Lykken on Lending

Mortgage Tech Advances and the Coming Wave of Industry Consolidation - Tech Update by Allen Pollack

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 [https://www.linkedin.com/in/allen-pollack/], TECH CONSULTANT 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.

Navigating the New Rules: Buyer Agent Commissions and Staying in Your Lane - Legislative Update by Alice Alvey

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 [https://www.linkedin.com/in/alice-alvey-master-cmb-79631b1/], Master CMB Vice President Partner Education and Training at Union Home Mortgage [https://www.unionhomemortgage.com/] 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!

Bonds Stabilize, But Markets Brace for a Wave of Economic Data - Market Update by Matt Graham

This podcast segment highlights how bond markets have settled back into pre-tariff ranges, while traders prepare for a critical influx of economic data that could determine the next major market moves. ----------------------------------------------------- Matt [https://www.linkedin.com/in/matt-graham-714bba8/] 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 MBS [https://www.mbslive.net/]Live! 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, [https://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.

Revolutionizing Mortgage Lending – How AI Is Giving Loan Officers Their Lives Back with Troy Kennedy and Jodi Perry of LoanWorks.AI

In this groundbreaking episode of Lykken on Lending, we dive into how AI is reshaping the mortgage industry — not by replacing loan officers, but by empowering them to reclaim their time, their business, and their personal lives. David Lykken is joined by Troy Kennedy, Founder of LoanWorks.AI, and Jodi Perry, a top-producing loan officer who shares firsthand how this cutting-edge technology is revolutionizing the way she works. Together, they reveal how full AI integration is eliminating tedious tasks, accelerating closings, and restoring the human connection at the heart of lending. If you’ve ever wondered whether AI could truly transform the mortgage process for the better, this is the episode you need to hear.

Euphoria And Dysphoria Making You "Dizzy?" - Macro Market Update by Les Parker

04-28-2025 Euphoria And Dysphoria Making You "Dizzy?" --------------- Dizzy. We’re so dizzy. Markets are spinning, Like a whirlpool that never ends. Contradictions fight any trend narrative except when there is short-term euphoria or dysphoria. However, with volatile volatility, technical indicators have become less reliable. Most hedging methods can work two-thirds of the time, but beware of the other third. Will the bullish Five and Ten-year futures reverse bearish mortgages from their overreaction to global political rhetoric? Persistently elevated volatility means a 25-bps move can happen fast. And its yield spreads, making it spin They’re making trends dizzy. ----------------- Song: Dizzy (1969) Tommy Roe