In this week’s Lykken on Lending, the team unpacks the paradox of falling mortgage rates that have failed to jumpstart housing activity. Despite the 10-year Treasury dipping toward 3.60% and signs of rate cuts ahead, economic uncertainty and locked-in ultra-low mortgages continue to keep both sellers and buyers on the sidelines. The conversation highlights inventory shortages, affordability challenges for first-time buyers, and broader macroeconomic forces shaping sentiment. The group also dives into the provocative idea of crypto in mortgage transactions—debating its risk, regulatory limitations, and practical irrelevance in an industry still struggling with full digital adoption. While crypto grabs headlines, panelists agree: the real disruption still lies in bridging today’s tech gaps, not chasing tomorrow’s hype.