banking and what opportunities are created by the combination of these companies, and how do lenders stand to gain.
Want to know more aboutCathleen Schreiner Gates?
Want to read more about this episode, click here!!
In this SPECIAL PROGRAM, David Lykken sits down with Alec HANSONSVP, Division Manager @ loanDepot | Modern Lending Podcast Host 🎤
In this interview, you will hear David and Alec talk about communication and podcasting.
As you listen to this important and timely interview, you will gain insights as to why internal company podcasting is gigantically important as well as how important it is to be focused on who your audience is. With podcasting we are driving influence and creating connection, we will help you understand the ripple effect that you're having. He really feels that part of leadership is being in the trenches and continuing to learn and staying relevant and coaching alongside people and learning alongside people. Sometimes to him, coaching is just doing something with somebody that you might not know yourself because it's just being in the trenches. There's no secret paywall, let's just all get better together and have some fun!
To read more about this episode click here!!
The first half of the Lykken on Lending program will feature our Weekly Updates....to read more info about our regulars and weekly updates go to our website!
In our Hot Topic this week we have Whitney Nelson on the program to discuss what the root cause of people problems within an organization is as well as explain why connection and community in the workplace are important and how do you achieve it.
Want to know more aboutWhitney Nelson?
Want to know more about this podcast click here!
In our Hot Topic this week we have Julian Lumpkin on the program to give us his take on how to increase your close rates NOW? How you can close more deals by introducing real social proof into your sales cycles. As well as showing your prospects real stories and results with Case Studies and Testimonials.
The most effective way to reach your audience is not through your own words, it's through the words of your clients! You need customer stories - written and video formats! If you aren’t getting these done yourself, check out SuccessKit.io to see how they can handle it for you!
To read more about this week's podcast click here!!
The first half of the Lykken on Lending program will feature our Weekly Updates....to read more info about our regulars and weekly updates go to our website!
The first half of the Lykken on Lending program will feature our Weekly Updates....to read more info about our regulars and weekly updates go to our website!
In our Hot Topic this week we have Shayna Arrington, Chief Compliance Officer at The Money Source Inc on the program to discuss some of the hot topics that TMS is hearing about as it relates to mortgage services that we are facing, especially as we look into 2022.
Keep in mind that the regulatory environment around COVID relief is still changing rapidly, especially at the state and the local level, meaning that there are still state legislatures and executives out there. And local governments that are putting out new guidance. What seems like daily, especially if you do business as they do in all 50 states and they are trying to keep up. And so they are constantly monitoring what's going on at the state and local level to make sure that they are staying on top of things like foreclosure protection, housing assistance fund programs, as those go live in all 50 states, and any other relief measures around COVID that are continuing to evolve.
So you will want to tune in to make sure you are all up to date with all the compliance rules!!
Click here to get more info on this episode!!
In our Hot Topic this week we have Joe Rojas, on the program to tell us about his company RedSapiens as well as about a new company that he is the Chief Executive Officer of called Start Grow Manage. They help IT companies become better IT companies!! As well as helping entrepreneurs become better at whatever they want to thrive to do.
So if you are an entrepreneur or a solopreneur you won't want to miss this podcast!!
Interestingly enough, prior to this, he ended up getting a biomedical engineering job without a biomedical engineering degree, which he shares all about.
To read more about this podcast click here!!
The first half of the Lykken on Lending program will feature our Weekly Updates....to read more info about our regulars and weekly updates go to our website!
The first half of the Lykken on Lending program will feature our Weekly Updates....to read more info about our regulars and weekly updates go to our website!
In our Hot Topic this week we have Ben Teerlink, CEO/Founder atMobilityMMI &MobilityRE on the program to talk about some of the trends that he's seeing with the data and how LO'S and originators are using his technology to more effectively connect with the purchase side of the business.
A lot of lenders, as well as mortgage loan originators, are working off of credit pole alerts; and that's one way to do that, but his system is going to be much more effective; and we will hear all about that!!
In our Hot Topic this week we have Debbie Wemyss, Founder DW Consulting Solutions, LLC on the program to help people with their LinkedIn profiles. I think this is such an important topic because more and more investors, employers are going to LinkedIn looking for your background, and your experience. And I think it's so important how you tell your story. To be honest with you folks, if you look at most of the LinkedIn profiles out there, this is not being told well!
Want to know more about Debbie Wemyss?
Want to read more about this episode, click here!!
The first half of the Lykken on Lending program will feature our Weekly Updates....to read more info about our regulars and weekly updates go to our website!
In our Hot Topic this week we have Odeta Kushi, Deputy Chief Economist at First American Financial Corporation on the program to discuss a special focus on the millennials and homeownership.
She was born and raised in Albania, moved to the US upstate New York when she was about seven years old. And she has actually always been just fascinated and interested in housing, homeownership as kind of part of that American dream. So she studied economics and really liked statistics. So she learned that statistics are so important in analyzing economic trends and just really developed an interest in real estate and housing and homeownership and also those demographics are just so important in housing, and being able to forecast what's going to happen in the housing market.
To read more about this week's podcast click here!!
The first half of the Lykken on Lending program will feature our Weekly Updates....to read more info about our regulars and weekly updates go to our website!
In our Hot Topic this week we have Brent Emler, Director of Sales @ Lender Toolkit & Keri Rogers, SVP of Strategic Planning @ Lennar Mortgage on the program to discuss the intangible benefits lenders gain from adopting a culture of change and automation?
Want to read more about this weeks episode click here!!
The first half of the Lykken on Lending program will feature our Weekly Updates....to read more info about our regulars and weekly updates go to our website!
How are you improving your Mortgage Business and Team?
As things are quickly changing in the world, we have Dale Larson Jr. and Dale Larson III as our guests in the Hot Topic to talk about data accessibility and how it is enhancing recruiting and industry transparency in 2022 and beyond!
Want to know more about Modex?
Want to know more about Dale Larson III, Founder & CEO at Modex, & Dale Larson Jr, Founder, Partner, and Investor?
Do you want to read more about this episode click here!!
The first half of the Lykken on Lending program will feature our Weekly Updates....to read more info about our regulars and weekly updates go to our website!
The first half of the Lykken on Lending program will feature our Weekly Updates....to read more info about our regulars and weekly updates go to our website!
In our Hot Topic this week we have Peter Paglia on the program to discuss how HomeBinder is helping lenders become more valuable to their referral partners.
Want to know more aboutPeter Paglia?
To read more about this episode click here!!
The first half of the Lykken on Lending program will feature our Weekly Updates....to read more info about our regulars and weekly updates go to our website!
In our Hot Topic this week we have Nick Belenky on the program to talk with us about the forecasted decline in refinance volume & what marketing strategies lenders can employ to succeed in 2022…..
Want to know more aboutNick Belenky?
Want to read more about this episode click here!!
The first half of the Lykken on Lending program will feature our Weekly Updates....to read more info about our regulars and weekly updates go to our website!
In our Hot Topic this week we have Kimberly Nichols on the program to give us an update on Diversity and Inclusion in the mortgage industry workspace!!
Want to know more aboutKimberly Nichols?
Want to read more about this podcast click here!!
The first half of the Lykken on Lending program will feature our Weekly Updates....to read more info about our regulars and weekly updates go to our website!
In our Hot Topic segment this week we've got Michael Fratantoni on the program to give us his Economic Forecast and highlights of what he presented at the MBA ANNUAL21!!
You won't want to miss this program!
More about Michael Fratantoni.........
Want to read more on this podcast episode click here!!
The first half of the Lykken on Lending program will feature our Weekly Updates....to read more info about our regulars and weekly updates go to our website!
In our Hot Topic today we've got Marina B. Walsh, here to discuss changes in the IMB's this year; while at the MBA Annual21 conference at San Diego Convention Center, San Diego, CA....
Marina B. Walsh, CMB Vice President, Industry Analysis Research and Economics @ MBA
Read more about this podcast here.....
In our Hot Topic this week we have Christy Moss, CMB, Head of Sales and Marketing @ FORMFREE
The discussion will focus on a new program to help borrowers benefit from positive rent payment history.
Want to know more aboutChristy Moss?
Click here to read more on this podcast!!
The first half of the Lykken on Lending program will feature our Weekly Updates....to read more info about our regulars and weekly updates go to our website!
In our Hot Topic this week we have Karen Jenkins, Senior Product Manager @ Finastra.
The discussion will focus on what digital transformation means to Finastra & much much more!!
Want to know more aboutKaren Jenkins?
Click here to find out more on this podcast....
The first half of the Lykken on Lending program will feature our Weekly Updates....to read more info about our regulars and weekly updates go to our website!
In our Hot Topic this week we have Rick Toma, Chief Operating Officer at The Money Source Inc.
The discussion will focus on a Compliance Management System; how to get mortgage quality control assistance…. Compliance is to mortgage servicers what structural integrity is to homes. Without a compliant foundation, servicers’ integrity is thrown into doubt, and repairing the problem can happen only at great expense.
Want to know more aboutRick Toma?
Read on here for more info on this podcast...
The first half of the Lykken on Lending program will feature our Weekly Updates....to read more info about our regulars and weekly updates go to our website!
In our Hot Topic this week we have Taylor Stork,Certified Mortgage Banker, Chief Operating Officer at Developer's Mortgage Company
The discussion will focus on servicing regulations and mortgage environment changes post-covid.
Want to know more aboutTaylor Stork?
Want to read more about today's podcast click here!!
The first half of the Lykken on Lending program will feature our Weekly Updates....to read more info about our regulars and weekly updates go to our website!
The first half of the Lykken on Lending program will feature our Weekly Updates....to read more info about our regulars and weekly updates go to our website!
In our Hot Topic this week we have Vishal Rana, Vice President Customer Success & Operations @ Snapdocs.
The discussion will focus on what providing exceptional customer success looks like...
Want to know more aboutVishal Rana?
If you want to learn more about today's podcast click here!!
In our Hot Topic this week we have Tony Caico founder & president of Affinity Five
Click to Listen Live Monday, at 12pm (central) or call (646) 716-4972 to listen live!
The discussion will focus on finding out if you are in a job/career that aligns with your skillset, dreams, and purpose….
Click here to learn more about this podcast....
The first half of the Lykken on Lending program will feature our Weekly Updates....to read more info about our regulars and weekly updates go to our website!
In this episode of Lykken on Lending we have Steven Cooley, Founder and CEO of Art Vs. Math
Steven will discuss with us ........ Marketing Business Intelligence and how marketing is really the underlying thing that you're trying to achieve....
Want to know more about Art Vs. Math?
To read more on this episode, click here!!
The first half of the Lykken on Lending program will feature our Weekly Updates....to read more info about our regulars and weekly updates go to our website!
In our Hot Topic this week we have Faith Howard-Mooney, VP of Member Engagement at The Mortgage Collaborative.
The discussion will focus on “The Power of the Network” (Who does TMC support and their current growth)...
To read more about our guest today, click here!!
The first half of the Lykken on Lending program will feature our Weekly Updates....to read more info about our regulars and weekly updates go to our website!
In our Hot Topic this week we have Dr Paul White, Best-Selling Author, Keynote Speaker, Leadership Trainer, Psychologist.
The discussion will focus on employee recognition and authentic employee appreciation in the workplace.
Want to know more aboutDr Paul White?
Read more on the Lykken on Lending website, here...
The first half of the Lykken on Lending program will feature our Weekly Updates....to read more info about our regulars and weekly updates go to our website!
In our Hot Topic this week we have Wayne King founder of Encompass Lending Group & Taylor Stork Chief Operating Officer at Developer's Mortgage Company
The discussion will focus on the Lenders One Conference and all it offers the mortgage industry.
Want to read more, click here...
The first half of the Lykken on Lending program will feature our Weekly Updates....to read more info about our regulars and weekly updates go to our website!
In our Hot Topic this week we have Ken Perry, President/CEO at The Knowledge Coop
The discussion will focus on the new administration’s focus on fair housing and lending!!
Want to know more about Ken Perry?
Click Here to read on....
The first half of the Lykken on Lending program will feature our Weekly Updates....to read more info about our regulars and weekly updates go to our website!
In our Hot Topic this week we have BRENT CHANDLER, Founder and CEO @ FormFree
When FORMFREE entered the business of capturing data, it became really apparent that the consumer was the common denominator in the loan. The consumer was the risk factor in the loan and the consumer was that really the important element to understanding whether or not a loan could be provided; and in the industry, there's an old Reaganomics, statement “trust, but verify” and in doing that we were effectively capturing the book of record or what we call the source data… listen to today's Hot Topic to find out more on why this is important to the mortgage industry!!
Read on to find out more here!
The first half of the Lykken on Lending program will feature our Weekly Updates....to read more info about our regulars and weekly updates go to our website!
The first half of the Lykken on Lending program will feature our Weekly Updates....to read more info about our regulars and weekly updates go to our website!
In our Hot Topic this week we have Will Robinson, CEO of Encapture
Today we have an interview about work-life balance, we're going to be talking about why employee experience is key to today's lending market. Enhancing the work-life balance; we often use the phrase, "Thank God. It's Monday", "TGIM" and "TGIT", "Thank God. It's Tuesday", and all the way throughout the week. At least that's the culture that we hope to create within our clients. We should have great work environments that are so positive and enjoyable. Today we will learn how to create a superb employee experience a work-life balance and technologies such as Encapture.
To contine to read about todays podcast click here!!
The first half of the Lykken on Lending program will feature our Weekly Updates....to read more info about our regulars and weekly updates go to our website!
In our Hot Topic this week we have Dr. Cindy McGovern, CEO at Orange Leaf Consulting
The discussion will focus on SALES and HOW SALES IS LIFE SKILL!!
Want to know more about Orange Leaf Consulting…..
Whether starting a new business or running a company that has been around for decades, helping it grow is like planting a tree.
Sometimes doing the things you need to do to RUN your business leaves precious little time to manage its growth. You’ve planted your tree….but is it growing to its full
To read more about todays episode and guest click here!!
In our Hot Topic this week we have Ben Teerlink,CEO/Founder at MobilityMMI & MobilityRE....
The discussion will focus on Mobility’s Market Intelligence product and how they became the leader in mobile real estate technology, more specifically how LO’s are using their new technology to connect with the purchase side of their business!!
Want to know more aboutBen Teerlink?
Ben Teerlink,CEO/Founder at MobilityMMI & MobilityRE
Having been in real estate for years prior, as well as having earned multiple top producer recognitions, Ben was looking for a way to improve and enhance the mobile technology he could offer both his clients and potential new clients in the local real estate market.
To read more about this episode click here!!
The first half of the Lykken on Lending program will feature our Weekly Updates....to read more info about our regulars and weekly updates go to our website!!
The first half of the Lykken on Lending program will feature our Weekly Updates....to read more info about our regulars and weekly updates go to our website!
As soon as SCOTUS's the (Supreme Court of the United States) issued the rulings on the director of FHFA my phone blew up and Kim Schubert with Freddie Mac, she's been a long-time listener and supporter of our podcast, really appreciate her. She asked if we were going to have Mitch Kider, come on to talk about that ruling. And so we have recorded an interview with Mitch Kider about the recent Supreme court ruling.
To read more about this article click here!!
The mortgage industry is increasingly complex and competitive. Lenders One® provides the support that helps you grow today and takes your business to the next level tomorrow.
With all that's going on in the mortgage industry as we and see the changes that have been implemented, we're excited to bring on Justin Demola to gain his perspective for what's taking shape in this new economic environment!
Lenders One is a mortgage cooperative that helps independent mortgage bankers operate competitively within the industry, and efficiently within their community. They are a one-stop resource for independent mortgage bankers, providing the resources and expertise to help each shop operate at maximum efficiency regardless of market cycle. They expect, understand, negotiate and deliver the services, partnerships and opportunities that help drive our member businesses forward. They help their Members: Increase Revenue Improve Efficiency, Decrease Expenses, Network and make connections, Boost the effectiveness and sales efforts, as well as Access training and education sources.
Justin Demola is Vice President of Sales at Lenders One Mortgage Cooperative, and he will be our guest in the Hot Topic segment!
To read more about this show click here!!
In today's Hot Topic we're excited to have Josh Friend, Founder and CEO of Insellerate......on the podcast to discuss the current state of the mortgage industry and why customer experience is the next major competitive advantage for lenders.
Want to know more aboutJosh Friend, Founder and CEO of Insellerate??
Josh is a seasoned entrepreneur whose impact on the mortgage industry at large is unmistakable from his early days of working at a mortgage company, to rising the ranks, to running a mortgage company; he has helped thousands of people realize the dream of homeownership, has trained 1,000's of loan officers that are directly affecting hundreds of thousands of borrowers if not millions over his 21-year career. Josh now dedicates himself solely to helping other lenders be more successful through better borrower engagement.
To read more about Josh and Insellerate click here!!!
The first half of the Lykken on Lending program will feature our Weekly Updates....to read more info about our regulars and weekly updates go to our website!
Hot Topic Guest's:Camelia Martin, Head of Industry & Regulatory Affairs & Amy Moses, Senior Field Marketing Managerof Snapdocs
Powering the perfect mortgage closing……..
Snapdocs powers homeownership. Using technology, they are building the connective tissue for an entire pillar of the U.S. economy: residential real estate.
Today, they are working to perfect mortgage closings, but that’s only the beginning. If they succeed, over five million families per year will gain clarity and transparency as they make the biggest financial decision of their lives: buying a home.
Want to know more about this episode click here!!!
The first half of the Lykken on Lending program will feature our Weekly Updates....to read more info about our regulars and weekly updates go to our website!
Want to know more about Atlantic Bay Mortgage Group?
Founded in 1996, Atlantic Bay Mortgage Group® is a privately owned mortgage lender headquartered in Virginia Beach, Va. Atlantic Bay has been recognized as a Top 100 Mortgage Company in America, Best Mortgage Company, Most Enjoyable Place to Work, and an Inc. 500 Fastest Growing Company. Through its AB Cares program, the company has donated more than $2 million to charities and participated in events that promote the passions of our customers, employees and neighbors. For more information, visit the company’s website www.atlanticbay.com.
Want to know more aboutEmily Farley?
Emily Farley, Chief Lending Officer at Atlantic Bay Mortgage Group
To read more about this podcast article click here!!
The first half of the Lykken on Lending program will feature our Weekly Updates....to read more info about our regulars and weekly updates go to our website!
Whether you are looking for a correspondent or a sub-servicing lender...
The Money Source Inc. approaches every customer relationship with the expertise that we see as the cornerstone of meaningful relationships….
TMS is a national company on a mission to help #GrowHappiness!!!
TMS Subservicing may be that one Top 10 sub-servicer you’ve never heard of or know little about. As a former originator for years, we’ve spent most of the past decade totally focused on the Sub-servicing experience. Having that insight into originations has served us well in providing the customer service we’re known for, the technology we’ve developed, and the products we’ve created.
Want to know more aboutJason Kwasny?
Jason Kwasny, Executive Vice President of “The Money Source” - Servicing
To read more about this episode click here.
The first half of the Lykken on Lending program will feature our Weekly Updates....to read more info about our regulars and weekly updates go to our website!
The first half of the Lykken on Lending program will feature our Weekly Updates....to read more info about our regulars and weekly updates go to our website!
In this episode of Lykken on Lending we have Steven Cooley, Founder and CEO of Art Vs. Math
To discuss with us ........"What does Disruption" really mean and what should mortgage tech be doing with their digital marketing?
Want to know more aboutSteven Cooley?
Steven Cooley, Founder and CEO of Art Vs. Math
Steven Cooley is the Founder and CEO of Art Vs. Math LLC. Art Vs. Math is a hyper creative marketing technology company and consultancy focused on the mortgage industry.
To continue reading on about this podcast, click here!!
K Launch Text Messaging Optimization Serves Banking and Mortgage End-Market!
K Launch is thrilled to bring experiential messaging to the mortgage lending space in collaboration with SupportLink3. They facilitate that for mortgage lenders through personalized messaging and by creating an immersive experience that serves as a process and expectations guide for borrowers throughout the home buying process."
K Launch, a subsidiary of the global communication software company, Kerauno, is headquartered in Indianapolis, Indiana. K Launch provides turnkey managed text solutions that deliver tangible outcomes through experiential, personalized, and immersive text messaging campaigns. K Launch builds valuable relationships through fully managed text engagement services and text messaging optimization for B2B and B2C companies, government agencies, and nonprofits. The firm uses proprietary communication practices, methodologies, the science of words, data and AI bot technology proven to build relationships and increase revenue. For more information, visit klaunch.io or text “K Launch” to 55433.
Want to know more about Joseph Melillo?
Read more on our website about this podcast....
The first half of the Lykken on Lending program will feature our Weekly Updates....to read more info about our regulars and weekly updates go to our website!
The first half of the Lykken on Lending program will feature our Weekly Updates....to read more info about our regulars and weekly updates click here!
What is the simple definition of Strategy, Leadership, and Culture? Listen to the hot topic and find out!!
Want to know what MBS provides??
……..Advisory Services in the most complex and essential areas of Mortgage Finance across the country and around the world. The key to their success is over 300 combined years of hands-on practical experience building companies from inception and managing them through maturity.
Want to know more aboutDr. Andy Schell?
Dr. Andy Schell, CEO, Managing Partner, & Co-Founder of Mortgage Banking Solutions and MBS Financial Services ("MBS")
Dr. Schell is an expert in the design and implementation of strategy, with experience creating multiple national companies and directing the activities of hundreds of employees.
Read more to find out more about today's podcast...
What does automating middle-office mortgage operations mean?
Want to know what Indecomm’s vision and framework for automation is??
With more than 25 years in the mortgage industry, Indecomm has seen it all.
Regulatory and compliance changes. Market upturns, downturns, and then rebounds. Revolutionary technology that continues at a rapid pace.
Through it all, large and mid-sized lenders, services, mortgage insurers, and title companies have relied on Indecomm to help them succeed and grow.
At Indecomm, they develop automation technologies and software solely for improving the mortgage process life-cycle!
Want to know more about our guest's today Linda Bomar & Rachael Harris......
To continue reading this article, click here!!
What if there was a better way to measure a consumer's ability to repay a loan?
It's an exciting time for innovation in mortgage technology, and the greatest impact is in the area of implementing Artificial Intelligence!
FormFree is an industry leading lending technology that incorporates Artificial Intelligence as a tool to drastically transform how loans are made.
We invited the Senior Research Scientist, Dr. Michael Covington, to talk to us about what his team is doing in the area of Artificial Intelligence at FormFree.
Want to know more about Dr. Michael Covington?
Read more...
In our new series on “Leadership” we have invited Joe DeDominicis to join the podcast in order to discuss his experience as one of the leaders in the mortgage industry & what is the NEXT evolution of technology in the mortgage industry??
Joe DeDominicis, Chief Financial Officer/Chief Technology Officer at Nations Reliable Lending, LLC
Joe leads the Accounting, Treasury, Finance, Information Technology, and Compliance activities at NRL Mortgage. He began his mortgage banking career over 30 years ago and has held senior leadership roles with First Franklin, Clayton Holdings, FirstCity, SN Servicing, National City and Vantium Capital. Joe brings a unique combination of skills and experience, combining accounting and finance, risk management, operations, and portfolio management. He is a member of the National Mortgage Bankers Association and lives in the Houston area with his wife and three daughters. Joe completed his bachelor’s degree in accounting at the University of Maryland at College Park and is a licensed CPA (inactive).
To continue reading click the Article here!!....
The first half of the Lykken on Lending program will feature our Weekly Updates: we’ve got Rob VanRaaphorst with his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by Alice Alvey of Union Home providing a regulatory & legislative update, then we wrap up the first half the program with Allen Pollack giving us a Tech Report of the latest technology impacting our industry.
The first half of the Lykken on Lending program will feature our Weekly Updates: we’ve got Rob VanRaaphorst with his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by Alice Alvey of Union Home providing a regulatory & legislative update, then we wrap up the first half the program with Allen Pollack giving us a Tech Report of the latest technology impacting our industry.
In our new series on “Leadership” we have invited Kevin Crichton to join the podcast in order to discuss his experience as one of the leaders in the mortgage industry!
More aboutKevin Crichton.........
Kevin Crichton, President and COO at EMM Loans LLC
Entrepreneurial leader with a solid corporate structure, Mr. Crichton operates business within a family-oriented environment.
He joined EMM in 2012 and aggressively grew the company to its present position as a well-respected, multibillion-dollar nationwide lender serving over 50,000 happy customers since the company’s inception.
Read more here:....
The first half of the Lykken on Lending program will feature our Weekly Updates: we’ve got Rob VanRaaphorst with his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by Alice Alvey of Union Home providing a regulatory & legislative update, then we wrap up the first half the program with Allen Pollack giving us a Tech Report of the latest technology impacting our industry.
How are you cultivating leadership in your organization?
In our new series on “Leadership” we have invited Marc Helm to join the podcast in order to discuss his experience as one of the leaders in the mortgage industry!
Want to know more about Marc Helm?
Marc is a former “C” level manager of a number of mortgage banking/financial services companies. He has held positions that encompass all areas of mortgage banking, with particular specialization in mortgage servicing, mortgage operations, acquisitions, domestic/non-domestic outsourcing, mortgage systems and specialized default management.
Expertise in the Mortgage Industry
Marc Helm is a 40-plus veteran of the financial services and mortgage banking industry. He recently served as President and Chief Executive Officer of Reverse Mortgage Solutions, Inc. (RMS). RMS was, under his tenure, one of the largest Ginnie Mae Securitizers, originators and servicers/subservicers in the reverse mortgage industry.
Read more...
Are you growing your mortgage company and preparing for the future?
In our series on recruiting, we look at Executive Recruiting with our guest today, Tony Caico of Affinity Five Search Group!
Forming Affinity Five Search Group
He started his first company, Affinity5 Coaching & Consulting, in 2011 and was very successful helping many individuals re-calibrate their lives and consulted with over a dozen business clients between 2010 and 2013. Caico re-entered the mortgage banking space as an Executive Recruiter in May of 2013.
With his vast mortgage banking experience and his affinity for sales; much of his recruiting efforts were focused on Production roles in Retail, Wholesale and Correspondent Mortgage Banking. The levels of searches ranged from President, National Sales, Divisional, Regional, and District Manager roles, to positions such as Branch Manager and Wholesale Account Executive. He has also made placements in Mortgage Servicing, Capital Markets, Vendor Sales, Executive Operations, and many other positions in the financial services industry.
Read more...
The first half of the Lykken on Lending program will feature our Weekly Updates: we’ve got Rob VanRaaphorst with his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by Alice Alvey of Union Home providing a regulatory & legislative update, then we wrap up the first half the program with Allen Pollack giving us a Tech Report of the latest technology impacting our industry.
How important are your business relationships?
Our guest this week is Eric Levin of Model Match! We're continuing our series on mortgage industry "recruiting" and the first message you're hear today is, "Stop recruiting!"
Stop recruiting?!?
Yes!
The discussion today is about the value of processes over events, collaboration in building trust and using the leverage you have to buy time and efficiencies!
Read more here...
The first half of the Lykken on Lending program will feature our Weekly Updates: we’ve got Rob VanRaaphorst with his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by Alice Alvey of Union Home providing a regulatory & legislative update, then we wrap up the first half the program with Allen Pollack giving us a Tech Report of the latest technology impacting our industry.
Are you aware of the latest “recruiting trends” that will likely have a BIG impact on your success this year?
To continue our series on “recruiting top talent” for the mortgage industry, we’ve invited Kris Dunn to be our guest this week in order to discuss “Recruiting Trends” and the impact on your success this year!
Kris Dunn is a Partner and CHRO at Kinetix, a national RPO recruiting firm headquartered in Atlanta. He’s also the founder of two industry-leading blogs – Fistful of Talent and The HR Capitalist–and has written over 100 feature columns at Workforce Management magazine.
He also has a podcast called "BEST HIRE EVER", that is made for recruiters, by recruiters........ Wednesday 17th, I will be his guest!!!
To continue reading, click here!!!!!!!!!!
The first half of the Lykken on Lending program will feature our Weekly Updates: we’ve got Rob VanRaaphorst with his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by Alice Alvey of Union Home providing a regulatory & legislative update, then we wrap up the first half the program with Allen Pollack giving us a Tech Report of the latest technology impacting our industry.
Hi everybody, looks like in the Hot Topic segment we've got a really interesting “Lykken on Lending” podcast with….Bill Cosgrove President & CEO at Union Home Mortgage Corp. to discuss “Recruiting World Class Talent” and how their company has been able to continue to recruit interns during the pandemic!
More about Bill…...
Union Home Mortgage, is a high-growth, full-service retail, wholesale and consumer direct independent mortgage banking company headquartered in Strongsville, Ohio.
A recognized thought leader, Mr. Cosgrove has more than 30 years of mortgage industry experience and is a former president of the Mortgage Bankers Association and Ohio Mortgage Bankers Association.
Mr. Cosgrove joined Union Home Mortgage in 1994 and became its sole owner in 1999.....
To continue reading the show notes click here!
Hi everybody, looks like we've got a really interesting podcast planned for Monday discussing recruiting, in fact, it's kicking off a month long series of podcasts on recruiting and putting together the right teams. This is an opportunity for us to really focus on “who do we want on the bus and who do we want off the bus” to use Jim Collins' great analogy. In difficult economic times, the companies that succeed are the ones that have developed a good recruiting process!
Our guests are….Jim and Genia (jee·nee) Blanchard who are the owners of Strategic Positioning; they're Birkman Consultant experts and use the Birkman personality Assessment method to provide insight into the recruiting process and how to reduce turnover through a behavioral data approach to hiring!
Click here to check out Jim’s previous guest appearance in the show!
If you want to read on, click here!
The first half of the Lykken on Lending program will feature our Weekly Updates: we’ve got Rob VanRaaphorst with his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by Alice Alvey of Union Home providing a regulatory & legislative update, then we wrap up the first half the program with Allen Pollack giving us a Tech Report of the latest technology impacting our industry.
Hi everybody, looks like we've got a really interesting podcast planned with….Brent Chandler who is founder and CEO of FormFree, on the program to give us his outlook on how they have found a better way to assess "ability-to-repay” AND January 1, FormFree rebranded to reflect its mission of empowering consumers and lenders with a transparent view of borrower financial DNA.
He is a widely recognized innovator in mortgage and financial services technologies who has 25 years’ experience on the leading edge of trading, personal finance, wealth management and consumer financial services.
Chandler created AccountChek® by FormFree® in 2007 after his own frustrating home-buying experience fueled an obsession with making loans simpler and safer for everyone. Prior to that, he was part of the team that created the world’s first online trade while at CheckFree (acquired by Fiserv). He later led several startups in the online and algorithmic trading spaces with such companies as TAHO, Vhayu (acquired by Reuters) and Spectrum (acquired by Sanchez).
To read more...click here
The first half of the Lykken on Lending program will feature our Weekly Updates: we’ve got Rob VanRaaphorst with his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by Alice Alvey of Union Home providing a regulatory & legislative update, then we wrap up the first half the program with Allen Pollack giving us a Tech Report of the latest technology impacting our industry.
The first half of the Lykken on Lending program will feature our Weekly Updates: we’ve got Rob VanRaaphorst with his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by Alice Alvey of Union Home providing a regulatory & legislative update, then we wrap up the first half the program with Allen Pollack giving us a Tech Report of the latest technology impacting our industry.
Hi everybody, looks like we've got a really interesting podcast episode with….Jim Paolino FOUNDER & CEO of LodeStar Software Solutions, to discuss whether the future of the mortgage industry is a relationship-based or technology-based business?
You can listen to his podcast here: "Lodestar's Lending Leaders"
Hi everybody, looks like we've got a really interesting podcast episode with….Justin Bailey, Senior Client Services Manager& Todd Jordan, VP of Strategy of Bellomy on the program to address the digital shifts in the home buying journey and how to position yourself for success!
Link to Article
The first half of the Lykken on Lending program will feature our Weekly Updates: we’ve got Rob VanRaaphorst with his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by Alice Alvey of Union Home providing a regulatory & legislative update, then we wrap up the first half the program with Allen Pollack giving us a Tech Report of the latest technology impacting our industry.
In this SPECIAL episode of Lykken on Lending we've got......Barry Habib, Founder and CEO at MBS Highway!!
Barry Habib is an American entrepreneur and frequent media resource for his mortgage and housing expertise.
Amazon #1 bestselling author for his book “Money in the Streets”
Frequent appearances on CNBC and FOX
CEO of MBS Highway – the industry’s most highly regarded and recognized tool for transforming salespeople into advisors
Hi everybody, looks like we've got a really interesting podcast planned with....Scott Harris on the program to discuss Social Survey’s rebranding that drops TODAY, called Experience.com!! They are evolving from a survey platform to an (CX) experience platform, the mortgage industry has been their bedrock and they are excited to share the news with our large audience.
The first half of the Lykken on Lending program will feature our Weekly Updates: we’ve got Rob VanRaaphorst with his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by Alice Alvey of Union Home providing a regulatory & legislative update, then we wrap up the first half the program with Allen Pollack giving us a Tech Report of the latest technology impacting our industry.
Hi everybody, looks like we've got a really interesting podcast planned for Monday with…Douglas G. Duncan, Fannie Mae’s SVP and Chief Economist & Jay Brinkmann retired Chief Economist and SVP of Research and Education at the Mortgage Bankers Association (MBA).
The first half of the Lykken on Lending program will feature our Weekly Updates: we’ve got Rob VanRaaphorst with his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by Alice Alvey of Union Home providing a regulatory & legislative update, then we wrap up the first half the program with Allen Pollack giving us a Tech Report of the latest technology impacting our industry.
In this episode of Lykken on Lending we've got Les Parker in our Hot Topic segment to share his macro view of the mortgage industry for 2021.
Want to know more about Les Parker?
Les Parker is currently the Managing Director at Transformational Mortgage Solutions. He has also served as the Senior Vice President of Industry Relations and Consulting at LoanLogics, a technology and services provider focused on improving mortgage loan quality, performance, and reliability throughout the loan lifecycle. His responsibilities included managing the company’s life of loan analytics and monitoring capabilities, overseeing consulting services, contributor to strategic planning team, and communicating with industry leaders to develop and maintain positive relationships. He focused on identifying threats and strategic opportunities.
The first half of the Lykken on Lending program will feature our Weekly Updates: we’ve got Rob VanRaaphorst with his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by Alice Alvey of Union Home providing a regulatory & legislative update, then we wrap up the first half the program with Allen Pollack giving us a Tech Report of the latest technology impacting our industry.
In today's Hot Topic we've got Dan Putney, who manages the sales strategy for Finastra’s mortgage solutions in the U.S. and has been with Finastra since 2011!
The discussion will start with the results from our mortgage survey of 301 consumers and 34 financial institutions & how Finastra is answering the home borrower's needs, in COVID-19 era!
The first half of the Lykken on Lending program will feature our Weekly Updates: we’ve got Rob VanRaaphorst with his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by Alice Alvey of Union Home providing a regulatory & legislative update, then we wrap up the first half the program with Allen Pollack giving us a Tech Report of the latest technology impacting our industry.
In our Hot Topic segment this week we've got Michael Fratantoni on the program to give us his update and outlook for the mortgage industry this year! You won't want to miss this program!
Michael Fratantoni is MBA’s Chief Economist and Senior Vice President of Research and Industry Technology. In this role, he is responsible for overseeing MBA’s industry surveys, benchmarking studies, economic and mortgage originations forecasts, industry technology efforts, and policy development research for both single-family and commercial/multifamily markets. Additionally, Fratantoni is president and member of the Board of Directors of MISMO and serves on the CSP’s Industry Advisory Group and the membership committee of MERS.
The first half of the Lykken on Lending program will feature our Weekly Updates: we’ve got Rob VanRaaphorst with his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by Alice Alvey of Union Home providing a regulatory & legislative update, then we wrap up the first half the program with Allen Pollack giving us a Tech Report of the latest technology impacting our industry.
The first half of the Lykken on Lending program will feature our Weekly Updates: we’ve got Rob VanRaaphorst with his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by Alice Alvey of Union Home providing a regulatory & legislative update, then we wrap up the first half the program with Allen Pollack giving us a Tech Report of the latest technology impacting our industry
In this episode of Lykken on Lending David will interview a special guest for the Hot Topic segment with the aim of having a discussion on how to teach people how to create a wow life in home or business with a training called Lux Your Lifestyle Lifestyle, with our guest Jessica Peterson.
Jessica, is founder of Simply WOW Agency, also a bestselling author, certified Business and Life Coach, published seven books, and TEDx speaker. After a 20-year career in the banking, mortgage and financial world, Jessica stepped into her dream and created a company to provide a positive impact for people.
Jessica is a licensed Real Estate Agent and is creating a community of WOW Power Players who are all on a mission to WOW people, maximize income, and create a WOW life for themselves.
In this episode of Lykken on Lending, David will interview Nick Hedges, CEO of localized digital marketing innovator of MomentFeed and a recognized expert on the mortgage borrower’s journey.
We’ll be talking about what it takes to have a successful digital marketing program today and how lenders can optimize the purchase journey to engage and capture more nearby customers searching for home loans.
The first half of the Lykken on Lending program will feature our Weekly Updates: we’ve got Rob VanRaaphorst with his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by Alice Alvey of Union Home providing a regulatory & legislative update, then we wrap up the first half the program with Allen Pollack giving us a Tech Report of the latest technology impacting our industry
The first half of the Lykken on Lending program will feature our Weekly Updates: we’ve got Rob VanRaaphorst with his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by Alice Alvey of Union Home providing a regulatory & legislative update, then we wrap up the first half the program with Allen Pollack giving us a Tech Report of the latest technology impacting our industry.
In this episode of Lykken on Lending, David will interview Ted Kramer, who is Founder, Owner, & President of Innovient - The mortgage industry’s most trusted solution to maximize profitability with best-in-class precision pricing, execution & business intelligence.
The discussion will focus on how Innovient was founded as well as what Innovient is doing for the mortgage industry!
In this episode of Lykken on Lending, David will interview Tom Gallucci who is Vice President of Business Development with The Mortgage Collaborative, with the aim of discussing what's going on at TMC these days.
The first half of the Lykken on Lending program will feature our Weekly Updates: we’ve got Rob VanRaaphorst with his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by Alice Alvey of Union Home providing a regulatory & legislative update,then we wrap up the first half the program with Allen Pollack giving us a Tech Report of the latest technology impacting our industry.
In this episode of Lykken on Lending David will be talking with Cyndi Danko, who is Vice President for Fannie Mae’s Single-Family Credit Risk Policy, about how Fannie Mae has responded to the COVID-19 pandemic.
The first half of the Lykken on Lending program will feature our Weekly Updates: we’ve got Rob VanRaaphorst with his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by Alice Alvey of Union Home providing a regulatory & legislative update, and then we wrap up the first half the program with Allen Pollack giving us a Tech Report of the latest technology impacting our industry.
In this episode of Lykken on Lending David will interview a special guest for the Hot Topic segment with the aim of having a discussion on how Tom Showalter, Founder & CEO of Candor FinTech has applied Aerospace Technology experience to shave 20.6 days from the mortgage manufacturing process.
The first half of the Lykken on Lending program will feature our Weekly Updates: we’ve got Rob VanRaaphorst with his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by Alice Alvey of Union Home providing a regulatory & legislative update, and then we wrap up the first half the program with Allen Pollack giving us a Tech Report of the latest technology impacting our industry.
In this episode of Lykken on Lending David will interview a special guest for the Hot Topic segment with the aim of having a discussion on how Digital Mortgage and user experience need to go hand in hand in improving underwriting, creating more satisfied borrowers, and more happy and productive employees. Frank Poiesz, Managing Director of Product Development for Black Knight Inc. Origination Technologies division responsible for its digital origination products and the company’s artificial intelligence platform - AIVA. Frank is a mortgage banking innovator with a 30+ year track record of delivering technology solutions for origination sales.
The first half of the Lykken on Lending program will feature our Weekly Updates: we’ve got Rob VanRaaphorst with his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by Alice Alvey of Union Home providing a regulatory & legislative update, and then we wrap up the first half the program with Allen Pollack giving us a Tech Report of the latest technology impacting our industry.
The first half of the Lykken on Lending program will feature our Weekly Updates: we’ve got Rob VanRaaphorst with his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by Alice Alvey of Union Home providing a regulatory & legislative update, Allen Pollack giving us a Tech Report of the latest technology impacting our industry and then we wrap up the first half the program with Dr. Andy Schell, aka Doctor Schell the Profit Doctor sharing ideas on how to improve your bottom line.
In today's Hot Topic we have Brent Chandler, founder and CEO of FormFree ! He's here to talk about what trends he is seeing as well as what his company is doing...And much more! Don't miss this great interview!
In this episode of Lykken on Lending David will interview a special guest for the Hot Topic segment with the aim of having a discussion on “The Digital Mortgage Transformation: Ellie Mae Becomes ICE Mortgage Technology” with our guest Joe Tyrrell, President, ICE Mortgage Technology
The first half of the Lykken on Lending program will feature our Weekly Updates: we’ve got Rob VanRaaphorst with his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by Alice Alvey of Union Home providing a regulatory & legislative update, and then we wrap up the first half the program with Allen Pollack giving us a Tech Report of the latest technology impacting our industry.
Dawn Williams serves as the Associate Vice President of Conference Programming for the Mortgage Bankers Association, the premier trade association for the real estate finance industry. She is responsible for leading the programming team in the development of engaging and relevant content for MBA’s 16 conferences, with about 400 sessions and 1,200 speakers annually. Williams joined MBA in 2012 after being self-employed for 15 years as a freelance marketing and events consultant. In that role, she served a variety of small businesses across several sectors, including five years as the Executive Director of the Default Attorney Group, a consortium of MBA-member law firms. Earlier in her career she managed a $5 million direct marketing channel for Time-Life’s subscription book, music and video products. Dawn earned the Accredited Mortgage Professional designation in 2014.
The first half of the Lykken on Lending program will feature our Weekly Updates: we’ve got Rob VanRaaphorst with his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by Alice Alvey of Union Home providing a regulatory & legislative update, Allen Pollack giving us a Tech Report of the latest technology impacting our industry and then we wrap up the first half the program with Dr. Andy Schell, aka Doctor Schell the Profit Doctor sharing ideas on how to improve your bottom line.
DAVID NORRIS is a CEO, cyclist, investor, board member, advisor, and serial entrepreneur. Utilizing his extensive experience and network, he works closely with investors and boards to accelerate the growth of high-potential companies. He has extensive governance experience on a wide range of boards and board committees.
The first half of the Lykken on Lending program will feature our Weekly Updates: we’ve got Rob VanRaaphorst with his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by Alice Alvey of Union Home providing a regulatory & legislative update, Allen Pollack giving us a Tech Report of the latest technology impacting our industry and then we wrap up the first half the program with Dr. Andy Schell, aka Doctor Schell the Profit Doctor sharing ideas on how to improve your bottom line.
The first half of the Lykken on Lending program will feature our Weekly Updates: we’ve got Rob VanRaaphorst with his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by Alice Alvey of Union Home providing a regulatory & legislative update, Allen Pollack giving us a Tech Report of the latest technology impacting our industry and then we wrap up the first half the program with Dr. Andy Schell, aka Doctor Schell the Profit Doctor sharing ideas on how to improve your bottom line.
In our Hot Topic segment this week we will be talking with Pete Mills about the MBA Annual20 conference! You won't want to miss this program! You'll want to Encourage all your colleagues and associates to attend MBA's Annual Convention & Expo 2020 (MBA ANNUAL20).
The first half of the Lykken on Lending program will feature our Weekly Updates: we’ve got Rob VanRaaphorst with his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by Alice Alvey of Union Home providing a regulatory & legislative update, Allen Pollack giving us a Tech Report of the latest technology impacting our industry and then we wrap up the first half the program with Dr. Andy Schell, aka Doctor Schell the Profit Doctor sharing ideas on how to improve your bottom line.
As we move into the winter season of the mortgage industry, there's a lot of exciting opportunities and challenges that have come as a result of the Covid-19 pandemic!
In this expanded "Round Table" episode we'll open up the conversation with our regular guests to hear their insights and reflections on some of the latest Hot Topics that have been developing as the mortgage industry shifts towards the pandemic recovery and the busy summer mortgage season!
Topics Covered in this Interview:
Technology as a way to add efficiency or having a ‘magic software’? How are the best employee’s preserved? How should planning be impacted by volume dropping in 2021? Do we just accept extended turn times for now and at what rate? What happens in 2021 when refi drops 60%? (MBA prediction) Does the focus on consumption of volume lead to long-term success? How does an LO manage a 7 figure year? Nuances of rate sheet pricing as it relates to pipeline control. Distortions in housing/mortgage data due to covid.
The first half of the Lykken on Lending program will feature our Weekly Updates: we’ve got Rob VanRaaphorst with his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by Alice Alvey of Union Home providing a regulatory & legislative update, Allen Pollack giving us a Tech Report of the latest technology impacting our industry and then we wrap up the first half the program with Dr. Andy Schell, aka Doctor Schell the Profit Doctor sharing ideas on how to improve your bottom line.
In today’s Hot Topic we’ve got Brent Emler, SVP Sales @ Velma as well as his guest Kim Baker, VP – IT Program Manager @ Highlands Residential Mortgage, Ltd......
Brent is a strategic sales manager and persuasive communicator with a record of crafting engaging messaging that drives buying decisions. A market strategist distinguished by strengths in market research, competitive intelligence gathering, and product innovation leading to improved competitive positioning, brand awareness, and market share
Kim is a dynamic, forward thinking IT executive. She entered the mortgage industry in a technical support role for originations. Kim quickly moved into a technology analyst role. Over the last 17 years Kim has developed a reputation as a technologist with the unique ability to translate business needs into actionable technology road maps that result in transformative solutions.
In this episode of Lykken on Lending David will interview a special guest for the Hot Topic segment with the aim of having a discussion on the Importance of IMBs Engaging in Advocacy!
Michael Jones, CFO Thrive Mortgage & current Chairman of the CMLA. He started his career at PricewaterhouseCoopers in Dallas, TX, after graduating from Baylor University in Waco, TX.
The first half of the Lykken on Lending program will feature our Weekly Updates: we’ve got Rob VanRaaphorst with his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by Alice Alvey of Union Home providing a regulatory & legislative update, Allen Pollack giving us a Tech Report of the latest technology impacting our industry and then we wrap up the first half the program with Dr. Andy Schell, aka Doctor Schell the Profit Doctor sharing ideas on how to improve your bottom line.
In today's Hot Topic we've got Marina Walsh & Les Parker, here to discuss IMB (Independent mortgage banks) statistics, and how its production profits are soaring in the second quarter of 2020!
The first half of the Lykken on Lending program will feature our Weekly Updates: we’ve got Rob VanRaaphorst with his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by Alice Alvey of Union Home providing a regulatory & legislative update, Allen Pollack giving us a Tech Report of the latest technology impacting our industry and then we wrap up the first half the program with Dr. Andy Schell, aka Doctor Schell the Profit Doctor sharing ideas on how to improve your bottom line.
The COVID-19 pandemic has revealed the extreme income and wealth inequality that has undermined U.S. economic growth for more than 40 years. The bottom 90% of U.S. households by income have endured stagnant wages, rising debt loads and generalized economic insecurity, all of which became evident as house prices collapsed in 2007-2009. Although many suggest that the inequality is attributable to the impact of globalization and technological advancements on employment and wages, what they miss is the role of speculative finance (financialization) and the complicity of the central bank in driving this process. Continue reading......
Announcement by GSEs… assessing risk of the refinance market..We’ve seen a tightening of credit due to the current crisis… Fannie and Freddie have taken a bigger share…Opportunity for an increased refinance market… at 50 basis points, the cash position will increase rapidly…The flood of refinances, margins at their widest levels… so it’s a 50 basis point tax on refinances…The academic view vs the view from inside… understanding the impact of a decision…There’s a finite amount of capital available… lenders need to adjust their lending… impact on Independent Mortgage Bankers…The importance of the relationship between Independent Mortgage Bankers and Warehouse lenders… you could see the availability of funds from Warehouse Lenders constrict in the next 6 -12 months…A look at monthly volume growth at GinnieMae… churning the portfolios…Investors are reluctant… it’s a domestic market, not an international market…They’re making money… you’ve got to be able to support your infrastructure… because this will go away…A look at the rising FICO scores and the age bracket 50+ in the market…There’s a huge pipeline of delinquencies that are about to hit… delinquencies tied to unemployment rate…There is an increase in delinquencies ahead of us… period. Refinances are propping up the current market…100 million Americans rent their housing now… 28.9 – 39.9% are at risk of eviction in 2020…Only those who are forward-thinking are preparing for when the bottom is going to fall out…
Why INDECOMM?
With more than 25 years in the mortgage industry, Indecomm has seen it all. Regulatory and compliance changes. Market upturns, downturns, and then rebounds. Revolutionary technology that continues at a rapid pace. Through it all, large and mid-sized lenders, services, mortgage insurers, and title companies have relied on them to help them succeed and grow.
Indecomm does this by simplifying the complexities of the mortgage lifecycle with a broad spectrum of business services and technology solutions and working alongside clients to implement them. When you choose to partner with them, you leverage the depth of their knowledge and experience, gained through a solid track record in the industry. Their stability and years in the industry have set the stage for their ability to fill the gaps in the mortgage process lifecycle so they can lead the way with new technologies, business resources and education.
The first half of the Lykken on Lending program will feature our Weekly Updates: we’ve got Rob VanRaaphorst with his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by Alice Alvey of Union Home providing a regulatory & legislative update, Allen Pollack giving us a Tech Report of the latest technology impacting our industry and then we wrap up the first half the program with Dr. Andy Schell, aka Doctor Schell the Profit Doctor sharing ideas on how to improve your bottom line.
The first half of the Lykken on Lending program will feature our Weekly Updates: we’ve got Rob VanRaaphorst with his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by Alice Alvey of Union Home providing a regulatory & legislative update, Allen Pollack giving us a Tech Report of the latest technology impacting our industry and then we wrap up the first half the program with Dr. Andy Schell, aka Doctor Schell the Profit Doctor sharing ideas on how to improve your bottom line.
In today’s Hot Topic we’ve got Steve Hoke, Vice President & General Manager of Mortgage & Commercial Products at Finastra with us today! Steve leads product strategy and innovation for Finastra’s Mortgage and Commercial Lending solutions.
With more than 20 years in the financial services industry, Steve brings a broad range of experience in FinTech, insurance, lending and investment banking. His unique background allows Steve to lead a strategic product team focused on improving the lending experience for home buyers and businesses in communities across the country.
The first half of the Lykken on Lending program will feature our Weekly Updates: we’ve got Rob VanRaaphorst with his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by Alice Alvey of Union Home providing a regulatory & legislative update, Allen Pollack giving us a Tech Report of the latest technology impacting our industry and then we wrap up the first half the program with Dr. Andy Schell, aka Doctor Schell the Profit Doctor sharing ideas on how to improve your bottom line.
There's a lot that's been changing in the world today! In today's Hot Topic we're excited to have Josh Friend, Founder and CEO of Insellerate, on the podcast to discuss how how borrower engagement is changing rapidly, how technology can help lenders quickly adapt. !
Want to know more about Josh Friend?
As the founder and CEO of Insellerate, an industry leading borrower engagement platform, Josh began his career as a loan officer in 1999. In 2003 he opened his first of several successful mortgage companies.
Over the past 20 years, Josh has hired, trained and managed thousands of employees in the mortgage industry and overseen all areas of the mortgage process.
With a keen eye for developing best-in-class sales processes and technology, Josh built his first in house CRM/POS in 2005 and continued to develop software for his mortgage platforms, which has led him to the founding of Insellerate.
Josh's sole focus now is Insellerate and helping lenders close more loans through intelligent borrower engagement and the use of technology.
In this episode of Lykken on Lending we've got Alex Kutsishin, Founder, CEO and Chief ROI Booster from Sales Boomerang!
Sales Boomerang is one of the most revolutionary technologies ever developed for the mortgage industry.
When and why should you utilize Sales Boomerang? Here are the top five questions to ask yourself:
Do You Want to Reduce the Cost of Funding?Do You Want to Increase Volume?Do You Want to Increase Customer Retention?Do You Want to Enhance the Borrower Experience?Do You Want to Bring Back Your Dead Deals?
Want to learn more about the Attention to Retention 5 Day Challenge PROMO?
Opt-in to learn more about Borrow Retention here.The 5 Day Attention to Retention ChallengeSign up here with $200 Discount Code: LOL20
The first half of the Lykken on Lending program will feature our Weekly Updates: we’ve got Rob VanRaaphorst with his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by Alice Alvey of Union Home providing a regulatory & legislative update, Allen Pollack giving us a Tech Report of the latest technology impacting our industry and then we wrap up the first half the program with Dr. Andy Schell, aka Doctor Schell the Profit Doctor sharing ideas on how to improve your bottom line.
Megan Anderson is a well-known professional speaker, teacher, and winner of the 2019 Women With Vision Award. She is also the winner of 2019, 40 under 40 award. She is a host on the podcast Behind the Breakthrough, telling the untold stories of success. She has introduced systems and platforms that effectively create content and increase engagement.
She is Vice President of Marketing at MBS Highway, the industry’s leading platform for mortgage sales professionals. Megan has helped eliminate the fears and obstacles that mortgage and real estate salespeople have in creating video content.
I also wanted to share the podcast episode she and I did so here is the link https://www.buzzsprout.com/841243/3524575-don-t-let-pain-become-your-prison-w-david-lykken
The first half of the Lykken on Lending program will feature our Weekly Updates: we’ve got Rob VanRaaphorst with his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by Alice Alvey of Union Home providing a regulatory & legislative update, Allen Pollack giving us a Tech Report of the latest technology impacting our industry and then we wrap up the first half the program with Dr. Andy Schell, aka Doctor Schell the Profit Doctor sharing ideas on how to improve your bottom line.
The first half of the Lykken on Lending program will feature our Weekly Updates: we’ve got Rob VanRaaphorst with his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by Alice Alvey of Union Home providing a regulatory & legislative update, Allen Pollack giving us a Tech Report of the latest technology impacting our industry and then we wrap up the first half the program with Dr. Andy Schell, aka Doctor Schell the Profit Doctor sharing ideas on how to improve your bottom line.
Watch LIVE interview from UWM offices: https://youtu.be/b8YeBjHyElk
WHY UWM?
Did you know that UWM closes 1 out of every 3 purchase loans generated by mortgage brokers? That amounts to 1 out of every 20 purchase loans nationwide. And no wonder. The tools provided by UWM to their clients to grow their businessmakes it easy to see why they are the #1 wholesale lender in the nation.
Vince is an experienced mortgage professional with a demonstrated history of working in the financial services industry. The goal of the Wholesale Development Team at UWM is to provide support, tools and resources to any professionals interested in learning about the opportunities available in the wholesale channel. His team has one collective goal – grow wholesale... PERIOD!!
Their resurgence of the Independent Mortgage Broker continues; currently just shy of 22% of the total market share and heading towards the all-time high of over 50%!
At UWM, they want their borrowers to enjoy premium service even after their loan closes, which is why they service most of their loans for 12–36 months. In fact, they service over 100,000 loans at any one time. And although they occasionally do sell off their servicing, they make sure they protect their business in several ways. For one, they negotiate non-solicit agreements to protect their business for another 12–36 months. They also include your name and contact information on the monthly mortgage statement.
The first half of the Lykken on Lending program will feature our Weekly Updates: we’ve got Rob VanRaaphorst with his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by Alice Alvey of Union Home providing a regulatory & legislative update, Allen Pollack giving us a Tech Report of the latest technology impacting our industry and then we wrap up the first half the program with Dr. Andy Schell, aka Doctor Schell the Profit Doctor sharing ideas on how to improve your bottom line.
With so many changes taking place in the mortgage industry during the Covid-19 pandemic, and in light of the systemic racial issues currently being exposed in the protests taking place across America in recent weeks, it can be difficult to remain focused on finding solutions that unite and bring people together.
While it’s easy to sit back and comment on the problems as they happen, it takes great leaders to help us focus beyond the problems and provide hope and inspiration to make a positive impact.
For today’s podcast, we invited 2 people onto the program in our Hot Topic segment who are providing solutions that lead to a positive outcome.
Gwen Muse-Evans, President and CEO of GME Enterprises & Anthony Flynn, Work Faith Connection, are on the podcast today in order to share their perspectives on this Hot Topic as it relates to finding solutions for the mortgage industry!
Read more...
The first half of the Lykken on Lending program will feature our Weekly Updates: we’ve got Rob VanRaaphorst with his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by Alice Alvey of Union Home providing a regulatory & legislative update, Allen Pollack giving us a Tech Report of the latest technology impacting our industry and then we wrap up the first half the program with Dr. Andy Schell, aka Doctor Schell the Profit Doctor sharing ideas on how to improve your bottom line.
As we move into the summer season of the mortgage industry, there’s a lot of exciting opportunities and challenges that have come as a result of the Covid-19 pandemic!
In this expanded episode we’ll open up the conversation with our regular guests to hear their insights and reflections on some of the latest Hot Topics that have been developing as the mortgage industry shifts towards the pandemic recovery and the busy summer mortgage season!
Our guests this week are Alice Alvey, Matt Graham, Allen Pollack and Dr. Andy Schell, aka Doctor Schell the Profit Doctor. The conversation will focus on ALL that's developing and happening as we recover from the Covid-19 pandemic.
Topics Covered in this Interview:
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A shift into summer buying: Sales, sales and more sales!
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Pandemic relief programs and ramifications for lenders.
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The information age and a move towards remote work environments.
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The role of technology in a changing digital mortgage industry.
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The importance of Leadership as a Key Growth Strategy
The first half of the Lykken on Lending program will feature our Weekly Updates: we’ve got Rob VanRaaphorst with his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by Alice Alvey of Union Home providing a regulatory & legislative update, Allen Pollack giving us a Tech Report of the latest technology impacting our industry and then we wrap up the first half the program with Dr. Andy Schell, aka Doctor Schell the Profit Doctor sharing ideas on how to improve your bottom line.
With all that’s been happening in the mortgage industry as a result of the Covid-19 pandemic, we’re excited to have Rajesh Bhat on the program to discuss how this could be a digital lending breakthrough!
Rajesh Bhat is co-founder, chief executive officer and board director of Roostify. He is responsible for establishing and executing on the vision of Roostify and delivering on the brand promise of: Reinvent Lending. Realize Dreams.
“More than a mortgage point of sale, our Digital Mortgage Platform moves mortgages forward.” – Rajesh Bhat
Over the past six years, Rajesh has scaled Roostify from 3 employees to over 100 and has crossed major industry milestones, including reaching $250 billion in loans processed.
Rajesh co-founded Roostify in 2012 after a challenging home buying experience instilled in him a passion to increase the transparency and simplicity of the experience and the consumer lending journey overall.
Today, Roostify is named by CB Insights as one of the top 250 growing fintechs in the world. Leading enterprise banks, including several top global financial institutions, trust the Roostify digital lending platform to optimize the mortgage experience and bring them securely and compliantly into the age of the public cloud.
Topics Covered in this Interview:
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How did you prepare for something like this pandemic?
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Are we in the middle of a Digital Breakthrough?
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What does this mean for the future of mortgage lending?
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How will the mortgage market look in 3-6 months as modifications become more common?
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Forbearance windows will also start to close soon. How will the Fed bailout impact the markets.
The first half of the Lykken on Lending program will feature our Weekly Updates: we’ve got Rob VanRaaphorst with his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by Alice Alvey of Union Home providing a regulatory & legislative update, Allen Pollack giving us a Tech Report of the latest technology impacting our industry and then we wrap up the first half the program with Dr. Andy Schell, aka Doctor Schell the Profit Doctor sharing ideas on how to improve your bottom line.
Digital humans are AI-powered brand ambassadors that recreate the best aspects of human interaction to drive deeper emotional connection with customers.
Danny Tomsett is a tech visionary and relentless innovator with a passion for customer experience – so much so that under his leadership, FaceMe was the winner of the Sir Richard Branson ‘Virgin Business challenge’; and in 2018, FaceMe was recognized at the ‘Deloitte Fast 50’ NZ awards as one of the country’s fastest growing businesses, with revenue growth of 317%, alongside Danny being selected as an EY Entrepreneur of year finalist.
Tyler Merritt is a technology evangelist focused on spreading knowledge and enthusiasm to help others see the same vision of the future that he sees, and empower them with the connections and opportunity to help build it.
In honor of Father’s Day we invited Tim Ross, CEO of Ross Mortgage, onto the program to share some of his memories of running a mortgage company alongside his father.
Tim's father, Hugh Ross, began Ross Mortgage with just a single location. Over the decades of being in business, through common values and a shared vision, Ross Mortgage has expanded its operations and is now doing business in 11 different States.
Ross Mortgage Corporation is a successful mortgage banking company with a reputation for professionalism, integrity and quality service. Headquartered in Troy, Michigan, Ross is one of the top independent lenders in the Midwest and serves its valued customers through a network of offices located in Michigan, Ohio, Maryland, Louisiana, Pennsylvania and Florida.
Founded in 1949, Ross Mortgage combines 70 years of mortgage lending experience with state-of-the-art mortgage lending technology. As a full-service mortgage lender, Ross Mortgage Corporation delivers superior service and pricing to our customers since, as a lender, we possess underwriting authority and retain control over the entire transaction. What this means to you is that you can depend on Ross Mortgage for competitive rates, quality service, fast response and no surprises.
Read more...
The first half of the Lykken on Lending program will feature our Weekly Updates: we’ve got Rob VanRaaphorst with his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by Alice Alvey of Union Home providing a regulatory & legislative update, Allen Pollack giving us a Tech Report of the latest technology impacting our industry and then we wrap up the first half the program with Dr. Andy Schell, aka Doctor Schell the Profit Doctor sharing ideas on how to improve your bottom line.
You can check out the interview with Tim Ross...
The mortgage industry has been drastically affected by the coronavirus, as have many other industries throughout the world. In order to gain a perspective on all the volatility in the mortgage markets we thought we’d bring Matt Graham in to provide his insights.
Want to know more about Matt Graham?
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, a first-of-its-kind platform with real-time market data/analysis, and live chat with analysts, traders, and originators around the country.
He’s been covering bond/mortgage markets, writing commentary, alerts, and chatting with 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. MortgageNewsDaily’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.
Topics covered in this Interview: Massive volatility. Margin call angst.No servicer backstop in CARES Act, servicer angst.The “spread” environment is like nothing we’ve ever seen. Very different from the financial crisis.What will make it better?Live market data is just the beginning, benefits of a live community.
The first half of the Lykken on Lending program will feature our Weekly Updates: we’ve got Rob VanRaaphorst with his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by Alice Alvey of Union Home providing a regulatory & legislative update, Allen Pollack giving us a Tech Report of the latest technology impacting our industry and then we wrap up the first half the program with Dr. Andy Schell, aka Doctor Schell the Profit Doctor sharing ideas on how to improve your bottom line.
You can check out the interview with Matt Graham...
“The pessimist complains about the wind. The optimist expects it to change. The leader adjusts the sails.” -John Maxwell
Joseph Murin was the President of Ginnie Mae during the great recession of 2008-2009, and with all that’s happened in the mortgage industry during this pandemic, we thought it’d be wise to take some time to understand what took place during those challenging months in order to better understand the future.
As past president of Ginnie Mae during the great recession, Joseph Murin led the transformation of Ginnie Mae through a difficult time in the housing and mortgage arenas and provided much needed liquidity to the industry as it grew its portfolio from $350 billion to $840 billion.
Want to know more about Joe Murin?
Joseph J. Murin is currently an advisor with Ainsworth Advisors. He is also the Chairman Emeritus of Chrysalis Holdings LLC and the Chairman of JJAM Financial Services LLC. Mr. Murin joined ANC Acquisitions LP in July 2011 as its CEO. ANC is a Fortress Investment Group financial services company founded to provide products and services to the financial services industry. ANC specialized in the areas of mortgage lending, mortgage servicing, asset-based lending, compliance, and analytics. He is the former Chairman and Co-founder of The Collingwood Group LLC. The Collingwood Group’s primary focus is in the financial services sector and offers business advisory services combined with access to decision makers, financial sponsors, corporate boards, and senior industry executives. Read more...
The first half of the Lykken on Lending program will feature our Weekly Updates: we’ve got Rob VanRaaphorst with his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by Alice Alvey of Union Home providing a regulatory & legislative update, Allen Pollack giving us a Tech Report of the latest technology impacting our industry and then we wrap up the first half the program with Dr. Andy Schell, aka Doctor Schell the Profit Doctor sharing ideas on how to improve your bottom line.
You can check out the interview with Joe Murin...
The first half of the Lykken on Lending program will feature our Weekly Updates: we’ve got Rob VanRaaphorst with his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by Alice Alvey of Union Home providing a regulatory & legislative update, Allen Pollack giving us a Tech Report of the latest technology impacting our industry and then we wrap up the first half the program with Dr. Andy Schell, aka Doctor Schell the Profit Doctor sharing ideas on how to improve your bottom line.
You can check out the interview with Justin Demola...
In difficult economic times, the companies that succeed are often the ones that have developed great relationships and partners. As the saying goes, “If you want to travel fast, go alone. If you want to travel far, go together with others.”
With all that’s going on in the mortgage industry as we move through the pandemic and see the changes that have been implemented, we’re excited to bring on the podcast Justin Demola to gain his perspective for what’s taking shape with so many lenders in this new economic environment!
Justin Demola is Vice President of Sales at Lenders One Mortgage Cooperative, and he will be our guest in the Hot Topic segment!
Justin leads the overall sales and marketing efforts of the co-op and oversees the National Programs platform of providers.
Focused on delivering unique value to members through new benefits, innovative solutions and opportunities to connect, Justin brings 27 years of experience in mortgage, consulting and business development to this role.
Most recently, Justin served as COO of MLB Residential Lending, LLC, a member of Lenders One, and prior to that, he was President of The Hills Mortgage and Finance Company, LLC.
Justin is a licensed Mortgage Loan Originator and Certified Mortgage Banker (CMB).
In addition to his role at Lenders One, Justin serves as resident CMB instructor for the Mortgage Bankers Association (MBA)’s CMB Final Prep Course, sharing his insight and support with current students.
Topics covered in this Episode:
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How are your members fairing during these uncertain times?
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How is Lenders One helping its members during these times?
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Anything new on the horizon at Lenders One?
Read more...
The first half of the Lykken on Lending program will feature our Weekly Updates: we’ve got Rob VanRaaphorst with his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by Alice Alvey of Union Home providing a regulatory & legislative update, Allen Pollack giving us a Tech Report of the latest technology impacting our industry and then we wrap up the first half the program with Dr. Andy Schell, aka Doctor Schell the Profit Doctor sharing ideas on how to improve your bottom line.
You can check out the interview with Alec Hanson here...
As the world shifts and we move into the “Information Age” in the mortgage industry, the companies who make the biggest gains will be the ones who build and maintain relationships better and faster than the others. Using videos can help you with this!
Are you creating videos to build trust and grow your business?
Our guest today is Alec Hanson, Senior Vice President of Loan Production at loanDepot, Pacific Southwest Division.
Want to know more about Alec Hanson?
Alec Hanson is a contemporary leader within the Mortgage Industry. Constantly striving to improve, he began his career in origination in 2004 funding over $85M and was named Rookie of the Year by Scotsman’s Guide.
Every subsequent year Hanson landed on Scotsman’s Top 200 Originator list finishing his best year at $185M.
From there Hanson began coaching and growing a successful branch network in Orange County with his peak year in 2010 funding over $1B at the branch level.
Hanson has received HouseWire’s Rising Star award both in 2017 and 2019 and currently serves as Senior Vice President of Production for loanDepot for the Pacific Southwest Division overseeing approximately $4B in annual production.
A dynamic coach and thought leader Hanson believes in leading and coaching within the trenches of the business, loves leading originators across the country, and is the author of loanDepot’s Modern Lending Playbook...
Read more...
The first half of the Lykken on Lending program will feature our Weekly Updates: we’ve got Rob VanRaaphorst with his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Joe Farr providing you a rate & market update, followed by Alice Alvey of Union Home providing a regulatory & legislative update, Allen Pollack giving us a Tech Report of the latest technology impacting our industry and then we wrap up the first half the program with Dr. Andy Schell, aka Doctor Schell the Profit Doctor sharing ideas on how to improve your bottom line.
You can check out the interview with Dale Larson Jr. and Dale Larson III... of Modex...
What kind of data are you using to improve your Mortgage Business Intelligence and recruiting?
As the pandemic “peak” passes and things begin to shift to our new reality post-covid-19, we’re focusing this episode on growing and expanding your mortgage business! We have Dale Larson Jr. and Dale Larson III as our guests in the Hot Topic to talk about the exciting possibilities that are available to help you grow and expand in 2020 and beyond!
Want to know more about Modex?
Modex is a technology platform that matches residential mortgage loan production with loan fulfillment by helping loan officers optimize their value in the marketplace.
Topics covered in this Episode:
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The power of data for mortgage recruiting.
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Solving the problems in the recruitment dance.
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Machine learning and predictive analytics in mortgage banking and human capital.
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Beyond compensation, what’s important to hiring and retaining loan officers?
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Transparency in mortgage recruiting.
Read more...
With all that's going on in the mortgage industry right now we thought it'd be best to take a detailed look at what it takes to become approved by Ginnie Mae, and with that, also look to the future for what may be happening after the pandemic!
In today's Hot Topic we have Gregory Keith on the program to provide us with his insights on the Ginnie Mae Approval process!
Want to know more about Gregory Keith?
Gregory A. Keith joined Ginnie Mae as Senior Vice President and Chief Risk Officer in October 2010. In this capacity, he monitors the corporation’s aggregate risk and compliance with risk policies, develops and maintains corporate-wide procedures for risk management, and provides independent evaluation and oversight of all risk management activities.
Mr. Keith has more than 25 years of experience in the financial services industry. Much of his experience has been in mortgage and asset backed finance. Prior to joining Ginnie Mae, Mr. Keith spent nine years in various roles at Fannie Mae. These roles spanned across multiple disciplines including strategy, risk and finance. Most recently, he served as Director of Counterparty Risk Management, where he structured, monitored, and mitigated financial risk with business partners.
Read more...
The first half of the Lykken on Lending program will feature our Weekly Updates: we’ve got Rob VanRaaphorst with his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Joe Farr providing you a rate & market update, followed by Alice Alvey of Union Home providing a regulatory & legislative update, Allen Pollack giving us a Tech Report of the latest technology impacting our industry and then we wrap up the first half the program with Dr. Andy Schell, aka Doctor Schell the Profit Doctor sharing ideas on how to improve your bottom line.
You can check out the interview with Greg Keith...
The first half of the Lykken on Lending program will feature our Weekly Updates: we’ve got Rob VanRaaphorst with his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Joe Farr providing you a rate & market update, followed by Alice Alvey of Union Home providing a regulatory & legislative update, Allen Pollack giving us a Tech Report of the latest technology impacting our industry and then we wrap up the first half the program with Dr. Andy Schell, aka Doctor Schell the Profit Doctor sharing ideas on how to improve your bottom line.
You can check out the interview with Dale Vermillion...
With all that’s going on during this pandemic, the real shift towards technology has been accelerated in order to keep businesses operating and moving forward.
With things shifting to a more digital experience for the mortgage industry, this week we look at keeping the balance between the human aspect of business and the increasing dependency on technology.
With over three decades of industry experience, Dale Vermillion has driven double-digit results in every mortgage market imaginable.
And now he’s committed to helping you do the same.
Since 1995, Dale has taught over 450 lenders and 1M+ loan officers a systematic, value-based approach to sales, customer service, and management that delivers results and builds lasting customer loyalty.
That approach—your guaranteed path to success—has helped thousands of loan officers close over 20 loans a month, processors shorten turn-times to under 30 days, and managers grow their volume by multiples.
Built on the best practices of top performers, a lifetime of proven mortgage sales success, and relevant borrower and market research, the tips and strategies Dale imparts are both timeless and actionable.
Topics Covered in this Podcast:
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Building a successful sales-centered, metrics-driven, OthersFirst company
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The importance of balancing tech, service and relationship
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Creating synergy and teamwork between operations and sales to improve productivity
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Avoiding the “pawning” mistake – taking control of your customers and partners
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Achieving differentiation in a competitive and commoditized environment
What is the issue associated with "forbearance" and how could this play out in a "Covid" economy?
In this episode of Lykken on Lending we're excited to have Dan Habib joining us to discuss what he's seeing when it comes to forbearance, the Fed and how this could impact the future of housing!
Dan Habib has been involved in the mortgage industry for over 16 years. He was an integral part of Mortgage Market Guide, founded by Barry Habib, where he was the director of sales and helped the company grow to be ubiquitous within the industry.
Dan later worked at Morgan Stanley as a Financial Advisor, where he was a member of the #1 ranked Barron’s financial advisory team in NJ. Dan has held his series 7, 63, 65, 31, and Life and Health insurance licenses.
He is currently the Executive Vice President and one of the founders of MBS Highway.
Dan has been instrumental in all aspects of MBS Highway’s significant growth over the past 7 years.
Dan is also a sought-after speaker due to his extensive knowledge on the mortgage and real estate markets.
Topics Covered in this Episode:
What is the issue with forbearance?How is forbearance impacting Servicers?What has the Fed done to stabilize the market?The Fed's actions causing margin calls and what they are doing now.The future of interest rates and housing.
The first half of the Lykken on Lending program will feature our Weekly Updates: we’ve got Rob VanRaaphorst with his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Joe Farr providing you a rate & market update, followed by Alice Alvey of Union Home providing a regulatory & legislative update, Allen Pollack giving us a Tech Report of the latest technology impacting our industry and then we wrap up the first half the program with Dr. Andy Schell, aka Doctor Schell the Profit Doctor sharing ideas on how to improve your bottom line.
You can check out the interview with Dan Habib...
What are you doing to manage risk through this time of crisis?
We've invited Gwen Muse-Evans onto the program to share her perspective on this exact Hot Topic!
Want to know more about Gwen Muse-Evans?
Gwen is the President and CEO of GME Enterprises, a management consulting firm that provides risk management, operations management and housing finance advisory services.
During her 25+-year tenure in the financial services industry, Gwen has served in many high-profile executive leadership positions and has successfully implemented risk management platforms to drive effective management of significant risks.
She was most recently the Senior Vice President and Chief Risk Officer for the Credit Portfolio Management and Single-Family businesses at Fannie Mae where she served from 2001 until 2014 – through the prior financial and housing crisis.
A Leader in the Mortgage Industry
Gwen was recognized for demonstrating exceptional leadership skills, strategic thinking and the ability to generate consensus for adoption of solutions to address unprecedented mortgage industry challenges.
Gwen is a Certified Enterprise Risk Professional, a Certified Project Management Profession and a faculty member of the American Bankers Association’s Risk Management School.
The first half of the Lykken on Lending program will feature our Weekly Updates: we’ve got Rob VanRaaphorst with his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Joe Farr providing you a rate & market update, followed by Alice Alvey of Union Home providing a regulatory & legislative update, Allen Pollack giving us a Tech Report of the latest technology impacting our industry and then we wrap up the first half the program with Dr. Andy Schell, aka Doctor Schell the Profit Doctor sharing ideas on how to improve your bottom line.
You can check out the interview with Gwen Muse-Evens...
This is a special podcast where we will have a LIVE update from Bill Killmer, SVP of Legislative & Political Affairs, and Pete Mills, SVP of Residential Policy & Member Engagement, to discuss the latest developments related to relief for Fannie and Freddie RMBS issuers in light of forbearance.
The first half of the Lykken on Lending program will feature our Weekly Updates: we’ve got Rob VanRaaphorst with his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Joe Farr providing you a rate & market update, followed by Alice Alvey of Union Home providing a regulatory & legislative update, Allen Pollack giving us a Tech Report of the latest technology impacting our industry and then we wrap up the first half the program with Dr. Andy Schell, aka Doctor Schell the Profit Doctor sharing ideas on how to improve your bottom line.
You can check out the interview with Kevin Peranio here.
With all that's happening in the world due to the pandemic, it appears like we're quickly transitioning from the Industrial Age to the Information Age, and with that transition comes a lot of adjustments for how leaders will lead their teams to success!
Great leaders know the value of consistent communication, especially in times where there is little consistency!
Our Hot Topic guest is Kevin Peranio, a leader in his space who knows the value of communicating his message!
Want to know more about Kevin Peranio
Kevin is the Chief Lending Officer for PRMG and is responsible for overseeing all production, including working with operations teams within the loan manufacturing process.
His primary goal is to enhance the overall customer experience when doing business with PRMG. This includes creating robust reporting features to ensure accountability at all layers and levels of the process.
Kevin is a Four-Time President’s Cabinet Member and was recognized by NMP as the Top 40 Under 40.
Since joining PRMG in 2010, Kevin led the Southeast Region to become the Ranked #1 Region for PRMG, reaching this milestone in record time.
This achievement ultimately allowed Kevin to become one of the youngest partners at PRMG.
Read more...
The economic toll of coronavirus has been profound and precipitous, with millions filing for unemployment. To help them, our industry needs solutions that are simple, streamlined and — above all — unprecedented.
In today’s Hot Topic we have Brent Chandler, founder and CEO of FormFree! He’s here to provide his perspective on the mortgage industry’s impact from the coronavirus and look at the innovation that’s available for mortgage bankers!
Want to know more about Brent Chandler?
Brent Chandler is founder and CEO of FormFree. He is a widely recognized innovator in mortgage and financial services technologies who has 25 years’ experience on the leading edge of trading, personal finance, wealth management and consumer financial services.
Chandler created AccountChek® by FormFree® in 2007 after his own frustrating home-buying experience fueled an obsession with making loans simpler and safer for everyone. Prior to that, he was part of the team that created the world’s first online trade while at CheckFree (acquired by Fiserv). He later led several startups in the online and algorithmic trading spaces with such companies as TAHO, Vhayu (acquired by Reuters) and Spectrum (acquired by Sanchez).
Topics covered in this episode:
The availability of innovative measures with mortgage origination Shoring up capacity to prepare for the coming influx of distressed borrowers Streamlining loan refis on a mass scale
And much more! Don’t miss this great interview!
Read more about Brent Chandler here...
The first half of the Lykken on Lending program will feature our Weekly Updates: we’ve got Rob VanRaaphorst with his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Joe Farr providing you a rate & market update, followed by Alice Alvey of Union Home providing a regulatory & legislative update, Allen Pollack giving us a Tech Report of the latest technology impacting our industry and then we wrap up the first half the program with Dr. Andy Schell, aka Doctor Schell the Profit Doctor sharing ideas on how to improve your bottom line.
You can check out the interview with Brent Chandler here.
The COVID-19 pandemic has wide-reaching impacts for the U.S. and global economy.
One area of potential impact is the delay (or cancelations) of closings. Many county recorders have yet to fully digitize operations, and as such depend upon high-touch, manual processes for both input and production of property records. Shelter-in-place orders or even widespread social distancing efforts could hamper their ability to fulfill their part of the process, which could reduce the volume of both purchase and refinance lending along with overall real estate transactions.
As a result of years of investment and innovation in digital mortgage technology, Black Knight has enabled much, if not all, of the mortgage application and closing process to happen online and remotely. This means that lending – particularly refinance lending – can continue unabated, and help to move the market forward for some time, even in the midst of this global health crisis. Black Knight’s Expedite Close eClosing platform supports all forms of real estate closings, including – where permitted by law – completely digital mortgage closings, supported by remote online notarization. This enables loans to close with the utmost social distancing – allowing the buyer to remain in their home, while the closing agent is at a different location.
Read more...
The first half of the Lykken on Lending program will feature our Weekly Updates: we’ve got Rob VanRaaphorst with his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Joe Farr providing you a rate & market update, followed by Alice Alvey of Union Home providing a regulatory & legislative update, Allen Pollack giving us a Tech Report of the latest technology impacting our industry and then we wrap up the first half the program with Dr. Andy Schell, aka Doctor Schell the Profit Doctor sharing ideas on how to improve your bottom line.
Check out the Hot Topic segment with John Ralston is Director of eLending for the Origination Technologies division of Black Knight, Inc.
In this special mid-week release we have Alice Alvey on the program to discuss developments with regards to mortgage legislation as the outbreak of the Corona Virus continues to expand!
Alice Alvey is VP of Partner Education and Training for Union Home Mortgage. She is responsible for 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!
The first half of the Lykken on Lending program will feature our Weekly Updates: we’ve got Rob VanRaaphorst with his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Joe Farr providing you a rate & market update, followed by Alice Alvey of Union Home providing a regulatory & legislative update, Allen Pollack giving us a Tech Report of the latest technology impacting our industry and then we wrap up the first half the program with Dr. Andy Schell, aka Doctor Schell the Profit Doctor sharing ideas on how to improve your bottom line.
Check out the Hot Topic segment with Josh Friend, Founder and CEO of Insellerate...
There's a lot that's been changing in the world today! In our Hot Topic segment we're excited to have Josh Friend, Founder and CEO of Insellerate, on the podcast to discuss how technology has been changing the mortgage industry and the opportunities that exist!
Want to know more about Josh Friend?
As the founder and CEO of Insellerate, an industry leading borrower engagement platform, Josh began his career as a loan officer in 1999. In 2003 he opened his first of several successful mortgage companies.
Over the past 20 years, Josh has hired, trained and managed thousands of employees in the mortgage industry and overseen all areas of the mortgage process.
With a keen eye for developing best-in-class sales processes and technology, Josh built his first in house CRM/POS in 2005 and continued to develop software for his mortgage platforms, which has led him to the founding of Insellerate.
Josh's sole focus now is Insellerate and helping lenders close more loans through intelligent borrower engagement and the use of technology.
Insellerate helps Lenders close more loans through better borrower engagement.
Insellerate, the true mortgage CRM, helps lenders close more loans by increasing efficiency gains across sales, marketing, operations, and management.
Learn more...
The first half of the Lykken on Lending program will feature our Weekly Updates: we’ve got Rob VanRaaphorst with his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Joe Farr providing you a rate & market update, followed by Alice Alvey of Union Home providing a regulatory & legislative update, Allen Pollack giving us a Tech Report of the latest technology impacting our industry and then we wrap up the first half the program with Dr. Andy Schell, aka Doctor Schell the Profit Doctor sharing ideas on how to improve your bottom line.
Listen to Ben Teerlink of MobilityRE in this week's Hot Topic segment...
In our Hot Topic this week we have Ben Teerlink, Founder and CEO of MobilityRE.
The discussion will focus on MobilityRE's new Market Intelligence product and more specifically how lenders can use it to be more effective in finding the right real estate agent and broker relationships!
Want to know more about Ben Teerlink?
Having been in real estate for years prior, as well as having earned multiple top producer recognitions, Ben was looking for a way to improve and enhance the mobile technology he could offer both his clients and potential new clients in the local real estate market.
Topics Covered in this Interview:
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MobilityRE's new Market Intelligence product.
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How are lenders using MobilityRE Market Intelligence to be more effective in finding the right real estate agent and broker relationships?
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How are lenders using it for recruiting?
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Where is all the data coming from and how accurate is it?
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How does one go about gaining access to the MMI platform?
Read more...
The first half of the Lykken on Lending program will feature our Weekly Updates: we’ve got Rob VanRaaphorst with his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Joe Farr providing you a rate & market update, followed by Alice Alvey of Union Home providing a regulatory & legislative update, Allen Pollack giving us a Tech Report of the latest technology impacting our industry and then we wrap up the first half the program with Dr. Andy Schell, aka Doctor Schell the Profit Doctor sharing ideas on how to improve your bottom line.
Check out the Hot Topic segment with Chris McEntee, President, ICE Mortgage Services
In our Hot Topic today we have Christopher McEntee, President of ICE Mortgage Services, the business unit responsible for the operations of the Mortgage Electronic Registration System, (“MERS System”) and Simplifile, which are part of Intercontinental Exchange, Inc. (NYSE: ICE).
In this role, McEntee is responsible for the management of ICE Mortgage Services, as well as M&A, partnerships and alliances for various business segments, including mortgage finance and emerging technologies. He started at ICE in March 2011 as Senior Director of Corporate Development.
Prior to joining ICE, McEntee worked at the Federal Home Loan Bank of Atlanta as a Director and managed the marketing of lending programs, supported product development, and served on multiple executive committees. He began his career as an Editor and Bureau Chief for The Bond Buyer, and was the National Editor until 1999.
McEntee earned a Bachelor of Arts in English from St. Michael’s College and a Master of Business Administration from Georgia State University, where he has taught as a part-time professor at the J. Mack Robinson College of Business.
Shifts in the industry landscape regarding eMortgagesSteps companies can be taking to ensure e-readinessBecoming as “e” as you can be - benefits of eRecordingICE Mortgage Services and what the solution can do for the industryEducation: eMortgage Boot Camp on June 23, webinars (including a legal webinar coming up March 25 that our listeners are invited to)
The first half of the Lykken on Lending program will feature our Weekly Updates: we’ve got Rob VanRaaphorst with his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Joe Farr providing you a rate & market update, followed by Alice Alvey of Union Home providing a regulatory & legislative update, Allen Pollack giving us a Tech Report of the latest technology impacting our industry and then we wrap up the first half the program with Dr. Andy Schell, aka Doctor Schell the Profit Doctor sharing ideas on how to improve your bottom line.
Check out the Hot Topic segment with the President of Lenders One, Brian Simon...
In this episode of Lykken on Lending we have Brian Simon, President of Lenders One as our Hot Topic guest!
You'll hear an overview of the various topics that are being covered at the L1 March 2020 Summit in Miami, Florida March 1st - 4th!
Brian leads Lenders One as President and is focused on defining and executing the overall strategic direction of the cooperative.
Brian delivers unique value to members through new benefits, innovative solutions and opportunities to connect.
With over 20 years of mortgage experience, Brian has held many C-level leadership positions at some of the largest independent mortgage banks in the industry, including Chief Operating Officer of New Penn Financial (now known as NewRez), Chief Executive Officer of Caliber Funding LLC (now Caliber Home Loans, Inc.) and Chief Operating Officer of Freedom Mortgage.
Brian has been a long time member of both the Fannie Mae and Freddie Mac Lender Advisory Boards, and has been voted one of the top one hundred mortgage banking executives in the industry.
Topics Covered in this Interview and Sessions at the L1 Summit:
Liquidity for Mortgage BankersCompliance and TechnologyArtificial Intelligence
Check out all the Lenders One conference details here.
The first half of the Lykken on Lending program will feature our Weekly Updates: we’ve got Rob VanRaaphorst with his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Joe Farr providing you a rate & market update, followed by Alice Alvey of Union Home providing a regulatory & legislative update, Allen Pollack giving us a Tech Report of the latest technology impacting our industry and then we wrap up the first half the program with Dr. Andy Schell, aka Doctor Schell the Profit Doctor sharing ideas on how to improve your bottom line.
Check out the Hot Topic segment with Daniel Smith, Faith Swartz and Laura LaRaia...
In today's Hot Topic we have Daniel Smith on the podcast and we're talking about the regulatory changes in mortgage compliance!
Daniel Smith is the Senior Vice President of Government Relations for ComplianceEase, the nation’s leading provider of risk management solutions to the financial services industry.
Smith is responsible for many company-wide initiatives, serves on the steering committee, and chairs the annual Risk and Compliance Summit. During his time with the company, he has fostered collaborative relationships with many of the largest, leading lenders and strategic partners.
Prior to joining ComplianceEase in 2005, Smith managed a consultative team at Fiserv that aided lenders in valuing servicing portfolios.
Smith holds a BA in Philosophy from Calvin College and an MBA from Duke University, where he was named a Fuqua Scholar.
Topics Covered in this Podcast:
Regulatory changes in mortgage complianceExisting solutions to deal with complianceThe 3rd Annual Risk & Compliance Summit
For more information, check out The Risk Compliance Summit happening April 5-7, 2020 at https://riskcompliancesummit.com.
In our Hot Topic today we're talking about the Certified Mortgage Banker (CMB) designation as the mortgage industry symbol of respect, credibility, ethics and achievement.
Our guests in the Hot Topic include:
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Robert (Bob) Broeksmit, CMB, President and CEO, Mortgage Bankers Association
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Madeline Johnson, an Executive Financial Consultant with the Milwaukee office of Milliman, and she is the current chair-woman of the CMB Society.
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Amber Lawrence, the Associate Director of Career Development Programs for the Mortgage Bankers Association. She manages and oversees the MBA’s certification and training programs!
Topics Covered in this Podcast
What is the Certified Mortgage Banker designation?Why would you want to become a CMB?What impact did the CMB designation have on your career?What is the process of becoming a CMB?How are concerns of CMB candidates overcome? Read more...
The first half of the Lykken on Lending program will feature our Weekly Updates: we’ve got Rob VanRaaphorst with his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Joe Farr providing you a rate & market update, followed by Alice Alvey of Union Home providing a regulatory & legislative update, Allen Pollack giving us a Tech Report of the latest technology impacting our industry and then we wrap up the first half the program with Dr. Andy Schell, aka Doctor Schell the Profit Doctor sharing ideas on how to improve your bottom line.
Check out the Hot Topic segment with Robert (Bob) Broeksmit, Madeline Johnson and Amber Lawrence...
We’re excited to have Tyler Sherman back on the podcast in our Hot Topic segment this week!
Tyler Sherman is Chief Revenue Officer for the Origination Technologies division of Black Knight, Inc., a premier provider of integrated software, data and analytics to the mortgage industry. He is responsible for establishing the vision and long-term strategy that combines multiple Black Knight lending products, including artificial intelligence, enterprise business intelligence, point of sale, fee service, pricing, product and eligibility and eClosing. These solutions can integrate with any loan origination system and help all size lenders improve profitability and increase operational efficiency.
Tyler has more than 25 years of entrepreneurship and executive leadership experience across the mortgage and technology industries. Before joining Black Knight, he co-founded Motivity Solutions, a leading provider of business intelligence to mortgage lenders, which was acquired by Black Knight in 2016.
Tyler has a bachelor’s degree in finance and marketing from the University of Colorado, and an MBA degree from the University of Denver
Topics Covered in this Interview: Providing technology to Lenders and Servicers.Helping Lenders improve margins.Covering the entire origination lifecycle from end-to-end.Black Knight’s innovation in the mortgage industry.
The first half of the Lykken on Lending program will feature our Weekly Updates: we’ve got Rob VanRaaphorst with his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Joe Farr providing you a rate & market update, followed by Alice Alvey of Union Home providing a regulatory & legislative update, Allen Pollack giving us a Tech Report of the latest technology impacting our industry and then we wrap up the first half the program with Dr. Andy Schell, aka Doctor Schell the Profit Doctor sharing ideas on how to improve your bottom line.
Check out the Hot Topic segment with Tyler Sherman here...
The first half of the Lykken on Lending program will feature our Weekly Updates: we’ve got Rob VanRaaphorst with his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Joe Farr providing you a rate & market update, followed by Alice Alvey of Union Home providing a regulatory & legislative update, Allen Pollack giving us a Tech Report of the latest technology impacting our industry and then we wrap up the first half the program with Dr. Andy Schell, aka Doctor Schell the Profit Doctor sharing ideas on how to improve your bottom line.
Check out the Hot Topic segment with Logan Mohtashami here...
In today's Hot Topic we're so excited to bring back Logan Mohtashami, Senior Loan Manager at AMC Lending Group, to the program! We're digging into Logan's 2020 Forecast about rates, home prices, sales and one of the key topics: factors that could indicate a recession!
Topics Covered in this Episode:
Mortgage Rates: Where are they going?Home pricesExisting & New home sales2020 EconomicsRecession watch factors
Logan Mohtashami is a financial writer and blogger covering the U.S. economy with a specialization in the housing market. Mohtashami’s work is frequently quoted in BankRate.com and Bloomberg financial. Logan is also a contributor to HousingWire.
Mohtashami has been an invited speaker at the Americatlyst, California Association Of Realtors and the National Association Of Women In Real Estate Business and other economic conferences. He is a recurring guest on Bloomberg Financial where he discusses the health of the housing market.
Called a social media star by National Mortgage News, and “the chart guy” and “housing guru” by nearly everyone else, Mohtashami’s astute analysis of economic data and years of direct lending experience allow him to present a unique, informed and unbiased perspective on the financial markets. Mohtashami is perhaps best known for his highly prescient yearly predictions articles, and his predictions on the state of the housing market and mortgage rate trends published weekly on Bankrate.com.
The first half of the Lykken on Lending program will feature our Weekly Updates: we’ve got Rob VanRaaphorst with his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Joe Farr providing you a rate & market update, followed by Allen Pollack giving us a Tech Report of the latest technology impacting our industry.
Check out the Hot Topic segment with Scott Roller of Vendor Surf...
In this episode of Lykken on Lending we've got Scott Roller, co-Founder at Vendor Surf, with us in order to discuss the next generation of vendor sourcing and oversight as it applies to the mortgage industry!
Learn more about Scott Roller
Scott Roller is Founder of 3W Partners, a consulting rm for ‘all things vendor,’ and he is Co-Founder of Vendor Surf, the industry’s only vendor search engine – with over 3,000 filters.
Scott’s companies are dedicated to revolutionizing sourcing of vendors, monitoring and reporting on the marketplace to provide participants what they need to flourish.
He previously served for 8-years as Director of Vendor Management at a Top-4 bank, and has procured over $4 billion in vendor services.
Scott is a speaker and author on the national circuit, and is passionate when he tells you that, “Nobody Out-Vendors the Surf!”
Topics Covered:
How has vendor sourcing and oversight changed in the past decade?
How are Millennials impacting the change?
What vendor related trends and challenges are you encountering?
What are some advancements our listeners can leverage for better efficiency and reduced risk in vendor selection and oversight?
What future enhancements and innovations can the mortgage industry expect to see in this space?
In our Hot Topic today we've got Marina Walsh here to discuss Loan and Servicer Performance and the unique challenges faced by IMB Servicers!
Marina Walsh is vice president of industry analysis in MBA's research and economics department, specializing in industry performance benchmarking for residential lenders and servicers. She has worked in real estate finance for close to twenty years. Currently, she leads the management and direction for the annual and quarterly Mortgage Bankers Performance Reports, the Servicing Operations Study and Forum, the Peer Group Survey and Roundtable Program, the Mortgage Banking Compensation Survey Program and other ad hoc surveys and policy analyses.
Prior to joining MBA, Walsh was a manager in Ernst and Young's Real Estate Advisory Services Group where her focus was Federal credit program design, implementation and performance measurement. She started her career in the Management Training Program, then subsequently the financial planning division, of the Port Authority of NY & NJ. She holds a bachelor's degree from Cornell University and a Master of Public Administration degree from Columbia University.
Topics Covered in this Episode:
Loan Performance including NDS resultsServicer Performance IndicatorsUnique Challenges for IMB Servicers including Capital and Liquidity Read more...
The first half of the Lykken on Lending program will feature our Weekly Updates: we’ve got Rob VanRaaphorst with his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Joe Farr providing you a rate & market update, followed by Allen Pollack giving us a Tech Report of the latest technology impacting our industry.
Check out Hot Topic segment with Marina Walsh...
The first half of the Lykken on Lending program will feature our Weekly Updates: we’ve got Rob VanRaaphorst with his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Joe Farr providing you a rate & market update, followed by Allen Pollack giving us a Tech Report of the latest technology impacting our industry.
Check out Hot Topic segment with Michael Fratantoni...
In our Hot Topic segment this week we've got Michael Fratantoni on the program to give us his update and outlook for the mortgage industry this year! You won't want to miss this program!
Michael Fratantoni
Chief Economist, Senior Vice President, Research and Industry Technology
Mortgage Bankers Association.
Michael Fratantoni is MBA’s Chief Economist and Senior Vice President of Research and Industry Technology. In this role, he is responsible for overseeing MBA’s industry surveys, benchmarking studies, economic and mortgage originations forecasts, industry technology efforts, and policy development research for both single-family and commercial/multifamily markets. Additionally, Fratantoni is president and member of the Board of Directors of MISMO and serves on the CSP’s Industry Advisory Group and the membership committee of MERS.
Prior to joining MBA, Fratantoni worked in the industry in risk management and senior economist roles at Washington Mutual and Fannie Mae. He received a Ph.D. in economics from Johns Hopkins University and a B.A. in economics from The College of William and Mary, and has served as an adjunct professor at the University of Washington, and Johns Hopkins, George Washington, and Georgetown Universities.
Topics Covered in this Episode:
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Origination Trends
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Mortgage Rate Outlook
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Latest stats on lender profitability
The first half of the Lykken on Lending program will feature our Weekly Updates: we’ve got Rob VanRaaphorst with his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Joe Farr providing you a rate & market update, followed by Allen Pollack giving us a Tech Report of the latest technology impacting our industry.
Check out Hot Topic segment with Krista Mashore...
In today’s Hot Topic we have Krista Mashore, a coach, author, trainer, speaker and broker who will share various ideas on growing your mortgage company by establishing yourself as an authority and expert!
Krista has developed a highly successful real estate career before turning her attention to sharing the secrets to her success through her writing, coaching, speaking, and training.
Krista has sold around 2,000 homes in her career and has been ranked in the Top 1% of Realtors in the entire nation. Krista’s innovative approach flies in the face of conventional wisdom about how Realtors and all business owners should promote and market themselves.
Topics Covered in this Hot Topic Interview: What is the first rule of social media marketing for attraction marketing?What are the best tools to use to become an influencer in marketing?How do you turn loyal customers into brand advocates?How do you create valuable content to educate and entice your audience?How do you increase visibility that will further improve your chances of driving sales from social media? Read more...
In today's Hot Topic segment we've got Matt Rettick, Managing Director of Cool Springs Financial Group!
Matt's passion is to help executives, business owners and high-level professionals create tax-free income for life with NO money out-of-pocket.
He also provides employers with a very unique "Employee Retention and Executive Compensation Strategy" that helps them to Recruit, Retain and Reward the BEST people in their industry. In addition, Matt is able to help his clients pay for their estate taxes at death with NO money out of pocket.
Matt is a veteran of the financial services industry and has gained nationwide recognition since he began his career over 25 years ago.
He is the author of an Amazon #1 Best-Selling book, "All The Rules Have Changed: What You MUST Do To Succeed In The New Financial Reality". Mainstream media's Nashville's News Channel 5, NBC's Today Show, Fox and Friends, FOX Business, MSNBC and others have featured Matt for his up-to-date, lighthearted approach to building financial security.
Read more...
Does your mortgage company have “Superfans” who refer your company to everyone they know?
Whether you have a “Superfan” referral network or not, how would you like to create more referrals?
Today’s Hot Topic segment is certainly one that will inspire you!
Brittany Hodak is a keynote speaker who spoke at the HousingWire Engage event this past summer!
What will you learn in this Interview? What is a “superfan” & why are superfans critical for success in 2020?Why is it impossible to buy customer loyalty?How can salespeople create more organic referrals without spending more time?Why is it critical to be able to tell your own story in a way that resonates?What are the right first steps for anyone looking to build superfans?What’s the Superfan WAVE process? (Making customers feel Welcomed, Appreciated, Validated and Engaged.)And much, much more! Want to know more about Brittany Hodak?
Read more...
In today's Hot Topic we've got Dan Putney, Managing Director of the Americas Community Markets at Finastra with us!
The discussion will start with a focus on technology for the mortgage industry and what Dan's experience has been like implementing Finastra's solutions at various community banks, specialty lenders, and credit unions.
As you will hear in this interview, technology is exciting and can go a long way to improve mortgage business processes and systems, but at the end of the day it's all about delivering a better customer experience.
How are you improving your customer experience?
Read more about Dan Putney...
The first half of the Lykken on Lending program will feature our Weekly Updates: we’ve got Rob VanRaaphorst with his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Joe Farr providing you a rate & market update, followed by Allen Pollack giving us a Tech Report of the latest technology impacting our industry.
Check out Hot Topic segment with Dan Putney...
The first half of the Lykken on Lending program will feature our Weekly Updates: we’ve got Rob VanRaaphorst with his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Joe Farr providing you a rate & market update, followed by Allen Pollack giving us a Tech Report of the latest technology impacting our industry.
Check out Hot Topic segment with Ted Tozer...
In this episode of Lykken on Lending we’ll be featuring Ted Tozer, the former President of Ginnie Mae and currently at the Milken Institute.
The Hot Topic will cover the very provocative program for the return of the annual AMERICATALYST event, which is being held in Dallas from Feb. 10-12, 2020.
The theme this year is ENTROPY: Surviving the New Abnormal.
Ted predicts that almost 40% of current lenders will not survive the next 5 years – join us to find out why!
Want to know more about Ted Tozer?
Theodore Tozer has served as the President of Ginnie Mae since February 24, 2010.
Read more...
In August of 2019, the Federal Housing Finance Agency (FHFA) ruled that Fannie Mae and Freddie Mac are now required to consider alternative credit scoring models.
This has now established a clear path for VantageScore and other new and innovative model developers to compete and elevate the predictiveness and inclusivity of credit scoring models required by the two GSEs.
We've got Barrett Burns, President and CEO at VantageScore Solutions on the podcast today to discuss the significant growth of VantageScore since the ruling by the Federal Housing Finance Agency.
Want to know more about Barrett Burns?
Barrett Burns is president and chief executive officer (CEO) of VantageScore Solutions, LLC, an independently managed joint venture of the three national credit reporting companies, Equifax, Experian and TransUnion, and the company behind the VantageScore® consumer credit scoring model.
Read more...
The first half of the Lykken on Lending program will feature our Weekly Updates: we’ve got Rob VanRaaphorst with his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Joe Farr providing you a rate & market update, followed by Alice Alvey of Union Home providing a regulatory & legislative update, Allen Pollack giving us a Tech Report of the latest technology impacting our industry and then we wrap up the first half the program with Dr. Andy Schell: aka Doctor Schell the Profit Doctor sharing ideas on how to improve your bottom line.
Check out Hot Topic segment with Barrett Burns...
Do you want to take your mortgage company to the next level? Have you considered the various aspects of mergers and acquisitions?
Our guest today is Mark Janssen, Chief Executive Officer at Towne Mortgage Company! This Hot Topic interview covers some really interesting strategies and tactics all about growing and expanding a mortgage company!
Topics including:
1. Expanding the Retail portion of the business at Towne Mortgage
- A strategy of servicing loans and having customers for life
3. Balancing technology and process when it comes to servicing
- The process for working with or acquiring new businesses
5. The financial backer invested in Towne Mortgage in 2014
This is another exciting and interesting topic that provides many ideas, strategies and topics that you'll want to hear!
The first half of the Lykken on Lending program will feature our Weekly Updates: we’ve got Rob VanRaaphorst with his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Joe Farr providing you a rate & market update, followed by Alice Alvey of Union Home providing a regulatory & legislative update, Allen Pollack giving us a Tech Report of the latest technology impacting our industry and then we wrap up the first half the program with Dr. Andy Schell: aka Doctor Schell the Profit Doctor sharing ideas on how to improve your bottom line.
Check out Hot Topic segment with Mark Janssen...
When the subprime market collapsed a decade ago there were some people who overcame the challenges and were led by a guiding principal of “failure is NOT an option.”
In our Hot Topic segment today we’re excited to have Pete Gabrione, COO of Midwest Equity Mortgage / Celebrity Home Loans on the program to share his insights being on both sides of a merger and acquisition!
Want to know more about Pete Gabrione?
Pete Gabrione brings 16 years of mortgage experience to his role as the Chief Operating Officer.
Pete got his start in the mortgage industry in San Diego, CA in 2003. He recognized quickly how subprime lending wasn’t sustainable and anyone who wanted a future in this industry must figure out a better way. This led him to co-found Midwest Equity Mortgage, LLC.
Midwest Equity Mortgage opened their doors in January 2007, right as the mortgage world began to collapse. Using a guiding principal of “failure is NOT an option”, Pete and his partner were able to navigate the troubled times of 2007-2009. The company then went through a tremendous growth phase from 2010 until 2017, opening in several markets and growing loan volume to over $1.5b in 2016 & 2017.
In the summer of 2018, Pete and his partner sold their interest in Midwest Equity and became minority share holders in Celebrity Financial, Inc.
Pete graduated from the University of Illinois in Champaign/Urbana with a bachelor’s degree in Kinesiology. While attending Illinois, he played football.
Read more...
The first half of the Lykken on Lending program will feature our Weekly Updates: we’ve got Rob VanRaaphorst with his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Joe Farr providing you a rate & market update, followed by Alice Alvey of Union Home providing a regulatory & legislative update, Allen Pollack giving us a Tech Report of the latest technology impacting our industry and then we wrap up the first half the program with Dr. Andy Schell: aka Doctor Schell the Profit Doctor sharing ideas on how to improve your bottom line.
Check out Hot Topic segment with Pete Gabrione...
The first half of the Lykken on Lending program will feature our Weekly Updates: we’ve got Rob VanRaaphorst with his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Joe Farr providing you a rate & market update, followed by Alice Alvey of Union Home providing a regulatory & legislative update, Allen Pollack giving us a Tech Report of the latest technology impacting our industry and then we wrap up the first half the program with Dr. Andy Schell: aka Doctor Schell the Profit Doctor sharing ideas on how to improve your bottom line.
Check out Hot Topic segment with Pam Jenkins
In this episode of Lykken on Lending we have Pam Jenkins, President of Willow Bend Mortgage, in our Hot Topic segment sharing her journey to becoming a leader within the mortgage industry!
Founded in 1993, Willow Bend Mortgage (WBM) is celebrating 25 years of serving its customers. They have established themselves as a top mortgage company in the state of Texas. The corporate mission is to be the best mortgage company to work with and to work for. This begins and ends with employing the best team in the industry. The professionals at WBM have one common goal… to provide their customers with the best possible experience in financing their dreams.
WBM is a community-based, relationship lender; however, they provide an industry-leading technology platform that is second to none. This gives them the unique ability to guide their clients through the ever-changing challenges of the mortgage business. They are extremely proud and even more thankful for the relationships they have made with the customers they have served over the last 25 years.
Read more...
In this episode of Lykken on Lending we have 2 guests: Liz Gilchrist Kelly, Director of Research for Ernst Fee Service at Black Knight, and Jan Dalton Clark, Senior Vice President of Sales & Marketing for Ernst Fee Service at Black Knight.
The growing trend of localized and graduated and otherwise hyper-specific tax transfer rates represents both a significant financial risk to lenders as well as an incredible operational challenge. A single mistake could cost a lender tens of thousands of dollars in fee cures at closing – hundreds of thousands in some large metros.
Topics Covered in this Episode: Trends to watch with regard to property transfer taxes,Challenges, losses, and risks faced by lenders in this area,What lenders should do to protect against these losses and stay on top of changes. Read more...
The first half of the Lykken on Lending program will feature our Weekly Updates: we’ve got Rob VanRaaphorst with his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Joe Farr providing you a rate & market update, followed by Alice Alvey of Union Home providing a regulatory & legislative update, Allen Pollack giving us a Tech Report of the latest technology impacting our industry and then we wrap up the first half the program with Dr. Andy Schell: aka Doctor Schell the Profit Doctor sharing ideas on how to improve your bottom line.
Check out Hot Topic segment with Liz Gilchrist Kelly and Jan Dalton Clark ...
This week we have Chris McEntee on the program to discuss the transition to digital mortgages!
Chris McEntee is President of ICE Mortgage Services, the business unit responsible for the operations of the Mortgage Electronic Registration System, (“MERS System”) and Simplifile, which are part of Intercontinental Exchange, Inc. (NYSE: ICE).
In this role, McEntee is responsible for the management of ICE Mortgage Services, as well as M&A, partnerships and alliances for various business segments, including mortgage finance and emerging technologies. He started at ICE in March 2011 as Senior Director of Corporate Development.
Prior to joining ICE, McEntee worked at the Federal Home Loan Bank of Atlanta as a Director and managed the marketing of lending programs, supported product development, and served on multiple executive committees. He began his career as an Editor and Bureau Chief for The Bond Buyer, and was the National Editor until 1999.
McEntee earned a Bachelor of Arts in English from St. Michael’s College and a Master of Business Administration from Georgia State University, where he has taught as a part-time professor at the J. Mack Robinson College of Business.
Read more...
The first half of the Lykken on Lending program will feature our Weekly Updates: we’ve got Rob VanRaaphorst with his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Joe Farr providing you a rate & market update, followed by Alice Alvey of Union Home providing a regulatory & legislative update, Allen Pollack giving us a Tech Report of the latest technology impacting our industry and then we wrap up the first half the program with Andy Schell, a/k/a “Profit Doctor” sharing ideas on how to improve your bottom line.
The first half of the Lykken on Lending program will feature our Weekly Updates: we’ve got Rob VanRaaphorst with his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Joe Farr providing you a rate & market update, followed by Alice Alvey of Union Home providing a regulatory & legislative update, Allen Pollack giving us a Tech Report of the latest technology impacting our industry and then we wrap up the first half the program with Dr. Andy Schell: aka Doctor Schell the Profit Doctor sharing ideas on how to improve your bottom line.
Check out Hot Topic segment with Ryan Hills and Dave Savage...
In this episode we’ve got 2 guests in our Hot Topic segment: Dave Savage of the Mortgage Coach and Ryan Hills of RESource.tv and Movement Mortgage!
RE Source.tv Info:
The guys at the RE Source produce weekly real estate & mortgage videos that are watched nationwide. Host Ryan Hills & Co-Host/Producer Ryan Christensen have been seen on the National Real Estate Post, The Lighter side of Real Estate, Think Big Work Small and various other media outlets.
In addition to video, they continually mastermind with several industry leaders such as Mortgage Coach, The Knowledge Coop, Mortgage Marketing Animals, MBS Highway, Chrisman Report and Keller Williams International. They have also worked with several Industry Advocacy Groups such as Mortgage Bankers Association, National Association of Mortgage Women, WAMP, NAIHP and the NMBA to name a few. The guys at the RE Source have obtained a national audience with their mix of Educational, Motivational and Comedic shows!
They continue to mastermind and produce content with the best of the best! Masterclass Series Interviews with Dave Savage, Sue Woodard, Garth Graham, Barry Habib, Ken Perry, Tim Davis, Kristin Messerli, Coach Bill Hart and many more! Learn more about the Masterclass Series.
Subscribe to TheREsource.tv videos by visiting: www.TheREsource.tv
Mortgage Coach is a SaaS company dedicated to helping mortgage professionals achieve higher levels of success by providing them with mobile apps to deliver better advice and tangible value to home buyers, lenders and Realtors.
You can hear Dave Savage on the Lykken on Lending program back in March of 2018.
Returning to the program today is a regular guest of the Lykken on Lending podcast, and after listening to the interview you'll know why!
Bill Cosgrove, President & CEO at Union Home Mortgage is back in our Hot Topic segment as we continue our series on "Leadership in the Mortgage Industry."
Alice Alvey joins in on the Hot Topic discussion with David and Bill as they all discuss various aspects of great leadership!
One topic covered in this interview is about Bill's support for events like mPower! (Reminder: MBA’s all-day Summit for Women in Real Estate Finance, is just around the corner, taking place this year on October 26th at the Austin Convention Center in Austin, Texas.)
Topics Covered in this Interview
Leadership and the next generation of mortgage banking.Supporting mPower and providing support and opportunities for women in the mortgage industry.Surround yourself with people who want to get better each and every day... and more! Read more...
The first half of the Lykken on Lending program will feature our Weekly Updates: we’ve got Rob VanRaaphorst with his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Joe Farr providing you a rate & market update, followed by Alice Alvey of Union Home providing a regulatory & legislative update, Allen Pollack giving us a Tech Report of the latest technology impacting our industry and then we wrap up the first half the program with Dr. Andy Schell: aka Doctor Schell the Profit Doctor sharing ideas on how to improve your bottom line.
Check out Hot Topic segment with Bill Cosgrove, President & CEO at Union Home Mortgage here...
This is an exciting episode of Lykken on Lending with our Hot Topic special guest, Marcia Davies, Chief Operating Officer for the Mortgage Bankers Association (MBA)!
mPowering You, MBA’s all-day Summit for Women in Real Estate Finance, is just around the corner, taking place this year on October 26th at the Austin Convention Center in Austin, Texas.
Topics Covered in this Interview Key takeaways attendees will gain at the mPower event.Additional mPower events and opportunities for members.The strategic vision of the MBA going above and beyond to drive change and create new opportunities for industry professionals of all backgrounds… and more! Want to know more about Marcia Davies?
Marcia Davies is Chief Operating Officer for the Mortgage Bankers Association (MBA). As COO, Marcia is responsible for ensuring cross-organizational alignment and facilitating the implementation of strategic initiatives, as well as maintaining oversight of key organizational priorities.
Marcia is the founder of mPower – MBA Promoting Opportunities for Women to Extend their Reach...
Read more...
The first half of the Lykken on Lending program will feature our Weekly Updates: we’ve got Rob VanRaaphorst with his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Joe Farr providing you a rate & market update, followed by Alice Alvey of Union Home providing a regulatory & legislative update, Allen Pollack giving us a Tech Report of the latest technology impacting our industry and then we wrap up the first half the program with Dr. Andy Schell: aka Doctor Schell the Profit Doctor sharing ideas on how to improve your bottom line.
Check out the full episode including the Hot Topic segment with Marcia Davies, COO of the MBA here...
This is an exciting episode of Lykken on Lending with a returning guest, Dr. Alan Barnard, Decision Scientist and Theory of Constraints Expert!
In Dr. Alan’s previous interview on the Lykken on Lending program on April 29th, 2019 he discussed the concepts behind the Theory of Constraints and shared some of his incredible successes he’s found in various industries as people apply his teaching to various systems within their business.
Today Dr. Alan is back to expand on his teaching and tell us about a Masterclass he has coming up in Austin, Texas just prior to the MBA Annual Conference!
Topics covered: Understanding the differences between achieving the best performance vs. average performance.Increase your goal until you believe it’s impossible to achieve, then ask yourself, “It’s impossible… unless…”Helping individuals and businesses make better faster decisions. Read more...
The first half of the Lykken on Lending program will feature our Weekly Updates: we’ve got Rob VanRaaphorst with his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Joe Farr providing you a rate & market update, followed by Alice Alvey of Union Home providing a regulatory & legislative update, Allen Pollack giving us a Tech Report of the latest technology impacting our industry and then we wrap up the first half the program with Dr. Andy Schell: aka Doctor Schell the Profit Doctor sharing ideas on how to improve your bottom line.
Weekly Mortgage Updates
The first half of the Lykken on Lending program will feature our Weekly Updates: we’ve got Rob VanRaaphorst with his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Joe Farr providing you a rate & market update, followed by Alice Alvey of Union Home providing a regulatory & legislative update, Allen Pollack giving us a Tech Report of the latest technology impacting our industry and then we wrap up the first half the program with Andy Schell, a/k/a “Profit Doctor” sharing ideas on how to improve your bottom line.
Check out the Hot Topic segment here...
In our Hot Topic segment this week we have Scot Rose, Chief Innovation Officer of Class Valuation, with us to discuss the advancements in the appraisal industry due to available technology!
Scot Rose, Chief Innovation Officer
Scot Rose joined Class Valuation in April 2018 as the Chief Innovation Officer. He has over 18 years of valuation industry experience. Prior to joining Class, he was President of Valuation Connect and served two terms as the former Vice Chair of the Colorado Board of Real Estate Appraisers. Scot is focused on the advancement of product and platform innovation and strategic vision.
Talking Points/Questions:
Current challenges facing the valuation space todayThe GSE’s modernization initiativesWhat types of appraisal technology are being piloted today?What value will these modernization efforts bring to lenders?Where the appraisal space ?is ?headed in the future? Read more...
As part of our Leadership Series on the Lykken on Lending program, we’re very excited to welcome Ken Jones into the Hot Topic segment this week!
Ken Jones is the President at resX Warehouse Lending, a Division of United Bank, and he’s on the program today to discuss a key topic about expanding your business, and it all comes down to what he refers to as the pillars of successful leadership!
Pillars of Successful Leadership
As Ken points out in his notes for this interview, effective leadership must have a foundation of trust. Beyond that, here are the three topics he’ll cover in his interview on the pillars of successful leadership: Creating a Vision (cause, purpose, collaboration)Being Vulnerable (I don’t know everything, use resources, admit to mistakes, be caring and humble)Doing What’s Right (protect the company means protecting the teammate) With Ken’s extensive career as a leader in the mortgage industry, check out this Hot Topic interview and be sure to share it with your team! With Ken sharing so many of his personal experiences as a leader there’s so much to learn from him!
More About Ken Jones
Ken Jones, Senior Executive with extensive experience in business expansion; corporate change management; mergers and acquisitions; sales force recruiting/management; and strategy development.
Areas of Expertise: Developing and launching new business ventures in both bank and non-bank environments. A subject matter expert in Warehouse Lending and Mortgage Banking.
Read more...
Weekly Mortgage Updates
The first half of the Lykken on Lending program will feature our Weekly Updates: we’ve got Rob VanRaaphorst with his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Joe Farr providing you a rate & market update, followed by Alice Alvey of Union Home providing a regulatory & legislative update, Allen Pollack giving us a Tech Report of the latest technology impacting our industry and then we wrap up the first half the program with Andy Schell, a/k/a “Profit Doctor” sharing ideas on how to improve your bottom line.
Check out the Hot Topic segment here...
On this episode of Lykken on Lending we have Steven Cooley, Founder and CEO of Art Vs. Math.
Art Vs. Math is a hyper creative, numbers obsessed business consultancy that develops solutions for complex challenges, while finding big ideas to generate revenue. Prior to founding Art Vs. Math LLC, Steven was the Digital Marketing Director for Finance of America Holdings and Finance of America Reverse.
Steven’s diverse business experience spans from founding a Social Media SaaS startup, Software Development startup, and business to business prints sales.
Steven has also consulted various Venture Capital firms, Hard Money Lenders, and Investors over the course of his career on market viability, product placement, and marketing/business intelligence strategies. In a previous life, Steven Cooley was piano based singer/songwriter signed to an indie label in Indianapolis, IN. When not working or at the gym, Steven spends time with his wife, and two sons.
Topics Covered in this Hot Topic Interview: Digital Marketing for MortgagesContent Marketing with TractionReputation Management for You and Your Business Read more...
The first half of the Lykken on Lending program will feature our Weekly Updates: we’ve got Rob VanRaaphorst with his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Joe Farr providing you a rate & market update, followed by Alice Alvey of Union Home providing a regulatory & legislative update, Allen Pollack giving us a Tech Report of the latest technology impacting our industry and then we wrap up the first half the program with Andy Schell, a/k/a “Profit Doctor” sharing ideas on how to improve your bottom line.
Read more...
The first half of the Lykken on Lending program will feature our Weekly Updates: we’ve got Rob VanRaaphorst with his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Joe Farr providing you a rate & market update, followed by Alice Alvey of Union Home providing a regulatory & legislative update, Allen Pollack giving us a Tech Report of the latest technology impacting our industry and then we wrap up the first half the program with Andy Schell, a/k/a “Profit Doctor” sharing ideas on how to improve your bottom line.
Read more...
Do you know what's happening in RegTech when it comes to the mortgage industry?
In this episode of Lykken on Lending we have a Hot Topic all about RegTech and how technology can be used when it comes to regulations that affect the mortgage industry!
Our Hot Topic Guests
Tune in to listen to our three guests: Dan Smith of Compliance Ease, Thomas Hennen of Calyx Software, and Jeremy Windham of the Alabama State Banking Department.
ComplianceEase® is a leading provider of intelligent business solutions to financial services institutions.
Calyx Software is a quality loan origination software and they are revolutionizing the loan origination process.
Topics Covered in this Interview:
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Why is RegTech important from a regulator’s perspective?
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What have the states done to accomplish faster loan review times?
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What happened in 2014?
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What are the states doing?
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What are the other options?
Read more...
In this episode of Lykken on Lending we have the CEO of The Money Source,Darius Mirshahzadeh, on the program in our Hot Topic segment!
The Money Source is a nationwide technology-driven mortgage company that was founded in 1997. Before becoming CEO, Darius was previously the senior vice president of wholesale lending at Pacific Union Financial and graduated MIT's entrepreneurial master's program.
Topics Covered in the Episode: Future expectations of what homeowners are going to look for when choosing to work with lenders and servicers.The disruption that may occur for the process of mortgage lending and servicing due to technologies like AI and block chain?Building a high-performance company using core values.
The first half of the Lykken on Lending program will feature our Weekly Updates: we’ve got Rob VanRaaphorst with his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Joe Farr providing you a rate & market update, followed by Alice Alvey of Union Home providing a regulatory & legislative update, Allen Pollack giving us a Tech Report of the latest technology impacting our industry and then we wrap up the first half the program with Andy Schell, a/k/a “Profit Doctor” sharing ideas on how to improve your bottom line.
Read more...
In this special episode of Lykken on Lending we have Alice Alvey hosting the program! The Hot Topic will focus on three short interviews that David Lykken did with Marina Walsh, Julie Kind and Bronwyn Morrissey during a Mortgage Bankers Association conference.
Listen in to learn more about the various ways that can be used to promote opportunities for women to extend their reach within the mortgage industry.
Learn more about Alice Alvey
Alice Alvey is VP of Partner Education and Training for Union Home Mortgage. She is responsible for 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!
Read more...
As usual, the first half of the program will feature Joe Farr providing you a rate & market update, followed by Les Parker’s Market-Logics Live, a macroeconomic perspective on the economy with a music parody. Next is Alice Alvey of Union Home providing a regulatory & legislative update followed by Allen Pollack giving us a Tech Report of the latest technology impacting our industry. Then we wrap up the first half the program with Andy Schell, a/k/a “Profit Doctor” sharing ideas on how to improve your bottom line.
If you want to check out the Hot Topic from this episode, you can click here.
Do you really get how important social media marketing can be for your mortgage company? Do you have an effective social marketing strategy? How's that working for you?
In today's Hot Topic segment we have another great interview with the Movement Mortgage team, Jake Fehling, Vice President of Marketing for Movement Mortgage.
A perennial member of the Inc. 5000 list, Movement is one of the fastest growing private mortgage lenders in the country. Jake previously held the roles of Vice President, Content & Social Strategy and Vice President, Communications & Public Relations for the company.
Prior to his career in the financial services industry, Jake spent four years in executive search in the life sciences, leading or assisting on multiple senior-level searches in the medical device, biotech and digital health sectors. Jake’s early career was rooted in sports business, where he led international media operations for the U.S. Olympic Committee, USA Baseball and the International Baseball Federation. He co-directed CoSport’s officially-licensed Beijing 2008 Olympic Games hospitality program and helped manage multi-million dollar sales programs for four USGA U.S. Open Championships.
Jake is a speaker, writer and hosts multiple podcasts, including Front Office Exchange, which highlights the careers of executives in sports business. He was a recipient of a Triangle Business Journal 40 Under 40 Leadership Award in 2012. Jake and his wife, Page Crawford Fehling – host of “Good Day Charlotte” on FOX46 – team together to offer personal and professional development training to corporate partners and through area groups such as SkillPop. Graduates of the University of North Carolina –
Read more about Jake here...
As usual, the first half of the program will feature Joe Farr providing you a rate & market update, followed by Les Parker’s Market-Logics Live, a macroeconomic perspective on the economy with a music parody. Next is Alice Alvey of Union Home providing a regulatory & legislative update followed by Allen Pollack giving us a Tech Report of the latest technology impacting our industry. Then we wrap up the first half the program with Andy Schell, a/k/a “Profit Doctor” sharing ideas on how to improve your bottom line.
If you want to check out the Hot Topic from this episode, you can click here.
In this episode of Lykken on Lending we'll have George Stoltz on the program speaking LIVE from the Lenders One Summit happening in Seattle!
George Stoltz is a well-known resource within technology and operational processes within the mortgage industry and has a long history of leading project teams in various technology driven platform integrations, strategy creation, and driving nationwide sales.
At the Lenders One Mortgage Cooperative, George manages the vendor relationships and is instrumental in developing effective strategies in solving for Lenders One Member challenges as it relates to technology solutions, operational inefficiencies, and reduction in overall loan manufacturing costs.
Prior to Lenders One, George spent most of the last decade at Freddie Mac managing various technical integrations with mortgage lenders in adopting Freddie Mac platform technology in support of what is now known as the Loan Advisor Suite, introducing sales strategies nationwide, and navigating the many challenges that come with the Uniform Mortgage Data Program requirements during a state of continuous change driven by legislation and the market environment. George started in the mortgage industry as an originator approximately 20 years ago and quickly moved to owning his own mortgage company while experiencing just about every aspect the mortgage industry had to offer.
In addition to owning his own mortgage company within the Mid-Atlantic region, George also served in the
military programming satellites for targeting and imagery.
He currently resides with his family on Kent Island, Maryland.
Read more...
As usual, the first half of the program will feature Joe Farr providing you a rate & market update, followed by Les Parker’s Market-Logics Live, a macroeconomic perspective on the economy with a music parody. Next is Alice Alvey of Union Home providing a regulatory & legislative update followed by Allen Pollack giving us a Tech Report of the latest technology impacting our industry. Then we wrap up the first half the program with Andy Schell, a/k/a “Profit Doctor” sharing ideas on how to improve your bottom line.
If you want to check out the Hot Topic from this episode, you can click here.
In this episode of Lykken on Lending we've got Regina Lowrie as our guest in the Hot Topic segment! It'll be a great discussion on the mortgage fintech world of technology and the importance of security for all mortgage financial transactions.
Regina M. Lowrie is President and CEO of DYTRIX, Inc., and RML Investments Inc., d/b/a RML Advisors. Both companies are headquartered in Blue Bell, Pennsylvania.
Dytrix is a financial technology company that enables secure financial transactions for institutions through the Dytrix Platform which includes wire/ACH transfer validation and closing agent management.
RML Advisors serves the financial services community as an independent advisor and consultant.
Prior to founding Dytrix and RML Advisors, Ms. Lowrie was President of Vision Mortgage Capital, a division of Continental Bank, and Senior Vice President of Continental Bank. Previous to Vision Mortgage Capital, Ms. Lowrie was Founder/Chief Executive Officer of Gateway Funding Diversified Mortgage Services 1994-2006, a $3.2 Billion Mortgage Banker.
Ms. Lowrie is currently on the Board of Directors of Cherry Hill Mortgage Investment Corporation as an Independent Director; Compensation Committee Chairman and Audit Committee Member; Board of Directors of The Union League of Philadelphia; and, on the Advisory Board of Get Credit Healthy. Regina served for 13 years on Montgomery County Community College Board of Trustees, Foundation Board and Treasurer and 10 years on Gwynedd-Mercy University Board of Trustees; Finance and Audit Committee Member.
Ms. Lowrie was the first woman Chairman of the national Mortgage Bankers Association (“MBA”) in 2005 and continues to serve on many committees. Read more...
As usual, the first half of the program will feature Joe Farr providing you a rate & market update, followed by Les Parker’s Market-Logics Live, a macroeconomic perspective on the economy with a music parody. Next is Alice Alvey of Union Home providing a regulatory & legislative update followed by Allen Pollack giving us a Tech Report of the latest technology impacting our industry. Then we wrap up the first half the program with Andy Schell, a/k/a “Profit Doctor” sharing ideas on how to improve your bottom line.
If you want to check out the Hot Topic from this episode, you can click here.
This week we'll have Ken Jones, President of resX, a division of United Bank - and we’re going to have a conversation on Annual Inspections!
Ken Jones brings over 25 years of experience as a business owner and leader in the consumer finance and mortgage banking industry to his current position as President of resX Warehouse Lending. He joined United Bank in 2017 with a mandate to reestablish and grow the bank’s Warehouse lending business.
In 2001, Ken was an entrepreneur; acquiring an independent mortgage business and successfully selling it to Atlantic Coast Bank in 2008. There, he continued as head of Atlantic Coast Bank’s mortgage finance division; leading the bank’s transition from a portfolio lender to secondary market lending, and launching its successful nationwide community bank warehouse lending business. Prior to United Bank, Ken was the EVP of ConsumerLending at First Guaranty Mortgage Corp (FGMC) where he led the company’s Retail lending, Marketing, and Warehouse lending organizations. He has also led national and regional branch office networks for Fortune 100 companies including Bank of America and ITT.
He is passionate about ensuring a positive experience for every customer, and believes integrity is the primary foundation for any venture.
Read more...
Topics Covered in this Episode: Annual Inspection TimingVendors involved with inspectionsAssociated Fixed and Variable CostsThe Critical Purpose and ImportanceThe Benefits of Annual Inspections!
One of the hottest topics in the mortgage industry right now is in the area of using Artificial Intelligence in order to grow your business!
For that reason, we have Roman Vinfield on the program today as our guest in order to run through the essentials for what you should know in this growing area of technology for the Mortgage Industry!
Roman Vinfield, of Ai Assist powered by Conversica, is an A.I. technology sales and marketing expert focused on lending and financial services.
Comprised of conversational, human-like Artificial Intelligence innovation, AI Assist’s suite of solutions is powered by Conversica—an AI-driven, machine-learning software that engages customers in personalized, 2-way dialogue. Together with several other leading AI companies, AI Assist enables organizations to transform their business and achieve significant growth through digital innovation.
As usual, the first half of the program will feature our Weekly Reports: we’ve got Rob VanRaaphorst with his MBA Mortgage Minute, and then Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Joe Farr providing you a rate & market update, followed by Alice Alvey of Union Home providing a regulatory & legislative update, Allen Pollack giving us a Tech Report of the latest technology impacting our industry and then we wrap up the first half the program with Andy Schell, a/k/a “Profit Doctor” sharing ideas on how to improve your bottom line.
As usual, the first half of the program will feature Joe Farr providing you a rate & market update, followed by Les Parker’s Market-Logics Live, a macroeconomic perspective on the economy with a music parody. Next is Alice Alvey of Union Home providing a regulatory & legislative update followed by Allen Pollack giving us a Tech Report of the latest technology impacting our industry. Then we wrap up the first half the program with Andy Schell, a/k/a “Profit Doctor” sharing ideas on how to improve your bottom line.
If you want to check out the Hot Topic from this episode, you can click here.
Are you using your Social Media outlets effectively for serving your customers and building your brand?
You might be a bit shocked to realize how important this is in the world we live in today!
In our Hot Topic segment this week we've got Sue Woodard.
Sue Woodard brings nearly 30 years of financial services and mortgage industry experience, strategic vision and leadership to her role as Chief Customer Officer – where her focus is on helping customers achieve greater productivity and long-term success. Sue started her career at the ground level, became a top producer, then leveraged her knowledge to become a highly acclaimed industry speaker, subject matter expert and technology executive.
In addition to having hosted a successful financial radio program and making guest appearances on CNBC, Sue has been awarded numerous industry honors, including the NMP Most Powerful Women in Mortgage Banking, the MPA HOT 100 list, the Housing Wire Vanguard Award, and the NMP Most Innovative Award. She also serves on the board of HOPE4Youth, a local non-profit working to end youth homelessness.
Learn more about Total Expert...
Read more about Sue Woodard...
As usual, the first half of the program will feature Joe Farr providing you a rate & market update, followed by Les Parker’s Market-Logics Live, a macroeconomic perspective on the economy with a music parody. Next is Alice Alvey of Union Home providing a regulatory & legislative update followed by Allen Pollack giving us a Tech Report of the latest technology impacting our industry. Then we wrap up the first half the program with Andy Schell, a/k/a “Profit Doctor” sharing ideas on how to improve your bottom line.
If you want to check out the Hot Topic from this episode, you can click here.
We've got a Hot Topic interview this week that is sure to be an inspiration for everyone! For anyone in the mortgage industry (and even for those outside of this industry) this is a must listen-to interview that you won't want to miss!
Our guest this week is Casey Crawford, Movement Mortgage CEO | Movement Bank Chairman. He'll be on the podcast to discuss the extraordinary journey that has brought Movement Mortgage from zero to becoming the 8th largest lender in the nation!
Topics Covered in this Interview Starting Movement Mortgage with a visionGrowing the company to what is now the 8th largest lender in the nationThe challenges experienced along the way! If you're interested in seeing a VERY inspirational video, check out the Movement Mortgage website and this video.
Learn more about Casey Crawford and find out more about the movement happening at Movement Mortgage!
As usual, the first half of the program will feature Joe Farr providing you a rate & market update, followed by Les Parker’s Market-Logics Live, a macroeconomic perspective on the economy with a music parody. Next is Alice Alvey of Union Home providing a regulatory & legislative update followed by Allen Pollack giving us a Tech Report of the latest technology impacting our industry. Then we wrap up the first half the program with Andy Schell, a/k/a “Profit Doctor” sharing ideas on how to improve your bottom line.
As usual, the first half of the program will feature Joe Farr providing you a rate & market update, followed by Les Parker’s Market-Logics Live, a macroeconomic perspective on the economy with a music parody. Next is Alice Alvey of Union Home providing a regulatory & legislative update followed by Allen Pollack giving us a Tech Report of the latest technology impacting our industry. Then we wrap up the first half the program with Andy Schell, a/k/a “Profit Doctor” sharing ideas on how to improve your bottom line.
If you want to check out the Hot Topic from this episode, you can click here.
Have you considered taking action with one of the hottest growing trends in the mortgage industry? It's certainly something that nearly all mortgage professionals are talking about!
In today's Hot Topic segment we've got Vince Parlove, Director of Wholesale Development at United Wholesale Mortgage, as our guest to talk about this growing channel in the mortgage industry!
Vince Parlove started his career right out of college with The Associates Financial Services as an Account Representative. His role was fairly broad at the Associates from writing small personal loans thru Auto loans and Residential Mortgages. Great training ground! After the Associates he owned a Wholesale company called Franklin Mortgage Funding/FMF Capital and started his career in the Broker/Wholesale world. That company was a startup and he took that organization to 600 employees and a high water mark of over 5bb in volume.
After the run at FMF Capital, Vince joined an organization called Michigan Mutual. He brought over a Retail/Consumer Direct piece to them. As that piece grew he was asked to become the President of the organization and oversee both the wholesale and retail channel. He grew that organization to approximately 500 employees and 2bb dollars in annual volume at its height. Today Vince is the Director of Wholesale Development at UWM. He has a team that helps folks set up their entity, get their Independent Mortgage Broker license, get approved with respective Wholesale lenders and finally build their business.
Read more...
The first half of the Lykken on Lending program will start with Rob VanRaaphorst and his MBA Mortgage Minute. Next up is Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. Then we have Alice Alvey of Union Home providing a regulatory & legislative update followed by Allen Pollack giving us a Tech Report of the latest technology impacting our industry. To wrap up the first half the program we have Andy Schell, a/k/a “Profit Doctor” sharing ideas on how to improve your bottom line.
If you want to check out the Hot Topic from this episode, you can click here.
The first half of the Lykken on Lending program will start with Rob VanRaaphorst and his MBA Mortgage Minute. Next up is Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. Then we have Alice Alvey of Union Home providing a regulatory & legislative update followed by Allen Pollack giving us a Tech Report of the latest technology impacting our industry. To wrap up the first half the program we have Andy Schell, a/k/a “Profit Doctor” sharing ideas on how to improve your bottom line.
If you want to check out the Hot Topic from this episode, you can click here.
In this special Father's Day episode of Lykken on Lending, David Lykken will be interviewing Chris George, Founder, President and CEO of CMG Financial.
Christopher M. George has spent three decades cultivating an organization capable of sustaining and thriving through cyclical market fluctuations. He accomplished this through responsible risk management while identifying and capitalizing on key emerging markets. George prioritizes regulatory compliance and champions industry and consumer advocacy through direct participation at the local, state and federal levels, served as the former Chairman of the CMBA and was a member of the Board of Directors of the MBA.
As part of this interview, we'll also have Chris George's family on the show: AJ, Phil, Harrison, and Adam who are all part of the mortgage industry!
As usual, the first half of the program will feature Joe Farr providing you a rate & market update, followed by Les Parker’s Market-Logics Live, a macroeconomic perspective on the economy with a music parody. Next is Alice Alvey of Union Home providing a regulatory & legislative update followed by Allen Pollack giving us a Tech Report of the latest technology impacting our industry. Then we wrap up the first half the program with Andy Schell, a/k/a “Profit Doctor” sharing ideas on how to improve your bottom line.
Read more...
The first half of the Lykken on Lending program will start with Rob VanRaaphorst and his MBA Mortgage Minute. Next up is Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. Then we have Alice Alvey of Union Home providing a regulatory & legislative update followed by Allen Pollack giving us a Tech Report of the latest technology impacting our industry. To wrap up the first half the program we have Andy Schell, a/k/a “Profit Doctor” sharing ideas on how to improve your bottom line.
Read more...
In this episode of Lykken on Lending we continue on with a discussion with our regular guests on various Hot Topics affecting the mortgage industry, including leadership, 360 management, and technology.
Some of the topics in this discussion will cover: Planning for the future of the mortgage industryCustomer service and how it affects your bottom-lineBuilding relationships that last through various mortgage cycles As usual, the first half of the program will feature Joe Farr providing you a rate & market update, followed by Les Parker’s Market-Logics Live, a macroeconomic perspective on the economy with a music parody. Next is Alice Alvey of Union Home providing a regulatory & legislative update followed by Allen Pollack giving us a Tech Report of the latest technology impacting our industry. Then we wrap up the first half the program with Andy Schell, a/k/a “Profit Doctor” sharing ideas on how to improve your bottom line.
The first half of the Lykken on Lending program will start with Rob VanRaaphorst and his MBA Mortgage Minute. Next up is Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. Then we have Alice Alvey of Union Home providing a regulatory & legislative update followed by Allen Pollack giving us a Tech Report of the latest technology impacting our industry. To wrap up the first half the program we have Andy Schell, a/k/a “Profit Doctor” sharing ideas on how to improve your bottom line.
Read more...
In this episode of Lykken on Lending we have a discussion planned with our regular guests on various Hot Topics affecting the mortgage industry, including leadership, 360 management, and technology.
Some of the topics in this discussion will cover: Planning for the future of the mortgage industryCustomer service and how it affects your bottom-lineBuilding relationships that last through various mortgage cycles As usual, the first half of the program will feature Joe Farr providing you a rate & market update, followed by Les Parker’s Market-Logics Live, a macroeconomic perspective on the economy with a music parody. Next is Alice Alvey of Union Home providing a regulatory & legislative update followed by Allen Pollack giving us a Tech Report of the latest technology impacting our industry. Then we wrap up the first half the program with Andy Schell, a/k/a “Profit Doctor” sharing ideas on how to improve your bottom line.
In this episode of Lykken on Lending we've got a special Memorial Day episode that will focus on industry trends happening in the mortgage industry.
After attending the MBA Secondary Conference this past week, David Lykken will provide his perspective and some of the key takeaways that he got while attending the conference and meeting other mortgage industry professionals.
The MBA's National Secondary Market Conference and Expo is one of the largest opportunities to network and meet key decision makers in the mortgage industry and it took place this past week between May 19-21, 2019 in New York City.
This was a must-attend event and was an ideal location to make the connections you need to take your business to the next level.
Check out this episode to stay on top of all the latest developments in the mortgage industry.
Topics Covered in this Episode: Current Trends for the Mortgage IndustryKey Takeaways from the MBA Secondary Conference in New YorkBenefits and Insights for Attending MBA Conferences Read more...
The first half of the Lykken on Lending program will start with Rob VanRaaphorst and his MBA Mortgage Minute. Next up is Les Parker’s TMSpotlight, a macroeconomic perspective on the economy with a music parody. Then we have Alice Alvey of Union Home providing a regulatory & legislative update followed by Allen Pollack giving us a Tech Report of the latest technology impacting our industry. To wrap up the first half the program we have Andy Schell, a/k/a “Profit Doctor” sharing ideas on how to improve your bottom line.
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In this episode of Lykken on Lending we have Brenda Clem and Jack Nunnery in our Hot Topic segment discussing key components for lenders when it comes to the adoption and the readiness assessment for digital solutions and eNotes.
Brenda B. Clem, CMB
Pavaso, Executive Vice President Capital Markets & Blockchain
Brenda is the Executive Vice President of Capital Markets at Pavaso, a division of Old Republic Title where she is the business lead for the Capital Markets/Blockchain initiative. Previously, she has served in the mortgage industry with over 30 years of experience in operations, warehouse lending, secondary and capital markets. Brenda is an active member of The Mortgage Bankers Association with a Certified Mortgage Banker certificate and has served on various committees within MBA and MISMO. She is currently co-chair of the eWarehouse Workgroup, frequently speaking at industry events, authoring several industry articles and an industry evangelist for eNote and eMortgage adoption. At Pavaso, she uses her industry knowledge and leadership to implement new standards for industry practices which improves compliance, profitability and transparency in the mortgage transaction.
Contact email: bclem@pavaso.com Cell: 513.309.1306
Jack Nunnery
President of Mortgage Finance at Texas Capital Bank
Management responsibility for multiple business lines including Warehouse Lending, Correspondent Lending and MSR Financing at a mid tier publicly trade financial institution
Reporting structure includes Sales, Operational Fulfillment, Capital Markets, Quality Control, Servicing and Risk Management.
Topics Covered in this Episode:
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Understanding eNotes and eClosing Electronic Signatures
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Education and Awareness aboutDigital Solutions for the Mortgage Industry
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2020 Roadmap and Becoming eReady at GinnieMae
In this special Mother's Day episode of Lykken on Lending we have 2 Hot Topic interviews for you: Marcia Davies and her daughter Emily Davies as well as Jason Frazier and his mother, Marilyn Richardson.
Marcia Davies is the Chief Operating Officer and Founder of mPower at Mortgage Bankers Association. Her daughter, Emily Davies, is the Senior Customer Relationship Manager for Freddie Mac.
Jason Frazier specializes in Real Estate & Mortgage Marketing, Social Media, Technology, and Branding for the modern consumer.
Ms. Richardson is the President and CEO for Mason-McDuffie Mortgage Corporation and a member of the Board of Directors. She is responsible for the operations of the Company, including the Finance, Capital Markets, Administration and Operation departments (underwriting, compliance, closing and post closing).
As usual, the first half of the program will feature Joe Farr providing you a rate & market update, followed by Les Parker’s Market-Logics Live, a macroeconomic perspective on the economy with a music parody. Next is Alice Alvey of Union Home providing a regulatory & legislative update followed by Allen Pollack giving us a Tech Report of the latest technology impacting our industry. Then we wrap up the first half the program with Andy Schell, a/k/a “Profit Doctor” sharing ideas on how to improve your bottom line.
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In this special Mother's Day episode of Lykken on Lending we have 2 Hot Topic interviews for you: Marcia Davies and her daughter Emily Davies as well as Jason Frazier and his mother, Marilyn Richardson.
Marcia Davies is the Chief Operating Officer and Founder of mPower at Mortgage Bankers Association. Her daughter, Emily Davies, is the Senior Customer Relationship Manager for Freddie Mac.
Jason Frazier specializes in Real Estate & Mortgage Marketing, Social Media, Technology, and Branding for the modern consumer.
Ms. Richardson is the President and CEO for Mason-McDuffie Mortgage Corporation and a member of the Board of Directors. She is responsible for the operations of the Company, including the Finance, Capital Markets, Administration and Operation departments (underwriting, compliance, closing and post closing).
As usual, the first half of the program will feature Joe Farr providing you a rate & market update, followed by Les Parker’s Market-Logics Live, a macroeconomic perspective on the economy with a music parody. Next is Alice Alvey of Union Home providing a regulatory & legislative update followed by Allen Pollack giving us a Tech Report of the latest technology impacting our industry. Then we wrap up the first half the program with Andy Schell, a/k/a “Profit Doctor” sharing ideas on how to improve your bottom line.
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In this episode of Lykken on Lending we have Barrett Burns, President and CEO of VantageScore Solutions as our guest in the Hot Topic segment.
Barrett Burns is president and chief executive officer (CEO) of VantageScore Solutions, LLC, an independently managed joint venture of the three national credit reporting companies, Equifax, Experian and TransUnion, and the company behind the VantageScore® consumer credit scoring model.
Prior to joining VantageScore as CEO during its formation in 2006, he was executive vice president at U.S. Trust, heading the National Private Banking Group and a member of U.S. Trust’s Executive Committee and the Senior Management Team of parent company, The Charles Schwab Corporation. Previously, he served as executive vice president of global risk management and chairman of the Credit Policy Committee at Ford Motor Credit Company, and as senior vice president and COO of Bank One’s auto finance division, the largest non-captive lender in the U.S. at the time. Burns also spent more than a decade with Citibank, lastly as group credit officer for an international consumer banking division that included operations throughout the U.S. and Europe.
Topic Covered in this Interview: How does VantageScore broaden access to credit but respect safety and soundness principles?What observations has VantageScore had about Millennials?What is trended credit data and how is VantageScore leveraging it? Read more about this episode...
In this episode of Lykken on Lending we have Barrett Burns, President and CEO of VantageScore Solutions as our guest in the Hot Topic segment.
Barrett Burns is president and chief executive officer (CEO) of VantageScore Solutions, LLC, an independently managed joint venture of the three national credit reporting companies, Equifax, Experian and TransUnion, and the company behind the VantageScore® consumer credit scoring model.
Prior to joining VantageScore as CEO during its formation in 2006, he was executive vice president at U.S. Trust, heading the National Private Banking Group and a member of U.S. Trust’s Executive Committee and the Senior Management Team of parent company, The Charles Schwab Corporation. Previously, he served as executive vice president of global risk management and chairman of the Credit Policy Committee at Ford Motor Credit Company, and as senior vice president and COO of Bank One’s auto finance division, the largest non-captive lender in the U.S. at the time. Burns also spent more than a decade with Citibank, lastly as group credit officer for an international consumer banking division that included operations throughout the U.S. and Europe.
Topic Covered in this Interview: How does VantageScore broaden access to credit but respect safety and soundness principles?What observations has VantageScore had about Millennials?What is trended credit data and how is VantageScore leveraging it? Read more about this episode...
In this episode of Lykken on Lending we have Dr. Alan Barnard in our Hot Topic segment for a conversation about the Theory of Constraint and how it applies to the mortgage industry.
"Whether you believe you can do something or can't do something... you're right."
Dr. Alan Barnard is one of the world’s leading Decision Scientist and Theory of Constraints’ experts. Alan, a serial entrepreneur, is the Founder and CEO of Goldratt Research Labs, a company he co-founded in 2008 together with Dr. Eli Goldratt, creator of Theory of Constraints. There was an immediate connection between Alan and Eli after their first meeting in 1993. Alan and Eli were both curious about understanding why good people make and often repeat bad decisions within their life and in managing organizations. They were also both passionate about applying a robust scientific approach to developing new Thinking & Decision making methods and advanced Technologies to help people make better, faster decisions – decisions that move them closer to their goals.
Today, Alan works as a Strategy advisor, Researcher and Theory of Constraint (TOC) expert and educator, with both Fortune 500 companies as well as NGO’s and Government Agencies. His clients include Microsoft, Cargill, Tata Steel, Nike, ABB, BHP, Cisco, South32, SAP, Intel, Penguin Random House, BC Rail, Larsen & Toubro, Premier Foods, Fujitsu, Habitat for Humanity, UNDP, UNWFP and Utah Governor’s Office of Management and Budget.
Alan holds a B.Sc. in Industrial Engineering (Cum Laude, 1991) and MsC and PhD in Management of Technology & Innovation (MOTI).
Learn more and order the book from Dr Alan Barnard here.
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In this episode of Lykken on Lending we have Dr. Alan Barnard in our Hot Topic segment for a conversation about the Theory of Constraint and how it applies to the mortgage industry.
"Whether you believe you can do something or can't do something... you're right."
Dr. Alan Barnard is one of the world’s leading Decision Scientist and Theory of Constraints’ experts. Alan, a serial entrepreneur, is the Founder and CEO of Goldratt Research Labs, a company he co-founded in 2008 together with Dr. Eli Goldratt, creator of Theory of Constraints. There was an immediate connection between Alan and Eli after their first meeting in 1993. Alan and Eli were both curious about understanding why good people make and often repeat bad decisions within their life and in managing organizations. They were also both passionate about applying a robust scientific approach to developing new Thinking & Decision making methods and advanced Technologies to help people make better, faster decisions – decisions that move them closer to their goals.
Today, Alan works as a Strategy advisor, Researcher and Theory of Constraint (TOC) expert and educator, with both Fortune 500 companies as well as NGO’s and Government Agencies. His clients include Microsoft, Cargill, Tata Steel, Nike, ABB, BHP, Cisco, South32, SAP, Intel, Penguin Random House, BC Rail, Larsen & Toubro, Premier Foods, Fujitsu, Habitat for Humanity, UNDP, UNWFP and Utah Governor’s Office of Management and Budget.
Alan holds a B.Sc. in Industrial Engineering (Cum Laude, 1991) and MsC and PhD in Management of Technology & Innovation (MOTI).
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In this episode of Lykken on Lending we have Michael Fratantoni in our Hot Topic segment.
Michael Fratantoni
Chief Economist, Senior Vice President, Research and Industry Technology
Mortgage Bankers Association
Michael Fratantoni is MBA's Chief Economist and Senior Vice President of Research and Industry Technology. In this role, he is responsible for overseeing MBA's industry surveys, benchmarking studies, economic and mortgage originations forecasts, industry technology efforts, and policy development research for both single-family and commercial/multifamily markets. Additionally, Fratantoni is president and member of the Board of Directors of MISMO and serves on the CSP's Industry Advisory Group and the membership committee of MERS.
Prior to joining MBA, Fratantoni worked in the industry in risk management and senior economist roles at Washington Mutual and Fannie Mae. He received a Ph.D. in economics from Johns Hopkins University and a B.A. in economics from The College of William and Mary, and has served as an adjunct professor at the University of Washington, and Johns Hopkins, George Washington, and Georgetown Universities.
Topics Covered in this Episode:
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Outlook for mortgage origination volume
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Outlook for mortgage rates
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Current views on home sales and home price trends
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Latest stats on lender profitability
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In this episode of Lykken on Lending we have Michael Fratantoni in our Hot Topic segment.
Michael Fratantoni
Chief Economist, Senior Vice President, Research and Industry Technology
Mortgage Bankers Association
Michael Fratantoni is MBA's Chief Economist and Senior Vice President of Research and Industry Technology. In this role, he is responsible for overseeing MBA's industry surveys, benchmarking studies, economic and mortgage originations forecasts, industry technology efforts, and policy development research for both single-family and commercial/multifamily markets. Additionally, Fratantoni is president and member of the Board of Directors of MISMO and serves on the CSP's Industry Advisory Group and the membership committee of MERS.
Prior to joining MBA, Fratantoni worked in the industry in risk management and senior economist roles at Washington Mutual and Fannie Mae. He received a Ph.D. in economics from Johns Hopkins University and a B.A. in economics from The College of William and Mary, and has served as an adjunct professor at the University of Washington, and Johns Hopkins, George Washington, and Georgetown Universities.
Topics Covered in this Episode:
-
Outlook for mortgage origination volume
-
Outlook for mortgage rates
-
Current views on home sales and home price trends
-
Latest stats on lender profitability
Read more...
In this episode of Lykken on Lending we have Gabe Minton as our guest in the Hot Topic segment!
Gabe Minton, EVP/CIO Guild Mortgage
Gabe Minton joined Guild Mortgage in 2017 and leads its growing technology and information strategy, positioning the company for future growth. This includes developing next generation platforms and services to continue to enhance Guild’s customer experience and maximize operational efficiencies.
Gabe has more than 25 years of experience in leadership roles with mortgage and technology companies in a variety of settings. He specializes in creating software systems, products and standards and has been responsible for strategy and execution, communications and vendor relations throughout his career.
Prior to joining Guild, Gabe served as senior vice president and chief information officer at PHH Mortgage from 2014 to 2017, where he transformed the information technology division to meet growing regulatory and customer needs for the largest banks.
Gabe also served in senior management, strategy and technology positions with ServiceLink, Motivity Solutions, Accenture Mortgage Cadence and the Mortgage Bankers Association. He was one of the leading architects and founding members of MISMO, the Mortgage Industry Standards Maintenance Organization (a subsidiary of the MBA).
Gabe holds a Bachelor of Science with a double-major in Computer Science and Statistics, and minor in Mathematics from Radford University in Virginia, and a Master of Software Engineering degree from the University of Maryland. He has designed and taught Computer Science and Mortgage Banking technology curriculum for the MBA, George Washington University and Hood College.
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In this episode of Lykken on Lending we have Gabe Minton as our guest in the Hot Topic segment!
Gabe Minton, EVP/CIO Guild Mortgage
Gabe Minton joined Guild Mortgage in 2017 and leads its growing technology and information strategy, positioning the company for future growth. This includes developing next generation platforms and services to continue to enhance Guild’s customer experience and maximize operational efficiencies.
Gabe has more than 25 years of experience in leadership roles with mortgage and technology companies in a variety of settings. He specializes in creating software systems, products and standards and has been responsible for strategy and execution, communications and vendor relations throughout his career.
Prior to joining Guild, Gabe served as senior vice president and chief information officer at PHH Mortgage from 2014 to 2017, where he transformed the information technology division to meet growing regulatory and customer needs for the largest banks.
Gabe also served in senior management, strategy and technology positions with ServiceLink, Motivity Solutions, Accenture Mortgage Cadence and the Mortgage Bankers Association. He was one of the leading architects and founding members of MISMO, the Mortgage Industry Standards Maintenance Organization (a subsidiary of the MBA).
Gabe holds a Bachelor of Science with a double-major in Computer Science and Statistics, and minor in Mathematics from Radford University in Virginia, and a Master of Software Engineering degree from the University of Maryland. He has designed and taught Computer Science and Mortgage Banking technology curriculum for the MBA, George Washington University and Hood College.
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The first half of the Lykken on Lending program each week features Joe Farr providing you a rate & market update, followed by Les Parker’s Market-Logics Live, a macroeconomic perspective on the economy with a music parody.
Next is Alice Alvey of Union Home Mortgage providing a regulatory & legislative update followed by Allen Pollack giving us a Tech Report of the latest technology impacting our industry.
Then we wrap up the first half the program with Andy Schell, a/k/a “Profit Doctor” sharing ideas on how to improve your bottom line.
Check out our Hot Topic this week with Tom Hutchens and hear some of the industry news on:
The Growth of Non-QM Loans with Tom Hutchens of Angel Oak Mortgage Solutions
Read more at Lykken on Lending...
In our Hot Topic segment on April 8th we'll have Tom Hutchens with us talking about the growth of the non-QM loans and how these types of loans have been expanding across the mortgage industry.
Tom is Executive Vice President of Production for Angel Oak Mortgage Solutions, an Atlanta-based wholesale and correspondent lender leading the non-QM space for five years and licensed in 44 states.
Tom has over 18 years of experience in leading sales for a wholesale and correspondent lending platform with proven success in the expansion of a lending footprint nationwide.
Prior to Angel Oak, Tom was a senior sales leader at SouthStar Funding and was responsible for business and sales development across the country. He later served as the President of Novo AMC where he was instrumental in launching the organization.
Topics to be covered in our Hot Topic segment with Tom Hutchens: Why is everyone in the industry talking about non-QM? Why is non-QM the one area of mortgage lending that is growing?Who need these types of loans? What are the characteristics of the typical non-QM borrower?Non-QM – are these loans riskier than QM ones?Why does non-QM matter to me as an originator?How can I grow my business using non-QM? And more!
You can reach Tom by phone at (855) 539-4910 or e-mail Info@AngelOakMS.com.
Read more...
The first half of the Lykken on Lending program each week features Joe Farr providing you a rate & market update, followed by Les Parker’s Market-Logics Live, a macroeconomic perspective on the economy with a music parody.
Next is Alice Alvey of Union Home Mortgage providing a regulatory & legislative update followed by Allen Pollack giving us a Tech Report of the latest technology impacting our industry.
Then we wrap up the first half the program with Andy Schell, a/k/a “Profit Doctor” sharing ideas on how to improve your bottom line.
Check out our Hot Topic this week with Laura Brandao and hear some of the industry news on:
"The Shift in the Mortgage Industry and the Rise of the Mortgage Broker"
Read more at Lykken on Lending...
Do you have your finger on the current state of economics and what's going on with interest rates?
Don't miss this episode of Lykken on Lending with our Hot Topic guests Logan Mohtashami and Les Parker. You'll hear them dive into details about where we've come from as we started 2018, where things are currently positioned, and some of the indications to where rates are going and how you can prepare for this impact on the mortgage industry!
Logan Mohtashami is a financial writer and blogger covering the U.S. economy with a specialization in the housing market. His work has been published by Benzinga.com, Business Insider, and in his own highly respected blog, LoganMohtashami- Financial Truth. His blog articles have been reposted by economic insider sites such as David Stockman’s Contra Corner, dshort.com, and Advisor Perspectives. Mothashami’s work is frequently quoted in HousingWire, BankRate.com, AmericanBanker, and by housing experts such as Danielle DiMartino, Amir Sufi, (Booth School of Business), Anthony Sanders (George Mason University) and reporters from CNBC and the Wall Street Journal.
Les Parker served as the Senior Vice President of Industry Relations and Consulting at LoanLogics, a technology and services provider focused on improving mortgage loan quality, performance, and reliability throughout the loan lifecycle. His responsibilities included managing the company’s life of loan analytics and monitoring capabilities, overseeing consulting services, contributor to strategic planning team, and communicating with industry leaders to develop and maintain positive relationships. He focused on identifying threats and strategic opportunities.
Read More Here
CRMs, data and marketing automation. Are you doing it right?
During today’s interview David Lykken interviews Brent Emler from Velma.com. Velma has been providing CRM and marketing to mortgage lenders since 2007. We know what CRM means, but what is it really?Why is it so hard to successfully implement CRM?Is the mortgage industry’s use of CRM unique?What is the future of CRM and marketing in the mortgage industry? CRM, data, and marketing are the keys to success for lenders in the future.
As usual, the first half of the program will feature Les Parker’s Market-Logics Live, a macroeconomic perspective on the economy with a music parody and then Joe Farr providing you a rate & market update. Next is Alice Alvey of Union Home providing a regulatory & legislative update followed by Allen Pollack giving us a Tech Report of the latest technology impacting our industry. Then we wrap up the first half the program with Andy Schell, a/k/a “Profit Doctor” sharing ideas on how to improve your bottom line.
We appreciate you telling others about the show!
Notes from the show:
As David mentions in this episode, there is a new scam targeting Home Buyers, Realtors and others... you can learn more about it here.
If you've been listening to this podcast, you may begin to see the trends in how very successful leaders think and articulate their thoughts. Our guest today is no exception.
In this episode of the Lykken on Leadership podcast, David and Mark interview Rodrigo Lopez, a man who has a much longer list of leadership positions than space we have on this webpage to post them all!
Some of the past leadership roles Rodrigo has held include the following:
He has served as the past Chief Executive Officer and President of AmeriSphere Multifamily Finance, has been a Director of the Mortgage Bankers Association dating back to October 2009, served as a Member of the Board of Directors at Federal Reserve Bank of Kansas City, and served as a Member of National Advisory Council at Fannie Mae.
In this interview, David and Mark focus on the topic of leadership and Rodrigo brings a very experienced and discerning opinion that makes this another interesting and thought-provoking interview.
Topics covered in this interview: Listen: Importance of Being a Good StewardListen: Leaders offer a view of the FutureListen: Value of Leaders who are Good Listeners Read more at LykkenOnLeadership.com
In this episode, David interviews Bill Cosgrove of Union Home Mortgage.
Bill’s mortgage banking career began in 1986 as a residential loan officer. In 1994 Mr. Cosgrove joined Union Home Mortgage Corp. and in 1998 was named President. Mr. Cosgrove purchased and became 100% stockholder of the company in 1999. The company has grown from 58 million to over 1 billion dollars of loan production during Bill’s leadership of the company. Union Home has built from its roots in Cleveland to a nationally recognized growth company. Listen: Learning so much in my early years of business.Listen: Some of the challenges in the mortgage business in the early years.Listen: How do you identify world-class people to work in your business?Listen: Our 10-point code of conduct creating our company values. Read more: LykkenOnLeadership.com
Gary Ort is the former president of Texas Capital Bank’s Mortgage Finance division and previously held senior level leadership positions on a local, regional and national levels.
Topics Covered in this Interview: Listen: Key to success? Hire people smarter than you.Listen: The top characteristics of great leaders.Listen: Inspired by a great leader named Winston Churchill.Listen: Gary talks about the reason for his success, his wife.Listen: There are two top characteristics every great leader has... Read more at LykkenOnLeadership.com
Joseph J. Murin is currently the Chairman Emeritus of Chrysalis Holdings LLC and the Chairman of JJAM Financial Services LLC. Mr. Murin joined ANC Acquisitions LP in July 2011 as its CEO.
"If you keep moving forward, the doors will open..."
ANC is a Fortress Investment Group financial services company founded to provide products and services to the financial services industry. ANC specialized in the areas of mortgage lending, mortgage servicing, asset-based lending, compliance, and analytics.
"The $300 million lesson I learned in the mid-80s..."
He is the former Chairman and Co-founder of The Collingwood Group LLC. The Collingwood Group’s primary focus is in the financial services sector and offers business advisory services combined with access to decision makers, financial sponsors, corporate boards, and senior industry executives.
"People who are afraid of change are people who are doomed..."
Read more about Joe Murin and listen to more excerpts at LykkenOnLeadership.com
John Robbins is a longtime leader in the American mortgage banking industry.
He founded and operated several national companies over the course of his 35+ year career, selling two of them to large banking corporations.
He served as the chairman of the Mortgage Bankers Association in 2006-2007, leading the organization during one of the industry’s most tumultuous eras, and continues to be active in MBA.
He started in the industry as a loan officer and has remained in the business over his entire career.
Click to check out some of the highlights from this interview with John Robbins:
"How to motivate people to achieve a goal..."
"The one quality a leader needs to have..."
"One of the challenges for new leaders is their ability to discern right from wrong..."
"Great leaders are made, they're not born..."
(Ms. Jan Wetzel - Executive bio is provided by Bloomberg.com)
Ms. Jan Wetzel founded Wetzel Trott, Inc. in 1985 and served as its Chief Executive Officer.
Ms. Wetzel’s extensive underwriting and management background started in 1978 and put her on course to start one of the country’s leading Quality Control firms.
"Qualities Great Leaders Need to Have..." - click to listen to an excerpt from our interview with Jan Wetzel
She has helped hundreds of banks, mortgage companies and credit unions develop and implement comprehensive quality control plans in accordance with Fannie Mae, Freddie Mac, The Department of HUD and VA requirements.
Her focus on quality allowed her to build a team with combined mortgage experience of over 125 years to handle more than one hundred fifty customers in twenty-two states.
"A Reason Why Many Leaders Fail..." - click to listen to an excerpt from our interview with Jan Wetzel
(for more information and resouces cited in this interview, see LykkenOnLeadership.com Episode #3.
What can you do to have a bigger impact on retaining Top Talent?
Tune in to hear Matt Rettick, an International Speaker, President of Coolsprings Financial and #1 Best Selling Author of All the Rules Have Changed: What you Must Do in this New Financial Reality.
In this special New Year's Day podcast, you'll hear David Lykken interview Matt Rettick about recent polls that suggest the new #1 fear of most Americans is now shifting to "The Fear of Running Out of Money in My Retirement."
David and Matt also discuss recent polls that suggest 23% of employees would leave their current positions for just a 10% salary increase.
With the cost analysis showing that the cost to recruit and train a high-level executive earning $120,000 is at 400% ($480,000), what are you doing in order to retain and keep your best talent at your business?
Today's exciting podcast features John Hope Bryant, Founder, Chairman and CEO of Operation HOPE. David and John will dive into financial dignity empowerment as an approach to community uplift, creating an economy that works for all. Bryant has a new book recently released on 9/18/17 titled "The Memo: Five Rules for Your Economic Liberation."
Don't miss these key points from today's podcast:
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Financial dignity empowerment – transforming communities and growing the economy
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Uplifting the Invisible Class through "silver rights" – rights to financial literacy, access to capital and equity of opportunity
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Delivering the missed “memo” on free enterprise
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Inspiring a nation of “builders” and innovators – harnessing the economic energy of next-gen entrepreneurs
As normal, the first half of the program will feature, Joe Farr of MBSQuoteline providing a rate & market update, Alice Alvey of Indecomm Global Services providing a regulatory & legislative update as well as Paul Muolo of IMF News & Sam Garcia of Mortgage Daily giving us a quick overview of the latest news stories impacting our industry and Andy Schell, a/k/a "Profit Doctor" sharing ideas on how to improve your bottom line.
Please tell others about this program and take a minute to share a link to this program with your friends and associates in the mortgage industry.
Thank you, David Lykken
Join David as he talks with Scott Augenbaum, Special Agent at the FBI. Scott has supervised the Washington D.C. Cyber Crime Fraud Unit and was responsible for managing the FBI's Cyber Task Force Program and Intellectual Property Rights Program. He also managed the FBI Memphis Division Computer Intrusion/Counterintelligence Squad in Nashville, TN.
Scott has had the opportunity to provide hundreds of computer intrusion threat briefings with the goal of educating the community on emerging computer intrusion threats and how to not to be the victim of a data breach. His information will be timely and relevant. Don't miss this podcast!
As normal, the first half of the program will feature, Joe Farr of MBSQuoteline providing you a rate & market update followed by Les Parker’s Market-Logics Live, a macroeconomic perspective on the economy with a music parody. Next is Alice Alvey of Union Home providing a regulatory & legislative update followed by Sam Garcia of Mortgage Daily giving us a quick overview of the latest news stories impacting our industry. Then we wrap up the first half the program with Andy Schell, a/k/a “Profit Doctor” sharing ideas on how to improve your bottom line.
Please tell others about this program and take a minute to share a link to this program with your friends and associates in the mortgage industry.
Thank you, David Lykken
You will be encouraged with today's personal story of courage from 9/11. Join David as he listens to C.J. De Santis retell his amazing story. C.J. is the Co-Founder & Managing Director at CounterPointe Energy Solutions and he will also discuss his macro view of housing finance in America pre-9/11, pre-housing crisis, and his thoughts on if we will ever return to the days where Wall Street played such a dominant role in providing liquidity to the housing finance system of America. Today's podcast will be informative and interesting!
As normal, the first half of the program will feature, Joe Farr of MBSQuoteline providing you a rate & market update followed by Les Parker’s Market-Logics Live, a macroeconomic perspective on the economy with a music parody. Next is Alice Alvey of Union Home providing a regulatory & legislative update followed by Sam Garcia of Mortgage Daily giving us a quick overview of the latest news stories impacting our industry. Then we wrap up the first half the program with Andy Schell, a/k/a “Profit Doctor” sharing ideas on how to improve your bottom line.
Created BY mortgage professionals FOR mortgage professionals, our commitment is to bring to you, our listener, a fast-paced and highly informative 1-hour audio update on the important news and issues facing the mortgage industry. Our hope is that you will tell others about this program and share it with your friends and associates. I would enjoying hearing from you about the program and always welcome your suggestions for guests and topics.
Your Host, David Lykken
Because an increasing number of mortgage originators are finding that using social media can be an effective way to originate loans, David Lykken invited Jessica Peterson of Simply WOW Agency to review some basics of social media "best practices", and Jeff Sellers, a TMS-Advisors media strategy consultant, to discuss things to think about when considering a social media advertising strategy.
This fall, I am planning a 4 part series on using social media to originate loans and invite your input and suggestions for guests who are experienced and willing to share what is working for them. I look forward to hearing from you.
Please tell others about this program and take a minute to share a link to this program with your friends and associates in the mortgage industry.
Thank you, David Lykken
Many of you are aware of the exciting formation of Finastra, the 3rd largest financial services technology company in the world. Today we are joined by its Global Head of Lending, Eric Cummins, to explain how Misys and D+H joined forces to create a diversified global financial software provider. Hear his ideas on the Mortgage Market along with important developments happening across our industry. This podcast will be “live” from Finastra’s “Perspectives” user conference in Orlando and promises to be informative!
As normal, the first half of the program will feature, Joe Farr of MBSQuoteline providing a rate & market update, Alice Alvey of Union Home providing a regulatory & legislative update as well as Sam Garcia of Mortgage Daily giving us a quick overview of the latest news stories impacting our industry and Andy Schell, a/k/a "Profit Doctor" sharing ideas on how to improve your bottom line and Les Parker’s MarketLogics Live one minute take on the markets.
Please tell others about this program and take a minute to share a link to this program with your friends and associates in the mortgage industry.
Thank you, David Lykken
On today's podcast we invited Pete Mills, SVP of the MBA, to wrap-up our 8-week series on “GSE Reform” as well as give our listeners an update on “Transitional Licensing” for loan originators. We encourage our listeners to go back and listen to each one of the past seven podcasts on GSE reform. There's so much valuable and interesting information in each of the interviews on this very important topic.
As normal, the first half of the program will feature, Joe Farr of MBSQuoteline providing you a rate & market update followed by Les Parker’s Market-Logics Live, a macroeconomic perspective on the economy with a music parody. Next is Alice Alvey of Union Home providing a regulatory & legislative update followed by Sam Garcia of Mortgage Daily giving us a quick overview of the latest news stories impacting our industry. Then we wrap up the first half the program with Andy Schell, a/k/a “Profit Doctor” sharing ideas on how to improve your bottom line.
Created BY mortgage professionals FOR mortgage professionals, our commitment is to bring to you, our listener, a fast-paced and highly informative 1-hour audio update on the important news and issues facing the mortgage industry. Our hope is that you will tell others about this program and share it with your friends and associates. I would enjoying hearing from you about the program and always welcome your suggestions for guests and topics.
Your Host, David Lykken
Our guests, Glen Corso and Scott Olson, who both run small lender trade associations, will talk about what small lenders want, and what they don’t want from GSE reform.
As normal, the first half of the program will feature, Joe Farr of MBSQuoteline providing a rate & market update, Alice Alvey of Union Home providing a regulatory & legislative update as well as Sam Garcia of Mortgage Daily giving us a quick overview of the latest news stories impacting our industry and Andy Schell, a/k/a "Profit Doctor" sharing ideas on how to improve your bottom line and Les Parker’s MarketLogics Live one minute take on the markets.
Please tell others about this program and take a minute to share a link to this program with your friends and associates in the mortgage industry.
Thank you, David Lykken
How should your business approach the GSE reform? Join David Stevens, President and CEO of the MBA, as he discusses the MBA's recommended approach to GSE reform, the last piece of unfinished business from the 2008 financial crisis. David outlines key principles and guardrails that should guide the reform effort and provides a detailed picture of a new secondary-market end state. Learn important industry breaking information that has the potential to help stabilize the housing market for decades to come.
As normal, the first half of the program will feature, Joe Farr of MBSQuoteline providing a rate & market update, Alice Alvey of Indecomm Global Services providing a regulatory & legislative update as well as Paul Muolo of IMF News & Sam Garcia of Mortgage Daily giving us a quick overview of the latest news stories impacting our industry and Andy Schell, a/k/a "Profit Doctor" sharing ideas on how to improve your bottom line.
Please tell others about this program and take a minute to share a link to this program with your friends and associates in the mortgage industry.
Thank you, David Lykken
Why is GSE reform important and why should small lenders support it? Bill Cosgrove, President and CEO of Union Home Mortgage and former Chairman of the MBA, gives listeners inside thoughts from a small-to-midsize lender. Bill was recently published in Housing Wire and he will take you on an important path to understanding GSE reform and what it can mean for your business.
As normal, the first half of the program will feature, Joe Farr of MBSQuoteline providing a rate & market update, Alice Alvey of Indecomm Global Services providing a regulatory & legislative update as well as Paul Muolo of IMF News & Sam Garcia of Mortgage Daily giving us a quick overview of the latest news stories impacting our industry and Andy Schell, a/k/a "Profit Doctor" sharing ideas on how to improve your bottom line.
Please tell others about this program and take a minute to share a link to this program with your friends and associates in the mortgage industry.
Thank you, David Lykken
Are you looking for ways to build overall customer loyalty and product penetration? One of your most important and potentially neglected company assets is your current client database.
Today's recorded interview with Brent Emler, VP of Sales at Velma.com, and Dan Sullivan, VP of Production at CAPED, discuss simple but innovative ways to leverage your current customer relationships to drive mortgage Volume regardless of market conditions.
Big data is an overused and intimidating term. Leveraging data for sales volume doesn't have to be complicated. Join us today to hear how a small depository lender generated several dozen transactions using auto loan customer data and marketing automation.
As normal, the first half of the program will feature, Joe Farr of MBSQuoteline providing a rate & market update, Alice Alvey of Indecomm Global Services providing a regulatory & legislative update as well as Paul Muolo of IMF News & Sam Garcia of Mortgage Daily giving us a quick overview of the latest news stories impacting our industry and Andy Schell, a/k/a "Profit Doctor" sharing ideas on how to improve your bottom line.
Please tell others about this program and take a minute to share a link to this program with your friends and associates in the mortgage industry.
Thank you, David Lykken
In this SPECIAL PROGRAM, David Lykken sits downs with JONATHAN CORR, President & CEO of Ellie Mae. In this interview, you will hear Jonathan talk about the keys to their consistent and successful growth. Jonathan talks about the importance of a positive corporate culture, having a clear mission and vision of what they want to accomplish and much much more. As you listen to this important and timely interview, you will gain insights into why Ellie Mae has been so successful and the reason why so many believe Ellie Mae will continue to be a dominant force in the mortgage technology space for years to come.
Have you been looking for the secret to both a successful business and marriage? David Luna joins David Lykken today to reveal that simple but effective secret: great communication! Just as communication is important in your personal life to grow in relationship, it can be a successful tool as a CEO. From public speaking to interpersonal skills, David Luna lays out tips for success and growth that will help you build your business and your relationships. David Luna also gives an innovative perspective on where the mortgage industry is heading and how you can position yourself for being a successful company of the future. Don’t miss this informative and relevant interview.
As normal, the first half of the program will feature, Joe Farr of MBSQuoteline providing a rate & market update, Alice Alvey of Indecomm Global Services providing a regulatory & legislative update as well as Paul Muolo of IMF News & Sam Garcia of Mortgage Daily giving us a quick overview of the latest news stories impacting our industry and Andy Schell, a/k/a "Profit Doctor" sharing ideas on how to improve your bottom line.
Please tell others about this program and take a minute to share a link to this program with your friends and associates in the mortgage industry.
Thank you, David Lykken
Have you been searching for ways to improve the relationship between lender and borrower? Join David as he discusses some new and innovative ideas with Co-Founder and CEO of Sales Boomerang, Alex Kutsishin. This is the first time in history that the lender/originator can be the one to deliver good news to his/her turndowns. Mortgage companies can recover tens or hundreds of millions of dollars in missed loan volume annually as well as offer better customer service to borrowers by giving them access to information. Things like: Credit Watch -- Our clients can now see when their recent turndowns/prospects has fixed his/her credit.Equity Watch -- Our clients can now see when their past customer or prospect has equity in their homeRate Watch -- Our clients can now see which prospect or client could benefit from a lower rateBack in the Market -- Our clients can now see when a prospect or a client is out shopping again As normal, the first half of the program will feature, Joe Farr of MBSQuoteline providing a rate & market update, Alice Alvey of Indecomm Global Services providing a regulatory & legislative update as well as Sam Garcia of Mortgage Daily giving us a quick overview of the latest news stories impacting our industry and Andy Schell, a/k/a "Profit Doctor" sharing ideas on how to improve your bottom line.
Please tell others about this program and take a minute to share a link to this program with your friends and associates in the mortgage industry.
Thank you, David Lykken
The challenge today is no longer getting your message out. There are more channels than ever: Blogs, Twitter, Instagram - the list goes on. The real challenge for all of us is getting your message in—getting your hyper-distracted audiences to take time to engage with you. So what works? During this segment, Founder and CEO of Mindset Digital, Dr. Debra Jasper, will discuss: why now, more than ever, you need to write and present with clarity and impact (think SOS -- short, organized and skimmable)the power of social selling in the financial arenahow to stand out from the crowd and amplify your professional—and personal—brandnot just what’s now but what’s next As normal, the first half of the program will feature, Joe Farr of MBSQuoteline providing a rate & market update, Alice Alvey of Indecomm Global Services providing a regulatory & legislative update as well as Paul Muolo of IMF News & Sam Garcia of Mortgage Daily giving us a quick overview of the latest news stories impacting our industry and Andy Schell, a/k/a "Profit Doctor" sharing ideas on how to improve your bottom line.
Please tell others about this program and take a minute to share a link to this program with your friends and associates in the mortgage industry.
Thank you, David Lykken
In this volatile environment, has your business created a sound Emergency Operations Plan? David Lykken is joined by Jeff Sellers of Emergency Management Solutions as they discuss how to effectively prepare for emergencies. Emergency Management Solutions provides security audits, NIMS compliant emergency operations plans, consulting and staff training. When it comes to security, experience matters. Jeff has worked with Homeland Securityand has over 30 years security experience. www.emergemcy-ms.com
As normal, the first half of the program will feature, Joe Farr of MBSQuoteline providing a rate & market update, Alice Alvey of Indecomm Global Services providing a regulatory & legislative update as well as Paul Muolo of IMF News & Sam Garcia of Mortgage Daily giving us a quick overview of the latest news stories impacting our industry and Andy Schell, a/k/a "Profit Doctor" sharing ideas on how to improve your bottom line.
Please tell others about this program and take a minute to share a link to this program with your friends and associates in the mortgage industry.
Thank you, David Lykken
How willing are your employees to go above and beyond the call of duty? Join David as he has an interesting conversation about employee engagement with Earl Ameen and Sara Russell of Beyond Ten. Learn how you can impact both sides of the work force. For employees, they can feel more fulfilled at work, like what you do actually matters in the big scheme of things. For employers and business owners, it boils down to key performance indicators, one of which is retention. Don't miss this strategic and helpful podcast!
As normal, the first half of the program will feature, Joe Farr of MBSQuoteline providing a rate & market update, Alice Alvey of Indecomm Global Services providing a regulatory & legislative update as well as Sam Garcia of Mortgage Daily giving us a quick overview of the latest news stories impacting our industry and Andy Schell, a/k/a "Profit Doctor" sharing ideas on how to improve your bottom line.
Please tell others about this program and take a minute to share a link to this program with your friends and associates in the mortgage industry.
Thank you, David Lykken
Are you looking for a new, untapped opportunity as a mortgage lender? This week’s hot topic will feature the Inspiring success story of Jason Madiedo, the largest Hispanic mortgage lender in the nation. The Hispanic demographic is the only one in the U.S. that saw its homeownership rate increase in 2015, according to the State Of Hispanic Homeownership Report, published annually by the Hispanic Wealth Project in conjunction with the National Association of Hispanic Real Estate Professionals (NAHREP).
Because of its rapid population growth and rapid household formation, the Hispanic demographic remains a huge untapped opportunity for mortgage lenders. What’s more, things are looking good right now for lenders to go after this market – mortgage interest rates are low, annual household incomes are increasing, and the job market is looking much better, with increased openings and rising wages.
As normal, the first half of the program will feature, Joe Farr of MBSQuoteline providing a rate & market update, Alice Alvey of Indecomm Global Services providing a regulatory & legislative update as well as Paul Muolo of IMF News & Sam Garcia of Mortgage Daily giving us a quick overview of the latest news stories impacting our industry and Andy Schell, a/k/a "Profit Doctor" sharing ideas on how to improve your bottom line.
Please tell others about this program and take a minute to share a link to this program with your friends and associates in the mortgage industry.
Thank you, David Lykken
As the housing economy continues its transition to a purchase market, working efficiently with settlement agents will become an increasingly urgent priority for lenders. How efficient are your closing and post-closing processes? Nancy Alley, VP of Strategic Planning for Simplifile, explores how automating settlement agent collaboration throughout the origination process — from the start all the way through post closing — delivers almost immediate ROI to lenders. Strong settlement relationships not only improve TRID compliance, they also make UCD delivery more efficient and eliminate unnecessary post-closing costs related to trailing documents, re-disclosures and refunds — all while delivering a better consumer experience. Nancy has dedicated her career to driving innovation and leveraging technology in the mortgage industry. A noted industry thought leader, Nancy has been recognized as a “Woman of Influence” by HousingWire and a “MBA Tech All-Star” by Mortgage Banking. She was also the 2011 recipient of the Mortgage Technology “Steve Fraser Visionary Award.”
As normal, the first half of the program will feature, Joe Farr, Alice Alvey, Sam Garcia and Andy Schell, a/k/a "Profit Doctor"..
Please tell others about this program and take a minute to share a link to this program with your friends and associates in the mortgage industry.
Thank you, David Lykken
What’s ahead for mortgage insurance and the lenders who rely on this important mortgage finance tool? With interest rates rising, a new Administration in place and many changes underway, the MI industry is also undergoing a major restructuring that will impact the housing industry for years to come. For April 17’s “Hot Topic” segment, I’m joined by David Gansberg, President and CEO of Arch MI, which is now the industry leader in the wake of its parent’s acquisition of United Guaranty. David will be talking about the acquisition and its ramifications, as well as sharing his insights on the 2017 mortgage market, the effect of potential deregulation, the crisis in affordability and the automation revolution.
As normal, the first half of the program will feature, Joe Farr of MBSQuoteline providing a rate & market update, Alice Alvey of Indecomm Global Services providing a regulatory & legislative update as well as Paul Muolo of IMF News & Sam Garcia of Mortgage Daily giving us a quick overview of the latest news stories impacting our industry and Andy Schell, a/k/a "Profit Doctor" sharing ideas on how to improve your bottom line.
Please tell others about this program and take a minute to share a link to this program with your friends and associates in the mortgage industry.
Thank you, David Lykken
When it comes to Correspondent Lending, not much has changed in decades... that is until NOW! Our guest on today's broadcast is JACK NUNNERY, Executive Vice President of Texas Capital Bank (TCB). Last week, TCB announced that they are launching a new correspondent lending "Mortgage Correspondent Aggregation" (MCA) business. Jack along with Gary Ort has been responsible for TCB's Warehouse Lending operation. They recognized that there was an unusual opportunity to create within the correspondent lending space an innovative and new approach to correspondent lending that would be streamline virtually all the processes involved to the benefit both the seller and the buyer. As a result, Jack started a "greenfield" work effort well over a year and a half ago with the objective of designing and building a state-of-the-art streamlined correspondent lending platform that operates in a way like no other company has operated before. On today's broadcast, Jack is going to talk about the following: Historical challenges to innovation in the mortgage industryHurdles to successful transformationSolutions for success not previously thought possibleThe consequences of not transforming the way we go about our business Please tell others about this program and take a minute to share a link to this program with your friends and associates in the mortgage industry.
Thank you, David Lykken
Spring Season demand is here, but how is it looking so far year over year and how have rates impacted the demand? Why is quarter one GDP so low again and how are Trumps economic policies affecting our industry? Learn more about these issues in today's Hot Topic as David talks with Logan Mohtashami, senior loan manager at AMC Lending Group. Logan has been called a social media star by National Mortgage News, and “the chart guy” and “housing guru” by nearly everyone else, Logan’s astute analysis of economic data and years of direct lending experience allow him to present a unique, informed and unbiased perspective on the financial markets.
As normal, the first half of the program will feature, Joe Farr of MBSQuoteline providing a rate & market update, Alice Alvey of Indecomm Global Services providing a regulatory & legislative update as well as Paul Muolo of IMF News & Sam Garcia of Mortgage Daily giving us a quick overview of the latest news stories impacting our industry and Andy Schell, a/k/a "Profit Doctor" sharing ideas on how to improve your bottom line.
Please tell others about this program and take a minute to share a link to this program with your friends and associates in the mortgage industry.
Thank you, David Lykken
Join David as he broadcasts LIVE from the D+H booth at the National Technology in Mortgage Banking Conference & Expo in Chicago, IL. David will be joined by Steve Megson, Sales Management, Global Lending Solutions. Don't miss the exciting technological announcements and discussions.
We will be joined by our regular guests: Joe Farr of MBSQuoteline providing a rate & market update, Alice Alvey of Indecomm Global Services providing a regulatory & legislative update as well as Paul Muolo of IMF News & Sam Garcia of Mortgage Daily giving us a quick overview of the latest news stories impacting our industry and Andy Schell, a/k/a "Profit Doctor" sharing ideas on how to improve your bottom line.
Please tell others about this program and take a minute to share a link to this program with your friends and associates in the mortgage industry.
Thank you, David Lykken
Don't miss this special legislative announcement from guest Ari Karen, a Principal at Offit Kurman and a member of the firm’s Labor and Employment Practice Group. Ari is an experienced litigator who represents financial institutions in both government investigations and litigation before state and federal trial and appellate courts nationwide.
His practice is diverse, representing clients on matters concerning banking regulations, Dodd Frank financial reform laws, contractual disputes, employment and labor statutes, wage-hour class actions, fair lending matters, whistleblower complaints, among others. In addition to being a principal in the Offit Kurman law firm, he is also the CEO of Strategic Compliance Partners, an attorney-driven, mortgage compliance consulting firm.
The first half of the program will feature, Joe Farr of MBSQuoteline providing a rate & market update, Alice Alvey of Indecomm Global Services providing a regulatory & legislative update as well as Paul Muolo of IMF News & Sam Garcia of Mortgage Daily giving us a quick overview of the latest news stories impacting our industry and Andy Schell, a/k/a "Profit Doctor" sharing ideas on how to improve your bottom line.
Please tell others about this program and take a minute to share a link to this program with your friends and associates in the mortgage industry.
Thank you, David Lykken
In real estate, the coffee and bagels sales approach is no longer effective. Technology is not where the industry is headed, but where the industry is. Join Michael Kelleher as he reveales how your company can have the ultimate lending ecosystem for transparent borrower, realtor, loan officer and title agent communication and transaction access. And it’s all at your fingertips, anytime, anywhere. Michael brings expertise in mortgage technology, millennial habits, and helping clients navigate the intricacies of the mortgage technology world and the necessary steps to help bring technology to them.
As normal, the first half of the program will feature, Joe Farr of MBSQuoteline providing a rate & market update, Alice Alvey of Indecomm Global Services providing a regulatory & legislative update as well as Paul Muolo of IMF News & Sam Garcia of Mortgage Daily giving us a quick overview of the latest news stories impacting our industry and Andy Schell, a/k/a "Profit Doctor" sharing ideas on how to improve your bottom line.
Please tell others about this program and take a minute to share a link to this program with your friends and associates in the mortgage industry. For information on advertising with Lykken on Lending, email Bill@JLFarmakis.com.
Thank you, David Lykken
Are you letting technology keep your business relevant in today's changing market? Join Kyle McCray, Innovations Manager at American Pacific Mortgage, to learn about exciting new trends in technology, building innovative solutions, reaching millennials and attracting new business professionals into the industry plus much more. This podcast will help you stay relevant and fresh in today's market and will shed light on how technology is changing the future of the mortgage industry. Don't miss it!
For more information on Kyle, make sure you visit his website kylemccray.com.
As normal, the first half of the program will feature, Joe Farr of MBSQuoteline providing a rate & market update, Alice Alvey of Indecomm Global Services providing a regulatory & legislative update as well as Paul Muolo of IMF News & Sam Garcia of Mortgage Daily giving us a quick overview of the latest news stories impacting our industry and Andy Schell, a/k/a "Profit Doctor" sharing ideas on how to improve your bottom line.
Please tell others about this program and take a minute to share a link to this program with your friends and associates in the mortgage industry.
Thank you, David Lykken
Mitch Kider leads us down the path toward the Mergers & Acquisitions Conference, discussing important updates in the industry and things to consider for your company.
As normal, the first half of the program will feature, Joe Farr of MBSQuoteline providing a rate & market update, Alice Alvey of Indecomm Global Services providing a regulatory & legislative update as well as Paul Muolo of IMF News & Sam Garcia of Mortgage Daily giving us a quick overview of the latest news stories impacting our industry and Andy Schell, a/k/a "Profit Doctor" sharing ideas on how to improve your bottom line.
Please tell others about this program and take a minute to share a link to this program with your friends and associates in the mortgage industry.
Thank you, David Lykken
Have you considered membership in the MBA? If you are a member, are you taking advantage of all it has to offer? Tricia Migliazzo, Vice President of Membership at Mortgage Bankers Association, joins us to discuss the many amazing services offered to members and give us a look into the history of the association.
As normal, the first half of the program will feature, Joe Farr of MBSQuoteline providing a rate & market update, Alice Alvey of Indecomm Global Services providing a regulatory & legislative update as well as Paul Muolo of IMF News & Sam Garcia of Mortgage Daily giving us a quick overview of the latest news stories impacting our industry and Andy Schell, a/k/a "Profit Doctor" sharing ideas on how to improve your bottom line.
Please tell others about this program and take a minute to share a link to this program with your friends and associates in the mortgage industry.
Thank you, David Lykken
Have you thought about servicing loans in house? With important changes in 2017, now may be the time to consider the move. What will it entail and what do you need to be prepared for? Mark Jones joins us in the hot topic segment to discuss all things servicing. Mark has been a Mortgage Banking Company owner for over 30 years and specializes in Secondary Marketing, Hedging, Financial Mangement, and Mortgage Banking Strategy.
As normal, the first half of the program will feature, Joe Farr of MBSQuoteline providing a rate & market update, Alice Alvey of Indecomm Global Services providing a regulatory & legislative update as well as Paul Muolo of IMF News & Sam Garcia of Mortgage Daily giving us a quick overview of the latest news stories impacting our industry and Andy Schell, a/k/a "Profit Doctor" sharing ideas on how to improve your bottom line.
Please tell others about this program and take a minute to share a link to this program with your friends and associates in the mortgage industry.
Thank you, David Lykken
Are you looking for alternative ways to grow your business? Consider attending a workshop that will discuss that as well as all things buying and selling. During our Hot Topic, get a sneak peak of the major themes and take-aways that will be addressed in detail at the MBA Mergers & Acquisitions Workshop in Dallas on February 22-23. with MBA guest, Marina Walsh. Added bonus: an update on the latest happenings at MBA HQ.
As normal, the first half of the program will feature, Joe Farr of MBSQuoteline providing a rate & market update, Alice Alvey of Indecomm Global Services providing a regulatory & legislative update as well as Paul Muolo of IMF News & Sam Garcia of Mortgage Daily giving us a quick overview of the latest news stories impacting our industry and Andy Schell, a/k/a "Profit Doctor" sharing ideas on how to improve your bottom line.
Please tell others about this program and take a minute to share a link to this program with your friends and associates in the mortgage industry. For information on advertising with Lykken on Lending, email jeff@sellersmediaservices.com
Thank you, David Lykken
Looking to the year ahead, how will the economy shape and impact our industry? Join our Hot Topic segment today as Les Parker, Senior Vice President of LoanLogics, gives us an economic report as well as a 2017 forecast on interest rates.
As normal, the first half of the program will feature, Joe Farr of MBSQuoteline providing a rate & market update, Alice Alvey of Indecomm Global Services providing a regulatory & legislative update as well as Paul Muolo of IMF News & Sam Garcia of Mortgage Daily giving us a quick overview of the latest news stories impacting our industry and Andy Schell, a/k/a "Profit Doctor" sharing ideas on how to improve your bottom line.
Please tell others about this program and take a minute to share a link to this program with your friends and associates in the mortgage industry. For information on advertising with Lykken on Lending, email jeff@sellersmediaservices.com
Thank you, David Lykken
How can your company be more involved in giving to your community this holiday season? Studies show that having a corporate social responsibility platform can increase your bottom line, build customer loyalty, and create a happier community among your employees. Being involved in your local community can take many forms, but giving back or paying it forward is a time honored activity that changes all who are involved. That's the power of giving!
Join David in part 2 of this series as he discusses giving back with Kevin Stitt President / CEO at Gateway Mortgage Group which believes that it's greatest responsibilities are to not only empower the American Dream of homeownership but to also make a positive impact on local communities and those less fortunate. Gateway Mortgage Group is involved in its community during the Christmas season in a powerful way, but it has also helped build a school in a small village in Northern Nigeria that educates more than 300 students and it supports the Maisha International Orphanage in Kenya. Don't miss this touching episode!
As normal, the first half of the program will feature, Joe Farr of MBSQuoteline, Alice Alvey of Indecomm Global Services, as well as Paul Muolo of IMF News & Sam Garcia of Mortgage Daily and Andy Schell, a/k/a "Profit Doctor".
Please tell others about this program and take a minute to share a link to this program with your friends and associates in the mortgage industry. For advertising information, email jeff@sellersmediaservices.com
Thank you, David Lykken
Today's Hot Topic features Ron Vaimberg of National Mortgage Professional Media Corp. as he zeros in on how you can effectiely lead your team to an increase in production. Learn how to Empower Originators to quickly increase their production, Create simple accountability standards that keep growth momentum going, and Track and measure accurately.
Join the entire roundtable group consisting of Joe Farr of MBSQuoteline providing a rate & market update, Alice Alvey of Indecomm Global Services providing a regulatory & legislative update as well as Paul Muolo of IMF News & Sam Garcia of Mortgage Daily giving us a quick overview of the latest news stories impacting our industry and Andy Schell, a/k/a "Profit Doctor" sharing ideas on how to improve your bottom line.
Please tell others about this program and take a minute to share a link to this program with your friends and associates in the mortgage industry. For information on how you can advertise on the show, please contact jeff@sellersmediaservices.com.
Thank you, David Lykken
How effective and integrated is your marketing platform? Any company can benefit from a team that has the mortgage marketing experience to effectively drive revenue goals. On today's hot topic, Brent Emler of Velma.com joins the team as they discuss how to use several fully integrated marketing tools to increase efficiency and customer retention as well as reduce marketing costs
Listen in as David Lykken interviews Curtis Richins at the Alight Mortgage Innovators Symposium on November 14, 2016 in San Diego, CA.
Listen in as David Lykken interviews Mike McAuley at the Alight Mortgage Innovators Symposium on November 14, 2016 in San Diego, CA.
Listen in as David Lykken interviews Michele McGovern at the Alight Mortgage Innovators Symposium on November 14, 2016 in San Diego, CA.
Listen in as Michele McGovern speaks to CEOs and other industry leaders at the Alight Mortgage Innovators Symposium on November 14, 2016 in San Diego, CA.
Listen in as David Lykken interviews Ralph Armenta at the Alight Mortgage Innovators Symposium on November 14, 2016 in San Diego, CA.
Listen in as David Lykken interviews John Ardy at the Alight Mortgage Innovators Symposium on November 14, 2016 in San Diego, CA.
Listen in as David Lykken interviews Marina Walsh at the Alight Mortgage Innovators Symposium on November 14, 2016 in San Diego, CA.
Listen in as David Lykken interviews David Burruss at the Alight Mortgage Innovators Symposium on November 14, 2016 in San Diego, CA.
How do you know if your company is ready to make the transition from broker or originator to mortgage banker? In today's "Hot Topic" Erin Dee of Legacy Mutual Mortgage in Austin, TX walks us through the process and all the details to consider. Erin addresses legal and regulatory issues, leadership capability within your organization, growth plans, compliance, recruiting, profitability, and much more. Find out if you are ready to take the first steps to mortgage banking.
Would you benefit from a personal assistant that can automate your workflow? Let Emma Monro, CEO of Sales VA and Social VA explain how you can maximize your time and tackle your business with more efficiency. Learn how to automate the follow up tasks for a sales person. Combine technology and human resources to take away the pain of completing CRM file notes, follow up emails and scheduling of meetings.
As normal, the first half of the program will feature, Joe Farr of MBSQuoteline providing a rate & market update, Alice Alvey of Indecomm Global Services providing a regulatory & legislative update as well as Paul Muolo of IMF News & Sam Garcia of Mortgage Daily giving us a quick overview of the latest news stories impacting our industry and Andy Schell, a/k/a "Profit Doctor" sharing ideas on how to improve your bottom line.
Please tell others about this program and take a minute to share a link to this program with your friends and associates in the mortgage industry. For information on advertising with Lykken on Lending, please contact jeff@sellersmediaservices.com
Thank you, David Lykken
Are you ready to take your mortgage banking managment team to the next level? Then join us as we broadcast "LIVE" from Alight's Mortgage Innovators Forum 2016 in San Diego, taking place the day prior to the MBA’s Accounting & Financial Management Conference in San Diego. Alight delivers enterprise-class applications for real-time, dynamic scenario comparison and analysis, enabling mortgage bankers to see the financial impact of decisions, before they’re made.
I will be covering the event interviewing industry veterans, luminaries and thought leaders - including Accenture and Houlihan Lokey - "LIVE" from the event floor.
Topics we’ll tackle during this 2-hour special include some of the biggest challenges mortgage banking management teams face, including: Productivity & Capacity OptimizationManaging Cash Flow & LiquidityBranch Performance & Analytics You’ll come away from this broadcast with provocative, immediately actionable ideas and tools to improve efficiencies and drive profits.
Please tell others about this program and take a minute to share the link to this program with your friends and associates in the industry.
Thank you, David Lykken
Are you intimidated by construction loans? Chase Gilbert of Built Technologies explains exciting new trends in construction lending and how your company can manage a high margin loan by offering an easy construction-to-perm program. Learn how to simplify the way you manage construction loans and provide borrowers and builders with a more transparent and streamlined experience.
Pricewaterhouse recently put out their Global Construction report that said the volume of construction output will grow by more than 70% to $15 trillion worldwide by 2025. Even in the US, construction loans have grown each quarter for the last 3 years. This is a huge opportunity that’s only growing bigger
What will this election mean for our industry? Ted Tozer, President of Ginnie Mae, joins us to discuss this and other trends he sees moving into 2017. Ted has been an incredibly effective leader in Ginnie Mae and has great insight for the future of the mortgage and housing industry. This will be a must hear episode!
The first half of the program will feature, Joe Farr of MBSQuoteline providing a rate & market update, Alice Alvey of Indecomm Global Services providing a regulatory & legislative update as well as Paul Muolo of IMF News & Sam Garcia of Mortgage Daily giving us a quick overview of the latest news stories impacting our industry and Andy Schell, a/k/a "Profit Doctor" sharing ideas on how to improve your bottom line.
Please tell others about this program and take a minute to share a link to this program with your friends and associates in the mortgage industry. To advertise with Lykken on Lending, contact jeff@sellersmediaservices.com
Thank you, David Lykken
Are you a leader with extraordinary motivation, capability, and vision to influence and shape the future of our industry? Then you need to hear this podcast "LIVE" from the AmeriCatalyst: Fast Forward Conference in Austin, TX. AmeriCatalyst is a conference which functions as a peer-to-peer think tank for executives across all sectors of the housing market. This year focuses not just on the present, but how we push on into a robust and sustainable future for the industry and the pervasive forces of globalization.
Joining us on today's program, is special guest TIM SKEET, the European Advisor to AmeriCatalyst. Tim Skeet is an independent banking consultant & mortgage funding expert. With over 30 years of experience in the international debt markets, Tim has advised government departments & is a frequent speaker at industry events. Most recently he has spoken about Brexit and its economic impact. Tim's knowledge of other coutries housing finance systems combined with his sense of humor will be as entertaining as it informative.
As normal, the first half of the program will feature, Joe Farr of MBSQuoteline providing a rate & market update, Alice Alvey of Indecomm Global Services providing a regulatory & legislative update as well as Paul Muolo of IMF News & Sam Garcia of Mortgage Daily & Andy Schell, a/k/a "Profit Doctor" sharing ideas on how to improve your bottom line.
Please tell others about this program & take a minute to share a link to this program with your friends & associates in the mortgage industry.
Thank you, David Lykken
Is the whole world going mobile? D+H special guests Steve Hoke and Mary KayTheriault join David 'live' from the D+H booth at the MBA conference in Boston to discuss why investing in the continuing shift toward mobile will take you into the future. Topics will also include industry trends going into 2017. Several well known leaders in the industry are planning to stop by to talk with David including Ted Tozer. Don't miss this exciting and informative episode.
As normal, the first half of the program will feature, Joe Farr of MBSQuoteline providing a rate & market update, Alice Alvey of Indecomm Global Services providing a regulatory & legislative update as well as Paul Muolo of IMF News & Sam Garcia of Mortgage Daily giving us a quick overview of the latest news stories impacting our industry and Andy Schell, a/k/a "Profit Doctor" sharing ideas on how to improve your bottom line.
Please tell others about this program and take a minute to share a link to this program with your friends and associates in the mortgage industry. For information on advertising, please contact jeff@sellersmediaservices.com.
Thank you, David Lykken
On today's rebroadcast, we are continuing our conversation about innovation in the mortgage industry with TERRY WAKEFIELD, President and CEO of The Wakefield Company (TWC). What we did not get discussed last week is the innovative things that Terry is currently working on to transform the industry. He is veteran with multiple decades of experience as an innovator and entrepreneur. His experience touches all aspects of mortgage origination, production and servicing, supply chain management, capital markets, strategic alliances, and executive advisory services.
On today's podcast, we will learn more about TWC’s Process Architecture tools that will have transformative impact on the industry. As we said last week, it is the process architecture that Jack Nunnery of Texas Capital Bank talked about a couple of weeks ago in the design and implementation of TCB's new Mortgage Correspondent Aggregation (MCA) platform.
Please join me as we continue to discuss innovative ideas at work in the mortgage industry.
Are you intimidated by construction loans? Chase Gilbert of Built Technologies will explain exciting new trends in construction lending and how your company can manage a high margin loan by offering an easy construction-to-perm program. Learn how to simplify the way you manage construction loans and provide borrowers and builders with a more transparent and streamlined experience.
Pricewaterhouse recently put out their Global Construction report that said the volume of construction output will grow by more than 70% to $15 trillion worldwide by 2025. Even in the US, construction loans have grown each quarter for the last 3 years. This is a huge opportunity that’s only growing bigger.
Please join me, David Lykken your host & Pres. of TMS Advisors, along with Alice Alvey of Mortgage-U, Joe Farr of MBS Quoteline, Andy Schell of MBS, Paul Muolo of IMF News, Sam Garcia of Mortgage Daily and and Andy Schell, a/k/a "Profit Doctor" for another informative podcast of Lykken on Lending... created BY mortgage professional FOR mortgage professionals.
Please tell others about this program and take a minute to share a link to this program with your friends and associates in the mortgage industry.
Thank you, David Lykken
What is the bottom line driving your business? Our hot topic will focus on Matt Strahl of Transformational Mortgage Solutions as he discusses the importance of effective outside recruiting. Best practices are touching the talent acquisition and HR landscape more than ever today and that is why companies are realizing that talent is what really drives any and all business ventures. Therefore it is valuable to hire strategically from the start and have a training program to create a depth of talent.
What is the bottom line driving your business? Our hot topic will focus on Matt Strahl of Transformational Mortgage Solutions as he discusses the importance of effective outside recruiting. Best practices are touching the talent acquisition and HR landscape more than ever today and that is why companies are realizing that talent is what really drives any and all business ventures. Therefore it is valuable to hire strategically from the start and have a training program to create a depth of talent.
As normal, the first half of the program will feature, Joe Farr of MBSQuoteline providing a rate & market update, Alice Alvey of Indecomm Global Services providing a regulatory & legislative update as well as Paul Muolo of IMF News & Sam Garcia of Mortgage Daily giving us a quick overview of the latest news stories impacting our industry and Andy Schell, a/k/a "Profit Doctor" sharing ideas on how to improve your bottom line.
Please tell others about this program and take a minute to share a link to this program with your friends and associates in the mortgage industry.
For information on advertising with Lykken on Lending, contact jeff@sellersmediaservices.com.
Thank you, David Lykken
With an increasing average age and decreasing participation, where is the real estate appraiser's industry heading and what regulations does it face? William Fall of William Fall Group will address these challenges and many other notable industry topics.
As normal, the first half of the program will feature, Joe Farr of MBSQuoteline providing a rate & market update, Alice Alvey of Indecomm Global Services providing a regulatory & legislative update as well as Paul Muolo of IMF News & Sam Garcia of Mortgage Daily giving us a quick overview of the latest news stories impacting our industry and Andy Schell, a/k/a "Profit Doctor" sharing ideas on how to improve your bottom line.
Please tell others about this program and take a minute to share a link to this program with your friends and associates in the mortgage industry.
Thank you, David Lykken
Lykken on Lending sponsor D+H joins us LIVE from the Motivity Conference in Denver, CO. Dan Putney, Vice President of Sales for D+H stops by to talk about trends in the mortgage industry, millennials and has an exciting announcement about new innovation that D+H is bringing to market to help clients better compete in a mobile world.
As normal, the first half of the program will feature, Joe Farr of MBSQuoteline providing a rate & market update, Alice Alvey of Indecomm Global Services providing a regulatory & legislative update as well as Paul Muolo of IMF News & Sam Garcia of Mortgage Daily giving us a quick overview of the latest news stories impacting our industry and Andy Schell, a/k/a/ the "Profit Doctor" sharing ideas on how to improve your bottom line.
Please tell others about this program and take a minute to share a link to this program with your friends and associates in the mortgage industry.
Thank you, David Lykken
Our 'Hot Topic' program will help you manage your business with a purpose. Tune in and Join David as he discussed the benefits of business process re-engineering together with Keith Polaski of Radius Financial Group. Keith has transformed his business, increased morale and margins, and built a team that creates measurable results through engaging all his stakeholders in developing and revamping business processes.
Please tell others about this program and take a minute to share a link to this program with your friends and associates in the mortgage industry.
Thank you, David Lykken
On our "Hot Topic" program is a Labor Day holiday special where we are focusing on innovation and technology with special guest Derek Malila. Derek is the creator and founder of Perfect LO: Accurate, Efficient Loan Solutions.
Whether you are entering the learning curve of the mortgage loan world or you are ready to take your business to the next level with a multi-language multi-functional tool, you must listen to this podcast. Derek has created a secure, one stop shop for busy loan officers with a cloud-based mortgage loan software. It addresses the many intricacies of the 1003 to create a true client profile through systematic and intelligent questioning. If you are ready to save up to 25% of your time from upfront applications as well as back end underwriting and closing then listen in as Derek explains the many benefits of Perfect LO.
Please tell others about this program and take a minute to share a link to this program with your friends and associates in the mortgage industry.
Thank you, David Lykken
Today’s program is a Labor Day holiday special where we are focusing on innovation and technology with special guest Derek Malila. Derek is the creator and founder of Perfect LO: Accurate, Efficient Loan Solutions.
Whether you are entering the learning curve of the mortgage loan world or you are ready to take your business to the next level with a multi-language multi-functional tool, you must listen to this podcast. Derek has created a secure, one stop shop for busy loan officers with a cloud-based mortgage loan software. It addresses the many intricacies of the 1003 to create a true client profile through systematic and intelligent questioning. If you are ready to save up to 25% of your time from upfront applications as well as back end underwriting and closing then listen in as Derek explains the many benefits of Perfect LO.
As usual, I will provide you a MBSQuoteline rate and market update. Joe Farr, Alice Alvey, Paul Muolo, and Sam Garcia are enjoying the Labor Day Holiday and will be joining us next week.
Please tell others about this program and take a minute to share a link to this program with your friends and associates in the mortgage industry.
Thank you, David Lykken
Our special guest today is TONI MOSS, President of AmeriCatalyst/EuroCatalyst and we will be discussing the upcoming AMERICATALYST 2016: FAST FORWARD conference. This conference is an invitation-only, peer-to-peer think tank focused on the housing ecosystem, which encompasses all sectors of housing finance (the mortgage market), residential real estate, and the rental market. While this conference is known for accurately forecasting the most significant trends and events of the past 14 years, Toni will explain why this year will be the most ambitious and challenging program she has have ever created. It features, and is designed for, leaders with extraordinary motivation, capability, and vision to influence and shape the future of our industry, and the world at large. For those listeners that are able to listen to this broadcast, we will be extending a special invitation to you to attend this event in Austin. Don't miss this broadcast.
As normal, the first half of the program will feature, Joe Farr of MBSQuoteline providing a rate & market update, Alice Alvey of Indecomm Global Services providing a regulatory & legislative update as well as Paul Muolo of IMF News & Sam Garcia of Mortgage Daily giving us a quick overview of the latest news stories impacting out industry.
Please tell others about this program and take a minute to share a link to this program with your friends and associates in the mortgage industry.
Thank you, David Lykken
On this "Hot Topic" episode we have a doubleheader. Alice Alvey give us a regulatory update followed by Gary Acosta talking about market diversity opportunities.
Please tell others about this program and take a minute to share a link to this program with your friends and associates in the mortgage industry.
Thank you, David Lykken
On today's program we have a doubleheader. Alice Alvey will give us a regulatory update followed by Gary Acosta talking about market diversity opportunities.
As normal, the first half of the program will feature, Joe Farr of MBSQuoteline providing a rate & market update, Alice Alvey of Indecomm Global Services providing a regulatory & legislative update as well as Paul Muolo of IMF News & Sam Garcia of Mortgage Daily giving us a quick overview of the latest news stories impacting out industry.
Please tell others about this program and take a minute to share a link to this program with your friends and associates in the mortgage industry.
Thank you, David Lykken
Do you feel like your marketing needs some help? On today's program, we have DUSTIN DEMERITT, Marketing Communication Team Leader of Radius Financial Group joining us on the "Hot Topic" segment of today's program to share what he is doing to promote his company and loan originators through his Award winning marketing programs. Not only will this help your company, but will give you great ideas on how you can do a better job of marketing yourself and get more business.
As normal, the first half of the program will feature, Joe Farr of MBSQuoteline providing a rate & market update, Alice Alvey of Indecomm Global Services providing a regulatory & legislative update as well as Paul Muolo of IMF News & Sam Garcia of Mortgage Daily giving us a quick overview of the latest news stories impacting out industry.
Please tell others about this program and take a minute to share a link to this program with your friends and associates in the mortgage industry.
Thank you, David Lykken
On this "Hot Topic" segment, we discussed the latest at branding and marketing you and your company. Together with our special guest Pat, John and Scott Seroka of SEROKA & ASSOC. If you are looking for innovative ways in which you can brand and market yourself and your company more effectively, you will want to listen to this program.
Please tell others about this program and take a minute to share a link to this program with your friends and associates in the mortgage industry.
Thank you, David Lykken
On today's program, we are discussing the latest at branding and marketing you and your company. Joining us on the program will be Pat, John and Scott Seroka of SEROKA & ASSOC. If you are looking for innovative ways in which you can brand and market yourself and your company more effectively, you will want to listen to this program.
As normal, the first half of the program will feature, Joe Farr of MBSQuoteline providing a rate & market update, Alice Alvey of Indecomm Global Services providing a regulatory & legislative update as well as Paul Muolo of IMF News & Sam Garcia of Mortgage Daily giving us a quick overview of the latest news stories impacting out industry.
Please tell others about this program and take a minute to share a link to this program with your friends and associates in the mortgage industry.
Thank you, David Lykken
Wondering whether we’re facing another housing bubble – or why rates continue to be at record lows? And what’s the likely impact of recent, dramatic world events on U.S. housing?
On July 25th, I’ll interview a recognized expert about the current market and what’s ahead for loan originators. Cheryl Feltgen, Executive Vice President and Chief Risk Officer for Arch Mortgage Insurance Company, joins me for a special “Hot Topic,” held at the Western Secondary Conference in San Francisco.
As normal, the first half of the program will feature, Joe Farr of MBSQuoteline providing a rate & market update, Alice Alvey of Indecomm Global Services providing a regulatory & legislative update as well as Paul Muolo of IMF News & Sam Garcia of Mortgage Daily giving us a quick overview of the latest news stories impacting out industry.
Please tell others about this program and take a minute to share a link to this program with your friends and associates in the mortgage industry.
Thank you, David Lykken
Many in America have been convinced for years now that we are heading into a serious recession bear. Many of them have repeatedly doubled down on their bearish forecasts only to have been repeatedly proven wrong. And many of these "recession bears" are extremely well educated at some of the most prestigious universities in America. How is that they could have been so consistently wrong? Is it possible that they have been focusing on the wrong data points? Today's special guest for the "Hot Topic" segment is our friend and regular guest Logan Mohtashami. Logan answered this four very basic questions: Why were the bears wrong?What to look for in a recession?Will we see a housing bubble in 2016?How will the future of housing look with a Trump vs. Hillary Presidency? Please tell others about this program and take a minute to share a link to this program with your friends and associates in the mortgage industry.
Thank you, David Lykken
Many in America have been convinced for years now that we are heading into a serious recession bear. Many of them have repeatedly doubled down on their bearish forecasts only to have been repeatedly proven wrong. And many of these "recession bears" are extremely well educated at some of the most prestigious universities in America. How is that they could have been so consistently wrong? Is it possible that they have been focusing on the wrong data points? Today's special guest for the "Hot Topic" segment is our friend and regular guest Logan Mohtashami. Logan will be answering four very basic questions:
Why were the bears wrong? What to look for in a recession? Will we see a housing bubble in 2016? How will the future of housing look with a Trump vs. Hillary Presidency?
As normal, the first half of the program will feature, Joe Farr of MBSQuoteline providing a rate & market update, Andy Schell the "Profit Doctor" & Sam Garcia of Mortgage Daily giving us a quick overview of the latest news stories impacting out industry.
Please tell others about this program and take a minute to share a link to this program with your friends and associates in the mortgage industry.
Thank you, David Lykken
On this "Hot Topic" segment, we have invited back as our special guest ALLAN WEISS, Founder and CEO of Weiss Residential Research. Building upon Allan's recent guest appearance on May 23rd, we learned about a new way where consumers can purchase a home via something called an "Indexed Fractional Ownership" (IFO). This a new and radically innovative approach to buying a residence where a consumer combines his cash along with cash from an institutional investor and together they pay cash for the home. Be sure to tune in and learn how this could change how many buy their next home and the potential impact it could have on the mortgage industry.
Please tell others about this program and take a minute to share a link to this program with your friends and associates in the mortgage industry.
Thank you, David Lykken
Have you ever actually read your mortgage insurance provider’s master policy and realized its implications for your business? Are you looking for ways to originate outside-the-box of that master policy but want a safe and strategic way to do it? Did you know that not all master policies are alike? For June 27th’s Hot Topic segment, I welcome Jim Jumpe, Vice President of Marketing and Product Development at Arch Mortgage Insurance Company, who will discuss a powerful MI master policy solution that can open up fresh opportunities for your business. You may have heard Jim already on the show as the Voice of RateStar, advertising Arch MI’s innovative risk-based pricing program that is revolutionizing the MI industry. For this segment, Jim will talk about why a master policy’s terms truly matter and how they can limit or vastly expand origination opportunities.
As normal, the first half of the program will feature, Joe Farr of MBSQuoteline providing a rate & market update, Alice Alvey of Indecomm Global Services providing a regulatory & legislative update as well as Paul Muolo of IMF News & Sam Garcia of Mortgage Daily giving us a quick overview of the latest news stories impacting out industry.
Please tell others about this program and take a minute to share a link to this program with your friends and associates in the mortgage industry.
Thank you, David Lykken
Happy Memorial Day. On today's podcast, David Lykken, shares three key strategies for success.
Our special guest on the "Hot topic" segment of this podcast was Allan Weiss, Founder/CEO of Weiss Residential Research, creator of an innovative new residential real estate indexes and forecasts technology. Before founding Weiss Residential Research, Mr. Weiss was the co-founder and former CEO of Case Shiller Weiss, producer of the S&P Case Shiller Home Price Indexes and forecasts, which were published regularly in The Wall Street Journal. Allan talks about his latest innovation in forecasting where home prices are heading and when. This opens up new innovative ways how and when homes are bought and sold as well as how to more effectively market to homeowners. This is a "must listen to" program, especially if you and/or your company is in the home purchase market.
Existing Home Sales, which are published monthly by the National Association of Realtors, are up from a year ago but had their worst 1st quarter month-over-month decline since 1991. How can this be with rates so low? Where are home sales headed? To explain these latest trends, we have invited MARK FLEMING, the Chief Economist for First American to come on the "Hot Topic" segment of today's program. Is it really that "there's a shortage inventory of homes for sale" or are there other factors driving the current trends in Existing Home Sales. Additionally, we are going to talk about strategies on how you can position your business to better take advantage of current market trends to prosper in any market whether trending up or down.
As normal, the first half of the program will feature, Joe Farr of MBSQuoteline providing a rate & market update, Alice Alvey of Indecomm Global Services providing a regulatory & legislative update as well as Paul Muolo of IMF News & Sam Garcia of Mortgage Daily giving us a quick overview of the latest news stories impacting out industry.
Please tell others about this program and take a minute to share a link to this program with your friends and associates in the mortgage industry.
Thank you, David Lykken
We are honored today to have as our special guest, Edward L. Golding, FHA's Principal Deputy Assistant Secretary, Office of Housing. On today's program, we will receive an update on what is new at FHA as well as talk about what we can expect between now and the post-election transition. We will be talking about FHA premiums, FHA's programs and if we can anticipate any changes to the existing programs. You won't want to miss this important update.
As normal, the first half of the program will feature, Joe Farr of MBSQuoteline providing a rate & market update, Alice Alvey of Indecomm Global Services providing a regulatory & legislative update as well as Paul Muolo of IMF News & Sam Garcia of Mortgage Daily giving us a quick overview of the latest news stories impacting out industry.
Please tell others about this program and take a minute to share a link to this program with your friends and associates in the mortgage industry.
Thank you, David Lykken
This past week, oral arguments were made on the first ever lawsuit that effectively challenges the constitutinoality of the Consumer Financial Protection Bureau (CFPB) authority. These arguments were made in the case of PHH Corp. v. CFPB that was heard in the U.S. Appeals Court for the District of Columbia. The outcome of this case could have far reaching implications.
Our guest on today's program is MITCH KIDER, Chairman & Managing Partner at Weiner, Brodsky, Kider, PC who has been the attorney representing PHH Corp. in this case. We have asked Mitch to join us today to discuss the following: Provide an overview of this case and why it is so important to the industry. What is the status of where this case stands now that the oral arguments have been made? Depending upon the outcome of this case, what are the possible outcomes? Could this case provide some clarity to RESPA?When we can expect a decision? We say this about most all our programs, but THIS program is a MUST LISTEN TO program if there ever was one.
As normal, the first half of the program will feature, Joe Farr of MBSQuoteline providing a rate & market update, Alice Alvey of Indecomm Global Services providing a regulatory & legislative update as well as Paul Muolo of IMF News & Sam Garcia of Mortgage Daily giving us a quick overview of the latest news stories impacting out industry.
Please tell others about this program and take a minute to share a link to this program with your friends and associates in the mortgage industry.
Thank you, David Lykken
We will be broadcasting "LIVE" from D+H's Booth at the MBA's National Mortgage Technology Conference and Expo in Los Angeles with special guest Diane Bili, Vice Presiden of Lending for D+H. In addition, we will be interviewing other technology executives and getting their insights on the following topics:
Reviewing some of announcements being made at the conference. What is the state of innovation in the mortgage industry today? What are some of the latest trends in mortgage technology? What are some of the challenges facing the mortgage technology industry? Has technology innovation stalled as a result of all the mortgage regulation?
As normal, the first half of the program will feature, Joe Farr of MBSQuoteline providing a rate & market update, Alice Alvey of Indecomm Global Services providing a regulatory & legislative update as well as Paul Muolo of IMF News & Sam Garcia of Mortgage Daily giving us a quick overview of the latest news stories impacting out industry.
Please tell others about this program and take a minute to share a link to this program with your friends and associates in the mortgage industry.
Thank you, David Lykken
Have you ever wonder how some companies are able to close more loans "better, faster and cheaper" than you can? There's no question that with all the new rules and regulations, it is taking most companies longer to close loans AND it is costing them a lot more money to do so. Yet, in spite of all this, some companies are finding ways to out perform the competition.
One of those companies is Radius Financial Group headquartered in the Boston area. I am very grateful that KEITH POLASKI, Principal and the co-founding partner of radius financial group, has agreed to come on the "Hot Topic" segment of today's program to talk about all that he and his management team is doing to close more loans better, faster and more efficiently, with an added benefit of doing so at a lower cost than his competition.
Keith will be sharing with you all that he has underway at radius financial group to not only transform their entire lending platform, but also changing the culture with in his company. You will not want to miss this very important program especially if you are interested in learning what YOU can do become more effectively and efficient.
As normal, the first half of the program will feature, Joe Farr of MBS Quoteline providing a rate & market update, Alice Alvey of Indecomm Global Services providing a regulatory & legislative update as well as Paul Muolo of IMF News & Sam Garcia of Mortgage Daily giving us a quick overview of the latest news stories impacting out industry.
Please tell others about this program and take a minute to share a link to this program with your friends and associates in the mortgage industry.
Thank you, David Lykken
Our guest on on the March 21, 2016 "Hot Topic" segment was DON LAMPE of the law firm Morrison & Foerster. Don is a leading mortgage industry attorney with a special focus of advising the industries top technology companies in the mortgage lending space. Don will be sharing what he sees as CFPB's priorities in 2016 and beyond for mortgage lending and mortgage servicing. Here are just some of the topics we discussed in this segment: How to approach the new mortgage rules, including TRID and if we can expect guidance from the CFPB. Home Mortgage Disclosure Act (HMDA) Rule - The impact it will have on compliance and risk management.Examination processes and priorities – What now and what’s next for the CFPB? Where are the enforcement “hot spots” and identified areas of escalated risk? In addition, Don will be sharing his observations from “Inside the Beltway”.
We welcome your feecback as well as encourage you to share the link to this program with others in your company and industry network.
Thank you,
David Lykken, Host & Executive Producer of the "Lykken On Lending" program.
Our guest today is DON LAMPE of the law firm Morrison & Foerster. Don is a leading mortgage industry attorney with a special focus of advising the industries top technology companies in the mortgage lending space. Don will be sharing what he sees as CFPB's priorities in 2016 and beyond for mortgage lending and mortgage servicing. Here are just some of the topics we will be discussing on today's program: How to approach the new mortgage rules, including TRID and if we can expect guidance from the CFPB. Home Mortgage Disclosure Act (HMDA) Rule - The impact it will have on compliance and risk management.Examination processes and priorities – What now and what’s next for the CFPB? Where are the enforcement “hot spots” and identified areas of escalated risk? In addition, Don will be sharing his observations from “Inside the Beltway”. Don't miss this program and share the link to this program with others in your company and industry network.
Thank you,
David Lykken, Host & Executive Producer of the "Lykken On Lending" program.
The key to our economy, as well as to our industry, is having sustainable and long-term healthy homeownership in America. For most Americans, owning a home is thee American Dream. But until now, there hasn't been an organization who's sole purpose was to be an advocate for America's homeowners. Our special guest, Phil Bracken, recognized this need and formed America's Homeowner Alliance (AHA). The mission of this new organization is to protecting and promoting sustainable homeownership for all segments of America and what this program is about today, is to make you aware how you can get involved and support this organization and benefit both you and your borrowers by promoting this organizaiton.
Tune in and listen to Phil talk about the vision, purpose and mission of this important organization.
Thank you, David Lykken, Host of "Lykken On Lending".
On Today's program, we have invited Jess Lederman & Jeff Lebowitz to join us on the program to talk about the first comprehensive multi-volume resource for mortgage professionals since the meltdown. This multi-volume resource is titled The Mortgage Professionals Handbook covers every aspect of the mortgage business; for anyone involved in production, secondary marketing, operations, compliance, technology & finance. It is written for mortgage bankers, mortgage brokers, and those in mortgage-related positions in large banks, community banks, and credit unions alike. You can learn about this valuable resource by going to the website http://www.mortgagebanking2020.com/.
Beyond this being a valuable resourse to ever mortgage professional regardless of years of experieince, you will be happy to learn that 100% of proceeds from sales of these books will go to benefit the following charities: The ALS Therapy Development Institute of Cambridge, MA, the world's foremost nonprofit biotechnology organization dedicated to finding a cure for Lou Gehrig's Disease;The ALS Association, which engages in similar research, and also helps patients and families cope with the day to day challenges of living with ALS by providing information, resources, and referrals to many sources, including a wide variety of community services;The MBA Foundation's Open Doors program, which provides mortgage and rental assistance grants to families with critically ill or injured children; and MYHouse, which is dedicated to helping homeless youth become self-sufficient, productive members of society.
This program is a re-broadcast of Monday's (2-29-16) "Hot Topic" segment about Home Mortgage Disclosure Act (HMDA) with Alice Alvey.
As most of you are aware, the Consumer Financial Protection Bureau (CFPB) finalized the Home Mortgage Disclosure Act (HMDA) rule in October 2015. With all the focus on TRID, many are not aware that the new HMDA rule adds 25 new data points and modifies 14 others in addition to the existing 9 data fields that were already required. Additionally, lenders now must begin to start reporting data on other types of loans such as reverse mortgages and home equity lines of credit.
To help us sort out all of these changes, we have asked ALICE ALVEY, SVP of Indecomm Global Services and a regular on this program, to walk us through many of these changes and tell us what lenders are doing to prepare.
Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program styled “podcast” hosted by mortgage veteran, David Lykken. Joining the program each week is Joe Farr with a MARKET UPDATE, Alice Alvey providing a LEGISLATIVE UPDATE, Paul Muolo of IMFnews.com & Sam Garcia of MortgageDaily.com giving a quick MTG NEWS HEADLINES update and Andy Schell (a/k/a "The Profit Doctor") providing tips on FINANCIAL MANAGEMENT. This is followed by the HOT TOPIC segment, which is an in depth discussion about one of the hottest topics related to the mortgage industry.
As most of you are aware, the Consumer Financial Protection Bureau (CFPB) finalized the Home Mortgage Disclosure Act (HMDA) rule in October 2015. With all the focus on TRID, many are not aware that the new HMDA rule adds 25 new data points and modifies 14 others in addition to the existing 9 data fields that were already required. Additionally, lenders now must begin to start reporting data on other types of loans such as reverse mortgages and home equity lines of credit.
To help us sort out all of these changes, we have asked ALICE ALVEY, SVP of Indecomm Global Services and a regular on this program, to walk us through many of these changes and tell us what lenders are doing to prepare.
Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program styled “podcast” hosted by mortgage veteran, David Lykken. Joining the program each week is Joe Farr with a MARKET UPDATE, Alice Alvey providing a LEGISLATIVE UPDATE, Paul Muolo of IMFnews.com & Sam Garcia of MortgageDaily.com giving a quick MTG NEWS HEADLINES update and Andy Schell (a/k/a "The Profit Doctor") providing tips on FINANCIAL MANAGEMENT. This is followed by the HOT TOPIC segment, which is an in depth discussion about one of the hottest topics related to the mortgage industry.
Since the housing market meltdown in 2008, the introduction of new regulations and the impact of technological innovation have completely changed “business as usual” for mortgage lenders. Recent economic jitters have some wondering about the long-term health of housing and the implications for loan originators.
On this program, I had a very interesting interview with David Gansberg, President and Chief Executive Officer of Arch Mortgage Insurance. Through an acquisition, Arch MI is both a legacy provider and a relatively new entrant to the mortgage insurance sector, that has emerged as a leading innovator and preferred partner for GSEs and many lenders. Our topics include: What do you think is going on in the current housing market?What do these conditions mean for lenders and borrowers? What challenges do loan originators face?What is the role of mortgage insurance in this market?What are some examples of Arch MI’s commitment to innovation? Be sure to download and listen at your convenience on your mobile device. Also, be sure share a link to this program via e-mail or social media with your associates.
Thank you, David Lykken, program host.
Since the housing market meltdown in 2008, the introduction of new regulations and the impact of technological innovation have completely changed “business as usual” for mortgage lenders. Recent economic jitters have some wondering about the long-term health of housing and the implications for loan originators.
Today I’ll be talking with David Gansberg, President and Chief Executive Officer of Arch Mortgage Insurance. Through an acquisition, Arch MI is both a legacy provider and a relatively new entrant to the mortgage insurance sector, that has emerged as a leading innovator and preferred partner for GSEs and many lenders. Our topics include: What do you think is going on in the current housing market?What do these conditions mean for lenders and borrowers? What challenges do loan originators face?What is the role of mortgage insurance in this market?What are some examples of Arch MI’s commitment to innovation? Be sure to mark your calendars to listen to this program "live" or, as an alternative, download and listen at your convenience on your mobile device. Also, be sure share a link to this program via e-mail or social media with your associates.
Thank you, David Lykken, program host.
Today’s program is the second in a two program series dealing with issues that lenders are facing since TRID went into force. One of this issues we briefly touched on last week was the interaction with settlement agents. On today’s program, we are going to focus on what you can do to work more collaboratively with settlement agents as well as the broader issues focusing on solutions that deal with “the spirit of the law” rather than just addressing “the letter of the law”.
We have invited NANCY ALLEY, VP of Strategic Planning for Simplifile, to join us on the “Hot Topic” segment to talk about innovative solutions that are making a difference. What are some of the biggest challenges that have emerged since TRID went into force? What are lenders doing to over come these challenges? How can lenders work more collaboratively with settlement agents? What are examples of innovative solutions that lenders are employing to overcome these challenges? This program was created to (1) help mortgage professionals, like yourself, stay informed about all that is going on in the industry and (2) provide you ideas and creative solutions to overcome the issues facing our industry. For this reason, we would be grateful if you share the link to this program with others via social media or e-mail.
Thank you,
David Lykken, Host of “Lykken On Lending”
This podcast is a "rebroadcast" of Monday's HOT TOPIC segment with LORETTA SALZANO of the law firm Franzen and Salzano, P.C.
Since TRID became effective on October 3rd, 2015, a fair number of lenders find themselves still struggling with it's implementation. For this reason, we are dedicating today's and next week's program, to this important topic.
On today's program, we have as our special guest, LORETTA SALZANO a leading industry attorney and expert on this topic. Loretta is with the law firm Franzen and Salzano, P.C. Here are some of the questions Loretta will be answering on today's program: What are some stumbling blocks the industry didn’t anticipate?What are the major causes of these hurdles? What impact has TRID had on lenders’ processes, systems and controls?What can lenders do to overcome these issues? Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program styled “podcast” hosted by mortgage veteran, David Lykken.
Closing out this month's series on economic and housing forecasts, we have invited LES PARKER, Senior Vice President of LoanLogics, to tie it all together. Les will be answering questions such as: In light of recent events, is there any chance that the Federal Reserve will follow through with raising interest rates 2016?What are the factors that will impact mortgage rates in 2016?How does global economic turmoil and geopolitical events factor into market conditions here in the US?What are the biggest threats to our industry in the next six-months?What role will technology play in this ever more complex world of mortgage lending?What origination channel(s) will grow or shrink and why? Be sure to tune-in or download this important broadcast.
Your host, David Lykken
The Lykken On Lending podcast is created BY mortgage professionals FOR mortgage professionals to keep you current on industry news.
HAPPY NEW YEAR! I have invited MARK FLEMING, the Chief Economist of First American, to join us again on the "Hot Topic" segement to give our listeners updated economic forecast for the New Year especially now that the Federal Reserve has raised the Fed Funds rate.
Mark will be answering questions such as the following: Can we expect interest rates to steadily rise thoughout the New Year as the Federal Reserve suggests?What will be factors that could influence the direction of interest rates in the next 90-days? Will Home Sales remain strong in 2016 if interest rates rise?What will be the overall lending climate in 2016? Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program styled “podcast” hosted by mortgage veteran, David Lykken. Joining the program each week is Joe Farr with a MARKET UPDATE, Alice Alvey providing a LEGISLATIVE UPDATE, Paul Muolo of IMFnews.com giving a quick MTG NEWS HEADLINES update and Andy Schell (a/k/a "The Profit Doctor") providing tips on FINANCIAL MANAGEMENT.
David
While it is true of other industries, the mortgage industry is unquestionably a relationship driven business! Our industry is built upon a series of complex interdependent business relationships that forms today's mortgage ecosystem. As revealed by the recent roll-out of TRID, more work is needed especially as our industry continues to become more more complex. The best way to accomplish the work that needs to be done is for industry participants to come together in a collaborative way to share and discuss industry "best practices", and that is the focus of today's program.
On today's "Hot Topic" segment, we have as our special guests, David Kittle, Co-founder & Vice Chairman of The Mortgage Collaborative and Arthur Prieston, Chairman of the Prieston Group and is a member of the Board of Directors of The Mortgage Collaborative. Here are some of the questions we will be discussing with David and Arthur: What is The Mortgage Collaborative?What is the Purpose of The Mortgage Collaborative?What are the benefits to the members of The Mortgage Collaborative? How does mission of The Mortgage Collaborative compliment that of the Mortgage Bankers Association (MBA)? Don't miss this important discussion.
I welcome your feedback. And if you are interested in advertising on this program, please e-mail me at David@TMS-Advisors.com or call me at (512) 759-0999.
Your host,
David Lykken
On today's program, we have as our special guest, David Stevens, President & CEO of the Mortgage Bankers Association (MBA). The focus of today's program is will be the growth and importance of the independent mortgage banker in America's housing finance system. David Stevens will be answering questions such as the following: What percentage of the MBA's membership is made up of smaller independent lenders?What are the biggest challenges facing small lenders today?What are the GSEs doing to help smaller lenders? How has TRID impact your smaller members? If you are a independent mortgage lenders or work for one, you will want to tune into this program to better understand the opportunities and threats ahead for smaller mortgage lenders.
Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program styled “podcast” hosted by mortgage veteran, David Lykken. Joining the program each week is Joe Farr with a MARKET UPDATE, Alice Alvey providing a LEGISLATIVE UPDATE, Paul Muolo of IMFnews.com & Sam Garcia of MortgageDaily.com giving a quick MTG NEWS HEADLINES update and Andy Schell (a/k/a "The Profit Doctor") providing tips on FINANCIAL MANAGEMENT. This is followed by the HOT TOPIC segment, which is an in depth discussion about one of the hottest topics related to the mortgage industry.
Next week, the Federal Reserve meets to determine whether or not to raise the Fed Funds rate. Many Fed officials have been providing clues, which would seem to support the rumors that a rate hike is eminent. However, many thought we were going to have a rate hike back in September and it didn't happen. So, will it happen next week? This is what we will be discussing on today's "Hot Topic" segment with special guest LOGAN MOHTASHAMI. We will focusing on questions such as "What are the factors supporting a rate hike?" "What are the reasons it may NOT happen?" Logan has previously been a guest on this program and has shared many of his previous forecasts, many of which happened as predicted. Don't miss this important program.
Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program styled “podcast”. With over 400,000 downloads of this program, it has become the most listened to podcast in the mortgage industry and I hope you will find this program as interesting as it is informative. I encourage you to tell others about this program.
David Lykken
On last week's podcast, ANDY SCHELL a/k/a "The Profit Doctor" gave our listeners an update from the MBA's Accounting and Finance Conference that took place the week before in New Orleans. One of the topics that Andy raised had to do with "Governance" for independent mortgage bankers (IMB's). Because a significant number of our listeners either are an IMB or work for an IMB, we had a significant amount of feedback and requests for additional information. For this reason, I have asked Andy to return as the Hot Topic guest to discuss this important topic. Here are some of the questions we will be discussing and Andy will be answering. What is the purpose of Corporate Governance?What does the CFPB require for Governance?How does an Independent Mortgage Bank address this requirement?Why do they call it a Compliance Management System?What about smaller companies, are they required to comply with these rules? This is an important topic which you will want to tune in and listen too. I would encourage you to tell othera about it as well.
David Lykken, Host and Moderator of the "Lykken On Lending" program.
We are excited to have as our special guest on today's program, industry veteran, Bill Dallas. Bill is the CEO & Founder of Skyline, NewLeaf, Cloud Virga. As an industry veteran and an 'uber' serial entrepreneur, Bill is well known in the industry for his ability to identify market opportunities and, most importantly, market timing. Bill has a successful track record of seizing on numerous opportunities and making the most of them.
On today's program, Bill will be sharing his perspective on what he sees as the opportunities ahead of us in the mortgage industry as well as the obstacles and, of most importance, what it will take to succeed. Bill will be answering questions such as "What is the new normal?" "Where are we at in the housing recovery? ...it is all about timing."
Don't miss this podcast and be sure to share this link with your fellow associates and peers.
Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program styled “podcast” hosted by mortgage veteran, David Lykken. Joining the program each week is Joe Farr with a MARKET UPDATE, Alice Alvey providing a LEGISLATIVE UPDATE, Paul Muolo of IMFnews.com giving a quick MTG NEWS HEADLINES update and Andy Schell (a/k/a "The Profit Doctor") providing tips on FINANCIAL MANAGEMENT. This is followed by the HOT TOPIC segment, which is an in depth discussion about one of the hottest topics related to the mortgage industry.
Have you ever wondered how the US housing finance system compares to that of other countries? On today's program, we have as our special guests TIM SKEET, the European Advisor to AmeriCatalyst and TONI MOSS the Founder & CEO of AmeriCatalyst and EuroCatalyst. Both are international housing and finance experts and will be sharing with our listening audience the housing financing system and trends of other countries, with a special focus on Europe. They will be answering questions such as, "Do other countries governments provide a "backstop" such as the U.S. does for American homebuyer?" "Is America's housing finance system going to look more like what they have in Europe in the future?"
Toni's and Tim's knowledge of other coutries housing finance systems and their combined sense of humor will be as entertaining as it informative.
Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute highly informative program on the hottest topics of what is going on in the mortgage industry and is hosted by mortgage veteran, David Lykken and is the proud recepitent of the Progress in Lending "Innovation Award".
On today's podcast, we will have as our special guest DAVID STEVENS, President & CEO of the Mortgage Bankers Association (MBA). David will be talking about the latest issues facing the mortgage industry and provide our listeners with an update on what the MBA is doing to address these issues as well as provide an update on what we can expect at the upcoming annual convention in San Diego in October.
Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program styled “podcast” hosted by mortgage veteran, David Lykken. Joining the program each week is Joe Farr with a MARKET UPDATE, Alice Alvey providing a LEGISLATIVE UPDATE, Paul Muolo of IMFnews.com giving a quick MTG NEWS HEADLINES update and Andy Schell (a/k/a "The Profit Doctor") providing tips on FINANCIAL MANAGEMENT. This is followed by the HOT TOPIC segment, which is an in depth discussion about one of the hottest topics related to the mortgage industry.
With approximately 97% of all loans orginated in the US today involving an agency or government loan program, when will we see a resurgence of non-agency/non-government loan programs? Today's guest, Eileen O'Grady, an industry veteran and now has become our official "Capital Markets & Structured Finance Industry news correspondent", will give us an update about what's going on with the Capital Markets side of the lending industry. Eileen will be sharing with our listening audience one of the most exciting developments in the Mortgage Capital Markets and Structured Finance areas since the development of agency mortgage backed securities. This has been a big "below the radar" development and most have missed it because, as Eileen says, "the industry has been TRIDhypnotized". On today's podcast, we will first be given an updated on Non Agency loans and explain why there has been so little activity in Non Agency securities. And then Eileen is going to talk about a new mortgage security that is playing a major role in the industry.
You won't want to miss this exciting and informative podcast as we listen to thie very important industry update from our "Capital Markets & Structured Finance Industry news correspondent"!
Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program styled “podcast” hosted by mortgage veteran, David Lykken.
Due to technology issues beyond our control, we were unable to play the interview with HOWARD LAX on Monday's podcast which was on the topic of Marketing Service Agreements (MSA's). Now that BlogTalkRadio has been able to fix the issues, we are able to share with you this interview. Again, my apologies and hope you will find this interview of value. David Lykken, Host of Lykken On Lending!
It seems that Marketing Service Agreements (MSA's) have drawn the ire of the Consumer Financial Protection Bureau (CFPB), but why? What has been the evolution of Marketing Service Agreements (MSA's) and why now have they become so 'toxic' to the point that a number of major financial institutions have announced that they are terminating all MSA's? Is there any MSA structure that the CFPB would find acceptable? If so, do the risks involved out weigh the advantages? ON this podcast we have as our special guest, HOWARD LAX of the Bodman law firm. Howard will answer these questions and will explain why so many are exciting MSA's. Don't miss this important discussion and interview with HOWARD LAX.
Due to technology issues beyond our control, we were unable to play the interview with HOWARD LAX on Monday's podcast which was on the topic of Marketing Service Agreements (MSA's). Now that BlogTalkRadio has been able to fix the issues, we are able to share with you this interview. Again, my apologies and hope you will find this interview of value. David Lykken, Host of Lykken On Lending!
It seems that Marketing Service Agreements (MSA's) have drawn the ire of the Consumer Financial Protection Bureau (CFPB), but why? What has been the evolution of Marketing Service Agreements (MSA's) and why now have they become so 'toxic' to the point that a number of major financial institutions have announced that they are terminating all MSA's? Is there any MSA structure that the CFPB would find acceptable? If so, do the risks involved out weigh the advantages? ON this podcast we have as our special guest, HOWARD LAX of the Bodman law firm. Howard will answer these questions and will explain why so many are exciting MSA's. Don't miss this important discussion and interview with HOWARD LAX.
It seems that Marketing Service Agreements (MSA's) have drawn the ire of the Consumer Financial Protection Bureau (CFPB), but why? What has been the evolution of Marketing Service Agreements (MSA's) and why now have they become so 'toxic' to the point that a number of major financial institutions have announced that they are terminating all MSA's? Is there any MSA structure that the CFPB would find acceptable? If so, do the risks involved out weigh the advantages? ON this podcast we have as our special guest, HOWARD LAX of the Bodman law firm. Howard will answer these questions and will explain why so many are exciting MSA's. Don't miss this important discussion and interview with HOWARD LAX.
Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program styled “podcast” hosted by mortgage veteran, David Lykken. Joining the program each week is Joe Farr with a MARKET UPDATE, Alice Alvey providing a LEGISLATIVE UPDATE, Paul Muolo of IMFnews.com giving a quick MTG NEWS HEADLINES update and Andy Schell (a/k/a "The Profit Doctor") providing tips on FINANCIAL MANAGEMENT. This is followed by the HOT TOPIC segment, which is an in depth discussion about one of the hottest topics related to the mortgage industry.
I was reading the following articles/blog-posts written by DONNA PEEPLES, an industry leader and "Change Visionary, Engagement Engineer & Journey Strategist"... http://www.donnapeeples.com/rendering-reality-molding-virtual-reality-into-the-customer-experience/ and https://www.linkedin.com/pulse/unknown-future-drone-technology-donna-n-peeples
As I read these articles, it became clear that Donna thinks "outside of the box" and would be great guest as we wrap up this series on INNOVATION. As I started researching her background, I learned that Donna was instrumental in engineering the turn-around of United Guaranty. As you listen to this podcast, you will understand why United Guaranty is now the #1 mortgage insurance company in the US! Donna's latest article (see the above link) on "customer experience" gives us insights what other industries are doing to create a new customer experiences and will give you ideas for how YOU can create a new customer experience. I would encourage you to go to Donna's website http://www.donnapeeples.com/
Today's broadcast is yet another podcast in a series of podcasts about innovation in the mortgage industry. This week we have TERRY WAKEFIELD, President and CEO of The Wakefield Company (TWC), as our guest. Terry is a mortgage industry veteran with multiple decades of experience as an innovator and entrepreneur. His experience touches all aspects of mortgage origination, production and servicing, supply chain management, capital markets, strategic alliances, and executive advisory services. On today's podcast, we will learn about TWC’s Process Architecture tools that have transformative potential when combined with best-of-breed software components. It was this process architecture that to what Jack Nunnery of Texas Capital Bank, talked about last week where he called on a group of of innovators to help design an exciting new Mortgage Correspondent Aggregation (MCA) platform. Terry, myself, staff from Loan Logics and numerous others worked wtih Jack on the design of MCA. The result of that work effort is going to change how correspondent lending is done.
Please join me, David Lykken your host & Pres. of TMS Advisors, along with Alice Alvey of Mortgage-U, Joe Farr of MBS Quoteline, Andy Schell of MBS, Paul Muolo of IMF News and Sam Garcia of Mortgage Daily for another informative podcast of Lykken on Lending... created BY mortgage professional FOR mortgage professionals.
This is the third in a series on INNOVATION IN THE MORTGAGE INDUSTRY and we have as our special guest SCOTT HARRIS an experience innovator. On today's broadcast, we are going to talking about his latest innovations. The first is SOCIAL SURVEY, which is simple way to manage your online reputation across multiple media platforms. This system automates an otherwise tedious process and allows you to survey borrowers, manage your online reputation, and track and respond to the results. The second is BUYERS ROAD which will change the way Customers, Realtors, Loan Officers and Title Companies Connect from search to post closing marketing.
FREE OFFER: If you would like the opportunity to join the Beta Test Group at NO COST, click on this link http://btr.socialsurvey.me/ and complete the form.
Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program styled “podcast” hosted by mortgage industry veteran, David Lykken and is joined each week by regulars Alice Alvey, Joe Farr and Andy Schell. We look forward to you join us and telling others about this broadcast.
Thank you,
David Lykken
This is the second in a series of broadcasts focusing on INNOVATION IN THE MORTGAGE INDUSTRY and joining us today will be TONY GARRITANO, Chairman & Founder of Progress In Lending. Tony will be giving us his perspective on where he sees the lates innovation coming from. We will be discussing questions such as: Where is innovation happening in the industry?What are the main hindrances to innovation?When will new technology companies start appearing again?What technology gets Tony Garritano excited these days? Don't miss this important broadcast.
Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program styled “podcast” hosted by mortgage veteran, David Lykken. Joining the program each week is Joe Farr with a MARKET UPDATE, Alice Alvey providing a LEGISLATIVE UPDATE, Paul Muolo of IMFnews.com giving a quick MTG NEWS HEADLINES update and Andy Schell (a/k/a "The Profit Doctor") providing tips on FINANCIAL MANAGEMENT. This is followed by the HOT TOPIC segment, which is an in depth discussion about one of the hottest topics related to the mortgage industry.
This broadcast is the first in a series of broadcasts looking at recent INNOVATION in the mortgage industry. Kicking off this series will be our special guest Brian Fitzpatrick, President and CEO of LoanLogics.
This past Thursday, the National Mortgage News, in their publication Mortgage Technology, ran a story written by Bonnie Sinnock about a new technology that will be launching next week to automate and streamline close loan purchasing and quality control processes for corresponded investors. To read this story, click on this link... http://www.nationalmortgagenews.com/news/technology/new-loanlogics-tech-aims-to-streamline-correspondent-investor-tasks-1055051-1.html?site=default_tech&utm_campaign=mortgage%20technology-jul%202%202015&utm_medium=email&utm_source=newsletter&ET=nationalmortgage%3Ae4678644%3A3896591a%3A&st=email
Tune in and listen to Brian as he talks about his company's latest innovation and how this new technology will impact a variety of correspondent investor tasks, including new seller applications, product pricing and eligibility, prefunding audits, pipeline management and loan funding/boarding.
Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program styled “podcast” hosted by mortgage veteran, David Lykken.
No question that the regulatory changes and the enforcement actions have made it more challenging to be a Mortgage Banker these days. To discuss the latest challenges and what we can expect in the future, we have MITCH KIDER, Chairman and Managing Partner at Weiner Brodsky Kider PC, back as our special guest. Mitch will be giving us an update on the regulatory landscape as well as answer including the following: What can we learn from recent mortgage industry litigation?What is the latest RESPA Enforcement by the CFPB?What are some of the more unique approaches CFPB has taken in their enforcement?What do you think of the CFPB’s position?The Department of Justice seems to be pretty active pursuing lenders for the submission of false claims concerning FHA loans. What’s their approach?What do you think of the Quicken lawsuit against the Department of Justice and HUD? Don't miss this important broadcast with Mitch Kider, the nation's leading regulatory and litigation attorney defending those in the mortgage industry.
Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program styled “podcast” hosted by mortgage veteran, David Lykken. Joining the program each week is Joe Farr with a MARKET UPDATE, Alice Alvey providing a LEGISLATIVE UPDATE, Paul Muolo of IMFnews.com giving a quick MTG NEWS HEADLINES update and Andy Schell (a/k/a "The Profit Doctor") providing tips on FINANCIAL MANAGEMENT.
On June 8th, LES PARKER, Senior Vice President of LoanLogics, was my guest on the broadcast and we began to discuss what we can expect for our industry and housing in the second half of 2015. While we covered a lot of ground, there was still so much that didn't get covered that I have asked Les to come back on to finish sharing his thoughts. Les will be answering questions such as: How does China and the Asian markets factor into market conditions here in the US?What are the biggest threats to our industry in the next six-months?What role will technology play in this ever more complex world of mortgage lending?What origination channel(s) will grow or shrink and why? Be sure to tune-in or download this important broadcast.
Your host, David Lykken
The Lykken On Lending podcast is created BY mortgage professionals FOR mortgage professionals to keep you current on industry news.
As we continue our "Mortgage Industry Update" series, I am excited to have back on the broadcast an old friend and industry veteran, GLEN CORSO, who is the Executive Director of Community Mortgage Lenders of America (CMLA). On today's broadcast, we will be focusing on the segment of the market known as independent mortgage lenders/bankers. We will be answering questions such as: What is the overall outlook for independent mortgage lenders? Better or worse?Will the market share for independent mortgage lenders be growing or contracting?What are the primary driving factors that will be helping independent mortgage lenders?What are the primary driving factors that could be hurting independent mortgage lenders?Is this a good time to become an independent mortgage lender?If so, what does it take to become an independent mortgage lender? If you work for or considering working for an independent mortgage lender or even considering becoming an independent mortgage lender, be sure to tune-in listen to this broadcast or download it later and listen.
Your host, David Lykken.
The Lykken On Lending podcast is created BY mortgage professionals FOR mortgage professionals to keep you current on industry news.
We are almost halfway through the first half of 2015 and many are wondering what the second half of this year is going to look like, especially when it comes to interest rates and loan volumes. I have invited my good friend, LES PARKER, Senior Vice President of LoanLogics, to return as my guest on this broadcast. Les has been a guest numerous times before. His market insights and forecasts of been amazingly accurate. Les will be answering questions such as: Where will interest rates be by the end of the year?Will loan volumes be less if rates rise?What are the biggest threats to our industry in the next six-months?What role will technology play in this ever more complex world of mortgage lending?What origination channel(s) will grow or shrink and why? Be sure to tune-in or download this important broadcast.
Your host, David Lykken
The Lykken On Lending podcast is created BY mortgage professionals FOR mortgage professionals to keep you current on industry news.
It wasn't that long ago that many were saying that WHOLESALE LENDING and the MORTGAGE BROKER were going to go the way of the dinosaur. Today's resurgence of the Wholesale Channel and those that participate in the channel are doing very well. It is one of the great "come back" stories of our industry.
To talk about this, we have as our special guest, GREG MURRAY, CEO of Wholesale One™. On today's broadcast, we will be discussing the following and much more: How will the revitalization of the wholesale market benefit the industry overall?What will be some of the keys in your mind for brokers to succeed in the today’s market?Is a more purchase focused market a good thing for brokers? What is the key - or perhaps couple of keys – to succeeding in wholesale as a lender?Some brokers have begun operating as non-delegated correspondents. Is this a good thing? I encourage you to tune into this important broadcast and tell others to do so as well. Encourage you to email me in advance of this broadcast any questions that you would like me to ask our guest. Our guest, Greg Murray, is very experienced and knowledgeable about the trends related to the Wholesale market and the potential it has.
This is a rebroadcast of just the interview of DAVID STEVENS, President and CEO of the Mortgage Bankers Association (MBA) who was my guest on yesterday's weekly broadcast. This is an interview that you will want to download, listen and share with your colleagues and industry friends. Here are the topics we covered: What is being done to stop excessive enforcement?What are the changes needing to be made to Dodd Frank rules?What is being done about issues related to the Safe Act & transitional licensing?What is the future of "Marketing Agreements"?How to work a purchase market? Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program styled “podcast” hosted by mortgage veteran, David Lykken and can be heard "live" each Monday at Noon Central or downloaded as a podcast at this website.
I have invited DAVID STEVENS, President and CEO of the Mortgage Bankers Association(MBA) to be our guest on today's broadcast. In preparation for this broadcast, I asked David "What are the 'big boiling' issues facing our industry?" I was encouraged when he said, "Dave, my focus is on how to get the rules right!"
As the head of our trade association, the MBA, who lives and works inside of the Washington, DC beltway and as someone who has had the privilege of being in "the Oval Office" on numerous occasions advising the President of the United States on matters related to housing and housing finance, David has unique and special insights into so many issues facing our industry. He truly has a perspective that few have and it is important that we be familiar with these issues. So, as a result, we will be discussing the following issues in the "HOT TOPIC" segment of this broadcast: Stopping excessive enforcementNeeded changes to the Dodd Frank rulesIssues related to the Safe Act - transitional licensingMarketing agreements DON'T MISS this important broadcast with DAVID STEVENS President & CEO of the MBA as our SPECIAL GUEST!
This is a REBROADCAST of just the HOT TOPIC segment from yesterday's broadcast!
No question that TRID is a game changer but how you approach this change could make a difference if TRID works to your advantage or to your detriment. There's a select group of lenders out there who are turning TRID into an opportunity to differentiate themselves from their competition by reengineering their business processes thereby creating efficiencies resulting in shorter lending timelines. In a world where mortgage lenders basically sell the same products at close to the same rates, giving consumers and realtors faster service in a post-TRID world could be a huge differentiator.
Tune into today's broadcast to hear how to make your business processes more efficent thereby shortening timelines to turn the new TRID regulation into an opportunity instead of an obstacle. Sharing his expertise and insights on this important topic, we have as our special guest on the broadcast, Tyler Sherman, President and co-founder of Motivity Solutions. Motivity Solutions is the leading mortgage business intelligence provider in the industry that can play a significant role in identifying Inefficiencies within lending processes. On today's broadcast we will be discussing things like (1) how to measure cycle times to (2) establish key performance indicators so you can (3) track the number of business days between the various stages of your lending process.
No question that TRID is a game changer but how you approach this change could make a difference if TRID works to your advantage or to your detriment. There's a select group of lenders out there who are turning TRID into an opportunity to differentiate themselves from their competition by reengineering their business processes thereby creating efficiencies resulting in shorter lending timelines. In a world where mortgage lenders basically sell the same products at close to the same rates, giving consumers and realtors faster service in a post-TRID world could be a huge differentiator.
Tune into today's broadcast to hear how to make your business processes more efficent thereby shortening timelines to turn the new TRID regulation into an opportunity instead of an obstacle. Sharing his expertise and insights on this important topic, we have as our special guest on the broadcast, Tyler Sherman, President and co-founder of Motivity Solutions. Motivity Solutions is the leading mortgage business intelligence provider in the industry that can play a significant role in identifying Inefficiencies within lending processes. On today's broadcast we will be discussing things like (1) how to measure cycle times to (2) establish key performance indicators so you can (3) track the number of business days between the various stages of your lending process.
This is a rebroadcast of the "Hot Topic" segment from the April 27th, 2015 broadcast regarding MBA's "Mortgage Banking Bound" program... http://events.mortgagebankers.org/MortgageBankingBound/default.html Explaining this program, we had as our special guests, Jeff Schummer, VP of Education Development with the Mortgage Bankers Association (MBA) and Brendan Barry, Director of Business Development for the Morgage Banking Bound program. Developed by MBA Education and taught by industry experts, Mortgage Banking Bound is a unique education and certification opportunity designed to provide exclusive insight into the field of mortgage banking. In just six 90-minute webinars, participants will gain a solid understanding of standard industry practices. Additionally, program graduates earn a certificate of completion from the only national association that represents the entire real estate finance industry, the Mortgage Bankers Association (MBA). Please download, listen and share this very important topic with others. Thank you!
Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program styled “podcast” hosted by mortgage veteran, David Lykken.
Do you know what the average age of those in the mortgage banking industry? It's older than you might think... at LOT older! It is so important that we be actively recruiting and equipping the next the next generation of mortgage banker/lenders.
Joining us on today's broadcast to discuss this important topic, we have as our special guests, Jeff Schummer, VP of Education Development with the Mortgage Bankers Association (MBA) and Brendan Barry also with the MBA. On January 22nd 2015, the MBA launched their "Mortgage Banking Bound" program for college students... https://www.mba.org/2015-press-releases/mba-education-launches-mortgage-banking-bound This program offers students attending community colleges and universities the chance to learn from real estate finance industry experts, network with leading organizations, and access the latest industry information, job boards, career events, and educational offerings with an MBA Student Membership. Be sure to mark your calendars to join us for this important discussion and then down load the broadcast and share it on social media.
Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program styled “podcast” hosted by mortgage veteran, David Lykken.
PROGRAM UPDATE: Due to a family emergency, Michael Fratantoni will not be able to join us today but we are fortunate to have Dr. Lynn Fisher, who serves as Vice President of Research and Economics of the Mortgage Bankers Association (MBA). In this role, she is responsible for managing MBA's economic and mortgage originations forecasts and developing analysis on issues of importance to the mortgage industry.
We are honored today to have back as our special guest, Michael Fratantoni, Ph.D., the Chief Economist for the Mortgage Bankers Association of America. For many mortgage lenders, 2015 has started off as a very good year, but what can we anticipate for the next three to six months? Join us for today's broadcast as we discuss the latest economic data and trends. Also, we will get an up on the recent MBA's Tech Conference in Florida and what we have to look forward to at the upcoming MBA National Secondary Conference in New York City in May.
Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program hosted by mortgage veteran, David Lykken. Joining the program each week is Joe Farr with a MARKET UPDATE, Alice Alvey providing a LEGISLATIVE UPDATE, Paul Muolo of IMFnews.com giving a quick MTG NEWS HEADLINES update, Andy Schell (a/k/a "The Profit Doctor") providing tips on FINANCIAL MANAGEMENT and Tony Garritano providing a TECHNOLOGY UPDATE. This is followed by the HOT TOPIC segment, which is an in depth discussion about one of the hottest topics related to the mortgage industry.
This past week, Vice President Joe Biden and Julián Castro, Secretary of the U.S. Department of Housing and Urban Development were out promoting homeownership for low income families and encouraging lenders to loosen credit standards. After watching David Lykken appeared as a guest on FOX Business discussing this topic ( http://video.foxbusiness.com/v/4159595330001 ), many mortgage lenders wrote him saying they are FOR the loosening credit standards. David asked and we will be discussing, "Wasn't it the loosening of credit standards that got us into the last housing crisis and resulted in the U.S. getting into the 'Great Reccession'?"
To put this all in perspective, Logan Mohtashami will be returning to the broadcast sharing his thoughts on this important topic. You can read his latest blog on this topic at http://loganmohtashami.com/ (Logan Mohtashami | Financial Truth ). He has recently been challenging the assumptions and assertions of many housing experts. Tune in to today's broadcast to hear Logan's latest housing market predictions, things you won't hear from other housing experts.
Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program hosted by mortgage veteran, David Lykken and joined by Alice Alvey, Andy Schell, Joe Farr, Paul Muolo and Sam Garcia all discussing the latest industry news.
With the new TILA-RESPA Integrated Disclosure (TRID) just four very short months away, there has been considerable discussion about vendor readiness and even some rumors about a possible CFPB delay of the rule. While a delay is not likely, the MBA Tech Conference in Orlando had two sessions and a supersession to discuss friction points and issues surrounding the rule from its effects on pre-application to closing. Furthermore, the MBA wrote a letter along with many other trade organizations to the CFPB asking for a grace period on enforecement and liability. Ken Markison, the Vice President of the Mortgage Bankers Association of America (MBA), has been at the forefront in dealing with the CFPB and has just returned from last week's Tech Conference and will be giving us an update on the latest having to do with TRID.
Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program hosted by mortgage veteran, David Lykken. Joining the program each week is Joe Farr with a MARKET UPDATE, Alice Alvey providing a LEGISLATIVE UPDATE, Paul Muolo of IMFnews.com giving a quick MTG NEWS HEADLINES update and Andy Schell (a/k/a "The Profit Doctor") on FINANCIAL MANAGEMENT.
When interest rates recently fell, a surge of new originations overwhelmed the operations of many companies and challenged service level agreements (SLA's), specifically underwriting turn times. Managing the ebbs and flows of mortgage operations has always has been and always will be a challenge for business owners & executives. Some solve SLA issues by staffing for peak periods but that comes at a cost. Others are turning to MI companies and other vendors who provide contract underwriting as a service. The later helps create a variable cost structure that helps companies more effectively manage the ebbs and flows and their costs.
On today's broadcast, we will be discussing best practices involved with CONTRACT UNDERWRITING with a leading CONTRACT UNDERWRITING VENDOR that just happens to be a company with whom many MI companies contract when their customers want them to do contract underwriting.
Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program hosted by mortgage veteran, David Lykken. Joining the program each week is Joe Farr with a MARKET UPDATE, Alice Alvey providing a LEGISLATIVE UPDATE, Paul Muolo of IMFnews.com giving a quick MTG NEWS HEADLINES update, Andy Schell (a/k/a "The Profit Doctor") providing tips on FINANCIAL MANAGEMENT and Tony Garritano providing a TECHNOLOGY UPDATE. This is followed by the HOT TOPIC segment, which is an in depth discussion about one of the hottest topics related to the mortgage industry.
Les Parker will be our special guest today and will be discussing he 2015 Forecast which he is releasing today. Les is an industry veteran, CMB and one of the nation's leading capital markets/hedging experts. You won't want to miss this broadcast as we discuss what we can expect in this New Year.
Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program hosted by mortgage veteran, David Lykken. Joining the program each week is Joe Farr with a MARKET UPDATE, Alice Alvey providing a LEGISLATIVE UPDATE, Paul Muolo of IMFnews.com giving a quick MTG NEWS HEADLINES update, Andy Schell (a/k/a "The Profit Doctor") providing tips on FINANCIAL MANAGEMENT and Tony Garritano providing a TECHNOLOGY UPDATE. This is 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. We invite you to join us to listen and learn. This broadcast is provided to the mortgage industry as a public service compliment of Mortgage Banking Solutions, helping YOU take YOUR business to the next level!
On today's broadcast, we continue last week's discussion on what 2015 has in store for those of us in the mortgage industry.
Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program hosted by mortgage veteran, David Lykken. Joining the program each week is Joe Farr with a MARKET UPDATE, Alice Alvey providing a LEGISLATIVE UPDATE, Paul Muolo of IMFnews.com giving a quick MTG NEWS HEADLINES update, Andy Schell (a/k/a "The Profit Doctor") providing tips on FINANCIAL MANAGEMENT and Tony Garritano providing a TECHNOLOGY UPDATE. This is followed by the HOT TOPIC segment, which is an in depth discussion about one of the hottest topics related to the mortgage industry.
On today's broadcast, we discussed the issues facing the industry in 2015.
Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program hosted by mortgage veteran, David Lykken. Joining the program each week is Joe Farr with a MARKET UPDATE, Alice Alvey providing a LEGISLATIVE UPDATE, Paul Muolo of IMFnews.com giving a quick MTG NEWS HEADLINES update, Andy Schell (a/k/a "The Profit Doctor") providing tips on FINANCIAL MANAGEMENT and Tony Garritano providing a TECHNOLOGY UPDATE. This is followed by the HOT TOPIC segment, which is an in depth discussion about one of the hottest topics related to the mortgage industry.
As we get ready to head into the 2015, we do our best to plan for the New Year ahead and do so based upon economic forecasts from leading economists and those that study the markets looking for signals of change. Today, we have as our special guest, Logan Mohtashami, a mortgage professional who has earned a national reputation as someone who has, with amazing accuracy, predicted the housing market. On today's broadcast, Logan will be share his 2015 Forecast for Housing.
Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program hosted by mortgage veteran, David Lykken. Joining the program each week is Joe Farr with a MARKET UPDATE, Alice Alvey providing a LEGISLATIVE UPDATE, Paul Muolo of IMFnews.com giving a quick MTG NEWS HEADLINES update, Andy Schell (a/k/a "The Profit Doctor") providing tips on FINANCIAL MANAGEMENT and Tony Garritano providing a TECHNOLOGY UPDATE. This is followed by the HOT TOPIC segment.
On today's Broadcast, we had one of our regular listeners as a guest talking about loan origination strategies for the New Year.
Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program hosted by mortgage veteran, David Lykken. Joining the program each week is Joe Farr with a MARKET UPDATE, Alice Alvey providing a LEGISLATIVE UPDATE, Paul Muolo of IMFnews.com giving a quick MTG NEWS HEADLINES update, Andy Schell (a/k/a "The Profit Doctor") providing tips on FINANCIAL MANAGEMENT and Tony Garritano providing a TECHNOLOGY UPDATE. This is followed by the HOT TOPIC segment, which is an in depth discussion about one of the hottest topics related to the mortgage industry.
Process improvement is certainly not a new topic but we often need to be reminded of the impact it can have on our companies. Today's guest, David T. Lord, helps a company identify the processes that need improvement, then, shows how to make the improvements a reality. David’s particular area of expertise is visual management for enhancing communication and accelerating project completion. His method and tools show companies how to develop business cultures that continuously improve while being committed to employees and customers. David’s book, The Visual System of Work: Help Your business Work Better, Make Money and Generate Cash, A 90 Day Implementation Guide, outlines the method and tools. Over 100 businesses have utilized David’s method and tools in the past 25 years…many continuing their journey with him today.
Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program normally hosted by mortgage veteran, David Lykken. However, this broadcast will be hosted by Alice Alvey.
Today's broadcast is an interview with DAVID STEVENS, President & CEO of the Mortgage Bankers Association of America. In this interview, David talks about this year's line-up of speakers at the MBA's Annual Convention in Las Vegas... speakers such as Michael Lewis the author of "The Big Short", the Honorable Julian Castro, Secretary of HUD, the Honorable Melvin Watt, Director of FHFA, Donald Layton, CEO of Freddie Mac, Timothy Mayopoulos, President & CEO of Fannie Mae and many other industry leaders. You will find David's thoughts about the regulatory environment that we find ourselves VERY interesting and encouraging. But what you will find of most interest, is what David hinted about the MBA's economic forecast being presented by Michael Fratantoni, the MBA's Chief Economist who will be our guest on next week's broadcast. He said there are some "surprises" in there forecast to which we all need to pay close attention as we plan for the upcoming year. David is always a great guest with lots of information and this is a broadcast that you definitely will not want to miss.
Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program hosted by mortgage veteran, David Lykken.
Getting every qualified loan funded is always important, but this is especially true as loan volumes fall. Every loan counts, which is the topic of today's broadcast. We have invited Tyler Sherman, CEO of Motivity Solutions, to come on the broadcast. Tyler says, "The first step to understanding pull-through is to measure it." He goes on to say, "Even though pull-through is considered critical, surprisingly few firms are able to effectively pinpoint causes and effects. Without clear indications of causes and effects, corrective steps cannot be taken to improve pull-through. They become victims of their own shortsightedness." Tune in to today's broadcast to learn the corrective steps that need to be taken to improve YOUR pull-through!
Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program hosted by mortgage veteran, David Lykken. Joining the program each week is Joe Farr with a MARKET UPDATE, Alice Alvey providing a LEGISLATIVE UPDATE, Paul Muolo of IMFnews.com giving a quick MTG NEWS HEADLINES update, Andy Schell (a/k/a "The Profit Doctor") providing tips on FINANCIAL MANAGEMENT and Tony Garritano providing a TECHNOLOGY UPDATE. This is followed by the HOT TOPIC segment, which is an in depth discussion about one of the hottest topics related to the mortgage industry.
MBA’s Chairman ELECT, Bill Cosgrove shares his thoughts on the Next Generation of Home Buyers and the Current Regulatory Environment. Bill will share his views on the next generation of homebuyers and the current regulatory environment.
Homebuyer topics: Homebuyer demographics, near future outlook and what’s driving decisions.Credit Availability OutlookWhere are all the First Time Homebuyers?What is the one thing that nobody is talking about, but should be paying attention to, in the industry? Regulatory Topics: How has the regulatory environment most impacted Lenders?Advice for small to mid-sized Lender for navigating the new rulesWhat are the key short term and long term strategies from a regulatory and overall business growth standpoint Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program hosted by mortgage veteran, David Lykken. Joining the program each week is Joe Farr with a MARKET UPDATE, Alice Alvey providing a LEGISLATIVE UPDATE, Paul Muolo of IMFnews.com giving a quick MTG NEWS HEADLINES update, Andy Schell (a/k/a "The Profit Doctor") providing tips on FINANCIAL MANAGEMENT and Tony Garritano providing a TECHNOLOGY UPDATE. This is followed by the HOT TOPIC segment, which is an in depth discussion about one of the hottest topics related to the mortgage industry.
The best selling book, Good to Great by Jim Collins, is about getting the right people “on the bus” and getting the wrong people “off the bus”... the "bus" being your company/organization. This is essential to having healthily functional company/organization. But many struggle to correctly identify which ones are the "right ones" and differentiate them from the "wrong ones”. Whether a company is expanding (hiring) or contracting (doing layoffs), it is so important to know who to hire and who to fire. Today’s guest, Jim Blanchard of Strategic Positioning, will discuss a proven strategy to build the right team.
Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program hosted by mortgage veteran, David Lykken. Joining the program each week is Alice Alvey providing a LEGISLATIVE UPDATE, Joe Farr with a MARKET UPDATE, Andy Schell (a/k/a "The Profit Doctor") providing valuable info on FINANCIAL MANAGEMENT and TONY GARRITANO providing a TECHNOLOGY UPDATE.
YOU HAVE GOT TO LISTEN TO THIS BROADCAST.... We are honored to have as our special guest on this broadcast renowned speaker and author, Larry Winget. Larry's tough love message of "Shut up, stop whining and get a life" is exactly what our industry needs, especially at this time, which is why David Lykken invited him to be on this broadcast. No questions that our industry has gone through and still dealing with our share of difficulties and challenges, BUT we need to stop the whining and complaining, and TAKE ACTION to seize upon the abundant opportunities that ARE out there!! EVERYONE in our industry needs to hear Larry Winget's message that he shared on this week's to this broadcast. You can be assured, it will not be like any other show you have listened to on Lykken on Lending.
Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program hosted by mortgage veteran, David Lykken. Joining the program each week is Joe Farr with a MARKET UPDATE, Alice Alvey providing a LEGISLATIVE UPDATE, Paul Muolo of Inside Mortgage Finance giving a quick MTG NEWS HEADLINES update, Andy Schell (a/k/a "The Profit Doctor") providing tips on FINANCIAL MANAGEMENT and TONY GARRITANO providing a TECHNOLOGY UPDATE. This is followed by the HOT TOPIC segment, which is an in depth discussion about one of the hottest topics related to the mortgage industry.
On todays broadcast, we have as our specials guests Glen Corso of Community Mortgage Lenders America and James Brody of the American Mortgage Law Group. We will be discussing what lenders are beginning to see from state examiners regarding the QM points and fees calculation and the entire ability to repay issue. James has a client base of over 100 lenders and his firm, the American Mortgage Law Group, does regulatory work for them as well as buyback defense work. Also, we will discuss the recent rule promulgated by VA creating a VA QM.
Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program hosted by mortgage veteran, David Lykken. Joining the program each week is Joe Farr with a MARKET UPDATE, Alice Alvey providing a LEGISLATIVE UPDATE, Paul Muolo of Inside Mortgage Finance giving a quick MTG NEWS HEADLINES update, Andy Schell (a/k/a "The Profit Doctor") providing tips on FINANCIAL MANAGEMENT and TONY GARRITANO providing a TECHNOLOGY UPDATE. This is followed by the HOT TOPIC segment, which is an in depth discussion about one of the hottest topics related to the mortgage industry.
What are the keys to a successful recruiting? That was the focus of this broadcast with our special guest, CASEY CUNNINGHAM, CEO & Founder of XINNIX, The Mortgage Academy. On this broadcast, Casey shares practical strategies and techniques to win the battle of adding top mortgage talent to their sales force. For executives and managers looking to add top producers to their sales team.
Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program hosted by mortgage veteran, David Lykken. Joining the program each week is Joe Farr with a MARKET UPDATE, Alice Alvey providing a LEGISLATIVE UPDATE, Paul Muolo of Inside Mortgage Finance giving a quick MTG NEWS HEADLINES update, Andy Schell (a/k/a "The Profit Doctor") providing tips on FINANCIAL MANAGEMENT and TONY GARRITANO providing a TECHNOLOGY UPDATE. This is followed by the HOT TOPIC segment, which is an in depth discussion about one of the hottest topics related to the mortgage industry.
Technology can be either a wonderful enabler or a serious disrupter to any mortgage operation today. On this broadcast, we were fortunate to have one of the mortgage technology veterans, Lester Dominick President and Founder of MortgageFlex, as our special guest. After starting his career as a CPA with Ernst & Young, Lester founded MortgageFlex in 1980. We have asked Lester to come and share where he believes mortgage technology is headed in the foreseeable future.
Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program hosted by mortgage veteran, David Lykken. Joining the program each week is Joe Farr with a MARKET UPDATE, Alice Alvey providing a LEGISLATIVE UPDATE, Paul Muolo of Inside Mortgage Finance giving a quick MTG NEWS HEADLINES update, Andy Schell (a/k/a "The Profit Doctor") providing tips on FINANCIAL MANAGEMENT and TONY GARRITANO providing a TECHNOLOGY UPDATE. This is followed by the HOT TOPIC segment, which is an in depth discussion about one of the hottest topics related to the mortgage industry.
In past weeks, we had received some very mixed economic data along with mortgage applications hitting a 14-year low. This broadcast’s guest, Michael Fratantoni, the Chief Economist for the Mortgage Bankers Association of America, was our guest to sort through all the latest economic information and indicators, and shared his thoughts on what we can expect for the balance of this year.
Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program hosted by mortgage veteran, David Lykken. Joining the program each week is Alice Alvey providing a LEGISLATIVE UPDATE, Joe Farr with a MARKET UPDATE, Andy Schell (a/k/a "The Profit Doctor") providing valuable info on FINANCIAL MANAGEMENT and TONY GARRITANO providing a TECHNOLOGY UPDATE.
In today's business environment, we are looking for new affordable ways in which we can connect with existing and potential customers. Social Media sites, such as Facebook, is a great place to do just that. It is a proven place to maintain or build business. What shocked me was something new on Facebook and you may not even know about. It is BIG.
We had back as our special guest, Jessica Peterson, who has studied social media marketing. With a background in banking, credit union, mortgage and social media she was the perfect guest for this show. Institutions are aware of their responsibilities to oversee and control risks. She shared the following: What the BIG news is Practical ways in which you can manage risk while using Social Media Your responsibility in utilizing social media What is exactly considered social media according to FFIEC What to look for when hiring a social media firm Employees and social media. Do not miss out on this one.
Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program hosted by mortgage veteran, David Lykken. Joining the program each week is Joe Farr with a MARKET UPDATE, Alice Alvey providing a LEGISLATIVE UPDATE, Paul Muolo of Inside Mortgage Finance giving a quick MTG NEWS HEADLINES update, Andy Schell (a/k/a "The Profit Doctor") providing tips on FINANCIAL MANAGEMENT and TONY GARRITANO providing a TECHNOLOGY UPDATE. This is followed by the HOT TOPIC segment, which is an in depth discussion about one of the hottest topics related to the mortgage industry.
The ultimate objective of database marketing is to increase marketing efficiency. On this broadcast, our special guest, Brent Emler of Velma.com shared ideas on how to take intelligent marketing actions that concentrate on those customers that are most likely to respond to the marketing campaign instead of wasting money on unprofitable or uninterested customers, marketing budgets can be spent where they matter the most.
Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program hosted by mortgage veteran, David Lykken. Joining the program each week is Alice Alvey providing a LEGISLATIVE UPDATE, Joe Farr with a MARKET UPDATE, Andy Schell (a/k/a "The Profit Doctor") providing valuable info on FINANCIAL MANAGEMENT and TONY GARRITANO providing a TECHNOLOGY UPDATE.
The mortgage industry is struggling but with any struggle there is always opportunity. On this Roundtable discussion between David Lykken, Alice Alvey, Andy Schell “The Profit Doctor”, and Joe Farr discussed the qualities, business processes, and systems to ensure your company not only survives the current market but thrives in it. Dealing with margin compression Sales Compensation Using technology to streamline business processes Knowledge is Power. Understanding new regulations and their real world impact And More! Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program hosted by mortgage veteran, David Lykken. Joining the program each week is Joe Farr with a MARKET UPDATE, Alice Alvey providing a LEGISLATIVE UPDATE, Paul Muolo of Inside Mortgage Finance giving a quick MTG NEWS HEADLINES update, Andy Schell (a/k/a "The Profit Doctor") providing tips on FINANCIAL MANAGEMENT and TONY GARRITANO providing a TECHNOLOGY UPDATE. This is 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.
Consolidation within the mortgage industry continues to be a growing trend. The increasing costs and complexities of running a mortgage company these day are challenging enough but when you add shrinking loan volumes, business owners see strength in getting bigger. An increasing number of companies are looking to merger with another company or be acquired. If a company is strong enough, they may become the acquirer. In the middle of all this mergers and acquisition (M&A) activity, there are a few quiet and unassuming group of mortgage industry consultants that specialize in advising executives on M&A. We had as our guest, Chuck Klein, who is a 40-year mortgage veteran who has specialized in mergers and acquisitions for the past 20-years. Don't miss this broadcast to find out the latest in the M&A trends within our industry.
Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program hosted by mortgage veteran, David Lykken. Joining the program each week is Alice Alvey providing a LEGISLATIVE UPDATE, Joe Farr with a MARKET UPDATE, Andy Schell (a/k/a "The Profit Doctor") providing valuable info on FINANCIAL MANAGEMENT and TONY GARRITANO providing a TECHNOLOGY UPDATE.
Do you have a marketing strategy? What is the best marketing strategy in today's market? What is content marketing? These and many more questions were answered on this broadcast with special guests, Brent Emler of Velma - Marketing Made Easy and Trey Rigon, Director of Graphic Design Marketing at Movement Mortgage.
Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program hosted by mortgage veteran, David Lykken. Joining the program each week is Alice Alvey providing a LEGISLATIVE UPDATE, Joe Farr with a MARKET UPDATE, Andy Schell (a/k/a "The Profit Doctor") providing valuable info on FINANCIAL MANAGEMENT and TONY GARRITANO providing a TECHNOLOGY UPDATE.
Do you ever wonder why and/or how some people are so over-the-top successful regardless of market conditions? Do you ever wonder what it takes and what are the secrets of the top performers? If so, you will not want to miss this broadcast with TODD SCRIMA, President of Summit Funding Inc. and partner in the CORE Training. On today's broadcast, Todd will be sharing "Keys To Success" in any market and how YOU can achieve success beyond anything you thought possible. DON'T MISS TODAY'S BROADCAST!
Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program hosted by mortgage veteran, David Lykken. Joining the program each week is Joe Farr with a MARKET UPDATE, Alice Alvey providing a LEGISLATIVE UPDATE, Paul Muolo of Inside Mortgage Finance giving a quick MTG NEWS HEADLINES update, Andy Schell (a/k/a "The Profit Doctor") providing tips on FINANCIAL MANAGEMENT and TONY GARRITANO providing a TECHNOLOGY UPDATE. This is 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. We invite you to join us to listen and learn. This broadcast is provided to the mortgage industry as a public service compliment of Mortgage Banking Solutions, helping YOU take YOUR business to the next level!
Listeners, are you aware of the impact of the new FEMA flood maps? The decision to adopt these maps is premature and requires additional consideration. Our speical guests, Fred Glick & George Kasimos, have launched an effect movement that is having a HUGE impact. The reason we are giving voice to this cause is twofold. 1st, to give you an example of an effective grass-root effort to effect change in our industry and 2nd, to make you aware of the Stop Fema Now initative!
Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program hosted by mortgage veteran, David Lykken. Joining the program each week is Joe Farr with a MARKET UPDATE, Alice Alvey providing a LEGISLATIVE UPDATE, Paul Muolo of Inside Mortgage Finance giving a quick MTG NEWS HEADLINES update, Andy Schell (a/k/a "The Profit Doctor") providing tips on FINANCIAL MANAGEMENT and TONY GARRITANO providing a TECHNOLOGY UPDATE. This is 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. We invite you to join us to listen and learn. This broadcast is provided to the mortgage industry as a public service compliment of Mortgage Banking Solutions, helping YOU take YOUR business to the next level!
With so many questions running through minds of many about the direction of mortgage rates, the economy and generally what 2014 holds for our industry, we have invited MIKE FRATANTONI, the Chief Economist for the MBA to share his thoughts and latest economic projections. Knowing that Fed Chairman Yellen has a bias towards a "zero interest rate policy" (ZIRP) and the fact that the Feds seem intent on stepping up tappering, where are mortgage rates headed... up or down? Are mortgage originations going to pick up or continue to contract? To get answers to these and many other questions, be sure to listen to this coming radio broadcast on Monday's, February 10th at 1 PM EST for the latest ECONOMIC UPDATE from our special guest, MIKE FRATANTONI.
Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program hosted by mortgage veteran, David Lykken. Joining the program each week is Joe Farr with a MARKET UPDATE, Alice Alvey providing a LEGISLATIVE UPDATE, Paul Muolo of Inside Mortgage Finance giving a quick MTG NEWS HEADLINES update, Andy Schell (a/k/a "The Profit Doctor") providing tips on FINANCIAL MANAGEMENT and TONY GARRITANO providing a TECHNOLOGY UPDATE. This is followed by the HOT TOPIC segment, which is an in depth discussion about one of the hottest topics related to the mortgage industry.
Can Social Media really help increase your business? We have two special guests, Jessica Peterson and Rebekah Radice, who are experts at building referral networks by way of social media sites such as Facebook, Linkedin, etc. If you are a loan originator or know of a loan originator who is struggling to get enough loans in the door, be sure to tune in and listen to Jessica and Rebekah as they discuss the secrets of how to build and expand your referral network via social media. It may be just what is needed to make your New Year just that much more prosperous.
Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program hosted by mortgage veteran, David Lykken. Joining the program each week is Joe Farr with a MARKET UPDATE, Alice Alvey providing a LEGISLATIVE UPDATE, Paul Muolo of Inside Mortgage Finance giving a quick MTG NEWS HEADLINES update, Andy Schell (a/k/a "The Profit Doctor") providing tips on FINANCIAL MANAGEMENT and TONY GARRITANO providing a TECHNOLOGY UPDATE. This is 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. We invite you to join us to listen and learn. This broadcast is provided to the mortgage industry as a public service compliment of Mortgage Banking Solutions, helping YOU take YOUR business to the next level!
As the new Ability to Repay (ATR) and Qualified Mortgage (QM) rules take effect this week our special guest, Dave Bergstrom with United Guaranty Corp (UGC), was on this broadcast discussing mortgage insurance solutions that comply with the new QM rules. He outlined major elements of the QM rules as it pretains to mortgage insurance and how UGC has responded to the challenges that these new rules created for lenders and borrowers. Dave explained MI options available including borrower-paid monthly and lender-paid options. He also explained how Qualified Mortgage Insurance (QMI) product suite can benefit you and your borrowers in the New Year.
Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program hosted by mortgage veteran, David Lykken. Joining the program each week is Alice Alvey providing a LEGISLATIVE UPDATE, Joe Farr with a MARKET UPDATE, Andy Schell (a/k/a "The Profit Doctor") providing valuable info on FINANCIAL MANAGEMENT and TONY GARRITANO providing a TECHNOLOGY UPDATE.
This is Part 3 in a series where we are discussing ideas that will help you and your company succeed while others are struggling and even fail. We explore why it is that some companies and LO's succeed and other fail. It is adapting to the "New normal" as David Stevens, President of the Mortgage Bankers Association, puts it. Our industry has changed. Tune in and listen to ideas as to how you can adapt and succeed.
Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program hosted by mortgage veteran, David Lykken. Joining the program each week is Joe Farr with a MARKET UPDATE, Alice Alvey providing a LEGISLATIVE UPDATE, Paul Muolo of Inside Mortgage Finance giving a quick MTG NEWS HEADLINES update, Andy Schell (a/k/a "The Profit Doctor") providing tips on FINANCIAL MANAGEMENT and TONY GARRITANO providing a TECHNOLOGY UPDATE. This is 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. We invite you to join us to listen and learn. This broadcast is provided to the mortgage industry as a public service compliment of Mortgage Banking Solutions, helping YOU take YOUR business to the next level!
Ever wonder why some companies and/or loan originators succeed and others fail? Starting with this broadcast, we will be sharing ideas that will help you and your company succeed while others are struggling and even failing. As David Stevens, President of the Mortgage Bankers Association of America, "Welcome to the new normal!" Our industry has changed. You must adapt or die. Tune in and listen to ideas as to how you can adapt and succeed.
Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program hosted by mortgage veteran, David Lykken. Joining the program each week is Joe Farr with a MARKET UPDATE, Alice Alvey providing a LEGISLATIVE UPDATE, Paul Muolo of Inside Mortgage Finance giving a quick MTG NEWS HEADLINES update, Andy Schell (a/k/a "The Profit Doctor") providing tips on FINANCIAL MANAGEMENT and TONY GARRITANO providing a TECHNOLOGY UPDATE. This is 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. We invite you to join us to listen and learn.
This broadcast is provided to the mortgage industry as a public service compliment of Mortgage Banking Solutions, helping YOU take YOUR business to the next level!
Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program hosted by mortgage veteran, David Lykken. Joining the program each week is Alice Alvey providing a LEGISLATIVE UPDATE, Joe Farr with a MARKET UPDATE, Andy Schell (a/k/a "The Profit Doctor") providing valuable info on FINANCIAL MANAGEMENT and TONY GARRITANO providing a TECHNOLOGY UPDATE.
Back by popular demand, our special guest will be Mitch Kider of The WBK Firm. Mitch will be talking about the growing REGULATORY LEGAL RISK as the industry anticipates the latest round of regulations from CFPB. Today's discussion includes QM, LO compensation & a whole lot more.
Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program hosted by mortgage veteran, David Lykken. Joining the program each week is Alice Alvey providing a LEGISLATIVE UPDATE, Joe Farr with a MARKET UPDATE, Andy Schell (a/k/a "The Profit Doctor") providing valuable info on FINANCIAL MANAGEMENT and TONY GARRITANO providing a TECHNOLOGY UPDATE.
On this broadcast, we ran into some technical issues that resulted in a abreviated broadcast. We apologize for this issues but were able to identify what they were so there should not be a reoccruance of that issue. Thank you for your continued support for this broadcast.
Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program hosted by mortgage veteran, David Lykken. Joining the program each week is Alice Alvey providing a LEGISLATIVE UPDATE, Joe Farr with a MARKET UPDATE, Andy Schell (a/k/a "The Profit Doctor") providing valuable info on FINANCIAL MANAGEMENT and TONY GARRITANO providing a TECHNOLOGY UPDATE.
Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program hosted by mortgage veteran, David Lykken. Joining the program each week is Joe Farr with a MARKET UPDATE, Alice Alvey providing a LEGISLATIVE UPDATE, Paul Muolo of Inside Mortgage Finance giving a quick MTG NEWS HEADLINES update, Andy Schell (a/k/a "The Profit Doctor") providing tips on FINANCIAL MANAGEMENT and TONY GARRITANO providing a TECHNOLOGY UPDATE. This is 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. We invite you to join us to listen and learn. This broadcast is provided to the mortgage industry as a public service compliment of Mortgage Banking Solutions, helping YOU take YOUR business to the next level!
Jay Brinkman, Chief Economist of the Mortgage Bankers Association (MBA), will be our special guest during the "Hot Topic" segment. Jay will be sharing his thoughts on the direction of the economy as well as where interests rates might be headed and the factors driving the markets. Don't miss this broadcast! Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program hosted by mortgage veteran, David Lykken. Joining the program each week is Alice Alvey providing a LEGISLATIVE UPDATE, Joe Farr with a MARKET UPDATE, Andy Schell (a/k/a "The Profit Doctor") providing valuable info on FINANCIAL MANAGEMENT and TONY GARRITANO providing a TECHNOLOGY UPDATE.
Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program hosted by mortgage veteran, David Lykken. Joining the program each week is Alice Alvey providing a LEGISLATIVE UPDATE, Joe Farr with a MARKET UPDATE, Andy Schell (a/k/a "The Profit Doctor") providing valuable info on FINANCIAL MANAGEMENT and TONY GARRITANO providing a TECHNOLOGY UPDATE.
This is Part 2 in a series of broadcasts about CFPB's "Third Party Service Provider Vendor Validation" requirement. Many are not aware of this requirement and/or don't which vendors come under this requirement. On TODAY's broadcast Alice Alvey and Andy Schell (The Profit Doctor) discuss CFPB's bulletin (2012-03) which requires all Mortgage Lenders to assess and validate their Third Party Service Providers. This is an important discussion that you will not want to miss. You may want to download and listen to the first (Part 1) broadcast on this topic which aired on September 9th. Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program hosted by mortgage veteran, David Lykken. Joining the program each week is Joe Farr with a MARKET UPDATE, Alice Alvey providing a LEGISLATIVE UPDATE, Paul Muolo of Inside Mortgage Finance giving a quick MTG NEWS HEADLINES update, Andy Schell (a/k/a "The Profit Doctor") providing tips on FINANCIAL MANAGEMENT and TONY GARRITANO providing a TECHNOLOGY UPDATE. This is 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. We invite you to join us to listen and learn. This broadcast is provided to the mortgage industry as a public service compliment of Mortgage Banking Solutions, helping YOU take YOUR business to the next level!
We were honored to have as our special guest on this broadcast DAVID STEVENS, President of the Mortgage Bankers Association (MBA). David shared his insights on where we are at as an industry and along with his perspective as to what the future holds for our indsutry as well as for housing and our economy. This was a MUST LISTEN to broadcast for every mortgage professional. Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program hosted by mortgage veteran, David Lykken. Joining the program each week is Joe Farr with a MARKET UPDATE, Alice Alvey providing a LEGISLATIVE UPDATE, Paul Muolo of Inside Mortgage Finance giving a quick MTG NEWS HEADLINES update, Andy Schell (a/k/a "The Profit Doctor") providing tips on FINANCIAL MANAGEMENT and TONY GARRITANO providing a TECHNOLOGY UPDATE. This is 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. We invite you to join us to listen and learn. This broadcast is provided to the mortgage industry as a public service compliment of Mortgage Banking Solutions, helping YOU take YOUR business to the next level!
On today's special Labor Day holiday broadcast, we will have as our guest Steve Wilely of The Lincoln Leadership Institute at Gettybury along with Michael Wheeden of the Mortgage Bankers Association (MBA). We will be discussing LEADERSHIP and lessons learned from the battle at Gettysburg can transform your business and our industry. Once again the MBA has partnered with Steve Wiley & The Lincoln Leadership Institute at Gettybury for an amazing one day event that we will be discussing in this broadcast. Tune-in or download and listen. Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program hosted by mortgage veteran, David Lykken. Joining the program each week is Joe Farr with a MARKET UPDATE, Alice Alvey providing a LEGISLATIVE UPDATE, Paul Muolo of Inside Mortgage Finance giving a quick MTG NEWS HEADLINES update, Andy Schell (a/k/a "The Profit Doctor") providing tips on FINANCIAL MANAGEMENT and TONY GARRITANO providing a TECHNOLOGY UPDATE. This is 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. We invite you to join us to listen and learn. This broadcast is provided to the mortgage industry as a public service compliment of Mortgage Banking Solutions, helping YOU take YOUR business to the next level!
The CFPB has been the focus of recent broadcasts and on today's broadcast, we have as our special guest Reid Smeda, President of CSi. We will be discussing how every company can develop a successful relationship with the Consumer Finance Protection Bureau (CFPB). In the July issue of Mortgage Banking magazine, Reid published an article titled "Four Keys to a Successful Relationship wiht the CFPB". Many in our industry question if that is possible. So on today's broadcast, you will want to listen and learn from this direct and candid interview with Reid on this timely topic. One thing is for sure, CFPB is here to stay and we all would do well to find a way to successfully work with them. This will no doubt be a very interesting interview! Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program hosted by mortgage veteran, David Lykken. Joining the program each week is Joe Farr with a MARKET UPDATE, Alice Alvey providing a LEGISLATIVE UPDATE, Paul Muolo of Inside Mortgage Finance giving a quick MTG NEWS HEADLINES update, Andy Schell (a/k/a "The Profit Doctor") providing tips on FINANCIAL MANAGEMENT and TONY GARRITANO providing a TECHNOLOGY UPDATE. This is 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. We invite you to join us to listen and learn. This broadcast is provided to the mortgage industry as a public service compliment of Mortgage Banking Solutions, helping YOU take YOUR business to the next level!
The focus of today's broadcast is RECRUITING the top talent and our guest is ADAM SIDLE, BranchMatch Guru of Pro Mortgage Branching Solutions. Adam has extensive experience pairing successful branch managers with the right retail production companies. Adam will be sharing strategies that have worked for him and his company for years. Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program hosted by mortgage veteran, David Lykken. Joining the program each week is Joe Farr with a MARKET UPDATE, Alice Alvey providing a LEGISLATIVE UPDATE, Paul Muolo of Inside Mortgage Finance giving a quick MTG NEWS HEADLINES update, Andy Schell (a/k/a "The Profit Doctor") providing tips on FINANCIAL MANAGEMENT and TONY GARRITANO providing a TECHNOLOGY UPDATE. Then we have the HOT TOPIC segment which is listed above. 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. We invite you to join us to listen and learn. This broadcast is provided to the mortgage industry as a public service compliment of Mortgage Banking Solutions, helping YOU take YOUR business to the next level!
Have you ever wondered why some achieve amazing results and others fail? Most of the time, it is not about working harder, but working smarter, which means getting COACHED! On this broadcast, RICK RUBY of the CORE TRAINING shares how he and his team of coaches are helping a select group of loan originators achieve amazing results all the while helping them have a balanced and fulfilled lives. No wonder RICK RUBY was rated the #1 speaker at the MasterMind 2013 event in Las Vegas. Download and listen to this important broadcast to this dynamic and energetic interview of this top industry coach, trainer and mentor! Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program hosted by mortgage veteran, David Lykken. Joining the program each week is Joe Farr with a MARKET UPDATE, Alice Alvey providing a LEGISLATIVE UPDATE, Paul Muolo of Inside Mortgage Finance giving a quick MTG NEWS HEADLINES update, Andy Schell (a/k/a "The Profit Doctor") providing tips on FINANCIAL MANAGEMENT and TONY GARRITANO providing a TECHNOLOGY UPDATE. Then we have the HOT TOPIC segment which is listed above. 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. We invite you to join us to listen and learn. This broadcast is provided to the mortgage industry as a public service compliment of Mortgage Banking Solutions, helping YOU take YOUR business to the next level!
As we continue our series on LOAN ORIGINATIONS, today's broadcast focuses on the all-to-familiar disconnect between the C-Suite executives and Production/Sales, and specifically what can be done to reconnect these two important components of every mortgage company. Our special guest is PAT SHERLOCK, who has been successful at working with larger companies such as BB&T on creating successful partnerships between production and executive management. Tune in and listen to Pat explain the keys to making this partnership work effectively. Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program hosted by mortgage veteran, David Lykken. Joining the program each week is Joe Farr with a MARKET UPDATE, Alice Alvey providing a LEGISLATIVE UPDATE, Paul Muolo of Inside Mortgage Finance giving a quick MTG NEWS HEADLINES update, Andy Schell (a/k/a "The Profit Doctor") providing tips on FINANCIAL MANAGEMENT and TONY GARRITANO providing a TECHNOLOGY UPDATE. Then we have the HOT TOPIC segment which is listed above. 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. We invite you to join us to listen and learn. This broadcast is provided to the mortgage industry as a public service compliment of Mortgage Banking Solutions, helping YOU take YOUR business to the next level!
Today's special guest is DAVE SAVAGE the CEO of the Mortgage Coach. Dave has over twenty years of experience as a mortgage executive, business leader and mobile technology pioneer. As founder of SmartReply, Dave established a leading presence in mobile marketing. By launching MortgageCoach and Real Estate Radio Network, he has helped tens of thousands of loan officers help millions of homeowners make confident, informed mortgage decisions. Dave is passionate about leveraging mobile technology to reinvent the home buying experience. Don't miss this informative radio program. Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program hosted by mortgage veteran, David Lykken. Joining the program each week is Joe Farr with a MARKET UPDATE, Alice Alvey providing a LEGISLATIVE UPDATE, Paul Muolo of Inside Mortgage Finance giving a quick MTG NEWS HEADLINES update, Andy Schell (a/k/a "The Profit Doctor") providing tips on FINANCIAL MANAGEMENT and TONY GARRITANO providing a TECHNOLOGY UPDATE. Then we have the HOT TOPIC segment which is listed above. 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. We invite you to join us to listen and learn. This broadcast is provided to the mortgage industry as a public service compliment of Mortgage Banking Solutions, helping YOU take YOUR business to the next level!
We are excited to have as our special guest, GREG FROST, the first in the industry to originate, close & fund over a BILLION DOLLARS in mortgage loans. Rick Ruby of Core Training introduced Greg this past week at the MasterMind 2013 conference in Las Vegas as an "icon" of the mortgage industry... so true! Greg has trained thousands of loan originators across the country and will be sharing on this broadcast a few "can't fail" tactics that have help make Greg so successful year-after-year for many decades. Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program hosted by mortgage veteran, David Lykken. Joining the program each week is Joe Farr with a MARKET UPDATE, Alice Alvey providing a LEGISLATIVE UPDATE, Paul Muolo of Inside Mortgage Finance giving a quick MTG NEWS HEADLINES update, Andy Schell (a/k/a "The Profit Doctor") providing tips on FINANCIAL MANAGEMENT and TONY GARRITANO providing a TECHNOLOGY UPDATE. Then we have the HOT TOPIC segment which is listed above. 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. We invite you to join us to listen and learn. This broadcast is provided to the mortgage industry as a public service compliment of Mortgage Banking Solutions, helping YOU take YOUR business to the next level!
This broadcast is the first in a multi-week series of broadcasts on the topic of LOAN ORIGINATIONS... "What's changed & what is yet to change!" On today's broadcast, DAVID LYKKEN will be sharing a fasinating perspective of where mortgage loan originations is heading in the years to come. Be sure to tune in and listen as Dave "kicks off" this thought provoting and insightful series on loan originations. Don't miss any of these broadcasts. Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program hosted by mortgage veteran, David Lykken. Joining the program each week is Alice Alvey providing a LEGISLATIVE UPDATE, Joe Farr with a MARKET UPDATE, Paul Muolo of Inside Mortgage Finance giving quick MTG NEWS HEADLINES update, Andy Schell (a/k/a "The Profit Doctor") providing tips on FINANCIAL MANAGEMENT and TONY GARRITANO providing a TECHNOLOGY UPDATE.
Our special guest, DAVID ALLISON of Dovenmuehle, will be discusssing the key trends we see today in loan servicing. Also, we will be answering questions like: What are the obsticles for a lender considering getting into loan servicing? Why do some lenders use subservicers vs. doing servicing in-house? What are the regulatory/compliance issues? What are your duties/responsibilities if you choose to use a subservicer? What is the approval process to become approved with a subservicer? Are there minimum volume requirements? These and a host of other questions will be asked. Today's broadcast will answer these and many other important questions on the topic of loan servicing. Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program hosted by mortgage veteran, David Lykken. Joining the program each week is Alice Alvey providing a LEGISLATIVE UPDATE, Joe Farr with a MARKET UPDATE, Paul Muolo of Inside Mortgage Finance giving quick MTG NEWS HEADLINES update, Andy Schell (a/k/a "The Profit Doctor") providing tips on FINANCIAL MANAGEMENT and TONY GARRITANO providing a TECHNOLOGY UPDATE.
On today's broadcast, ALICE ALVEY of Mortgage-U and ANDY SCHELL of Mortgage Banking Solutions discussing VENDOR MANAGEMENT. Did you know that it is now a requirement that you have policies and procedures for more closely managing your vendors? It is your responisibility to make sure that the vendors, such as subservicers, are performing their duties and responsibilities according to the agreements/contracts in place and they are doing so in a manner that is in compliance with today's regulations. Today's broadcast is loaded with important information that you need to perform this important task. Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program hosted by mortgage veteran, David Lykken. Joining the program each week is Alice Alvey providing a LEGISLATIVE UPDATE, Joe Farr with a MARKET UPDATE, Paul Muolo of Inside Mortgage Finance giving quick MTG NEWS HEADLINES update, Andy Schell (a/k/a "The Profit Doctor") providing tips on FINANCIAL MANAGEMENT and TONY GARRITANO providing a TECHNOLOGY UPDATE.
Special guests, AUSTIN TILGHMAN and DAVID STEPHENS with UNITED CAPITAL MARKETS talk about the economics of LOAN SERVICING in today's market and if it is the right time to consider retaining loan servicing. Austin & David are two of the most qualified and knowledgeable mortgage professionals in the mortgage industry today on this topic. If you are contemplating getting into loan servicing ans want to learn more about current economics and risks involved, you will want to listen to this broadcast. Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program hosted by mortgage veteran, David Lykken. Joining the program each week is Alice Alvey providing a LEGISLATIVE UPDATE, Joe Farr with a MARKET UPDATE, Andy Schell (a/k/a "The Profit Doctor") providing valuable info on FINANCIAL MANAGEMENT and TONY GARRITANO providing a TECHNOLOGY UPDATE.
This is the first in the series of broadcast dealing with loan servicing. To kick off this series, we've invited FRANK PALLOTTA, EVP of the Loan Value Group to discuss his innovative strategies for predicting and preventing loan delinquencies. Whether you're new to loan servicing or an experience servicer, you will not want to miss this broadcast. Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program hosted by mortgage veteran, David Lykken. Joining the program each week is Alice Alvey providing a LEGISLATIVE UPDATE, Joe Farr with a MARKET UPDATE, Andy Schell (a/k/a "The Profit Doctor") providing valuable info on FINANCIAL MANAGEMENT and TONY GARRITANO providing a TECHNOLOGY UPDATE.
Today's special guest is CHUCK KLEIN. He is a 39-year veteran of the mortgage industry and has specialized in mergers and acquisitions (M&A) for the past 20-years. There are as many banks and investment groups looking to buy mortgage companies as there are mortgage bankers considering selling their companies. If you are considering buying or selling, you will want to listen to this broadcast. Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program hosted by mortgage veteran, David Lykken. Joining the program each week is Alice Alvey providing a LEGISLATIVE UPDATE, Joe Farr with a MARKET UPDATE, Andy Schell (a/k/a "The Profit Doctor") providing valuable info on FINANCIAL MANAGEMENT and TONY GARRITANO providing a TECHNOLOGY UPDATE.
On today's broadcast, we have PAT SHERLOCK as our special guest. Pat will be talking about trends in recruiting and hiring new loan originators. As one of the leading industry production consultants, she is getting really good results and will be sharing some of her thoughts and ideas on this broadcast. Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program hosted by mortgage veteran, David Lykken. Joining the program each week is Alice Alvey providing a LEGISLATIVE UPDATE, Joe Farr with a MARKET UPDATE, Andy Schell (a/k/a "The Profit Doctor") providing valuable info on FINANCIAL MANAGEMENT and TONY GARRITANO providing a TECHNOLOGY UPDATE
Today's special guest is STEVE O'CONNOR, Senior Vice President of Public Policy and Industry Relations at the Mortgage Bankers Association (MBA). Steve will be giving our listeners an update on the MBA's residential policy for legislation, regulation and other important industry issues. Never has it been more important that YOU as a mortgage professional be INFORMED and INVOLVED on the pressing issues of the day. Be sure to tune in and listen to this important broadcast and tell your friends and associates in the industry to do the same. Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program hosted by mortgage veteran, David Lykken. Joining the program each week is Alice Alvey providing a LEGISLATIVE UPDATE, Joe Farr with a MARKET UPDATE, Andy Schell (a/k/a "The Profit Doctor") providing valuable info on FINANCIAL MANAGEMENT and TONY GARRITANO providing a TECHNOLOGY UPDATE.
Today's special guest, PAUL MUOLO, is the Managing Editor of Inside Mortgage Finance & its web daily IMFNews.com. For 25 years Paul was a senior editor at National Mortgage News, writing and editing stories and starting its data collection group. He co-authored of two bestselling books, "Chain of Blame, How Wall Street Caused the Mortgage and Credit Crisis" (published in the summer of 2008), and "Inside Job, the Looting of America's Savings and Loans" published in 1989. Paul will be sharing his perspective on where we are at as an industry and will do so from the vantage point of having written about the industry for more than two and half decades. Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program hosted by mortgage veteran, David Lykken. Joining the program each week is Alice Alvey providing a LEGISLATIVE UPDATE, Joe Farr with a MARKET UPDATE, Andy Schell (a/k/a "The Profit Doctor") providing valuable info on FINANCIAL MANAGEMENT and and TONY GARRITANO providing a TECHNOLOGY UPDATE.
Surprisingly, MORTGAGE FRAUD is on the increase as reported in Core Logic's December 2012 report on this topic. Click here http://www.corelogic.com/research/2012-mortgage-fraud-trends-report.pdf to read the report. Our special guest, Mike Davis, has a unique perspective on this topic. You will definately want to listen to his story in the "HOT TOPIC" segment of today's broadcast. Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program hosted by mortgage veteran, David Lykken. Joining the program each week is Alice Alvey providing a LEGISLATIVE UPDATE, Joe Farr with a MARKET UPDATE, Andy Schell (a/k/a "The Profit Doctor") providing valuable info on FINANCIAL MANAGEMENT and TONY GARRITANO providing a TECHNOLOGY UPDATE.
Our special guest on this broadcast is PHIL SCHULMAN of K&L Gates. Phil will be giving our audience an update on the slew of new regulations that has come out of CFPB in recent weeks. He will be discussing CFPB's power and if Director Cordray's appointment will challenged given last weeks court rulings. We will also be discussing at length the Qualified Mortgage (QM) rule and the implications it means for the mortgage industry. Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program hosted by mortgage veteran, David Lykken. Joining the program each week is Alice Alvey providing a LEGISLATIVE UPDATE, Joe Farr with a MARKET UPDATE, Andy Schell (a/k/a "The Profit Doctor") providing valuable info on FINANCIAL MANAGEMENT and TONY GARRITANO providing a TECHNOLOGY UPDATE.
Our special guest, DOMINICK TAVELLA, of Diversified Financial Consultants, Inc. Dominick is a national figure and regular guest on FOX News and FOX Business discussing discussing the financial markets as well as financial strategies for individiuals like YOU and business owners wanting to maximize their earnings on their companies liquidity. Tune in and listen to this common sense approach to investing your hard earned money. Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program hosted by mortgage veteran, David Lykken. Joining the program each week is Alice Alvey providing a LEGISLATIVE UPDATE, Joe Farr with a MARKET UPDATE, Andy Schell (a/k/a "The Profit Doctor") providing valuable info on FINANCIAL MANAGEMENT and TONY GARRITANO providing a TECHNOLOGY UPDATE.
ALICE ALVEY provides our listening audience with a detailed update and analysis on QM that CFPB's released late last week. This will have profound implications on future mortgage lending. Tune in and listen to learn what this means for YOUR business. Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program hosted by mortgage veteran, David Lykken. Joining the program each week is Alice Alvey providing a LEGISLATIVE UPDATE, Joe Farr with a MARKET UPDATE, Andy Schell (a/k/a "The Profit Doctor") providing valuable info on FINANCIAL MANAGEMENT and TONY GARRITANO providing a TECHNOLOGY UPDATE.
2013 has the potential of being a year like no other year in the history of the mortgage industry. Why? You will want to tune in to TODAYs broadcast, our special guest LES PARKER as he shares his thoughts for the New Year as it relates to the mortgage industry, housing and, in a broader sense, the US economy. Mortgage industry veteran, David Lykken, along with frequent guests, Alice Alvey and Joe Farr provide up-to-the-minute information on interest rates, loan programs and "hot" industry news related to the mortgage industry. E-mail me topic you would like discussed on the program to DLykken@MBS-Team.com
HAPPY NEW YEAR... Knowing that TECHNOLOGY will play an increasing important role in the mortgage lending as the industry becomes more complex due to new regualations, we invited back the Executive Directors of Progress in Lending and have asked them to share with our listeners their predictions for what we can expect in the New Year and beyond. Mortgage industry veteran, David Lykken, along with frequent guests, Alice Alvey and Joe Farr provide up-to-the-minute information on interest rates, loan programs and "hot" industry news related to the mortgage industry. E-mail me topic you would like discussed on the program to DLykken@MortgageBankingSolutions.com
On this Christmas Eve broadcast, we have two special guests... BILL COPPEDGE & DON HENIG. BILL is the author of the widely read blog Mortgage News Clips & newest contributor this radio program with the "Under The Radar" segment. DON, is an industry leader who will be sharing story about how a group of business leaders came to gather to make a difference this Chirstmas Season to give so much to those who have so little. This is a great story and will put some Christmas cheer in your holiday.
You will want to listen to this broadcast with DAVID STEVENS, President of the Mortgage Bankers Association of America (MBA) who was our special guest on the hot topic segment which starts 24:00 minutes in to the broadcast. David has brought much needed LEADERSHIP to an industry facing unprecedented challenges especially in times of uncertainty. David shared his vision for 2013 and what we can expect to happen and not happen in the New Year. Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program hosted by mortgage veteran, David Lykken. Joining the program each week is Alice Alvey providing a LEGISLATIVE UPDATE, Joe Farr with a MARKET UPDATE, Andy Schell (a/k/a "The Profit Doctor") providing valuable info on FINANCIAL MANAGEMENT and TONY GARRITANO providing a TECHNOLOGY UPDATE.
On this broadcast, radio regulars (Alice, Andy, Joe and David) do a post election analysis on the impact this election will have on our industry. Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program hosted by mortgage veteran, David Lykken. Joining the program each week is Alice Alvey providing a LEGISLATIVE UPDATE, Joe Farr with a MARKET UPDATE, Andy Schell (a/k/a "The Profit Doctor") providing valuable info on FINANCIAL MANAGEMENT and ROB KATZ of DMD, Inc. with the "THINGS YOU SHOULD KNOW ABOUT" report and TONY GARRITANO providing a TECHNOLOGY UPDATE.
Today's special guest is Tom Piercy, Managing Partner of IMA, specializing in loan servicing trading and valuation. We will be answering questions like: What does this election mean to servicers? What are the necessary changess servicers need to consider in operations & balance sheet. Where are banks today? What regulatory & compliance changes can we anticipate? Tom will share his impressions of this election and what it means for our industry.
The future of the GSE's, Fannie & Freddie, as well as the future liquidity of our secondary markets will no doubt be decided by the upcoming election. What will our indusry look like if we have another 4-years of an Obama presidency vs Romney presidency? Tune in & listen to today's informative broadcast with our special guest is Jay Brinkmann, Chief Economist & SVP of Research & Education for the Mortgage Bankers Association of American. We will be discussing the MBA's white paper which is titled "Recommendation for the future government role." We will discuss the importance of housing in the economic and social fabric of the United States and if it warrants a federal government role in promoting liquidity and stability in the market for mortgage debt. The size and scope of the U.S. housing market mean that, except in times of extreme duress, the federal government’s role should be to promote liquidity for investor purchases of mortgage-backed securities, not to attempt to provide the capital for or absorb the risks itself. Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program hosted by mortgage veteran, David Lykken. Joining the program each week is Alice Alvey providing a LEGISLATIVE UPDATE, Joe Farr with a MARKET UPDATE, Andy Schell (a/k/a "The Profit Doctor") providing valuable info on FINANCIAL MANAGEMENT and TONY GARRITANO providing a TECHNOLOGY UPDATE.
The September issue of the MBA's Mortgage Banking magazine, a must read issue, focused on the upcoming ELECTION and had two very well written articles by Robert England, a well known author and journalist. The two articles "The Next Administration" and "Q&A With Richard Cordray" are so important for every mortgage professional to read! I asked Robert to come on the radio program to discuss these two articles. We recommend you download and listen to this broadcast as well as read the articles in the Mortgage Banking Magazine. Robert wrote the book, "Black Box Casino - How Wall Street's Risky Shadow Banking Crashed Global Finance" which can be purchased at... Praeger: http://www.abc-clio.com/product.aspx?id=2147508857 Amazon.com: http://www.amazon.com/Black-Box-Casino-Streets-Banking/dp/0313392897/ref=sr_1_6?ie=UTF8&qid=1305470614&sr=8-6 Barnes & Noble: http://www.barnesandnoble.com/s/black-box-casino Mortgage industry veteran, David Lykken, along with frequent guests, Alice Alvey, Andy Schell, Joe Farr and Tony Garritano provide up-to-the-minute information on interest rates, loan programs and "hot" industry news related to the mortgage industry.
Mortgage industry veteran, David Lykken, along with frequent guests Joe Farr and Andy Schell (Alice was on vacation) providing an up-to-the-minute information on interest rates, loan programs and "hot" industry news related to the mortgage industry. E-mail me topic you would like discussed on the program to DLykken@MortgageBankingSolutions.com
On today's broadcast, we discussed INDUSTRY HEADLINES dominating the news from Wells Fargo shutting down Wholesale, to the Obama Administration pressuring Ed DeMarco at FHFA to allow Fannie and Freddie to "write down" underwater loans and much more. Mortgage industry veteran, David Lykken, along with frequent guests, Alice Alvey and Joe Farr provide up-to-the-minute information on interest rates, loan programs and "hot" industry news related to the mortgage industry. E-mail me topic you would like discussed on the program to DLykken@MortgageBankingSolutions.com
Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program hosted by mortgage veteran, David Lykken. Joining the program each week is Alice Alvey providing a LEGISLATIVE UPDATE, Joe Farr with a MARKET UPDATE, Andy Schell (a/k/a "The Profit Doctor") providing valuable info on FINANCIAL MANAGEMENT and ROB KATZ of DMD, Inc. with the "THINGS YOU SHOULD KNOW ABOUT" report and TONY GARRITANO providing a TECHNOLOGY UPDATE.
On today's broadcast, David Lykken, along with frequent guests, Alice Alvey, Andy Schell and Joe Farr provided up-to-the-minute information on interest rates, loan programs and "hot" industry news related to the mortgage industry. This week we specifically focused on what is going on with Greece & Spain and the impact all that could have our industry. Also, we also discussed CFPB's LO flat-fee proposal and what YOU can do to make a difference. You have more influence than you might otherwise realize. Listen and learn about what YOU can do.
On today's special Memorial Day broadcast, David Lykken, talks about the profound experience he had while attending a 2 1/2 day LEASDERHIP DEVELOPMENT event organized by the MBA and put on by Steven Wiley & THE LINCOLN LEADERSHIP INSTITUDE at GETTYSBURG which took place this past week, May 23rd -25th. As David shares, "This event is life changing" and explains why this event is a "must attend" for every professional in the mortgage industry. Gettysburg is so much more significant than just a historical battle that was the turning point of the Civil War, but it is a treasure trove of valuable lessons that can be learned about leadership, both good and bad. IMPORTANT UPDATE TO THIS BROADCAST: Funds for the "Path to Diversity" scholarship are no longer available for the event put by Lincoln Leadership Institute at Gettysburg. Nonetheless, the MBA members are being offered a substantially discounted rate. Go to www.CampusMBA.org/Lincoln to learn more and to register for this event. Today's broadcast is dedicated to all those that have made the ultimate sacrifice so that we can enjoy the freedoms we share and for all the men and women that have or are serving this great nation. Mortgage industry veteran, David Lykken, along with frequent guests, Alice Alvey and Joe Farr provide up-to-the-minute information on interest rates, loan programs and "hot" industry news related to the mortgage industry. E-mail me topic you would like discussed on the program to DLykken@MortgageBankingSolutions.com
Broadcasting "live" from the MBA Technology Conference in Phoenix, David Lykken interviews top mortgage technology executives. From these interviews, you will learn the latest trends and developments in mortgage technology. Also, we will be announcing the winner of the Progress In Lending "Innovation Award". Mortgage industry veteran, David Lykken, along with frequent guests, Alice Alvey and Joe Farr provide up-to-the-minute information on interest rates, loan programs and "hot" industry news related to the mortgage industry. E-mail me topic you would like discussed on the program to DLykken@MortgageBankingSolutions.com
Continuing with the topic of LOAN SERVICING we started in February, we have as our special guests Tom Piercy of Interactive Mortgage Advisors (IMA). Tom has years of experience in buying and selling of servicing and will explain how LOAN SERVICING is a tradable asset. There are so many compelling reasons you should consider retaining loan servicing... not just for the cashflows they can generateand but also the money that can be made selling or even buying and reselling loan servicing. Tom will talking about the market trends related to trading loan servicing pools. Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program hosted by mortgage veteran, David Lykken. Joining the program each week is Alice Alvey providing a LEGISLATIVE UPDATE, Joe Farr with a MARKET UPDATE, Andy Schell (a/k/a "The Profit Doctor") providing valuable info on FINANCIAL MANAGEMENT and TONY GARRITANO providing a TECHNOLOGY UPDATE.
In the month of February, we are focusing on LOAN SERVICING. The economics have changed making the strategy of retaining loan servicing something that makes sense. Tune in and listen this whole month as we dive into this important topic. Mortgage industry veteran, David Lykken, along with frequent guests, Alice Alvey and Joe Farr provide up-to-the-minute information on interest rates, loan programs and "hot" industry news related to the mortgage industry. E-mail me topic you would like discussed on the program to DLykken@MortgageBankingSolutions.com
In the month of February, we are focusing on LOAN SERVICING. On this broadcast, we had as our special guests Austin Tilghman and David Stephens, CEO & CFO respectfully, both with United Capital Markets (UCM). These gentlemen are widely regarded as the our industry's leading experts on LOAN SERVICING. We discussed how the economics have changed making the strategy of retaining loan servicing something that not only makes sense but absolutely should be give serious considerination in your company. This especially true given FHFA's February 1st announcment that they are backing away from radical servicing-fee changes. Download and listen to this program and listen to all of this month's program as we dive into this important topic. Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program hosted by mortgage veteran, David Lykken. Joining the program each week is Alice Alvey providing a LEGISLATIVE UPDATE, Joe Farr with a MARKET UPDATE, and Andy Schell (a/k/a "The Profit Doctor") providing valuable info on FINANCIAL MANAGEMENT and TONY GARRITANO providing a TECHNOLOGY UPDATE.
The saying, "there are no second chances at making a good first impression" is so appropriate when it comes to the financial reporting component of the "Call Report". In fact, getting it wrong could lead to serious consequences for your company... and it is now law that EVERYONE needs to file a financial report. You have to get it right the first time. On today's program, we had as our "special" guest an industry expert who trains and advises many of the CPA's auditing mortgage companies across America. This is a critical topic and if you are a busienss owner, CPA, CFO or a CEO, this program will provide you with some important information that could be critical to the success of your business.
On this special Martin Luther King Day broadcast, we focus in on QM, QRM and what HARP II could do to and for your business. Show Host, David Lykken and regular Alice Alvey shared highlights on some of the information that the MBA provided in their Webinar this past Friday, January 13th, 2012. It is so important that your voice to be heard by your respective US Representative and Senator if we ever hope to turn the tide on the all out asault on our industry. Listen, learn and act... DO SOMETHING... don't just let all this happen without your voice being heard. Mortgage industry veteran, David Lykken, along with frequent guests, Alice Alvey and Joe Farr provide up-to-the-minute information on interest rates, loan programs and "hot" industry news related to the mortgage industry. E-mail me topic you would like discussed on the program to DLykken@MortgageBankingSolutions.com
HAPPY NEW YEAR... What are the TOP TOPICS... the TOP ISSUES you need to be aware of and focused upon in 2012? On today's broadcast, our regulars, Alice, Andy, & Joe, discussed the top issues that will be affecting your world... your business... in 2012. Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program hosted by mortgage veteran, David Lykken. Joining the program each week is Alice Alvey providing a LEGISLATIVE UPDATE, Joe Farr with a MARKET UPDATE, Andy Schell (a/k/a "The Profit Doctor") providing valuable info on FINANCIAL MANAGEMENT and ROB KATZ of DMD, Inc. with the "THINGS YOU SHOULD KNOW ABOUT" report and TONY GARRITANO providing a TECHNOLOGY UPDATE.
Effectively managing OPERATIONAL RISKS does not have to come at the expense of "producing more loans". On today's program, industry veteran Becky Walzak of Looking Glass Gorup, LLC, answered questions such as "What is Operational Risk?"..."Why is it important?"... "What critical measurements should you have set up at your company to manage operational risk?"... "Understanding the difference between 'variance' and 'violations'." Today's guest was Becky Walzak, someone who has a balanced perspective on managing for operational risk without sacrificing good production. If you are a business owner or consider yourself a serious mortgage professional, you will want to listen in to today's broadcast to learn about this important topic. Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program hosted by mortgage veteran, David Lykken. Joining the program each week is Alice Alvey providing a LEGISLATIVE UPDATE, Joe Farr with a MARKET UPDATE, and Andy Schell (a/k/a "The Profit Doctor") providing valuable info on FINANCIAL MANAGEMENT and TONY GARRITANO providing a TECHNOLOGY UPDATE.
Today's special guest was MBA's Chief Economist and SVP, Jay Brinkman. Jay holds a Ph.D. in finance from Purdue University and an MBA from Tulane. He worked in Fannie Mae's portfolio strategy group on risk-based capital issues. He also was a Capital Hill press secretary. If you have ever heard Jay Brinkmann speak, you know what a treat we had on today's program. His expertise and abilities as an economist is only excelled by his wonderful witty sense of humor as he expounds on the complexities of our economy and housing finance. Best of all, Jay is refreshingly down-to-earth and is "real". Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program hosted by mortgage veteran, David Lykken. Joining the program each week is Alice Alvey providing a LEGISLATIVE UPDATE, Joe Farr with a MARKET UPDATE, and Andy Schell (a/k/a "The Profit Doctor") providing valuable info on FINANCIAL MANAGEMENT and TONY GARRITANO providing a TECHNOLOGY UPDATE.
Hi Listeners - For this weeks program, I had invited Jerry Alt, President of LOGS to be our guest. LOGS is leader in designing comprehensive and cost-effective legal solutions. I am excited to have had Jerry on the program for many reasons, but the primary reason is so you can hear how Jerry with a refreshing creative "can do" attitude has accomplished doing more loan modifications in an amazing short amount of time than anyone thought possible. He is as entertaining as he is fascinating in his commentary about our industry. Come listen to a guy who has found a way to be extraordinarily successful in an over regulated world. My goal is for you to be inspired to overcome operational challenges many of you are facing. One thing is guaranteed... you won't be bored. Mortgage industry veteran, David Lykken, along with frequent guests, Alice Alvey and Joe Farr provide up-to-the-minute information on interest rates, loan programs and "hot" industry news related to the mortgage industry. E-mail me topic you would like discussed on the program to DLykken@MortgageBankingSolutions.com
Mortgage industry veteran, David Lykken, along with frequent guests, Alice Alvey and Joe Farr provide up-to-the-minute information on interest rates, loan programs and "hot" industry news related to the mortgage industry. E-mail me topic you would like discussed on the program to DLykken@MortgageBankingSolutions.com
On today’s program, show host, David Lykken, along with regular guests, Alice Alvey, Andy Schell and Joe Farr discussed the latest in “headliners” in our industry. Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program hosted by mortgage veteran, David Lykken. Joining the program each week is Alice Alvey providing a LEGISLATIVE UPDATE, Joe Farr with a MARKET UPDATE, and Andy Schell (a/k/a "The Profit Doctor") providing valuable info on FINANCIAL MANAGEMENT and TONY GARRITANO providing a TECHNOLOGY UPDATE.
Back by (very) poplar demand, we had David Souders with the law firm Weiner Brodsky Sidman & Kider as our guest. On September 26th, David was on the program and we discussed the "do's and don'ts" related to recruiting (both as as recruiter and a recruitee). We received as much or more feedback from that one program as we have had from any other program. We were inundated with questions. So on this program, we dove deeper and answered many of the questions that we had received as a result of the program on September 26th. You can e-mail David Lykken questions at DLykken@MBS-Team.com or go to the LinkedIn discussion group "Lykken On Lending radio program blog and discussion group" and post your questions there. Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program hosted by mortgage veteran, David Lykken. Joining the program each week is Alice Alvey providing a LEGISLATIVE UPDATE, Joe Farr with a MARKET UPDATE, Andy Schell (a/k/a "The Profit Doctor") providing valuable info on FINANCIAL MANAGEMENT and ROB KATZ of DMD, Inc. with the "THINGS YOU SHOULD KNOW ABOUT" report and TONY GARRITANO providing a TECHNOLOGY UPDATE.
This was the second part of Guest Toni Moss's discussion about the future of the Mortgage Banking Industry. At a time when there are so many questions about the future of our industry and the future of our country’s economy, it is wonderfully refreshing to listen to some really really smart people intelligently dialogue about the answer. That is what today’s program was about. TRUST ME… YOU WOULDN’T HAVE WANTED TO MISS THIS PROGRAM. I was so excited to have as my guest on this broadcast Toni Moss, President and founder of EuroCatalyst and AmeriCatalyst. Each year for the past 10 years, she has brought together for a amazing 2 1/2-day event some of the brightest minds in the world to discuss the most poignant questions of the day related to housing and housing finance. Today Toni had agreed to come on this program to share more of her thoughts into what the future holds as well as insights into her event to be held here in Austin, Texas on November 6th – 8th. Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program hosted by mortgage veteran, David Lykken. Joining the program each week is Alice Alvey providing a LEGISLATIVE UPDATE, Joe Farr with a MARKET UPDATE, Andy Schell (a/k/a "The Profit Doctor") providing valuable info on FINANCIAL MANAGEMENT and ROB KATZ of DMD, Inc. with the "THINGS YOU SHOULD KNOW ABOUT" report and TONY GARRITANO providing a TECHNOLOGY UPDATE.
We have once again broadcasted LIVE from the MBA's 98th Annual Convention in Chicago. Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program hosted by mortgage veteran, David Lykken. Joining the program each week is Alice Alvey providing a LEGISLATIVE UPDATE, Joe Farr with a MARKET UPDATE, Andy Schell (a/k/a "The Profit Doctor") providing valuable info on FINANCIAL MANAGEMENT and TONY GARRITANO providing a TECHNOLOGY UPDATE.
On this program, special guest Toni Moss, President and founder of EuroCatalyst & AmeriCatalyst, speaks frankly about the difficulties ahead for our industry as well as for our economy both nationally and globally. He provocative perspective comes from her operational mortgage experience in more the 27 countries. Toni is one of the foremost experts on global housing finance with a specialization in the capital markets. Toni is renowned for predicting the trajectory of the current economic crisis based upon her early warnings about the impact of globalization on housing from 2002 to present. If you want a deep understanding of what is going on in the markets from locally to globally, you will want to listen to this broadcast and then consider attending the upcoming AmeriCatalyst event in Austin, TX November 7th and 8th. To learn more, go to www.AmeriCatalyst.com Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program hosted by mortgage veteran, David Lykken. Joining the program each week is Alice Alvey providing a LEGISLATIVE UPDATE, Joe Farr with a MARKET UPDATE, Andy Schell (a/k/a "The Profit Doctor") providing valuable info on FINANCIAL MANAGEMENT and TONY GARRITANO providing a TECHNOLOGY UPDATE.
Recruiting top production talent has always been an important growth strategy of any company looking to grow their business. This is especially true today. But many are taking on unnecessary legal liability because they are not aware of the do's and don'ts associated with recruiting. On today's broadcast, our special guest, David Souders of the Weiner Brodsky Sidman Kider law firm discussed this important topic. You have got to listen to this program to realize where you are at risk. Seriously, this program could save you from getting caught up in an expensive lawsuit. Be sure to tell your friends and associates to download and listen to this important discussion especially if they are considering make a move to another company. Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program hosted by mortgage veteran, David Lykken. Joining the program each week is Alice Alvey providing a LEGISLATIVE UPDATE, Joe Farr with a MARKET UPDATE, Andy Schell (a/k/a "The Profit Doctor") providing valuable info on FINANCIAL MANAGEMENT and TONY GARRITANO providing a TECHNOLOGY UPDATE.
Back by popular demand, Jon Traver, production consultant, was back as our guest. We answered questions like, "How do you keep your existing branches while recruiting new branches?" "What are the keys to recruiting top branches and LO's?" "What is your value proposition to both your current LO's and future LO's?" You will want to listen as we discussed creative "out-of-the-box" ideas to build production. Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program hosted by mortgage veteran, David Lykken. Joining the program each week is Alice Alvey providing a LEGISLATIVE UPDATE, Joe Farr with a MARKET UPDATE, Andy Schell (a/k/a "The Profit Doctor") providing valuable info on FINANCIAL MANAGEMENT and TONY GARRITANO providing a TECHNOLOGY UPDATE.
On today's show, we will be broadcasting "LIVE" from the Default Servicing Conference in Dallas, TX where approximately 5,000 people will be in attendance with special guest appearances including President George W. Bush and Mayor Rudy Giuliani. Go to the following links to learn more about this important conference. http://www.thefivestar.com/fsc-2011/ Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program hosted by mortgage veteran, David Lykken. Joining the program each week is Alice Alvey providing a LEGISLATIVE UPDATE, Joe Farr with a MARKET UPDATE, Andy Schell (a/k/a "The Profit Doctor") providing valuable info on FINANCIAL MANAGEMENT and ROB KATZ of DMD, Inc. with the "THINGS YOU SHOULD KNOW ABOUT" report and TONY GARRITANO providing a TECHNOLOGY UPDATE.
Since the beginning of the housing crisis, even top performing loan servicers have been under tremendous pressure from consumer groups, regulators and legislators to help keep families in their homes. Today, we will have a special guest from PMI to discuss the positive impact that servicers who utilize industry recognized best practice principles have on homeowners, communities and mortgage investors. In this enlightening segment, PMI will share some of the best practice principles it has observed as common links among top-performing loan servicers. Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program hosted by mortgage veteran, David Lykken. Joining the program each week is Alice Alvey providing a LEGISLATIVE UPDATE, Joe Farr with a MARKET UPDATE, Andy Schell (a/k/a "The Profit Doctor") providing valuable info on FINANCIAL MANAGEMENT.
You host, David Lykken, will be speaking at the annual Arizona Mortgage Lenders Association (AMLA) convention on the topic of "The Future Of Mortgage Banking". So on today's "hot topic" segment David is going share with you our listeners some of the content from his speech. We will of course be covering our topics... rates, legislative update and the "Profit Doctor" segment. Tune and tell your friends and Associates to do the same.
Greetings Listners, If ever there was a "must listen to" broadcast, it would be this broadcast. The special guest we had on today's broadcast was MITCH KIDER of the law firm Weiner Brodsky Sidman Kidder, PC located in Washington, DC. On this program, Mitch gave us an important update about Qualified Residential Mortgage (QRM). Our discussion covered three general areas of this critical issue. They are... How likely are changes to the current definition of QRM?If changes are likely, what aspects of the rule are most likely to change?What is the most likely time line for next steps and implementation?
HAPPY MEMORIAL DAY - It is important that we all take time for some "R&R" to kick-back and recharge your batteries. One way to do that is to go on a cruise. On today's radio show, we discuss the upcomping Mortgage Leaders Cruise scheduled for October 13th - 17th. On today's broadcast, we interview some of the speakers that will be on this cruise. So, while you are relaxing and enjoying your Memorial Day holiday, tune in and listen & lean how you can both relax, rejuvenate and learn success strategies for the next year.
The MORTGAGE CALL REPORT is due in two weeks. Many smaller companies have the mistake notion that because they are not a mortgage banking company, they do not have to prepare the new MORTGAGE CALL REPORT... that is WRONG!! All licensed entities, even a one person company, has to file this report to the National Mortgage Licensing System (NMLS) which in turn is forward to YOUR state regulator. ARE YOU READY? On this program, regular weekly guests on the Lykken On Lending show, Alice Alvey, Andy Schell & Joe Farr, will be diving deeper into the specifics of what is involved with getting prepared to accurately submitt this report to NMLS. You do NOT want to miss this series of broadcasts on this critical deadline. This does not have to be all scary and negative. Listen and learn how you can use this information to better manage your business.
On this program, we will continue our discussion of the new Mortgage Call Report required by the NMLS of ALL licensed mortgage companies – whether a mortgage banker, a mortgage broker, or even a one person operation. Joining the program each week are: - Alice Alvey providing a Legislative Update, - Joe Farr with a Market Update, - Andy Schell (a.k.a. "The Profit Doctor") providing valuable insight into Financial Management, - Rob Katz of DMD, Inc. with the "Things You Should Know About" report, and… - Tony Garritano providing a Technology Update. Be sure to tune-in each week for this valuable information!
On today's program, David Lykken and regular weekly guests, Andy Schell & Joe Farr begin to dissect the new MORTGAGE CALL REPORT getting into the details of WHO and WHEN this new report is to be filed. LOAN ORIGINATORS, don't have the mistaken notion that you don't need to care about this report. While you may not have to file a report (unless you are a one person entity), it is critical that you be aware of WHAT is involved in preparing this report. This broadcast is the first in a series of broadcasts on the MORTGAGE CALL REPORT. Be sure to download this program and share it with your industry friends and associates as well as with those that own your company assuming you are not the owner. E-mail us your feedback and any questions at DLykken@MortgageBankingSolutions.com
On today's program, David Lykken, & regular weekly guest, Joe Farr of MBS Quoteline, discuss the following: Recognizing emerging "opportunities" for LO's in a post LO Comp era. (a MUST listen to segment).Risk retention - 5% held by who & for how long & is risk retention going to be applicable to Fannie & Freddie loansA slew of new bills from the Republican House Financial Services Committee most of which seem focused on Fannie & Freddie. Toni Garritano gave an update on what is happening within the world of mortgage technology. You can download this program and listen to it on your favorite MP3 device or streaming. Be sure to select a reminder so you can listen each week to the lates industry news and hot topics. Also, if you are interested advertising on the radio program, please contact DLykken@MortgageBankingSolutions.com.
On today's broadcast we will be discussing 11th hour "stay" on L.O. Comp as well as the "Mortgage Call Report". Our special guests will be Rich Andreano & John Socknat of the law firm Patton Boggs LLP. This law firm and specifically our two guests, Rich & John, have been on the forefront of both LO Comp & the Mortgage Call Report. You will NOT want miss this program nor the FREE Patton Boggs webinar this coming Thursday, April 7th from 2:00-3:30 pm. You can lean more at http://www.pattonboggs.com/webinar-2011-mortgage-call-report-requirements/ Rich will be giving us a report on what this past week and we can anticipate this week on LO Comp. John will be discussing the new "Mortgage Call Report" and what is involved to be ready and compliant. Two great guests on two VERY important topics.
This will be our last chance to discuss LO COMPENSATION before it goes live April 1st. In this show we will be discussing the various compensation plans being rolled out across the country. Please any questions you like discussed on the show to DLykken@MortgageBankingSolutions.com and the Subject line write "QUESTIONS FOR 3-28-11 LOL PROGRAM."
We will be discussing the Fed's March 17th Webinar on L.O. Compensation. Glen Corso will be back as our special guest and will be answering many of your questions. Please e-mail your questions to DLykken@MortgageBankingSolutions.com and in the subject line write "QUESTION FOR 3-21-11 LOL PROGRAM". We will do our best to get to as many of your questions as possible.
Due to poplular demand, we had GLEN CORSO back as our guest discussing LOAN ORIGINATION COMPENSATION with a special focus on how the DOL's requirement to pay min. hourly wage or a salary plays into LO Comp plans. Please excuse the technology difficulty we were having in the first part of the program.
On today's broadcast, host David Lykken and his regular guests, Alice Alvey, Andy Schell & Joe Farr will be reviewing specific L.O. Comp plans and will be having an indepth discussion about the issues realted to each plan. Loan originator compensation has been the #1 issue challenging the mortgage industry today. Everyone is wanting specifics and on this program we will be discussing in detail specific plans.
On today's broadcast, host David Lykken and his regular guests, Alice Alvey, Andy Schell & Joe Farr go into an indepth discussion about the issues realted to loan originator compensation which is the #1 issue challenging the mortgage industry today. They discussed the difference between the Fed's "New Rule" which is effective April 1st and Dodd-Frank which is effective July 21st. On this program they discussed the differences in L.O. comp plans starting to emerge from banks, large and small independent mortgage bankers and brokers. This is the first of a two part series.
This show is the FOURTH in a four part series of broadcasts about the issues facing independent mortgage bankers. In today's broadcast, we will be discussing specific RECOMMENDATIONS that independent mortgage bankers should consider implementing to increase their probability of success in the months and years ahead. The basis for the discussion on this broadcast will be the report prepared by a group of up-and-coming mortgage professionals that were apart of the MBA’s Future Mortgage Leaders program. If you are a regular listener, you may recall that members of this group were guests on this radio program back in December 6, 2010. On that program, they gave a brief overview of the report that they had prepared and presented at the Annual MBA Convention. After the program aired on December 6th, we received a number of requests wishing we had had the time to delve deeper into this excellent report… which is exactly what we will be doing today. Please join us and tell your friends and associates to do the same.
This show is the THIRD in a four part series of broadcasts about the issues facing independent mortgage bankers. In today's broadcast, we will be discussing specific ISSUES and CHALLENGES facing independent mortgage bankers in months and years ahead. The basis for the discussion on this broadcast will be the report prepared by a group of up-and-coming mortgage professionals that were apart of the MBA’s Future Mortgage Leaders program. If you are a regular listener, you may recall that members of this group were guests on this radio program back in December 6, 2010. On that program, they gave a brief overview of the report that they had prepared and presented at the Annual MBA Convention. After the program aired on December 6th, we received a number of requests wishing we had had the time to delve deeper into this excellent report… which is exactly what we will be doing today. Please join us and tell your friends and associates to do the same.
This show is the SECOND in a four part series of broadcasts about the issues facing independent mortgage bankers. In today's broadcast, David's special guests were Jamie Korus, President of Alliance Financial Resources and Dino Lack, VP of Wells Fargo and we discussied OPERATIONS, TECHNOLOGY and CONTROLS needed for independent mortgage bankers to be successful in months and years ahead. The basis for the discussion on this broadcast will be the report prepared by a group of up-and-coming mortgage professionals that were apart of the MBA’s Future Mortgage Leaders program. If you are a regular listener, you may recall that members of this group were guests on this radio program back in December 6, 2010. On that program, they gave a brief overview of the report that they had prepared and presented at the Annual MBA Convention. After the program aired on December 6th, we received a number of requests wishing we had had the time to delve deeper into this excellent report… which is exactly what we will be doing today. Please join us and tell your friends and associates to do the same.
David's special guests will be Steve Haslam, Pres/CEO of StreetLinks.com. Steve will be discussing exciting new developments in the appraisal industry and how you can benefit from what is coming. Tune into this important program to stay informed on this critical area of lending process.
David’s special guests will be Jamie Korus, Jodie Morgan, Bonnie Doty, Dino Lack and Ken Kummerer who collectively gave an impressive presentation at the 97th Annual MBA Convention in Atlanta about “The Future of The Independent Mortgage Banker (IMB)”. On this show, they will provide our listeners a comprehensive analysis on the future of the IMB to determine how IMBs will survive and flourish in the “new” mortgage industry.
This week on Lykken on Lending program, David and his regular guests will be discussing the various ways in which companies are trying to comply with the new LOAN ORIGINATOR COMPENSATION changes. If you are wanting to gain insights to how others are going about implementing these required changes, you will not want to miss this week's program.
David's special guest will be Dennis Santiago, CEO, Inst Risk Analytics (IRA). Dennis and his team design and build analysis and scoring system that measure financial risks for credit officers and anyone responsible for managing risk. This program will give you the listener insights to how many business leaders are looking at risk in today’s environment.
David's Special Guests will be Mark Foley and Jon Ballard of PMI as well as Rick Harper, of Consumer Credit Counseling Services (CCCS) of San Francisco. With foreclosures all dominating the news these days, learn about PMI’s partnership with CCCS is doing to help address this crisis by working with loan services to keep homeowners in their homes. As a mortgage or real estate professional you will not want to miss this very informative program.
Dave's special guest will be Margaret M. Kelly, CEO of RE/MAX International. With a passion to make a difference, Kelly rose rapidly through the ranks of the Membership Services and Regional Services departments, being named Vice President in 1992 and President in 2002. Today, she oversees all worldwide RE/MAX operations. In January 2010, Kelly was appointed to the Board of Directors of the Denver Branch of the Federal Reserve Bank. She has also been recognized by Inman News as one of the Top 100 Most Influential Real Estate Leaders of 2009. And REALTOR magazine named Kelly one of Real Estate's 25 Most Influential Thought Leaders in 2006. Kelly will be providing our listeners insights on real estate trends for the months ahead. Join us on this broadcast and listen to this industry leader.
David's Special Guest: Tony Musgrave, PLLC is an attorney & expert on the new labor laws soon to be impacting LOAN OFFICER COMPENSATION. What should be your strategy for implementing the required changes? Lacking the answers? Then you will want to tune into this very important radio broadcast to hear Tony along with our regular guests lay out the issues and start suggesting solutions! Tony is a mortgage industry veteran and has been a practicing lawyer for over 25 years. He understand the business and legal issues!
David's Special Guest will be Beth Ozenghar, Director of Correspondent Lending with AgFirst Farm Credit Bank. In a market where every real estate transaction counts, it is important for you to know what options are available for meeting the financing needs of rural residential properties. This week’s Special Guest, Beth Ozenghar, will be talking about the financing options available for your customers buying rural or agricultural real estate properties. Don’t miss this informative program.
David's Special Guest: John Tuccillo, Economist & Speaker. John Tuccillo is one of the foremost real estate economists in the United States. His presentations on the economic outlook, real estate markets and change in the real estate business are invariably witty, informative and accessible to both lay and professional audiences. His experience and counsel are sought out by major real estate firms and technology firms interested in entering the real estate space.
David's Special Guest: Howard Voyles, CEO of HousingMatrix.com shares the many free resources available online at HousingMatrix.com. HousingMatrix.com, the largest resource center in the housing industry, is a clearing house for information, products and services that can impact the housing industry. With nine portals you can conveniently access Business, Industry, Economic and Mortgage News. Motivational and Training publications, Continued Education, Vendors and Lenders, Housing Association Updates and Career Opportunities. Lykken on Lending and Housing in now being syndicated on HousingMatrix.com, just click American Housing Media at the top of each page.
David and his frequent guests, Alice Alvey, Joe Farr and Andy Schell will discuss business strategies for mortgage and real estate professionals to work together in the “Fin-Reg” business environment. This discussion is a follow-up to the 08/02/10 broadcast, "Implications of “Fin-Reg” on Real Estate Financing" with Ryan Burgoyne of Loan Sifter. To pick-up on the discussion you can download that broadcast on demand (MP3 ) and listen to it prior to this program. Or tune in to this program and David will bring you up to speed.
IS "FIN-REG" REQUIRING LOAN ORIGINATORS TO RETHINK THEIR BUSINESS STRATEGY? - On today's show (08/02/10) special guest, Ryan Burgoyne of Loan Sifter, will be discussing with us why so many mortgage brokers are now seriously considering converting from a mortgage broker to a mortgage banker. Do to the new Financial Reform legislation many mortgage brokers now recognize that to survive it is an absolute necessity to make the broker-to-banker conversion. THE ENTIRE HOUSING INDUSTRY IS BEING IMPACTED BY THIS ACT SO DON'T MISS THIS BROADCAST.
Guest host, Alice Alvey updates FHA proposed underwriting chnages with with frequent contributors Joe Farr and Andy Schell. and Joe Farr provide up-to-the-minute information on interest rates, loan programs. Andy Shell will lead the discussion on loan officer compensation. The team will also cover "hot" industry news and legislative issues impacting to the mortgage and housing industry.
Mortgage industry veteran, David Lykken, along with frequent guests, Alice Alvey and Joe Farr provide up-to-the-minute information on interest rates, loan programs and "hot" industry news related to the mortgage industry. Andy Shell and the other guests discuss new regulations impacting mortgage orgionators' compensation. REMEMBER: you can download each broadcast on demand (MP3) and listen to them when you choose.
TOPIC: DODD-FRANK ACT (FINANCIAL REFORM BILL) - On today's show (7-12-10) we focused on recently enacted "Dodd-Frank Act" which has been the much anticipated Financial Reform legislation. THE ENTIRE HOUSING INDUSTRY IS BEING IMPACTED YOU WILL WANT TO CATCH THIS BROADCAST. REMEMBER: you can download each broadcast on demand (MP3) and listen to them when you choose.
We had as special guests Alan Bahr, Director of Secondary Markets & National Accts with CMG MI & Glenn Corso, Managing Director of "The Community Mortgage Banking Project" along with our regular guests Alice Alvey, Joe Farr & Andy Schell (the Profit Doctor) on today's program. E-mail me your feedback on today's program dlykken@MortgageBankingSolutions.com Thank you for listening!
Today (6-21-10) guest host, Alice Alvey and regular guest Joe Farr interviewed Andy Schell a/k/a the "Profit Doctor" talking about the importance of "financial management" in an ever more challenging business environment. E-mail your feedback on this program to DLykken@MortgageBankingSolutions.com and thank you for listening.
Today's show (5-17-10) focused on recent developments related to HUD & FHA. We had Tony Gallegos of Mortgage-U as our special guest. I welcome your feedback. Also please e-mail me topics you would like discussed on the program. My e-mail address is DLykken@MortgageBankingSolutions.com
Thank you for listening... David Lykken, Host of LoL
TOPIC: HUD/FHA DEVELOPMENTS (Part I) - Today's show (5-10-10) focused on recent developments related to HUD & FHA. We had Tony Gallegos of Mortgage-U as our special guest. I welcome your feedback. Also please e-mail me topics you would like discussed on the program. My e-mail address is DLykken@MortgageBankingSolutions.com
Thank you for listening... David Lykken, Host of LoL
This show (5-03-10) focused on recent developments related to Senate Bill 3217, Restoring American Financial Stability. We had Glenn Corso, the Community Director of the Mortgage Banking Project as our special guest. We also featured Alice Alvey and Joe Farr providing us with our weekly rates update. I welcome your feedback. Also please e-mail me topics you would like discussed on the program. My e-mail address is DLykken@MortgageBankingSolutions.com Thank you for listening... David Lykken, Host of LoL
On 4-26-2010, mortgage industry veteran, David Lykken, along with frequent guests Alice Alvey and Joe Farr provide up-to-the-minute information on interest rates, loan programs and "hot" industry news related to the mortgage industry. Special Guest Mitch Kider of Weiner Brodsky Sidman Kider talks about Senate Bill 3217, Restoring American Financial Stability. Andy Schell, Managing Partner of MBS comments on Mortgage Banking Accounting. E-mail me topic you would like discussed on the program to DLykken@MortgageBankingSolutions.com Thank you for listening to Lykken on Lending.
On 4-12-2010, mortgage industry veteran, David Lykken, along with frequent guests Alice Alvey and Joe Farr provide up-to-the-minute information on interest rates, loan programs and "hot" industry news related to the mortgage industry. Special Guest Glenn Corso, Mortgage Banking Project Community Director talks about Senate Bill 3217, Restoring American Financial Stability. Andy Schell, Managing Partner of MBS comments on Mortgage Banking Accounting. E-mail me topic you would like discussed on the program to DLykken@MortgageBankingSolutions.com Thank you for listening to Lykken on Lending.
On 4-05-2010, mortgage industry veteran, David Lykken, along with frequent guests Alice Alvey and Joe Farr provide up-to-the-minute information on interest rates, loan programs and "hot" industry news related to the mortgage industry. Special Guest Glenn Corso, Mortgage Banking Project Community Director talks about the credit risk retention bill. Tom Millon of Capital Markets expands on risk. E-mail me topic you would like discussed on the program to DLykken@MortgageBankingSolutions.com Thank you for listening to Lykken on Lending.
Mortgage industry veteran, David Lykken, along with frequent guests, Alice Alvey, Joe Farr and Scott Sanderson provide up-to-the-minute information on interest rates, loan programs and "hot" industry news related to the mortgage industry. E-mail me topic you would like discussed on the program to DLykken@MortgageBankingSolutions.com
Mortgage industry veteran, David Lykken, along with frequent guests, Alice Alvey, Joe Farr and Scott Sanderson provide up-to-the-minute information on interest rates, loan programs and "hot" industry news related to the mortgage industry. E-mail me topic you would like discussed on the program to DLykken@MortgageBankingSolutions.com
Mortgage industry veteran, David Lykken, along with frequent guests, Alice Alvey, Joe Farr and Scott Sanderson provide up-to-the-minute information on interest rates, loan programs and "hot" industry news related to the mortgage industry. E-mail me topic you would like discussed on the program to DLykken@MortgageBankingSolutions.com
Mortgage industry veteran, David Lykken, along with frequent guests, Alice Alvey, Joe Farr and Scott Sanderson provide up-to-the-minute information on interest rates, loan programs and "hot" industry news related to the mortgage industry. E-mail me topic you would like discussed on the program to DLykken@MortgageBankingSolutions.com
Mortgage industry veteran, David Lykken, along with frequent guests, Alice Alvey, Joe Farr and Scott Sanderson provide up-to-the-minute information on interest rates, loan programs and "hot" industry news related to the mortgage industry. E-mail me topic you would like discussed on the program to DLykken@MortgageBankingSolutions.com
Mortgage industry veteran, David Lykken, along with frequent guests, Alice Alvey, Joe Farr and Scott Sanderson provide up-to-the-minute information on interest rates, loan programs and "hot" industry news related to the mortgage industry. E-mail me topic you would like discussed on the program to DLykken@MortgageBankingSolutions.com
Mortgage industry veteran, David Lykken, along with frequent guests, Alice Alvey, Joe Farr and Scott Sanderson provide up-to-the-minute information on interest rates, loan programs and "hot" industry news related to the mortgage industry. E-mail me topic you would like discussed on the program to DLykken@MortgageBankingSolutions.com
Mortgage industry veteran, David Lykken, along with frequent guests, Alice Alvey, Joe Farr and Scott Sanderson provide up-to-the-minute information on interest rates, loan programs and "hot" industry news related to the mortgage industry. E-mail me topic you would like discussed on the program to DLykken@MortgageBankingSolutions.com
Mortgage industry veteran, David Lykken, along with frequent guests, Alice Alvey, Joe Farr and Scott Sanderson provide up-to-the-minute information on interest rates, loan programs and "hot" industry news related to the mortgage industry. E-mail me topic you would like discussed on the program to DLykken@MortgageBankingSolutions.com
Mortgage industry veteran, David Lykken, along with frequent guests, Alice Alvey, Joe Farr and Scott Sanderson provide up-to-the-minute information on interest rates, loan programs and "hot" industry news related to the mortgage industry. E-mail me topic you would like discussed on the program to DLykken@MortgageBankingSolutions.com
Mortgage industry veteran, David Lykken, along with frequent guests, Alice Alvey, Joe Farr and Scott Sanderson provide up-to-the-minute information on interest rates, loan programs and "hot" industry news related to the mortgage industry. E-mail me topic you would like discussed on the program to DLykken@MortgageBankingSolutions.com
Mortgage industry veteran, David Lykken, along with frequent guests, Alice Alvey, Joe Farr and Scott Sanderson provide up-to-the-minute information on interest rates, loan programs and "hot" industry news related to the mortgage industry. E-mail me topic you would like discussed on the program to DLykken@MortgageBankingSolutions.com
Mortgage industry veteran, David Lykken, along with frequent guests, Alice Alvey, Joe Farr and Scott Sanderson provide up-to-the-minute information on interest rates, loan programs and "hot" industry news related to the mortgage industry. E-mail me topic you would like discussed on the program to DLykken@MortgageBankingSolutions.com
Mortgage industry veteran, David Lykken, along with frequent guests, Alice Alvey, Joe Farr and Scott Sanderson provide up-to-the-minute information on interest rates, loan programs and "hot" industry news related to the mortgage industry. E-mail me topic you would like discussed on the program to DLykken@MortgageBankingSolutions.com
Mortgage industry veteran, David Lykken, along with frequent guests, Alice Alvey, Joe Farr and Scott Sanderson provide up-to-the-minute information on interest rates, loan programs and "hot" industry news related to the mortgage industry. E-mail me topic you would like discussed on the program to DLykken@MortgageBankingSolutions.com
Mortgage industry veteran, David Lykken, along with frequent guests, Alice Alvey, Joe Farr and Scott Sanderson provide up-to-the-minute information on interest rates, loan programs and "hot" industry news related to the mortgage industry. E-mail me topic you would like discussed on the program to DLykken@MortgageBankingSolutions.com
Mortgage industry veteran, David Lykken, along with frequent guests, Alice Alvey, Joe Farr and Scott Sanderson provide up-to-the-minute information on interest rates, loan programs and "hot" industry news related to the mortgage industry. E-mail me topic you would like discussed on the program to DLykken@MortgageBankingSolutions.com
Mortgage industry veteran, David Lykken, along with frequent guests, Alice Alvey, Joe Farr and Scott Sanderson provide up-to-the-minute information on interest rates, loan programs and "hot" industry news related to the mortgage industry. E-mail me topic you would like discussed on the program to DLykken@MortgageBankingSolutions.com
Mortgage industry veteran, David Lykken, along with frequent guests, Alice Alvey, Joe Farr and Scott Sanderson provide up-to-the-minute information on interest rates, loan programs and "hot" industry news related to the mortgage industry. E-mail me topic you would like discussed on the program to DLykken@MortgageBankingSolutions.com