This podcast segment unpacks recent allegations of mortgage fraud involving public officials, sparking a deeper industry conversation about ethics, accountability, and the cost of compromising compliance for political connections.

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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 segment delivers real-time insights on production, inflation, and tariffs while industry leaders urge originators to focus on mindset over rates.

This podcast segment calls out tech overload and urges mortgage execs to rethink their vendor strategy for better ROI and real adoption.

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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 covers Fannie and Freddie release critical guideline clarifications as industry leaders weigh in on compliance, market focus, and staying steady in a shifting economy.

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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 an industry where complexity often stands between consumers and homeownership, this episode—"Click, Close, and Qualify: The Future of Frictionless Home Financing"—features mortgage innovator Jeff Bode, President and CEO of Click n’ Close, who’s leading the charge toward simpler, smarter lending. Jeff shares how his team is transforming the borrower experience through eClosings, day-one certainty, and powerful down payment assistance programs like SmartBuy and shared appreciation options. From his early adoption of digital closings to his knack for finding underserved market niches, Jeff’s story is a masterclass in reinvention and relevance. Whether you’re a lender, broker, or housing advocate, this episode offers timely insights into building a more streamlined, accessible future for mortgage lending.

This podcast segment highlights bond traders awaiting Fed signals, trade-driven dollar strength, and a key oil-and-yield setup targeting a 3.60% 10-year by June 30.

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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.

5.12.25 "Bonds" Hanging By A Moment 

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We’re standing here until Fed makes us move. Bonds Hanging By A Moment for a clue.

Trade deals historically take years, but the nano-second world shortens time. The currency market concludes that the latest trade talks benefit the Dollar. Alternatively, Gold bugs see US tariffs leading to a new trading system where the US gets more fees and non-fee barriers decline.

Watch Oil. If West TX Intermediate can’t close above $65, and the 10-year yield stays below 4.50, a drop to 3.60 by June 30 remains the target.

There is nothing else.

These views are mine. Find certainty at TMSpotlight.com.

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Song: Hanging By A Moment (2000)

In this episode of Lykken on Lending, we dive into a groundbreaking development out of Texas that's shaping the future of AI in America. Joined by Steve Kinard and Pavan Agarwal of the AI Innovation Association, we explore the bipartisan momentum behind Senate Bill 1964, a bill that lays the foundation for ethical AI standards in the public sector. From the concept of digital sovereignty to practical frameworks for innovation, this conversation reveals how Texas is setting the pace for responsible AI adoption—balancing progress, ethics, and freedom. If you care about the future of artificial intelligence, free speech, and innovation policy, this is one episode you won't want to miss.

This podcast segment covers HR 18115 advances in Congress, aiming to provide long-term stability and foreclosure relief for veterans through VA partial claims reform.

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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 powerful episode of Lykken on Lending, I’m joined by Amir Syed—top-producing loan officer, dynamic coach, and founder of Go Coaching—for a conversation that’s as inspiring as it is tactical. From fleeing war-torn Iran as a child to becoming a mortgage industry leader, Amir shares the story of how faith, grit, and community shaped his journey. We discuss the mindset that drives success, the value of mentorship, and the framework behind his Mortgage Mastery Ladder—a coaching approach that’s transforming loan officers nationwide. Whether you’re a seasoned professional or just getting started, this episode is a reminder that “iron sharpens iron”—and the right people, principles, and practices can unlock your full potential.