The future of finance is here—and it's being written in code. In this episode of Lykken on Lending, I sit down with Lee Bratcher, President of the Texas Blockchain Council, to explore how stablecoins, tokenization, and policy reform are reshaping the way we think about banking, payments, and real estate. From Texas’ groundbreaking Bitcoin Reserve legislation to the rising influence of stablecoin technology in everyday transactions, this conversation dives into the disruptive forces transforming traditional financial systems. Whether you're a lender, banker, fintech exec, or real estate professional, you’ll gain valuable insights into the opportunities and challenges ahead in the digital asset era.

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 with 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 insightful episode of Lykken on Lending, David Lykken is joined by Pete Mills and Justin Wiseman of the Mortgage Bankers Association (MBA) to unpack some of the most pressing issues facing the housing finance industry. From the long-debated release of Fannie Mae and Freddie Mac from conservatorship to the push for single-file credit scores and the evolving fate of the CFPB, this conversation delivers a comprehensive look at how policy, advocacy, and regulatory reform intersect. Whether you're a lender, policymaker, or just industry-curious, this episode offers critical clarity on the complex forces shaping the future of mortgage lending.

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 with 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, I sit down with Adam Carmel, Founder and CEO of Polly, to explore how his team is transforming one of the most overlooked yet critical areas of mortgage banking—capital markets technology. We dive into why legacy pricing engines have held lenders back, how Poly is using AI and agile infrastructure to cut origination costs, and what the future holds for a more transparent, configurable, and profitable mortgage ecosystem. If you’ve ever wondered how technology can solve the $13,000-per-loan challenge and bring real innovation to the secondary market, you won’t want to miss this conversation.

In this episode of Lykken on Lending, David Lykken sits down with real estate industry veteran and visionary leader Chris Heller. From his early days selling timeshares to leading Keller Williams’ global expansion and now driving innovation at Movoto (powered by Lower), Chris shares lessons on leadership, growth, timing, and the critical intersection of people and technology. This candid conversation explores what it really takes to scale businesses, build powerful agent–lender relationships, and reimagine the homebuying journey for today’s consumer.

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 with 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, we’re joined by Mark Todd, EVP of Sales & Client Services at Byte Software, for a compelling look at how one of the industry's longest-standing LOS providers continues to lead through innovation. With a mortgage career that started “in Pampers” and a decade of helping lenders modernize with Byte, Mark shares the company’s customer-first philosophy, the launch of their next-generation browser-based LOS, and an exclusive first look at their upcoming native pricing engine. Whether you’re a tech skeptic or a digital enthusiast, this episode delivers real-world insights on why being configurable, experienced, and client-driven matters more than ever in today’s market.

In this inspiring episode of Lykken on Lending, I sit down with Victor Nino—co-founder of Realty of America and a standout in the real estate world—for a powerful conversation on how to scale your business with intention, integrity, and innovation. From his humble beginnings in Eagle Pass, Texas, to leading one of the fastest-growing real estate companies in the nation, Victor shares how mentorship, mindset, and showing up with excellence have shaped his journey. We also dive into how AI, including game-changers like Angel AI and Angel Twin, is reshaping the way agents grow and stay connected in today’s 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 with 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”.