Lykken On Lending

Lykken On Lending Created BY mortgage professional FOR mortgage professionals

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.

09/17/2026

Artificial intelligence is generating no shortage of dramatic headlines, but how much of the fear is justified—and where do the real risks actually lie? In this week’s Weekly AI Update, me and Pavan Agarwal cut through the noise surrounding AI and examine what mortgage leaders should truly be paying attention to. From the rapid rise of agentic AI and its ability to deploy thousands of autonomous agents to cybersecurity vulnerabilities, accountability, traceability, and the limitations of today’s large language models, the conversation separates technological reality from sensationalism. They also explore emerging approaches such as JEPA, the growing role of AI in mortgage operations, and why understanding both the capabilities and limitations of these technologies will be critical as lenders decide how—and where—to put AI to work.

09/16/2026

The mortgage industry is entering a period where relying on the traditional agency model alone may no longer be enough. In this Hot Topic, David Lykken sits down with mortgage industry veteran Bill Dallas to explore why Non-QM and non-agency lending could become some of the industry's biggest growth opportunities over the next decade. Drawing on decades of experience spanning origination, capital markets, product development, and multiple market cycles, Dallas explains how today's borrower has fundamentally changed—and why mortgage lenders must change with them. From HELOCs, DSCR and bank-statement loans to interest-only products and investor financing, the conversation examines how lenders can move beyond a one-size-fits-all agency approach and become solutions-driven organizations equipped with a broader product toolbox. More importantly, Dallas shares why successful lenders must rethink product development, liquidity, capital markets, underwriting and risk management if they want to capitalize on the opportunities ahead.

09/10/2026

Artificial intelligence may be transforming mortgage lending, but according to Pavan Agarwal, AI is only half the story. In this week’s AI Update, David Lykken and Pavan explore how blockchain could become the other half of the industry’s transformation by bringing greater certainty, transparency, security, and speed to the mortgage process. From tokenized pre-approvals and on-chain records to borrower-controlled data, digital wallets, and the potential disruption of traditional LOS platforms and financial intermediaries, this conversation looks at what mortgage lending could become when AI and blockchain work together. The result may be a future where loan officers have greater control of their relationships and data, consumers have greater ownership of their financial information, and mortgage transactions move more efficiently from pre-approval to closing.

09/09/2026

The mortgage industry is navigating one of the most demanding periods of transformation we’ve seen, with AI, consolidation, margin pressure, changing workforce expectations, and relentless technological disruption forcing leaders to rethink how they run their organizations. In this Hot Topic, David Lykken welcomes back Jim Brown, author of *The Imperfect CEO* and founder of Org Health, to explore why yesterday’s leadership practices may no longer be enough. They examine the four hidden organizational risks—scalability, ex*****on, growth, and people—and why leaders often fail not because they don’t care, but because they are solving the wrong problem. From attracting and retaining the next generation of talent to using AI to elevate employees rather than simply eliminate positions, the conversation makes the case that organizational health is becoming one of the most important competitive advantages a company can build. The organizations that thrive through disruption won’t necessarily be those with the best technology or the lowest costs—they’ll be the ones that create cultures capable of adapting, executing, and bringing out the best in their people.

09/02/2026

The mortgage industry is entering a new era—one shaped by artificial intelligence, vertical integration, consolidation, expanding non-QM opportunities, and rising expectations for a better borrower experience. In this episode of Lykken on Lending, David Lykken sits down with Coby Hakalir of T3 Sixty to explore what mortgage lending could look like over the next decade and why, despite rapid technological change, the human relationship will remain at the heart of the business. They discuss how AI can reduce the cost and complexity of originating loans, why lenders are increasingly looking beyond traditional mortgage revenue through real estate, title, insurance, and servicing, and how non-QM lending could become an increasingly important part of the market. From improving the customer journey to navigating the next wave of industry consolidation, this conversation examines the forces reshaping mortgage lending—and what lenders and loan officers should be preparing for now.

08/27/2026

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

08/26/2026

# The Mortgage Industry’s Next Chapter: AI, Integration & Consolidation

The mortgage industry is entering a new era—one shaped by artificial intelligence, vertical integration, consolidation, expanding non-QM opportunities, and rising expectations for a better borrower experience. In this episode of *Lykken on Lending*, David Lykken sits down with Coby Hakalir of T3 Sixty to explore what mortgage lending could look like over the next decade and why, despite rapid technological change, the human relationship will remain at the heart of the business. They discuss how AI can reduce the cost and complexity of originating loans, why lenders are increasingly looking beyond traditional mortgage revenue through real estate, title, insurance, and servicing, and how non-QM lending could become an increasingly important part of the market. From improving the customer journey to navigating the next wave of industry consolidation, this conversation examines the forces reshaping mortgage lending—and what lenders and loan officers should be preparing for now.

06/15/2026

A powerful moment unfolded over lunch when a business partner shared his ambition, pulling out a toy truck. This simple gesture led to a profound realization about purpose and family, reminding us all of our 'why'. Check the full interview here: https://sl1nk.com/7tevgaf

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