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David Lykken shared this🚨 LIVE TOMORROW @ 12 NOON 🚨 AI isn’t coming to the mortgage industry… It’s already here—and the lenders who move fastest are winning. Join us for a powerful conversation on how forward-thinking mortgage leaders are using AI, automation, and “citizen development” to: ✅ Build tools in hours—not months ✅ Eliminate operational bottlenecks ✅ Increase production without adding headcount ✅ Take control of their tech stack instead of waiting on vendors This isn’t theory. This is real-world execution happening right now. If you're still relying on outdated workflows or waiting on your LOS provider to innovate… this episode will challenge everything. 🎯 Featuring insights from a leader who’s actively building AI-powered solutions inside their mortgage operation—and seeing results immediately. 🕛 Set your reminder and join us LIVE. #MortgageIndustry #AIinMortgage #Fintech #MortgageTech #LoanOfficers #MortgageLeadership #DigitalTransformation
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David Lykken shared thisFolks, markets are all over the place right now—oil, rates, and headlines pulling in different directions. Bottom line: stay focused on your borrowers and your business… that’s where the real opportunity is. Check out our Weekly Mortgage update release: https://lnkd.in/gqSuX2WrDavid Lykken shared thisThe mortgage market feels like it’s being pulled in two directions right now. On one side, rising oil prices and geopolitical tension are pushing inflation concerns higher. On the other: growing signs that those same pressures could slow the economy and bring rates down. So what’s really going on? In this week’s episode, we break down: • Why oil and global conflict are driving rate volatility • How recession expectations are quietly influencing bond markets • What this means for mortgage rates in the near term • And most importantly—how originators should respond Here’s the takeaway: You can’t control the market, but you can control how you show up in it. The best producers right now are: ✔ Staying close to their database ✔ Communicating clearly with borrowers ✔ Focusing on opportunities—not headlines Volatility isn’t a signal to pause—it’s a signal to execute. Click here to listen to the Weekly Mortgage Update release: https://lnkd.in/ghe5rjd4 #MortgageMarket #InterestRates #MortgageStrategy #LoanOfficers #HousingMarket #MortgageIndustry
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David Lykken shared this🔴 LIVE TOMORROW at 12:00 PM The mortgage industry doesn’t have a demand problem—it has a trust problem. Over 10 MILLION qualified buyers are still renting… And only 12% of consumers trust the industry. So how do we fix it—and unlock massive growth? Join us LIVE as Kristin Messerli and Dave Savage break down how education, advocacy, and trust-building are reshaping the future of homeownership. 💡 We’ll cover: • Why financial literacy is the key to activating first-time buyers • How loan officers can stand out and win more business • The real opportunity hiding in today’s market • How to get involved and make an impact in your community If you’re serious about growth, relevance, and leadership in this market—don’t miss this. 📅 Tomorrow ⏰ 12:00 PM 📍 Live on LinkedIn Set your reminder and join the conversation. #MortgageIndustry #LoanOfficers #FirstTimeHomebuyers #FinancialLiteracy #HousingMarket #Leadership #MortgageMarketing #LinkedInLive
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David Lykken shared thisFolks, rates are moving, the market’s getting unpredictable again, and there’s a lot more going on beneath the surface than most people realize. We dig into what’s driving it all this week—and why discipline (and a little AI) might be your biggest advantage right now. Check out below: https://lnkd.in/gy4A6WRkDavid Lykken shared thisMortgage rates are climbing. Volatility is back. And the rules of the game are changing—fast. In this week’s Weekly Mortgage Update, we unpack what’s really driving today’s market: 📈 Rising yields and global uncertainty (oil, inflation, geopolitics) ⚠️ Why pipeline risk is higher than most LOs realize 🏛️ Key regulatory updates—from Basel III to 1099 implications 🤖 And the biggest shift of all: AI moving from “assistant” to “operator” One of the biggest takeaways: 👉 You cannot afford to be casual about rate locks in this market. 👉 And you cannot afford to ignore AI’s impact on your business. Despite all the noise, there’s still optimism. Pipelines are growing. Opportunities are there. But success now depends on discipline, awareness, and adaptation. If you're in mortgage, this episode is a must-listen. Click here: https://lnkd.in/geT8faPH #MortgageIndustry #InterestRates #LoanOfficers #MortgageMarket #Fintech #AIinMortgage #HousingMarket #MortgageLeadership
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David Lykken shared this🚨 Going LIVE at 12 Noon: Weekly AI Update Is AI really replacing jobs… or are we buying into the hype? In today’s episode with Pavan Agarwal, we’re tackling one of the biggest misconceptions in AI right now: 👉 Large Language Models don’t think—they process. We’ll break down: • The real story behind the “4,000 jobs lost to AI” headline • Why AI can feel like reasoning—but isn’t • Where AI delivers massive productivity gains (and where it fails) • How to use AI correctly without putting your business at risk If you’re using tools like ChatGPT—or leading a team that is—this is a conversation you don’t want to miss. Join us live at 12 Noon. #AI #ArtificialIntelligence #Leadership #Fintech #MortgageIndustry #Innovation #LinkedInLive
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David Lykken shared this🚨 Going LIVE tomorrow: Your Data Is the New Asset: The AI Economy That Will Pay You What if your most valuable asset isn’t your home or your income—but your data? We’re diving into a massive shift happening right now: ➡️ AI is driving unprecedented demand for data ➡️ Blockchain is giving individuals ownership and control ➡️ Healthcare innovation is creating entirely new data value The big idea: You won’t just use data—you’ll own it, control it, and get paid for it. In this conversation, we explore: • How your medical and financial data can become an income stream • Why the current “data broker” model is breaking • What this means for the future of mortgage, finance, and beyond This isn’t theoretical—it’s already starting to take shape. 🎥 Join us LIVE tomorrow at noon and be part of the conversation. #LinkedInLive #AI #DataEconomy #Blockchain #Fintech #Mortgage #Innovation
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David Lykken shared thisFor those business owners and/or execs looking for top talent, I highly recommend my good friend, Jim Anderson. I have known Jim for at least three decades and have found him to be a true professional and would be an asset to anyone looking to add to their team. See below...David Lykken shared thisA personal career update. After a meaningful and rewarding chapter, I’ve made the decision to move on from Guarantee Rate Affinity. I’m truly thankful for the time I spent there and for the many friendships, partnerships, and experiences that helped shape my journey. I want to sincerely thank Victor Ciardelli, Dave Dickey, Scott Thornberry, and the entire leadership team for their support and the opportunity to be part of the organization. I wish them nothing but continued success. I’m excited to be stepping into a new chapter focused on building something special in the real estate and mortgage space. As we begin to grow, I’m looking forward to reconnecting with many great professionals across the industry and meeting others who may want to be part of what we’re creating. More to share soon — and grateful for all the relationships along the way.
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David Lykken shared thisMortgage profitability isn’t being squeezed by rates alone. It’s being squeezed by complexity. ✳️ Bloated tech stacks. ✳️ Inconsistent recruiting standards. ✳️ Comp plans that reward volume but ignore margin. ✳️ Leadership teams avoiding hard alignment conversations. The easy cycle masked structural weakness. This cycle reveals it. Companies that survive won’t simply cut costs. They’ll simplify, clarify, and execute. Noise is expensive now. Read the full blog here: https://lnkd.in/e8V2GmrK #MortgageIndustry #MortgageLeadership #MortgageStrategy #TechStack
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David Lykken shared thisAI isn’t replacing loan officers — it’s removing the work they hate most. One of the biggest breakthroughs in mortgage tech right now is AI voice assistants. Not AI loan officers… AI sales assistants. They call new and aged leads, have real conversations, and identify borrowers who are actually ready to transact — so loan officers can focus on closing instead of chasing. The real power? AI doesn’t get discouraged, doesn’t get tired, and never has a bad call ruin the next one. This is where AI is making a real impact in mortgage lending. Check out the full interview with Josh Lehr here: https://lnkd.in/gzdnMyFE #MortgageAI #MortgageTechnology #AIinMortgage #DigitalMortgage #MortgageInnovation #Fintech #LoanOfficers #AIVoice #MortgageSales
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David Lykken liked thisDavid Lykken liked this"A world without A.I. is a Mad World filled with worn out faces Bright and early for the daily races Going nowhere." 🎵🎶🎸 Enjoy My Song of the Day! https://lnkd.in/eJYs54ra AngelAI Sun West Mortgage Company, Inc. Lukas I.L. Rosenblum Salvador Villalobos Suresh Choudhary Andrew McLean Dennis Borrero Gabriel Albors David Lykken John Brumund Rohit Agarwal Lucien Zeigler Bill Inman #ai #songoftheday #angelai #fairlending #equalityTears For Fears - Mad World (Official Music Video)Tears For Fears - Mad World (Official Music Video)
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David Lykken reacted on thisDavid Lykken reacted on thisTotal Expert’s AI Sales Assistant is built directly within the Total Expert platform—powered by Customer IQ and connected to Journeys—to drive real business outcomes. This means every interaction is: • Context-driven 💡 fueled by Customer IQ insights to identify the right moment to engage • Conversational 🗣️ mortgage-specific design that engages borrowers in real-time with personalized, adaptable dialogue • Action-oriented 🏃 seamlessly updating customer records and triggering next steps inside Journeys • Persistent 🔁 undeterred by missed calls and voicemails, continuing outreach well beyond industry follow-up standards. When deployed, AI Sales Assistant's impact is immediate—driving engagement, surfacing hidden opportunities, and creating measurable production lift across the organization. So, what could your teams accomplish with an agentic lending system that listens, learns, and acts? Watch Dan Catinella's the full conversation with David Lykken here: https://lnkd.in/euRVum7j
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David Lykken reacted on thisDavid Lykken reacted on thisIt's official: CrossCountry Mortgage, LLC is acquiring Summit Funding, Inc. Paid subscribers to The Mortgage Scoop got the scoop last week, but it's official now. "After running a private mortgage bank for over 30 years, I know that growth doesn't happen by accident. It happens through scale, investment and a commitment to supporting the teams out in the field every day," said Todd Scrima CEO, Summit Funding, Inc. "Partnering with the nation's No. 1 retail mortgage lender is going to give our team access to more tools, greater opportunities and increased earning potential — building the momentum for our originators to reach new heights."
Experience & Education
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Transformational Mortgage Solutions, LLC (TMS)
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Licenses & Certifications
Volunteer Experience
Publications
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Lykken On Leadership
National Mortgage Professional
See publicationEach month, David Lykken publishes an article in the National Mortgage Professional magazine which can be read by Goolging "Lykken on Leadership". David loves to receive e-mails from those that read his articles and encourages you to write him at DLykken@MBS-Team.com
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Lykken on Lending
PROGRESS IN LENDING
A leading monthly publication providing thought leadership to lending professionals detailing how to achieve real process efficiencies. This is done by bringing together sound business strategies and technology.
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The Lack of Leadership Is A National Crisis
MortgageOrb.com
See publicationAs the title suggests, David Lykken, writes (rants) about what a serious crisis we as an industry and as a nation faces with what he says is a void of leadership. This article went viral as soon as it was published receiving a lot of attention.
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Future of Mortgage Banking
Mortgage Banking Magazine published by the Mortgage Bankers Association of America
This article gives a compelling and thorough arguement as to why today is such an opportune time to be investing in the mortgage banking industry.
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Read First, Then Sign On The Dotted Line
Scotsman Guide
See publicationThis article is about the importance of reading the contractual agreements before signing them. Many wait until there is an issue before they read the agreements they have signed.
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Manage The Risk and Reap The Rewards
Mortgage Originator Magazine
See publicationThis article was originally published my David Lykken back in 2003 and was again republished in 2007 by the Mortgage Originator Magazine which no longer exists. However, a copy of the text from this timeless article can be read by clicking on the title above.
Courses
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Music Theory 1-4
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Real Estate Development
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Projects
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Public Speaking
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As a 50-year veteran of the mortgage industry who is a leading mortgage industry business consultant and are regular guest on FOX & CNBC commenting on housing and the economy, David thoroughly enjoys speaking to audiences of all types about the importance of responsible homeownership in the fabric of our society today and how homeownership is changing as our society changes. After David has spoken, the audience feedback is that it was hugely informative, upbeat (even inspiring) and…
As a 50-year veteran of the mortgage industry who is a leading mortgage industry business consultant and are regular guest on FOX & CNBC commenting on housing and the economy, David thoroughly enjoys speaking to audiences of all types about the importance of responsible homeownership in the fabric of our society today and how homeownership is changing as our society changes. After David has spoken, the audience feedback is that it was hugely informative, upbeat (even inspiring) and motivational in nature. David's message while overall positive, it is also balanced with a the importance of personal responsibility and accountability.
If interested in booking David as a public speaker, you can send him a message via LinkedIn or e-mail him directly at David@TMS-Advisors.com
Honors & Awards
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2023 HousingWire Vanguard Honoree
HousingWire
In its 9th year, the HousingWire Vanguards award offers a definitive list of the top leaders in housing who are shaping the housing economy for the better. The forward-thinkers and trailblazers who are shaping the industry through their unwavering commitment, transformative ideas, and steadfast dedication to driving growth and positive change. This year, 100 honorees were selected for their outstanding leadership in the midst of market volatility.
Languages
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English
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