The Pavan Perspective

What can Jiu-Jitsu teach us about leadership, business, confidence and overcoming adversity? In this powerful episode of The Pavan Perspective, Ryron Gracie, Chief Instructor at Gracie University, and David Lykken explore the mindset behind Gracie Jiu-Jitsu. The episode also takes viewers to Puerto Rico, where Ryron teaches children practical self-defense, punch protection, anti-bullying intervention and how to establish control without causing harm. From using leverage instead of force to developing patience, resilience and a survival mindset, Ryron reveals why the lessons learned on the mat can transform how we confront challenges in everyday life and business. Watch this inspiring conversation and discover why success is not always about being bigger or stronger—it is about remaining calm, learning from mistakes and finding the right angle at the right time.Speaker InformationPavan AgarwalFounder/CEO of Celligence LLC, Creator of AngelAiPavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence, which harnesses the best of Artificial Intelligence and Empathetic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success. Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo!, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).Ryron GracieCo-Founder & Chief Instructor, Gracie University | Brazilian Jiu-Jitsu Master | Self-Defense EducatorRyron Gracie is the eldest grandson of Grand Master Helio Gracie and a third-generation member of the Gracie family, one of the most influential families in Brazilian Jiu-Jitsu. As Co-Founder and Chief Instructor of Gracie University, Ryron has played a key role in expanding Gracie Jiu-Jitsu and its self-defense philosophy to students around the world. Alongside his brother Rener Gracie, he became widely recognized through The Gracie Breakdown, a series that analyzes and explains techniques used in real-world martial arts and mixed martial arts competition. Ryron has also been instrumental in developing the Gracie Global Training Program, helping make practical self-defense education more accessible worldwide. Through his teaching, Ryron emphasizes technique, leverage, patience, confidence, and problem-solving — principles that extend well beyond martial arts and into everyday life.David LykkenFounder and Chief Transformation Officer | Executive Coach and Business Strategy Consultant | Transformational Mortgage Solutions, LLCDavid Lykken is a seasoned mortgage industry expert with over four decades of experience. As a former owner-operator of three mortgage banking companies, a software firm, and several leading consulting businesses, David has a proven track record of driving growth through consulting, executive coaching, and strategic communications. He specializes in working with C-level executives and business owners to develop business strategies, enhance sales and marketing efforts, and streamline operations for greater efficiency and profitability.David is a regular guest on FOX Business News and CNBC and hosts the popular weekly podcast, "Lykken on Lending," which attracts thousands of mortgage professionals nationwide. He also produces the daily market commentary, "Today’s Mortgage Minute," which reaches millions of viewers through various media outlets. In addition, David is a prolific writer, contributing articles to leading industry publications on a regular basis.

Can artificial intelligence make the American Dream of Homeownership more accessible? In this episode of The Pavan Perspective, Pavan Agarwal explores how AngelAi® is transforming homeownership, mortgage underwriting, and the homebuying experience. Discover why traditional lending processes can overlook certain borrowers and how AngelAi is helping bring greater clarity and efficiency to the mortgage process. From housing affordability and fair lending to automated income analysis and financial inclusion, this conversation reveals how responsible AI innovation could help reshape the future of mortgage lending and expand access to homeownership.Speaker InformationPavan AgarwalFounder/CEO of Celligence LLC, Creator of AngelAiPavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence, which harnesses the best of Artificial Intelligence and Empathetic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success. Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo!, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).Adam GoodmanChair, Ballard Media Group Partner, DCHost, 13th and ParkAdam Goodman, one of the nation’s best-known media consultants, has been producing award-winning television, radio and strategic messaging for corporate, advocacy and candidate campaigns for four decades. Adam serves as a strategic communications consultant for Ballard Media Group’s clients domestically and abroad.Adam, a frequent national TV commentator and widely-published columnist, was honored by being selected as the first Edward R. Murrow Fellow at Tufts University’s prestigious Fletcher School. He was also recently named, for the second time, as one of Florida’s “500 Most Influential Business Leaders” by Florida Trend. Dubbed a “media icon” by the Tampa Bay Times, he has also worked with screen and television celebrities on behalf of issues and causes, from Robert De Niro and James Earl Jones to Katie Couric and Bob Barker.Adam is also the host of 13th and Park, the fast-rising, state-of-the-art new media platform with more than 3 million YouTube subscribers. Blending broadcast-level production with unfiltered, long-form conversations, Goodman convenes headline-makers—from Cabinet officials and CEOs to sports legends and cultural icons—drawing out the ideas and personal stories shaping America and the world.YouTube, Fox News, Yahoo!, Bloomberg, and CNBC are registered trademarks of Google LLC, Fox Media LLC, Yahoo Inc., Bloomberg Finance One L.P., and NBCUniversal Media, LLC, respectively.Sun West Mortgage Company, Inc. is acting as the Lender and offers financing to qualified borrowers. Sun West Mortgage Company, Inc is not affiliated with any third parties mentioned above. The names are owned by the respective third parties.

Everyone is talking about Ai but very few are getting it right. In this episode of The Pavan Perspective, Pavan Agarwal and David Lykken explore the growing Ai Execution Gap and explain why successful Ai adoption requires far more than deploying chatbots or Ai agents. Pavan discusses why CEOs must lead Ai transformation, how organizations should redesign workflows instead of simply layering Ai onto legacy processes, and why measurable business outcomes—not vanity metrics—define true Ai success. Learn the difference between generative Ai, deterministic Ai, and warranted intelligence, discover how Ai-first companies are reshaping operations, customer experience, and profitability, and gain practical insights into the future of enterprise Ai, mortgage technology, fintech innovation, digital transformation, and Ai leadership. This episode offers an actionable roadmap for building Ai that delivers real business value.Speaker InformationPavan AgarwalFounder/CEO of Celligence LLC, Creator of AngelAiPavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence, which harnesses the best of Artificial Intelligence and Empathetic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success. Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo!, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).David LykkenFounder and Chief Transformation Officer | Executive Coach and Business Strategy Consultant | Transformational Mortgage Solutions, LLCDavid Lykken is a seasoned mortgage industry expert with over four decades of experience. As a former owner-operator of three mortgage banking companies, a software firm, and several leading consulting businesses, David has a proven track record of driving growth through consulting, executive coaching, and strategic communications. He specializes in working with C-level executives and business owners to develop business strategies, enhance sales and marketing efforts, and streamline operations for greater efficiency and profitability.David is a regular guest on FOX Business News and CNBC and hosts the popular weekly podcast, "Lykken on Lending," which attracts thousands of mortgage professionals nationwide. He also produces the daily market commentary, "Today’s Mortgage Minute," which reaches millions of viewers through various media outlets. In addition, David is a prolific writer, contributing articles to leading industry publications on a regular basis.Fox News, Yahoo!, Bloomberg, and CNBC are registered trademarks of Fox Media LLC, Yahoo Inc., Bloomberg Finance One L.P., and NBCUniversal Media, LLC, respectively.Sun West Mortgage Company, Inc. is acting as the Lender and offers financing to qualified borrowers. Sun West Mortgage Company, Inc. is not affiliated with any third parties mentioned above. The names are owned by the respective third parties.

In this episode of The Pavan Perspective, David Lykken sits down with David Pahwa, Head of Capital Markets at Sun West, to explore how Artificial Intelligence is transforming market analysis, loan pull-through forecasting, hedging, and risk management. Discover how Ai processes thousands of loans, helps preserve margins during uncertain market conditions, supports smarter trading decisions, and provides powerful insights into mortgage-backed securities and interest rate trends. Whether you're a mortgage professional, real estate expert, fintech enthusiast, investor, or simply interested in the future of Ai in finance, this episode delivers an exclusive behind-the-scenes look at how technology is reshaping the mortgage industry.Speaker InformationPavan AgarwalFounder/CEO of Celligence LLC and Creator of AngelAiPavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence, which harnesses the best of Artificial Intelligence and Empathetic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success. Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo!, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).Gurpreet (David) PahwaHead of Capital Markets at Sun WestGurpreet Pahwa, also known as David, is a seasoned professional who joined Sun West in 2008. With a wealth of experience and expertise in the financial industry, David currently holds the position of Head of Capital Markets at Sun West. His strategic vision and in-depth knowledge have been instrumental in driving Sun West's success in the dynamic world of capital markets. David's leadership and analytical skills have played a crucial role in optimizing Sun West's investment strategies and ensuring the company's financial stability and growth. His commitment to excellence and innovative approach have earned him a reputation as a trusted leader in the field of capital markets. David LykkenFounder and Chief Transformation Officer | Executive Coach and Business Strategy Consultant | Transformational Mortgage Solutions, LLCDavid Lykken is a seasoned mortgage industry expert with over four decades of experience. As a former owner-operator of three mortgage banking companies, a software firm, and several leading consulting businesses, David has a proven track record of driving growth through consulting, executive coaching, and strategic communications. He specializes in working with C-level executives and business owners to develop business strategies, enhance sales and marketing efforts, and streamline operations for greater efficiency and profitability.David is a regular guest on FOX Business News and CNBC and hosts the popular weekly podcast, "Lykken on Lending," which attracts thousands of mortgage professionals nationwide. He also produces the daily market commentary, "Today’s Mortgage Minute," which reaches millions of viewers through various media outlets. In addition, David is a prolific writer, contributing articles to leading industry publications on a regular basis.Fox News, Yahoo!, Bloomberg, and CNBC are registered trademarks of Fox Media LLC, Yahoo Inc., Bloomberg Finance One L.P., and NBCUniversal Media, LLC, respectively.Sun West Mortgage Company, Inc. is acting as the Lender and offers financing to qualified borrowers. Sun West Mortgage Company, Inc is not affiliated with any third parties mentioned above. The names are owned by the respective third parties.

United Wholesale Mortgage, LLC NMLS #3038’s $603 million hedging loss, has raised important questions about risk management, capital markets strategy, and the future of mortgage lending. In this episode of The Pavan Perspective, Pavan Agarwal, David Lykken, and David Pahwa discuss the lessons lenders can learn from recent market events, the importance of disciplined hedging strategies, and why mortgage companies must avoid treating capital markets like a guessing game. The conversation explores how artificial intelligence is transforming mortgage operations and risk management. Discover how Ai-powered technology is helping lenders navigate volatility, improve efficiency, and build a more resilient future for the mortgage industry.Speaker InformationPavan AgarwalFounder/CEO of Celligence LLC, Creator of AngelAi, CEO of Sun West Mortgage, nmls 3277Pavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence, which harnesses the best of Artificial Intelligence and Empathetic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success. Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo!, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).Gurpreet (David) PahwaHead of Capital Markets at Sun WestGurpreet Pahwa, also known as David, is a seasoned professional who joined Sun West in 2008. With a wealth of experience and expertise in the financial industry, David currently holds the position of Head of Capital Markets at Sun West. His strategic vision and in-depth knowledge have been instrumental in driving Sun West's success in the dynamic world of capital markets. David's leadership and analytical skills have played a crucial role in optimizing Sun West's investment strategies and ensuring the company's financial stability and growth. His commitment to excellence and innovative approach have earned him a reputation as a trusted leader in the field of capital markets. David LykkenFounder and Chief Transformation Officer | Executive Coach and Business Strategy Consultant | Transformational Mortgage Solutions, LLCDavid Lykken is a seasoned mortgage industry expert with over four decades of experience. As a former owner-operator of three mortgage banking companies, a software firm, and several leading consulting businesses, David has a proven track record of driving growth through consulting, executive coaching, and strategic communications. He specializes in working with C-level executives and business owners to develop business strategies, enhance sales and marketing efforts, and streamline operations for greater efficiency and profitability.David is a regular guest on FOX Business News and CNBC and hosts the popular weekly podcast, "Lykken on Lending," which attracts thousands of mortgage professionals nationwide. He also produces the daily market commentary, "Today’s Mortgage Minute," which reaches millions of viewers through various media outlets. In addition, David is a prolific writer, contributing articles to leading industry publications on a regular basis.Fox News, Yahoo!, Bloomberg, and CNBC are registered trademarks of Fox Media LLC, Yahoo Inc., Bloomberg Finance One L.P., and NBCUniversal Media, LLC, respectively.Sun West Mortgage Company, Inc. is acting as the Lender and offers financing to qualified borrowers. Sun West Mortgage Company, Inc is not affiliated with any third parties mentioned above.

What does it take to build a voice the world instantly recognizes? In this episode of The Pavan Perspective, David Lykken sits down with legendary Ultimate Fighting Championship (UFC) announcer Bruce Buffer to explore the secrets behind powerful communication, authentic personal branding, confidence, and lifelong mastery. Bruce shares how years of deliberate practice, passion, vocal modulation, and staying true to himself helped him develop one of the most iconic voices in sports. Whether you're an entrepreneur, business professional, leader, salesperson, or aspiring public speaker, this conversation is packed with actionable insights on communication skills, leadership, public speaking, personal development, success mindset, and building a lasting legacy. Watch until the end for timeless lessons that can transform the way you connect, influence, and inspire others.Speaker InformationPavan AgarwalFounder/CEO of Celligence LLC, Creator of AngelAiPavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence, which harnesses the best of Artificial Intelligence and Empathetic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success. Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo!, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).Bruce BufferUltimate Fighting Championship (UFC) Announcer Bruce Buffer, born May 21, 1957, is an acclaimed American professional ring announcer renowned as the official voice of UFC events. His iconic catchphrase, "It's Time!", has become synonymous with the excitement of mixed martial arts (MMA).Buffer's dynamic career in sports broadcasting and event hosting has solidified his place as one of the most recognizable and influential figures in combat sports and entertainment.David LykkenFounder and Chief Transformation Officer | Executive Coach and Business Strategy Consultant | Transformational Mortgage Solutions, LLCDavid Lykken is a seasoned mortgage industry expert with over four decades of experience. As a former owner-operator of three mortgage banking companies, a software firm, and several leading consulting businesses, David has a proven track record of driving growth through consulting, executive coaching, and strategic communications. He specializes in working with C-level executives and business owners to develop business strategies, enhance sales and marketing efforts, and streamline operations for greater efficiency and profitability.David is a regular guest on FOX Business News and CNBC and hosts the popular weekly podcast, "Lykken on Lending," which attracts thousands of mortgage professionals nationwide. He also produces the daily market commentary, "Today’s Mortgage Minute," which reaches millions of viewers through various media outlets. In addition, David is a prolific writer, contributing articles to leading industry publications on a regular basis.Bruce Buffer is a paid spokesperson for Celligence LLC, the creators of AngelAi.UFC and Ultimate Fighting Championship are registered trademarks of Zuffa, LLC.Fox News, Yahoo!, Bloomberg, and CNBCare registered trademarks of Fox Media LLC, Yahoo Inc., Bloomberg Finance One L.P., and NBCUniversal Media, LLC, respectively.Sun West Mortgage Company, Inc. is acting as the Lender and offers financing to qualified borrowers. Sun West Mortgage Company, Inc is not affiliated with any third parties mentioned above.

What separates trustworthy Ai from today's conventional Ai models? In this episode of The Pavan Perspective, David Lykken interviews Professor Arin Brahma, leading Ai researcher and co-author of a groundbreaking uncertainty-aware machine learning framework developed in collaboration with AngelAi®. Together, they explore why traditional Ai systems often struggle with uncertainty, bias, explainability, and consistency—and how deterministic Ai is changing the future of mortgage lending, banking, healthcare, and other high-stake industries. Learn how Ai governance, explainable Ai, fair lending, uncertainty quantification, and responsible artificial intelligence are reshaping financial technology and predictive decision-making. If you're interested in Ai, machine learning, mortgage technology, banking innovation, FinTech, compliance, or the future of intelligent automation, this episode is a must-watch.Speaker InformationPavan AgarwalFounder/CEO of Celligence LLC, Creator of AngelAiPavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence, which harnesses the best of Artificial Intelligence and Empathetic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success. Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo!, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).Arin Brahma, Ph.D.Associate Professor, Loyola Marymount UniversityArin Brahma, Ph.D. is an entrepreneur, educator, and Ai consultant with over 20 years of experience leading Ai, machine learning, and business transformation initiatives. He is the Founder and CEO of Kognivo Ai and a professor at Loyola Marymount University, where he combines academic research with practical industry expertise to help organizations harness Ai for innovation, operational efficiency, and intelligent decision-making.Before founding Kognivo Ai, Arin was Executive Vice President at Oracle's Financial Services BPO division and played a pivotal role in building i-flex BPO into a leading global financial services outsourcing company. A published researcher and trusted advisor, he specializes in translating cutting-edge Ai into real-world business solutions while mentoring the next generation of entrepreneurs and technology leaders.David LykkenFounder and Chief Transformation Officer | Executive Coach and Business Strategy Consultant | Transformational Mortgage Solutions, LLCDavid Lykken is a seasoned mortgage industry expert with over four decades of experience. As a former owner-operator of three mortgage banking companies, a software firm, and several leading consulting businesses, David has a proven track record of driving growth through consulting, executive coaching, and strategic communications. He specializes in working with C-level executives and business owners to develop business strategies, enhance sales and marketing efforts, and streamline operations for greater efficiency and profitability.David is a regular guest on FOX Business News and CNBC and hosts the popular weekly podcast, "Lykken on Lending," which attracts thousands of mortgage professionals nationwide. He also produces the daily market commentary, "Today’s Mortgage Minute," which reaches millions of viewers through various media outlets. In addition, David is a prolific writer, contributing articles to leading industry publications on a regular basis.Fox News, Yahoo!, Bloomberg, and CNBC are registered trademarks of Fox Media LLC

🎙️ In this episode of The Pavan Perspective, Pavan Agarwal sits down with Sandra Navarro, CEO of Loan Boss & Co., to discuss her inspiring journey from payroll assistant to industry leader.Learn about:🤝 Servant leadership and mentorship🤖 How AI is transforming the mortgage industry📈 Building a high-performing team💼 Women in leadership and entrepreneurship🌟 Creating opportunities through relationshipsWhether you're a mortgage professional, realtor, entrepreneur, or business owner, this episode is packed with insights to help you grow and lead with purpose.🎧 Watch now!Speaker InformationPavan AgarwalFounder/CEO of Celligence LLCCreator of AngelAiPavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence, which harnesses the best of Artificial Intelligence and Empathetic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success. Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo!, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).Sandra Navarro | NMLS 1829956CEO of Loan Boss & CoCommercial & Investment Financing SpecialistChapter President, NARA – LA & South BaySandra Navarro, widely known as The Loan Boss, is the CEO of Loan Boss & Co. and a mortgage and commercial financing expert with over seven years of experience in the lending industry. Starting her career as a payroll assistant, Sandra built her way to leading a team of loan professionals while specializing in residential, commercial, and investment financing nationwide. Passionate about mentorship, Ai-driven innovation, and servant leadership, she is dedicated to helping loan officers and real estate professionals scale their businesses through education, technology, and strategic relationships. Sandra is also a recognized industry leader and serves as a chapter president for National Association of Real Estate Brokers (NAREB) LA and South Bay, inspiring others by sharing her journey from humble beginnings to becoming a trusted voice in the mortgage industry. 📅 Upcoming Event: https://www.instagram.com/nahrepsouthbay/reel/DaeY3jHIeTS/📸 Instagram: https://www.instagram.com/theloanboss/NAREB is a registered trademark of National Association of Real Estate Brokers.Fox News, Yahoo!, and Bloomberg are registered trademarks of Fox Media LLC, Yahoo Inc., and Bloomberg Finance One L.P., respectively.Sun West Mortgage Company, Inc. is acting as the Lender and offers financing to qualified borrowers. Sun West Mortgage Company, Inc is not affiliated with any third parties mentioned above. The names are owned by the respective third parties.

In this episode of The Pavan Perspective, Pavan Agarwal sits down with David Lykken for a thought-provoking discussion on how Artificial Intelligence and blockchain technology are transforming the future of finance, credit, and global economic opportunity. They explore how Ai-powered financial systems can help bridge the gap for the 2+ billion people who are currently unbanked or underbanked, how decentralized wallets can redefine access to banking services, and why the next global economic transformation will be driven by Ai, blockchain, and digital innovation. From the future of credit markets to financial inclusion and the race for technological leadership, this conversation examines how emerging technologies can create a more connected and empowered world.- - Speaker InformationPavan AgarwalFounder/CEO of Celligence LLC, Creator of AngelAiPavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence, which harnesses the best of Artificial Intelligence and Empathetic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success. Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo!, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).David LykkenFounder and Chief Transformation Officer | Executive Coach and Business Strategy Consultant | Transformational Mortgage Solutions, LLCDavid Lykken is a seasoned mortgage industry expert with over four decades of experience. As a former owner-operator of three mortgage banking companies, a software firm, and several leading consulting businesses, David has a proven track record of driving growth through consulting, executive coaching, and strategic communications. He specializes in working with C-level executives and business owners to develop business strategies, enhance sales and marketing efforts, and streamline operations for greater efficiency and profitability.David is a regular guest on FOX Business News and CNBC and hosts the popular weekly podcast, "Lykken on Lending," which attracts thousands of mortgage professionals nationwide. He also produces the daily market commentary, "Today’s Mortgage Minute," which reaches millions of viewers through various media outlets. In addition, David is a prolific writer, contributing articles to leading industry publications on a regular basis.Fox News, Yahoo!, Bloomberg, CNBC, Globee® are registered trademarks of Fox Media LLC, Yahoo Inc., Bloomberg Finance One L.P., NBCUniversal Media, LLC, and Silicon Valley Communications, LLC, respectively.Sun West Mortgage Company, Inc. is acting as the Lender and offers financing to qualified borrowers. Sun West Mortgage Company, Inc is not affiliated with any third parties mentioned above. The names are owned by the respective third parties.

Is crypto fundamentally changing the way the world works? In this episode of The Pavan Perspective, David Lykken and Manny Alicandro explore the future of cryptocurrency, blockchain, tokenization, digital assets, and decentralized finance. From peer-to-peer payments to tokenized real estate, fractional ownership, and the future of stock trading, this conversation reveals how global finance is being reshaped and the new opportunities for wealth creation. Whether you're an investor, entrepreneur, fintech enthusiast, or simply curious about the future of money, this episode offers valuable insights into one of the biggest technological and financial transformations of our time.Speaker InformationPavan AgarwalFounder/CEO of Celligence LLCCreator of AngelAiCEO of Sun West Mortgage, nmls 3277Pavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence, which harnesses the best of Artificial Intelligence and Empathetic Technology to make mortgages simple and accessible. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, and products into a single architecture to achieve success. Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo!, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).David LykkenFounder and Chief Transformation Officer | Executive Coach and Business Strategy ConsultantTransformational Mortgage Solutions, LLCDavid Lykken is a seasoned mortgage industry expert with over four decades of experience. As a former owner-operator of three mortgage banking companies, a software firm, and several leading consulting businesses, David has a proven track record of driving growth through consulting, executive coaching, and strategic communications. He specializes in working with C-level executives and business owners to develop business strategies, enhance sales and marketing efforts, and streamline operations for greater efficiency and profitability. David is a regular guest on FOX Business News and CNBC and hosts the popular weekly podcast, "Lykken on Lending," which attracts thousands of mortgage professionals. He also produces the daily market commentary, "Today’s Mortgage Minute," which reaches millions of viewers. In addition, David is a prolific writer, contributing articles to leading industry publications.Manny Alicandro   Founding PartnerThe Alicandro Law Firm, PLLCManny Alicandro is the Founding Partner of The Alicandro Law Firm, where he advises clients on compliance, risk management, regulation, governance, and financial services. With over 30 years of experience, he has held senior leadership roles at a hedge fund, a global management consulting firm, a global investment bank, a major U.S. exchange, and FINRA, specializing in electronic trading, market structure, regulatory compliance, and FinTech.Manny holds degrees from New York University, Pace University, New York Law School, and MIT, and is admitted to practice before multiple state and federal courts, including the U.S. Supreme Court.Fox News, Yahoo!, Bloomberg, CNBC, FINRA, New York University, Pace University, New York Law School, and MIT are registered trademarks of Fox Media LLC, Yahoo Inc., Bloomberg Finance One L.P., NBCUniversal Media, LLC, Financial Industry Regulatory Authority, Inc., New York University, Pace University, New York Law School, and Massachusetts Institute Of Technology, respectively.Sun West Mortgage Company, Inc is not affiliated with any third parties mentioned above. The names are owned by the respective third parties.

Can Artificial Intelligence move beyond predictions and deliver decisions you can actually trust? In this episode of The Pavan Perspective, Jennifer Vallinayagam and David Lykken explore AngelAi's groundbreaking Warranted Intelligence, a foundational innovation that introduces deterministic, explainable Ai for high-stakes industries. Learn how AngelAi's patented Transactional Language ModelTM differs from conventional probabilistic Ai, why explainable decision-making is becoming essential for regulatory compliance, and how this technology is transforming mortgage lending, healthcare, financial services, and enterprise Ai. Speaker InformationPavan AgarwalFounder/CEO of Celligence LLC, Creator of AngelAiCEO of Sun West Mortgage, nmls 3277Pavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence, which harnesses the best of Artificial Intelligence and Empathetic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets.Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo!, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).Jennifer Vallinayagam Chief Operating Officer at Sun WestJennifer Vallinayagam, as the Chief Operating Officer (COO) of Sun West, has a remarkable background in software engineering and computer programming. She joined Sun West in 1999 and played a pivotal role in the development of the Mortgage Loan Origination System, now known as SunSoft®/SMILES. This software has been crucial to Sun West's origination and servicing operations and continues to be a cornerstone of their processes. Jennifer's dedication, hard work, and strategic mindset led to her appointment as COO.Her outstanding contributions have been recognized through prestigious accolades, including being named a '2023 Woman of Influence' by HousingWire, a '2023 Mortgage Lending Woman of Inspiration' by National Mortgage Professional, and receiving a Globee® Women in Business Award.David LykkenFounder and Chief Transformation Officer | Executive Coach and Business Strategy Consultant | Transformational Mortgage Solutions, LLCDavid Lykken is a seasoned mortgage industry expert with over four decades of experience. As a former owner-operator of three mortgage banking companies, a software firm, and several leading consulting businesses, David has a proven track record of driving growth through consulting, executive coaching, and strategic communications. He specializes in working with C-level executives and business owners to develop business strategies, enhance sales and marketing efforts, and streamline operations for greater efficiency and profitability. David is a regular guest on FOX Business News and CNBC and hosts the popular weekly podcast, "Lykken on Lending," which attracts thousands of mortgage professionals nationwide. He also produces the daily market commentary, "Today’s Mortgage Minute," which reaches millions of viewers through various media outlets. In addition, David is a prolific writer, contributing articles to leading industry publications on a regular basis.Visit swmc.com/disclaimer for terms and limitations of the AngelAi® Warranty.Fox News, Yahoo!, Bloomberg, CNBC, Globee® are registered trademarks of Fox Media LLC, Yahoo Inc., Bloomberg Finance One L.P., NBCUniversal Media, LLC, and Silicon Valley Communications, LLC, respectively.Sun West Mortgage Company, Inc. is acting as the Lender and offers financing to qualified borrowers. Sun West Mortgage Company, Inc is not affiliated with any third parties mentioned above. The names are owned by the respective third parties.

In this episode of The Pavan Perspective, David Lykken sits down with Troy Kennedy to discuss a major shift happening in mortgage lending: AI is no longer just a tool—it’s becoming the workflow itself. From siloed operations and manual handoffs to intelligent, continuously coordinated lending processes, they explore why the industry’s biggest challenge isn’t speed, but operational design. Discover how embedded intelligence can reduce friction, surface issues earlier, and help mortgage teams move from chasing tasks to driving smarter, more resilient decisions.Speaker InformationPavan AgarwalFounder/CEO of Celligence LLC, Creator of AngelAi, and CEO of Sun West Mortgage, nmls 3277Pavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies in the U.S., and the founder of Celligence. He is a leading advocate for Fair Lending and using AI-driven technology to make homeownership more accessible, particularly for underserved communities. His work has been recognized by Fox News, Yahoo!, and Bloomberg, and he has also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).David LykkenFounder and Chief Transformation Officer | Executive Coach and Business Strategy ConsultantTransformational Mortgage Solutions, LLCDavid Lykken is a mortgage industry veteran with over four decades of experience. A former owner of multiple mortgage banking companies, a software firm, and consulting businesses, he specializes in business strategy, executive coaching, sales, marketing, and operational transformation. He is the host of Lykken on Lending and Today's Mortgage Minute, and is a regular contributor to leading industry publications.Troy KennedyNMLS 418906CEO of LoanWorks Inc. | NMLS 2506079Troy Kennedy is the Chief Executive Officer of LoanWorks Inc., bringing over 30 years of leadership experience across operations, technology, finance, sales, and marketing. Prior to LoanWorks, he held leadership positions at Wells Fargo Home Mortgage, MetLife Investors, USAtalks.com, and Global House. He holds degrees from the University of Florida, Babson College, and Université de Lausanne, and completed an Executive program in Innovation Strategy with Artificial Intelligence at Harvard Business School. He was a finalist for CEO of the Year 2023 and actively supports industry associations and Habitat for Humanity.Sun West Mortgage Company, Inc. is acting as the Lender and offers financing to qualified borrowers. Sun West Mortgage Company, Inc. is not affiliated with any third parties mentioned above. The names are owned by their respective third parties.Fox News, Yahoo!, Bloomberg, MetLife, and CNBC are registered trademarks of their respective owners.

In this episode of The Pavan Perspective, Jennifer Vallinayagam and David Lykken explore how AngelAi® is transforming the mortgage industry. They break down how decades of engineering, real mortgage data, and system design have led to AngelAi’s revolutionary solutions. From automating loan origination to blockchain-enabled data security and digital twin technology, this conversation reveals how Ai is not just assisting lending—it is redefining it. We also uncover the importance of ownership-driven engineering culture and why simplicity in user experience hides extreme backend complexity. If you are interested in Ai in mortgage lending, fintech innovation, AGI, blockchain, and the future of financial services, this episode is a must-watch.Speaker InformationPavan AgarwalFounder/CEO of Celligence LLC, Creator of AngelAiCEO of Sun West Mortgage, nmls 3277Pavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence LLC, which harnesses the best of Artificial Intelligence and Empathetic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success. Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo!, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).Jennifer Vallinayagam Chief Operating Officer at Sun WestJennifer Vallinayagam, as the Chief Operating Officer (COO) of Sun West, has a remarkable background in software engineering and computer programming. She joined Sun West in 1999 and played a pivotal role in the development of the Mortgage Loan Origination System, now known as SunSoft®/SMILES. This software has been crucial to Sun West's origination and servicing operations and continues to be a cornerstone of their processes. Jennifer's dedication, hard work, and strategic mindset led to her appointment as COO.Her outstanding contributions have been recognized through prestigious accolades, including being named a '2023 Woman of Influence' by HousingWire, a '2023 Mortgage Lending Woman of Inspiration' by National Mortgage Professional, and receiving a Globee® Women in Business Award. Jennifer Vallinayagam's innovative spirit and leadership have not only shaped Sun West's technological landscape but have also positioned her as a prominent figure in the mortgage industry.David LykkenFounder and Chief Transformation Officer | Executive Coach and Business Strategy Consultant | Transformational Mortgage Solutions, LLCDavid Lykken is a seasoned mortgage industry expert with over four decades of experience. As a former owner-operator of three mortgage banking companies, a software firm, and several leading consulting businesses, David has a proven track record of driving growth through consulting, executive coaching, and strategic communications. He specializes in working with C-level executives and business owners to develop business strategies, enhance sales and marketing efforts, and streamline operations for greater efficiency and profitability. David is a regular guest on FOX Business News and CNBC and hosts the popular weekly podcast, "Lykken on Lending," which attracts thousands of mortgage professionals nationwide. He also produces the daily market commentary, "Today’s Mortgage Minute," which reaches millions of viewers through various media outlets. In addition, David is a prolific writer, contributing articles to leading industry publications on a regular basis.

In this episode of The Pavan Perspective, Pavan Agarwal welcomes Micah Smith, credit expert and founder of Micah Abigail LLC, for a timely discussion on the future of credit, mortgage lending, and financial literacy. Together, they explore how modern credit scoring may influence mortgage readiness, why rent and utility payment history matter, and how Ai-powered tools are transforming credit repair and borrower support. This powerful conversation is designed for homebuyers, Realtors®, Loan Officers, Brokers, Entrepreneurs, and anyone interested in credit score optimization.Speaker InformationPavan AgarwalCEO of Sun West and Creator of AngelAiPavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence, which harnesses the best of Artificial Intelligence and Emphatic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success. Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo!, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).Micah Smith President and Founder at Micah Abigail LLCMicah Smith is the Founder and CEO of Micah Abigail LLC, a mortgage-focused credit restoration firm based in Fishkill, NY. With 12+ years of experience and a 100% referral-based practice, Micah works exclusively with Loan Officers and real estate professionals nationwide to get their declined and not-yet-ready clients across the finish line — and back to the closing table.A Fox Business featured credit expert, keynote speaker, and host of the Rebuild & Rise podcast, Micah has built a reputation as one of the most trusted voices in mortgage credit strategy. She has been teaching VantageScore 4.0 and the future of mortgage scoring since 2022 — before most of the industry was paying attention.Their clients don't just improve their scores. They close.Realtors, Fox News, Yahoo!, and Bloomberg are registered trademarks of National Association of Realtors, Fox Media LLC, Yahoo Inc., and Bloomberg Finance One, respectively.Sun West Mortgage Company, Inc. is acting as the Lender and offers financing to qualified borrowers. Sun West Mortgage Company, Inc is not affiliated with any third parties mentioned above. The names are owned by the respective third parties.

In this episode of The Pavan Perspective, Pavan Agarwal and David Lykken explore the next major evolution in artificial intelligence, fintech, and mortgage technology. From agentic Ai and autonomous lending to blockchain, stablecoins, home equity, and financial inclusion, this conversation takes a deep look at how AngelAi® is helping redefine what reliable Ai can do in high-stakes financial transactions. Pavan shares insights on why businesses need Ai solutions that go beyond chatbots, how autonomous workflows can transform lending, and why the future of finance may depend on trusted, scalable, and transaction-ready Ai. Watch this episode to understand how Ai, blockchain, and digital banking could reshape the mortgage industry, expand access to credit, and unlock new possibilities for consumers and businesses worldwide.Speaker InformationPavan AgarwalCEO of Sun West and Creator of AngelAiPavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence, which harnesses the best of Artificial Intelligence and Emphatic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success. Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo!, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).David LykkenFounder and Chief Transformation Officer | Executive Coach and Business Strategy ConsultantTransformational Mortgage Solutions, LLCDavid Lykken is a seasoned mortgage industry expert with over four decades of experience. As a former owner-operator of three mortgage banking companies, a software firm, and several leading consulting businesses, David has a proven track record of driving growth through consulting, executive coaching, and strategic communications. He specializes in working with C-level executives and business owners to develop business strategies, enhance sales and marketing efforts, and streamline operations for greater efficiency and profitability. David is a regular guest on FOX Business News and CNBC and hosts the popular weekly podcast, "Lykken on Lending," which attracts thousands of mortgage professionals nationwide. He also produces the daily market commentary, "Today’s Mortgage Minute," which reaches millions of viewers through various media outlets. In addition, David is a prolific writer, contributing articles to leading industry publications on a regular basis.Fox News, Yahoo!, and Bloomberg are registered trademarks of Fox Media LLC, Yahoo Inc., and Bloomberg Finance One, respectively.Sun West Mortgage Company, Inc. is acting as the Lender and offers financing to qualified borrowers. Sun West Mortgage Company, Inc is not affiliated with any third parties mentioned above. The names are owned by the respective third parties.

In this episode of The Pavan Perspective, Pavan Agarwal, Angel Sumlin, and Andrew Berman explore how Ai is revolutionizing the mortgage industry by reducing deal fallout and automating income calculations. The discussion dives into how AngelAi is helping loan officers close loans quicker, improve borrower experiences, support self-employed and gig economy clients, and transform the future of mortgage lending through Ai-powered automation, blockchain security, and instant loan analysis.Speaker InformationPavan AgarwalCEO of Sun West and Creator of AngelAiPavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence, which harnesses the best of Artificial Intelligence and Emphatic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success. Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo!, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).Angel SumlinManaging Director of Organizational Development at Sun WestAs the Managing Director of Organizational Development at Sun West, Angel leads and supports the assessment of organizational needs as well as the creation, implementation, and evaluation of programs that assist the company's employees in their continuing career advancement. She also serves as a liaison and an advisor to the organization's leadership, facilitating initiatives across the board. Angel's foundational expertise is in Learning and Development, with demonstrated success in the financial services industry. She has a Master of Business Administration degree from the University of La Verne, California, and is a Certified Professional in Talent Development (CPTD), skilled in coaching, sales, communications, instructional design, team development, and project management.Andrew BermanCEO, National Mortgage ProfessionalAndrew Berman is a leading force in the media landscape. As the CEO at National Mortgage Professional (NMP), he helps share real-world success stories and actionable strategies that move the needle and deliver insight through newsletters, podcasts, webinars, and video. He also hosts events that spark meaningful connections and partnerships, offer targeted marketing services to help NMP’s partners reach the right audience, and provides compliance-focused content to help professionals stay protected and informed.Fox News, Yahoo!, Bloomberg, and USA Today are registered trademarks of Fox Media LLC, Yahoo Inc., Bloomberg Finance One L.P., and Gannett Satellite Information Network, LLC, respectively.Sun West Mortgage Company, Inc. is acting as the Lender and offers financing to qualified borrowers. Sun West Mortgage Company, Inc is not affiliated with any third parties mentioned above. The names are owned by the respective third parties.

In this episode of The Pavan Perspective, Pavan Agarwal, Angel Sumlin, and Nathan S. Pierce discuss why more real estate deals are falling apart before closing and how evolving income structures are creating new challenges in mortgage approvals. From self-employed borrowers and side hustles to commission and multi-income households, the conversation explores why traditional underwriting struggles to keep up. The episode also highlights how Ai-driven income analysis can help Realtors® and loan officers reduce deal fallout, speed up approvals, and create more certainty throughout the homebuying process. Tune in for practical insights on the future of mortgage qualification.- - - Speaker InformationPavan AgarwalCEO of Sun West and Creator of AngelAiPavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence, which harnesses the best of Artificial Intelligence and Emphatic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success. Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo!, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).Angel SumlinManaging Director of Organizational Development at Sun WestAs the Managing Director of Organizational Development at Sun West, Angel leads and supports the assessment of organizational needs as well as the creation, implementation, and evaluation of programs that assist the company's employees in their continuing career advancement. She also serves as a liaison and an advisor to the organization's leadership, facilitating initiatives across the board. Angel's foundational expertise is in Learning and Development, with demonstrated success in the financial services industry. She has a Master of Business Administration degree from the University of La Verne, California, and is a Certified Professional in Talent Development (CPTD), skilled in coaching, sales, communications, instructional design, team development, and project management.Nathan S. PiercePresident and Certified Residential Mortgage Specialist Advanced Funding Home Mortgage Loans. A Utah Corporation | NMLS 13287Nathan S. Pierce is a Utah-based mortgage professional and Certified Residential Mortgage Specialist (CRMS) with more than three decades of experience in home lending and banking. He began his career in the mortgage industry in 1991 and founded Advanced Funding Home Mortgage Loans in Salt Lake City in 1994, where he continues to provide tailored financing solutions for homebuyers and homeowners.Throughout his career, Nathan has guided thousands of borrowers through the home-loan process, specializing in residential mortgage financing and client education. He is known for his clear, client-focused approach and his ability to simplify complex lending decisions.Nathan has also been actively involved in the mortgage industry community, including participation in the National Association of Mortgage Professionals (NAMB) and the Utah Association of Mortgage Professionals, supporting professional development and ethical lending standards. His long-standing career reflects a commitment to integrity, service, and helping families achieve sustainable homeownership.Sun West Mortgage Company, Inc. is acting as the Lender and offers financing to qualified borrowers. Sun West Mortgage Company, Inc is not affiliated with any third parties mentioned above. The names are owned by the respective third parties.AngelAi®, Realtors, Fox News, Yahoo!

In this episode of The Pavan Perspective, Pavan Agarwal and Tim Harris discuss how Ai is transforming the future of real estate and mortgages. From Ai-powered mortgage approvals and automated transactions to tokenized real estate and the Clarity Act, they explore how technology could reshape ownership, investing, and wealth creation in the years ahead. They also dive into why human relationships will remain essential in an Ai-driven market, how agents can adapt to rapid industry change, and what real estate professionals should be doing today to prepare for the future. Don’t miss this insightful conversation on Ai, tokenization, and the next evolution of real estate.Speaker InformationPavan AgarwalCEO of Sun West and Creator of AngelAiPavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence, which harnesses the best of Artificial Intelligence and Emphatic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success. Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo!, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).Tim Harris Real Estate Coach, Author, and Industry TrainerTim Harris is a leading real estate coach and co-founder of Tim & Julie Harris Real Estate Coaching. With over two decades of experience, Tim has built a reputation as one of the industry's top coaches, helping thousands of real estate professionals achieve success. In their first year as Realtors®, Tim and his wife Julie sold over 100 homes, paving the way for their future accomplishments.Tim and Julie have authored multiple books, including the bestselling HARRIS RULES, and have been recognized by Inman News as the “Best Coaches in the Industry.” They have coached top-producing agents across the U.S. and provided training for major organizations such as RE/MAX and Keller Williams. Their practical, no-nonsense approach has made their coaching programs some of the most sought after in real estate.AngelAi®, Fox News, Yahoo!, Bloomberg, and CNBC are registered trademarks of Celligence LLC, Fox Media LLC, Yahoo Inc., Bloomberg Finance One L.P., and NBCUniversal Media, LLC, respectively.Sun West Mortgage Company, Inc. is acting as the Lender and offers financing to qualified borrowers. Sun West Mortgage Company, Inc is not affiliated with any third parties mentioned above. The names are owned by the respective third parties.

In this powerful episode of The Pavan Perspective, Pavan Agarwal and David Lykken dive into the critical intersection of Ai and human capital. Discover why Ai alone isn’t enough to drive success in today’s fast-paced business landscape. Learn how human expertise is the ultimate asset that can elevate Ai’s potential, foster innovation, and ensure long-term growth. Whether you're in finance, tech, or any other industry, this discussion reveals why human capital is the true competitive advantage in the age of automation. Don’t miss this thought-provoking conversation on how businesses can leverage both Ai and human brilliance for unstoppable success.Speaker InformationPavan AgarwalCEO of Sun West and Creator of AngelAiPavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence, which harnesses the best of Artificial Intelligence and Emphatic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success. Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo!, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).David LykkenFounder and Chief Transformation Officer | Executive Coach and Business Strategy Consultant |Transformational Mortgage Solutions, LLCDavid Lykken is a seasoned mortgage industry expert with over four decades of experience. As a former owner-operator of three mortgage banking companies, a software firm, and several leading consulting businesses, David has a proven track record of driving growth through consulting, executive coaching, and strategic communications. He specializes in working with C-level executives and business owners to develop business strategies, enhance sales and marketing efforts, and streamline operations for greater efficiency and profitability. David is a regular guest on FOX Business News and CNBC and hosts the popular weekly podcast, "Lykken on Lending," which attracts thousands of mortgage professionals nationwide. He also produces the daily market commentary, "Today’s Mortgage Minute," which reaches millions of viewers through various media outlets. In addition, David is a prolific writer, contributing articles to leading industry publications on a regular basis.AngelAi®, Fox News, Yahoo!, Bloomberg, and CNBC are registered trademarks of Celligence LLC, Fox Media LLC, Yahoo Inc., Bloomberg Finance One L.P., and NBCUniversal Media, LLC, respectively.Sun West Mortgage Company, Inc. is acting as the Lender and offers financing to qualified borrowers. Sun West Mortgage Company, Inc is not affiliated with any third parties mentioned above. The names are owned by the respective third parties.

In this episode of The Pavan Perspective, Tim Slevin and Lukas Rosenblum break down how top real estate agents and loan officers are building a predictable, scalable lead generation system using Ai, we break down why traditional lead strategies are failing, how top producers generate and connect with high-quality prospects, and the strategy to turn cold calls into consistent closings. If you’re tired of overpriced leads and inconsistent pipelines, this episode reveals a smarter, quicker way to own your leads, scale your business, and win in today’s competitive market.Speaker InformationPavan AgarwalCEO of Sun West and Creator of AngelAiPavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence, which harnesses the best of Artificial Intelligence and Emphatic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success. Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo!, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).Tim SlevinCEO of The Share GroupTim Slevin is the CEO of The Share Group, an Omaha-based data science company powering Realtors®, brokers, loan officers, and home services firms with high-quality, on-demand data. The Share Group has become one of the industry’s leading data marketplaces, supporting 10,000+ Realtors and Brokers across every major brokerage, and playing a key role in outbound prospecting success for top partners including Sun West Mortgage.With 20+ years of experience in high-growth, data-driven organizations, Tim specializes in scalable sales architecture, operational discipline, and building teams that consistently outperform.Before The Share Group, Tim founded Healthcare Data Solutions, driving 32 consecutive quarters of double-digit growth, earning 3× Inc. 5000 recognition, and leading its acquisition by IQVIA. Through Slevin Advisory Group, he has also built and exited multiple companies, including doubling the enterprise value of BuildCentral prior to its sale to BCI International.Lukas RosenblumNMLS 196011Chief Client Officer at AngelAiLukas Rosenblum is the Chief Client Officer at AngelAi®, where he works alongside CEO Pavan Agarwal to democratize finance and create equal access for underserved communities worldwide. With deep expertise in real estate, fintech, and sales leadership, he specializes in Ai-driven lead generation, data intelligence, and scaling high-performance teams. A Texas market expert and NMLS-licensed professional, Lukas is passionate about leveraging Ai, blockchain, and smart automation to expand opportunity, empower businesses, and help professionals compete on a level playing field. His mission is to use technology not just to drive growth, but to unlock economic opportunity and bring the dream of financial inclusion to millions.AngelAi, Fox News, Yahoo!, Bloomberg, Realtors, IQVIA, and BuildCentral are registered trademarks of Celligence LLC, Fox Media LLC, Yahoo Inc., Bloomberg Finance One L.P., National Association of Realtors, IQVIA Inc., and BuildCentral, Inc., respectively.Sun West Mortgage Company, Inc. is acting as the Lender and offers financing to qualified borrowers. Sun West Mortgage Company, Inc is not affiliated with any third parties mentioned above. The names are owned by the respective third parties.

Is business success random or is it something you can actually predict? In this episode of The Pavan Perspective, David Lykken sits down with Pavan Agarwal to unpack a powerful idea: what feels like chaos in business is often just math we don’t fully understand yet. From Markov chains and blackjack strategy to the foundations of modern Ai, they break down how decisions should be made — not on past outcomes, but on what’s in front of you right now. The takeaway? It’s not magic. It’s math — and once you see it, you’ll think about risk, growth, and decision-making very differently.Speaker InformationPavan AgarwalCEO of Sun West and Creator of AngelAi®Pavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence, which harnesses the best of Artificial Intelligence and Emphatic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success. Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo!, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).David LykkenFounder and Chief Transformation Officer | Executive Coach and Business Strategy ConsultantTransformational Mortgage Solutions, LLCDavid Lykken is a seasoned mortgage industry expert with over four decades of experience. As a former owner-operator of three mortgage banking companies, a software firm, and several leading consulting businesses, David has a proven track record of driving growth through consulting, executive coaching, and strategic communications. He specializes in working with C-level executives and business owners to develop business strategies, enhance sales and marketing efforts, and streamline operations for greater efficiency and profitability. David is a regular guest on FOX Business News and CNBC and hosts the popular weekly podcast, "Lykken on Lending," which attracts thousands of mortgage professionals nationwide. He also produces the daily market commentary, "Today’s Mortgage Minute," which reaches millions of viewers through various media outlets. In addition, David is a prolific writer, contributing articles to leading industry publications on a regular basis.AngelAi, Fox News, Yahoo!, and Bloomberg are registered trademarks of Celligence, Fox Media LLC, Yahoo Inc., and Bloomberg Finance One, respectively.Sun West Mortgage Company, Inc. is acting as the Lender and offers financing to qualified borrowers. Sun West Mortgage Company, Inc is not affiliated with any third parties mentioned above. The names are owned by the respective third parties.

In this episode of The Pavan Perspective, host David Lykken sits down with Troy Kennedy, founder of LoanWorks.ai, and Loan Officer Jodi Perry to show what Ai-powered mortgage lending looks like in practice — not as a promise, but as a daily reality. From driving 8 hours round-trip to retrieve a forgotten laptop, to closing a fully underwritten loan from her phone over Sunday cocktails, Jodi's story is relatable and revolutionary. Troy shares why LoanWorks.ai — built on AngelAi's® neural network — isn't incremental change, but a complete reinvention of how mortgages get done. If you're a loan officer still buried in files and tethered to your laptop — this episode is your wake-up call.Speaker InformationPavan AgarwalCEO of Sun West and Creator of AngelAiPavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence, which harnesses the best of Artificial Intelligence and Emphatic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success. Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo!, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).David LykkenFounder and Chief Transformation Officer | Executive Coach and Business Strategy ConsultantTransformational Mortgage Solutions, LLCDavid Lykken is a seasoned mortgage industry expert with over four decades of experience. As a former owner-operator of three mortgage banking companies, a software firm, and several leading consulting businesses, David has a proven track record of driving growth through consulting, executive coaching, and strategic communications. He specializes in working with C-level executives and business owners to develop business strategies, enhance sales and marketing efforts, and streamline operations for greater efficiency and profitability. David is a regular guest on FOX Business News and CNBC and hosts the popular weekly podcast, "Lykken on Lending," which attracts thousands of mortgage professionals nationwide. He also produces the daily market commentary, "Today’s Mortgage Minute," which reaches millions of viewers through various media outlets. In addition, David is a prolific writer, contributing articles to leading industry publications on a regular basis.Troy Kennedy CEO of LoanWorks Inc. | NMLS 2506079Troy Kennedy is the Chief Executive Officer of LoanWorks Inc., bringing over 30 years of experience in building, scaling, and leading large-scale organizations. He is a seasoned executive with cross-functional expertise across operations, technology, finance, sales, and marketing, and is known for his ability to navigate change and drive strategic growth. Troy is passionate about delivering innovative, disruptive improvements in the lending industry that enhance both efficiency and customer experience.Jodi Perry Loan Officer at LoanWorks Inc. | NMLS 2506079Jodi Perry is a Sales Manager at LoanWorks, Inc. and a licensed Loan Officer (NMLS 1466842) with over two decades of experience in mortgage lending, sales leadership, and business development. Known for consistently exceeding performance goals, Jodi has built a reputation for driving growth, leading high-performing teams, and delivering exceptional client experiences. She is passionate about building long-term relationships, often turning clients into lifelong connections through trust, service, and results.Fox News, Yahoo!, Bloomberg, MetLife, and CNBC are registered trademarks of Fox Media LLC, Yahoo Inc

Discover how Ai is revolutionizing real estate lead generation in this episode of The Pavan Perspective. Tim Slevin and Lukas Rosenblum share powerful strategies to help you build your lead pipeline, eliminate cold calling, and leverage cutting-edge technology to attract high-quality prospects. Don’t miss out on the future of real estate marketing – tune in now and learn how to boost your business with Ai!Speaker InformationPavan AgarwalCEO of Sun West and Creator of AngelAiPavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence, which harnesses the best of Artificial Intelligence and Emphatic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success. Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo!, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).Tim SlevinCEO of The Share GroupTim Slevin is the CEO of The Share Group, an Omaha-based data science company powering Realtors®, brokers, loan officers, and home services firms with high-quality, on-demand data. The Share Group has become one of the industry’s leading data marketplaces, supporting 10,000+ Realtors® and Brokers across every major brokerage, and playing a key role in outbound prospecting success for top partners including Sun West.With 20+ years of experience in high-growth, data-driven organizations, Tim specializes in scalable sales architecture, operational discipline, and building teams that consistently outperform.Before The Share Group, Tim founded Healthcare Data Solutions, driving 32 consecutive quarters of double-digit growth, earning 3× Inc. 5000 recognition, and leading its acquisition by IQVIA. Through Slevin Advisory Group, he has also built and exited multiple companies, including doubling the enterprise value of BuildCentral prior to its sale to BCI International.Lukas RosenblumChief Client Officer at AngelAiLukas Rosenblum is the Chief Client Officer at AngelAiTM, where he works alongside CEO Pavan Agarwal to democratize finance and create equal access for underserved communities worldwide. With deep expertise in real estate, fintech, and sales leadership, he specializes in Ai-driven lead generation, data intelligence, and scaling high-performance teams. A Texas market expert and NMLS-licensed professional, Lukas is passionate about leveraging Ai, blockchain, and smart automation to expand opportunity, empower businesses, and help professionals compete on a level playing field. His mission is to use technology not just to drive growth, but to unlock economic opportunity and bring the dream of financial inclusion to millions.AngelAi, Fox News, Yahoo!, Bloomberg, Realtors®, IQVIA, and BuildCentral are registered trademarks of Celligence LLC, Fox Media LLC, Yahoo Inc., Bloomberg Finance One L.P., National Association of Realtors®, IQVIA Inc., and BuildCentral, Inc., respectively.Sun West Mortgage Company, Inc. is acting as the Lender and offers financing to qualified borrowers. Sun West Mortgage Company, Inc is not affiliated with any third parties mentioned above. The names are owned by the respective third parties.

Are Large Language Models (LLMs) truly intelligent—or are we falling for the hype? In this episode of The Pavan Perspective, Pavan Agarwal breaks down the reality behind LLMs, explaining why they process but don’t actually think, and what that means for businesses, decision-making, and the future of Artificial Intelligence. From the difference between reasoning and rationalization to the concept of Artificial General Intelligence (AGI) and the growing importance of data ownership, this conversation delivers powerful insights into how Ai really works—and how to use it effectively without being misled. Whether you're in tech, fintech, or simply curious about the future of Ai, this episode is a must-watch.Speaker InformationPavan AgarwalCEO of Sun West and Creator of AngelAiTMPavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence, which harnesses the best of Artificial Intelligence and Emphatic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success. Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo!, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).David LykkenFounder and Chief Transformation Officer | Executive Coach and Business Strategy ConsultantTransformational Mortgage Solutions, LLCDavid Lykken is a seasoned mortgage industry expert with over four decades of experience. As a former owner-operator of three mortgage banking companies, a software firm, and several leading consulting businesses, David has a proven track record of driving growth through consulting, executive coaching, and strategic communications. He specializes in working with C-level executives and business owners to develop business strategies, enhance sales and marketing efforts, and streamline operations for greater efficiency and profitability. David is a regular guest on FOX Business News and CNBC and hosts the popular weekly podcast, "Lykken on Lending," which attracts thousands of mortgage professionals nationwide. He also produces the daily market commentary, "Today’s Mortgage Minute," which reaches millions of viewers through various media outlets. In addition, David is a prolific writer, contributing articles to leading industry publications on a regular basis.Fox News, Yahoo!, Bloomberg, and CNBC are registered trademarks of Fox Media LLC, Yahoo Inc., Bloomberg Finance One L.P., and NBCUniversal Media, LLC, respectively.Sun West Mortgage Company, Inc. is acting as the Lender and offers financing to qualified borrowers. Sun West Mortgage Company, Inc is not affiliated with any third parties mentioned above. The names are owned by the respective third parties.

In this episode of The Pavan Perspective, Pavan Agarwal, David Lykken, and Damon Burrows explore how Ai, blockchain, and data ownership are revolutionizing both healthcare and finance. Discover how AngelAi™ is empowering individuals to take control of their data, turning it into a valuable asset. From mobile imaging technology to secure, blockchain-based wallets, learn how these innovations are shaping the future of personal data, privacy, and even monetization. Don't miss this game-changing conversation that could transform how you think about your data and its potential!Speaker InformationPavan AgarwalCEO of Sun West and Creator of AngelAiPavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence, which harnesses the best of Artificial Intelligence and Emphatic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success. Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo!, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).David LykkenFounder and Chief Transformation Officer | Executive Coach and Business Strategy ConsultantTransformational Mortgage Solutions, LLCDavid Lykken is a seasoned mortgage industry expert with over four decades of experience. As a former owner-operator of three mortgage banking companies, a software firm, and several leading consulting businesses, David has a proven track record of driving growth through consulting, executive coaching, and strategic communications. He specializes in working with C-level executives and business owners to develop business strategies, enhance sales and marketing efforts, and streamline operations for greater efficiency and profitability. David is a regular guest on FOX Business News and CNBC and hosts the popular weekly podcast, "Lykken on Lending," which attracts thousands of mortgage professionals nationwide. He also produces the daily market commentary, "Today’s Mortgage Minute," which reaches millions of viewers through various media outlets. In addition, David is a prolific writer, contributing articles to leading industry publications on a regular basis.Damon BurrowsFounder and CEO, Patifina Corp.Damon is an experienced healthcare and life science executive with 25 years of experience. He has experience in pharmaceutical companies and has successfully navigated numerous drug development programs through the Food and Drug Administration (FDA) regulatory approval process and commercial launch. He has extensive Public Policy experience and has worked with numerous Federal and State Agencies on the Regulatory challenges of commercialization. With Patifina, Damon is advancing cutting edge medical research with Ai and the world’s most advanced CT imaging platform.Fox News, Yahoo!, Bloomberg, and CNBC are registered trademarks of Fox Media LLC, Yahoo Inc., Bloomberg Finance One L.P., and NBCUniversal Media, LLC, respectively.Sun West Mortgage Company, Inc. is acting as the Lender and offers financing to qualified borrowers. Sun West Mortgage Company, Inc is not affiliated with any third parties mentioned above. The names are owned by the respective third parties.

Join us for an exclusive episode of The Pavan Perspective Podcast featuring David Pahwa from Sun West as we dive into the booming world of Non-QM loans. In this episode, we explore how Non-QM is no longer just a fallback product but a core strategy for brokers looking to grow their business. Learn how AngelAiTM is helping mortgage professionals thrive. With increasing investor demand and game-changing product options, this is a must-watch episode for anyone in the mortgage industry.Speaker InformationPavan AgarwalCEO of Sun West and Creator of AngelAiPavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence, which harnesses the best of Artificial Intelligence and Emphatic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success. Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo!, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).Gurpreet (David) PahwaHead of Capital Markets at Sun WestGurpreet Pahwa, also known as David , is a seasoned professional who joined Sun West in 2008. With a wealth of experience and expertise in the financial industry, David currently holds the position of Head of Capital Markets at Sun West. His strategic vision and in-depth knowledge have been instrumental in driving Sun West's success in the dynamic world of capital markets. David's leadership and analytical skills have played a crucial role in optimizing Sun West's investment strategies and ensuring the company's financial stability and growth. His commitment to excellence and innovative approach have earned him a reputation as a trusted leader in the field of capital markets.Andrew BermanCEO, National Mortgage ProfessionalAndrew Berman is a leading force in the media landscape. As the CEO at National Mortgage Professional (NMP), he helps share real-world success stories and actionable strategies that move the needle and deliver insight through newsletters, podcasts, webinars, and video. He also hosts events that spark meaningful connections and partnerships, offer targeted marketing services to help NMP’s partners reach the right audience, and provides compliance-focused content to help professionals stay protected and informed.Fox News, Yahoo!, Bloomberg, and USA Today are registered trademarks of Fox Media LLC, Yahoo Inc., Bloomberg Finance One L.P., and Gannett Satellite Information Network, LLC, respectively.Sun West Mortgage Company, Inc. is acting as the Lender and offers financing to qualified borrowers. Sun West Mortgage Company, Inc is not affiliated with any third parties mentioned above. The names are owned by the respective third parties.

In this episode of The Pavan Perspective, Natasha Graziano joins Pavan Agarwal for a compelling conversation on Ai, blockchain, mortgages, real estate, financial freedom, and the future of money. They discuss how artificial intelligence is transforming banking and homeownership, how technology can help people navigate credit and financial decisions with greater confidence, and why data, digital wallets, and blockchain-backed systems may play a major role in the future of finance. From building wealth through real estate to understanding the growing impact of Ai on everyday financial life, this episode offers powerful insights into the next big shift in fintech and financial empowerment.Speaker InformationPavan AgarwalCreator of AngelAi™Pavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence, which harnesses the best of Artificial Intelligence and Emphatic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success.Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo!, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).Natasha GrazianoMotivational Speaker, Author, and Mindset CoachNatasha Graziano is a globally recognized motivational speaker, author, and entrepreneur known for her work in personal development, manifestation, and mindset transformation. Often referred to as the “Life Coach to the Stars,” she has built a large global following by teaching practical techniques rooted in the law of attraction, helping individuals unlock confidence, purpose, and financial abundance.Through her speaking engagements, digital programs, and online platforms, Natasha empowers millions of people to shift their mindset and take control of their future. Known for her energetic style and empowering message, she inspires audiences worldwide to believe in their potential and create the life they truly want.Fox News, Yahoo!, Bloomberg, and USA Today are registered trademarks of Fox Media LLC, Yahoo Inc., Bloomberg Finance One L.P., and Gannett Satellite Information Network, LLC, respectively.Sun West Mortgage Company, Inc. is acting as the Lender and offers financing to qualified borrowers. Sun West Mortgage Company, Inc is not affiliated with any third parties mentioned above. The names are owned by the respective third parties.

Artificial intelligence is often framed as a looming threat — but is that narrative justified? In this episode of The Pavan Perspective, Pavan Agarwal sits down with Taylor Ferber to unpack the fear around Ai, the role of Big Tech in shaping public perception, and why decentralized innovation could determine how this technology evolves.Speaker InformationPavan AgarwalCreator of AngelAi™Pavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence, which harnesses the best of Artificial Intelligence and Emphatic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success. Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo!, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).Taylor FerberMedia Personality, Host, and WriterTaylor Ferber is a veteran journalist, media personality, and podcast host known for her bold interview style and fearless voice in cultural conversations. Often referred to as the “Celebrity Whisperer,” she has interviewed high-profile figures including Oprah Winfrey, Lady Gaga, Danny DeVito, Tucker Carlson, and Dave Portnoy, along with innovators in technology and Web3. Her work has been featured in major outlets such as USA Today, New York Magazine, and Fox News.She is the creator and host of Talk To Me Taylor, a platform known for candid interviews and thought-provoking discussions around media, culture, and free expression. Known for challenging conventional narratives, Taylor has built a reputation for engaging conversations that push boundaries and encourage open dialogue across entertainment, media, and technology.Fox News, Yahoo!, Bloomberg, and USA Today are registered trademarks of Fox Media LLC, Yahoo Inc., Bloomberg Finance One L.P., and Gannett Satellite Information Network, LLC, respectively.Sun West Mortgage Company, Inc. is acting as the Lender and offers financing to qualified borrowers. Sun West Mortgage Company, Inc is not affiliated with any third parties mentioned above. The names are owned by the respective third parties.

Artificial Intelligence is advancing faster than most companies realize—and many may already be falling behind. In this episode of The Pavan Perspective, Pavan Agarwal joins David Lykken and Jennifer Vallinayagam to discuss why Ai is far more than just chatbots or generative tools like ChatGPT. They dive into the concept of decision intelligence, the growing Ai tipping point, and why only a small percentage of organizations truly understand how to build and deploy real Ai systems. The conversation also explores how AngelAiTM is transforming lending, why many companies underestimate the complexity of Ai, and what the future holds for Ai-powered financial services. If you're interested in the future of Ai, fintech, and mortgage technology, this discussion offers powerful insights into the next wave of Ai disruption.Speaker InformationPavan AgarwalCEO of Sun West and Creator of AngelAiPavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence, which harnesses the best of Artificial Intelligence and Emphatic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success. Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo!, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).Jennifer Vallinayagam Chief Operating Officer at Sun WestJennifer Vallinayagam, as the Chief Operating Officer (COO) of Sun West, has a remarkable background in software engineering and computer programming. She joined Sun West in 1999 and played a pivotal role in the development of the Mortgage Loan Origination System, now known as SunSoft®/SMILES. This software has been crucial to Sun West's origination and servicing operations and continues to be a cornerstone of their processes. Jennifer's dedication, hard work, and strategic mindset led to her appointment as COO.

Join Pavan Agarwal and Andrew Berman in this powerful episode of The Pavan Perspective as they explore the accelerating trust shift toward Ai in mortgage lending. Discover how AngelAi delivers real-time income analysis, instant approvals, and compliance-backed accuracy. The conversation also covers built-in tools like AngelSignTM, Ai Twin, and various other automation features designed to upgrade loan officers, helping them close smarter and compete in an Ai-driven market. If you want to understand how Ai is redefining modern lending, this deep dive is a must-watch.Speaker InformationPavan AgarwalCEO of Sun West and Creator of AngelAi™ Pavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence, which harnesses the best of Artificial Intelligence and Emphatic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success. Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo!, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).Jennifer Vallinayagam Chief Operating Officer at Sun WestJennifer Vallinayagam, as the Chief Operating Officer (COO) of Sun West, has a remarkable background in software engineering and computer programming. She joined Sun West in 1999 and played a pivotal role in the development of the Mortgage Loan Origination System, now known as SunSoft®/SMILES. This software has been crucial to Sun West's origination and servicing operations and continues to be a cornerstone of their processes. Jennifer's dedication, hard work, and strategic mindset led to her appointment as COO.Her outstanding contributions have been recognized through prestigious accolades, including being named a '2023 Woman of Influence' by HousingWire, a '2023 Mortgage Lending Woman of Inspiration' by National Mortgage Professional, and receiving a Globee® Women in Business Award.David PahwaHead of Capital Markets at Sun WestGurpreet Pahwa, also known as David, is a seasoned professional who joined Sun West in 2008. With a wealth of experience and expertise in the financial industry, David currently holds the position of Head of Capital Markets at Sun West.Alexander PerrySenior Mortgage Trainer at Sun WestAlex Perry is a dynamic corporate sales trainer with expertise in the mortgage industry and Ai-powered innovation. He partners with sales teams to elevate performance through customized, high-impact training programs designed to drive measurable results. With a strong focus on integrating cutting-edge technology into traditional sales models, Alex helps professionals modernize their approach, sharpen their competitive edge, and thrive in complex financial environments.Andrew BermanHead of Outreach and Engagement at American Business Media, Media Innovator, and Mortgage Journalism ExpertAndrew Berman is a leading force in the media landscape, driving innovation as the Head of Outreach and Engagement at American Business Media. His strategic vision played a pivotal role in a landmark merger that united a top mortgage magazine with a national news network, creating a media powerhouse.Fox News, Yahoo!, and Bloomberg are registered trademarks of Fox Media LLC, Yahoo Inc., and Bloomberg Finance One L.P., respectively.Sun West Mortgage Company, Inc. is acting as the Lender and offers financing to qualified borrowers. Sun West Mortgage Company, Inc is not affiliated with any third parties mentioned above. The names are owned by the respective third parties.

In this episode of The Pavan Perspective, Pavan Agarwal joins David Pahwa and Jennifer Vallinayagam to break down what the latest push to curb large institutional buyers could mean for inventory and small investors, explain Debt Service Coverage Ratio (DSCR) in plain English (qualifying based on rental cash flow), and explore why Home Equity Line of Credit (HELOC) DSCR is becoming a powerful tool for liquidity and portfolio growth. You’ll also see how Ai is transforming the industry—helping real estate agents and mortgage pros scale their business quickly.- - -Speaker InformationPavan AgarwalCEO of Sun West and Creator of AngelAiTMPavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence, which harnesses the best of Artificial Intelligence and Emphatic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success.Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo!, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).Jennifer VallinayagamChief Operating Officer at Sun WestJennifer Vallinayagam, as the Chief Operating Officer (COO) of Sun West, has a remarkable background in software engineering and computer programming. She joined Sun West in 1999 and played a pivotal role in the development of the Mortgage Loan Origination System, now known as SunSoft®/SMILES. This software has been crucial to Sun West's origination and servicing operations and continues to be a cornerstone of their processes. Jennifer's dedication, hard work, and strategic mindset led to her appointment as COO.Her outstanding contributions have been recognized through prestigious accolades, including being named a '2023 Woman of Influence' by HousingWire, a '2023 Mortgage Lending Woman of Inspiration' by National Mortgage Professional, and receiving a Globee® Women in Business Award. Jennifer Vallinayagam's innovative spirit and leadership have not only shaped Sun West's technological landscape but have also positioned her as a prominent figure in the mortgage industry.Gurpreet (David) PahwaHead of Capital Markets at Sun WestGurpreet Pahwa, also known as David, is a seasoned professional who joined Sun West in 2008. With a wealth of experience and expertise in the financial industry, David currently holds the position of Head of Capital Markets at Sun West. His strategic vision and in-depth knowledge have been instrumental in driving Sun West's success in the dynamic world of capital markets. David's leadership and analytical skills have played a crucial role in optimizing Sun West's investment strategies and ensuring the company's financial stability and growth. His commitment to excellence and innovative approach have earned him a reputation as a trusted leader in the field of capital markets.Fox News, Yahoo!, and Bloomberg are registered trademarks of Fox Media LLC, Yahoo Inc., and Bloomberg Finance One L.P., respectively.Sun West Mortgage Company, Inc. is acting as the Lender and offers financing to qualified borrowers. Sun West Mortgage Company, Inc is not affiliated with any third parties mentioned above. The names are owned by the respective third parties.

Is the Ai bubble bursting—or simply recalibrating? In this episode of The Pavan Perspective, David Lykken and Pavan Agarwal break down a major Massachusetts Institute of Technology (MIT) Sloan report on Agentic Ai and what it means for the mortgage industry and beyond. We talk through why Ai Return on Investment (ROI) may take longer than the hype suggests, the danger of confusing tools like general Large Language Models (LLMs) with a real Ai strategy, and the organizational “trap” of building critical workflows on subsidized platforms. You’ll also hear why “scattered experiments” need to become strategic bets, how first-principles thinking separates winners from noise, and why Zero UI / conversational Ai is already reshaping the way lenders and loan officers work.Speaker InformationPavan AgarwalCEO of Sun West and Creator of AngelAiTMPavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence, which harnesses the best of Artificial Intelligence and Emphatic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success. Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo!, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).David LykkenFounder and Chief Transformation Officer | Executive Coach and Business Strategy ConsultantTransformational Mortgage Solutions, LLCDavid Lykken is a seasoned mortgage industry expert with over four decades of experience. As a former owner-operator of three mortgage banking companies, a software firm, and several leading consulting businesses, David has a proven track record of driving growth through consulting, executive coaching, and strategic communications. He specializes in working with C-level executives and business owners to develop business strategies, enhance sales and marketing efforts, and streamline operations for greater efficiency and profitability. David is a regular guest on FOX Business News and CNBC and hosts the popular weekly podcast, "Lykken on Lending," which attracts thousands of mortgage professionals nationwide. He also produces the daily market commentary, "Today’s Mortgage Minute," which reaches millions of viewers through various media outlets. In addition, David is a prolific writer, contributing articles to leading industry publications on a regular basis.Fox News, Yahoo!, Bloomberg, and CNBC are registered trademarks of Fox Media LLC, Yahoo Inc., Bloomberg Finance One L.P., and NBCUniversal Media, LLC, respectively.Sun West Mortgage Company, Inc. is acting as the Lender and offers financing to qualified borrowers. Sun West Mortgage Company, Inc is not affiliated with any third parties mentioned above. The names are owned by the respective third parties.

In this episode of The Pavan Perspective, Pooya Mohit and Pavan Agarwal explore why financial services and real estate require a fundamentally different kind of Ai. The conversation dives into transactional Ai, accuracy and traceability in high-stakes decisions, data ownership, and how Ai and blockchain together can support mortgages, real estate workflows, and personal financial management without relying on generic chat models. This episode is a thoughtful look at where Ai is headed in lending and real estate—and what professionals should understand as the industry moves toward greater automation, speed, and accountability. - -Speaker InformationPavan AgarwalCEO of Sun West and Creator of AngelAiPavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence, which harnesses the best of Artificial Intelligence and Emphatic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success. Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo!, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).Pooya MohitOwner of MYFRND MarketingPooya Mohit, based in Norfolk, VA, U.S., is currently the owner of MYFRND Marketing. Pooya Mohit brings experience from previous roles at Bluewater Building Company, VOOV - Your Top Virtual Assistant Partner, and Atlantic Sotheby's International Realty and Rocket Commercial. He has a robust skill set that includes Business Consultation/ Sales, Business Marketing, Commercial Sales & Leasing, Franchising, Real Estate and more. His diversified experience, professionalism, creativity, and exceptional problem-solving abilities make him an invaluable asset for clients. As a Norfolk native and graduate of Old Dominion University, Pooya spends his free time with family, friends, and serving his community.Fox News, Yahoo!, Bloomberg, and CNBC are registered trademarks of Fox Media LLC, Yahoo Inc., Bloomberg Finance One L.P., and NBCUniversal Media, LLC, respectively.Sun West Mortgage Company, Inc. is acting as the Lender and offers financing to qualified borrowers. Sun West Mortgage Company, Inc is not affiliated with any third parties mentioned above. The names are owned by the respective third parties.

Ai is everywhere in mortgage lending—but is it actually working? In this episode of The Pavan Perspective, Pavan Agarwal joins David Lykken to expose why most mortgage Ai initiatives fail, and why patient capital, deep technical understanding, and true intellectual property matter more than hype. Learn what it really takes to replace the traditional mortgage tech stack. This conversation pulls back the curtain on the future of Ai-driven lending—and what mortgage leaders must understand before it’s too late.Speaker InformationPavan AgarwalCEO of Sun West and Creator of AngelAiPavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence, which harnesses the best of Artificial Intelligence and Emphatic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success. Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo!, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).David LykkenFounder and Chief Transformation Officer | Executive Coach and Business Strategy ConsultantTransformational Mortgage Solutions, LLCDavid Lykken is a seasoned mortgage industry expert with over four decades of experience. As a former owner-operator of three mortgage banking companies, a software firm, and several leading consulting businesses, David has a proven track record of driving growth through consulting, executive coaching, and strategic communications. He specializes in working with C-level executives and business owners to develop business strategies, enhance sales and marketing efforts, and streamline operations for greater efficiency and profitability. David is a regular guest on FOX Business News and CNBC and hosts the popular weekly podcast, "Lykken on Lending," which attracts thousands of mortgage professionals nationwide. He also produces the daily market commentary, "Today’s Mortgage Minute," which reaches millions of viewers through various media outlets. In addition, David is a prolific writer, contributing articles to leading industry publications on a regular basis.Fox News, Yahoo!, Bloomberg, CNBC, OpenAI, Google, and NVIDIA are registered trademarks of Fox Media LLC, Yahoo Inc., Bloomberg Finance One L.P., NBCUniversal Media, LLC, OpenAI OpCo, LLC, Google LLC, and NVIDIA Corporation, respectively.Sun West Mortgage Company, Inc. is acting as the Lender and offers financing to qualified borrowers. Sun West Mortgage Company, Inc is not affiliated with any third parties mentioned above. The names are owned by the respective third parties.

Can artificial intelligence be trusted with high-stakes decisions? In this episode of The Pavan Perspective, Pavan Agarwal sits down with David Lykken for a powerful deep dive into the future of human–machine teaming and augmented intelligence. This conversation explores why Ai should augment human decision-making — not replace it. It also reveals how AngelAi’sTM Transactional Language Model (TLM) is reshaping financial services.Speaker InformationPavan AgarwalCEO of Sun West and Creator of AngelAiPavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence, which harnesses the best of Artificial Intelligence and Emphatic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success. Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo!, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).David LykkenFounder and Chief Transformation Officer | Executive Coach and Business Strategy ConsultantTransformational Mortgage Solutions, LLCDavid Lykken is a seasoned mortgage industry expert with over four decades of experience. As a former owner-operator of three mortgage banking companies, a software firm, and several leading consulting businesses, David has a proven track record of driving growth through consulting, executive coaching, and strategic communications. He specializes in working with C-level executives and business owners to develop business strategies, enhance sales and marketing efforts, and streamline operations for greater efficiency and profitability. David is a regular guest on FOX Business News and CNBC and hosts the popular weekly podcast, "Lykken on Lending," which attracts thousands of mortgage professionals nationwide. He also produces the daily market commentary, "Today’s Mortgage Minute," which reaches millions of viewers through various media outlets. In addition, David is a prolific writer, contributing articles to leading industry publications on a regular basis.Fox News, Yahoo!, Bloomberg, and CNBC are registered trademarks of Fox Media LLC, Yahoo Inc., Bloomberg Finance One L.P., and NBCUniversal Media, LLC, respectively.Sun West Mortgage Company, Inc. is acting as the Lender and offers financing to qualified borrowers. Sun West Mortgage Company, Inc is not affiliated with any third parties mentioned above. The names are owned by the respective third parties.

The crypto industry is entering its most important era yet. In this powerful episode of The Pavan Perspective, Pavan Agarwal (Creator of AngelAiTM) and Roshan Robert (CEO of OKX U.S.) discuss how new U.S. crypto regulations are unlocking institutional adoption, tokenization of real-world assets, and what the future of crypto looks like.Speaker InformationPavan AgarwalCEO of Sun West and Creator of AngelAiPavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence, which harnesses the best of Artificial Intelligence and Emphatic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success. Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo!, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).Roshan Robert CEO | OKX U.S.Roshan Robert is a financial services executive with substantial experience in traditional capital markets as well as crypto. Having worked at Morgan Stanley, Pricewaterhouse Coopers, Barclays, Hiddenroad and CLST, Roshan has focused on Risk Management, Regulatory Strategy and Product Strategy throughout his career. Roshan played a key role in the implementation of Dodd Frank regulations across the derivatives business at Barclays. He took on a leadership role in implementing regulatory strategy for the Barclays FCM as well as took active part in important strategic initiatives like the reengineering of the derivatives business treasury processes and the creation of a derivatives utility. Roshan was also part of the founding team at Hiddenroad, leading the organization as the Group COO / CCO for over 4 years and helping to build a non-bank prime brokerage business straddling Tradfi and crypto. He was also a co-founder at CLST, a credit deployment hub for digital markets and spent time as an advisor to foreign banks entering US capital markets, prior to joining OKX as the U.S. CEO in September 2024.Fox News, Yahoo!, Bloomberg,CNBC, Globee® are registered trademarks of Fox Media LLC, Yahoo Inc., Bloomberg Finance One L.P., NBCUniversal Media, LLC, and Silicon Valley Communications, LLC, respectively.Sun West Mortgage Company, Inc. is acting as the Lender and offers financing to qualified borrowers. Sun West Mortgage Company, Inc is not affiliated with any third parties mentioned above. The names are owned by the respective third parties.

In this episode of The Pavan Perspective, we explore how AngelAiTM is transforming the mortgage industry by allowing loan officers and brokers to scale instantly without burning cash. We also learn how AngelAi is automating time-consuming processes like underwriting scenarios, marketing, lead prospecting, credit boost, and more.Speaker InformationAngel SumlinManaging Director of Organizational Development at Sun WestAs the Managing Director of Organizational Development at Sun West, Angel leads and supports the assessment of organizational needs as well as the creation, implementation, and evaluation of programs that assist the company's employees in their continuing career advancement. She also serves as a liaison and an advisor to the organization's leadership, facilitating initiatives across the board. Angel's foundational expertise is in Learning and Development, with demonstrated success in the financial services industry. She has a Master of Business Administration degree from the University of La Verne, California, and is a Certified Professional in Talent Development (CPTD), skilled in coaching, sales, communications, instructional design, team development, and project management.Jennifer Vallinayagam Chief Operating Officer at Sun WestJennifer Vallinayagam, as the Chief Operating Officer (COO) of Sun West, has a remarkable background in software engineering and computer programming. She joined Sun West in 1999 and played a pivotal role in the development of the Mortgage Loan Origination System, now known as SunSoft®/SMILES™. This software has been crucial to Sun West's origination and servicing operations and continues to be a cornerstone of their processes. Jennifer's dedication, hard work, and strategic mindset led to her appointment as COO.Her outstanding contributions have been recognized through prestigious accolades, including being named a '2023 Woman of Influence' by HousingWire, a '2023 Mortgage Lending Woman of Inspiration' by National Mortgage Professional, and receiving a Globee® Women in Business Award. Jennifer Vallinayagam's innovative spirit and leadership have not only shaped Sun West's technological landscape but have also positioned her as a prominent figure in the mortgage industry.Fox News, Yahoo!, Bloomberg,CNBC, Globee® are registered trademarks of Fox Media LLC, Yahoo Inc., Bloomberg Finance One L.P., NBCUniversal Media, LLC, and Silicon Valley Communications, LLC, respectively.Sun West Mortgage Company, Inc. is acting as the Lender and offers financing to qualified borrowers. Sun West Mortgage Company, Inc is not affiliated with any third parties mentioned above. The names are owned by the respective third parties.

Puerto Rico is emerging as a global hub for Ai, blockchain, and innovation. In this episode of The Pavan Perspective, Pavan Agarwal sits down with Alberto Bacó Bagué to explain how Puerto Rico is becoming the Silicon Island - a global epicenter for Ai, blockchain, venture capital, and creative talent. This is a must-watch for entrepreneurs, investors, technologists, and policymakers shaping the future of global innovation.Speaker InformationPavan AgarwalCEO of Sun West and Creator of AngelAiTMPavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence, which harnesses the best of Artificial Intelligence and Emphatic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success.Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo!, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).Alberto Bacó BaguéFormer Secretary of Economic Development and Commerce of Puerto RicoAlberto Bacó Bagué is an attorney, Certified Public Accountant (CPA), and entrepreneur, with a successful career in company turnarounds, restructuring and senior management, in both public and private sectors. He is held in high regard for being a natural connector between influencers and opportunities; a business catalyst, developer, board member, private equity fund manager, and most recently an economic development educator/promotor. He has also been recognized for his public speaking skills, which have permitted him to participate in important business forums around the world.He has held several leadership positions, as President of the Economic Development Bank, CEO of Marvel and Bohío International, and Board seats in W Holdings, Assurant P.R., the Government Development Bank, among others. In 2013, he was appointed Secretary of Economic Development and Commerce by the Governor of Puerto Rico, and in 2016, he also assumed responsibilities as Chairman and President of the Government Development Bank for Puerto Rico.

What does it take to become a six-time world boxing champion? In this powerful episode of The Pavan Perspective, host Pavan sits down with Yokasta Valle, one of the most dominant female boxers in the world today. Yokasta shares her rise to six world titles, her intense training routine, and the championship mindset. This episode is a masterclass in resilience, consistency, and belief — whether you’re an athlete, entrepreneur, or anyone chasing greatness.- - -Speaker InformationPavan AgarwalCEO of Sun West and Creator of AngelAiPavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence, which harnesses the best of Artificial Intelligence and Emphatic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success. Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).Yokasta Valle6x World Boxing ChampionYokasta Valle is a Nicaraguan-born, Costa Rica–based three-division world boxing champion and one of the most dominant figures in women’s boxing today.Born on August 28, 1992, in Matagalpa, Nicaragua, Valle moved to Costa Rica at a young age and began boxing at just 13 years old, inspired by her father. Renowned for her elite speed and relentless punch volume, Valle captured her first world title in 2016 and has since gone on to win multiple world championships across atomweight, minimumweight, and light flyweight divisions. Her résumé includes prestigious titles such as the IBF Atomweight Championship, unified IBF/WBO titles, and the WBC Strawweight World Championship.Beyond the ring, Yokasta Valle is a powerful advocate for women’s boxing. In 2021, she was named IBF Female Fighter of the Year and later recognized as a United Nations Champion (Costa Rica), honoring her impact as a role model for young athletes. Through discipline, resilience, and an unbreakable mindset, Yokasta Valle has not only built a championship legacy but has also helped transform the visibility and respect of women’s boxing in Costa Rica and beyond

Why do top-producing loan officers resist Ai — even when it promises massive growth? In this episode of The Pavan Perspective, Pavan Agarwal (Creator of AngelAiTM) and David Lykken (Host of Lykken on Lending) deep dive into Ai adoption in the mortgage industry. This conversation is packed with real-world insights and the latest in mortgage innovation for loan officers, mortgage professionals, and fintech innovators. - -Speaker InformationPavan AgarwalCEO of Sun West and Creator of AngelAiPavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence, which harnesses the best of Artificial Intelligence and Emphatic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success. Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).David LykkenFounder and Chief Transformation Officer | Executive Coach and Business Strategy ConsultantTransformational Mortgage Solutions, LLCDavid Lykken is a seasoned mortgage industry expert with over four decades of experience. As a former owner-operator of three mortgage banking companies, a software firm, and several leading consulting businesses, David has a proven track record of driving growth through consulting, executive coaching, and strategic communications. He specializes in working with C-level executives and business owners to develop business strategies, enhance sales and marketing efforts, and streamline operations for greater efficiency and profitability. David is a regular guest on FOX Business News and CNBC and hosts the popular weekly podcast, "Lykken on Lending," which attracts thousands of mortgage professionals nationwide. He also produces the daily market commentary, "Today’s Mortgage Minute," which reaches millions of viewers through various media outlets. In addition, David is a prolific writer, contributing articles to leading industry publications on a regular basis.Sun West Mortgage Company, Inc. is acting as the Lender and offers financing to qualified borrowers. Sun West Mortgage Company, Inc is not affiliated with any third parties mentioned above. The names are owned by the respective third parties.

Is the Ai bubble the Big Short 2.0? Pavan Agarwal and David Lykken break down the controversial analysis showing tech giants have overestimated earnings. They explore why America's data center boom changes everything and why long-term outlook remains bullish, plus how Ai is revolutionizing the mortgage industry by crushing loan costs. This conversation delivers the insights you need to navigate the Ai market with confidence.Speaker InformationPavan AgarwalCEO of Sun West and Creator of AngelAiPavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence, which harnesses the best of Artificial Intelligence and Emphatic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success. Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).David LykkenFounder and Chief Transformation Officer | Executive Coach and Business Strategy ConsultantTransformational Mortgage Solutions, LLCDavid Lykken is a seasoned mortgage industry expert with over four decades of experience. As a former owner-operator of three mortgage banking companies, a software firm, and several leading consulting businesses, David has a proven track record of driving growth through consulting, executive coaching, and strategic communications. He specializes in working with C-level executives and business owners to develop business strategies, enhance sales and marketing efforts, and streamline operations for greater efficiency and profitability. David is a regular guest on FOX Business News and CNBC and hosts the popular weekly podcast, "Lykken on Lending," which attracts thousands of mortgage professionals nationwide. He also produces the daily market commentary, "Today’s Mortgage Minute," which reaches millions of viewers through various media outlets. In addition, David is a prolific writer, contributing articles to leading industry publications on a regular basis.Sun West Mortgage Company, Inc. is acting as the Lender and offers financing to qualified borrowers. Sun West Mortgage Company, Inc is not affiliated with any third parties mentioned above. The names are owned by the respective third parties.

Is the Ai bubble the Big Short 2.0? Pavan Agarwal and David Lykken break down the controversial analysis showing tech giants have overestimated earnings. They explore why America's data center boom changes everything and why long-term outlook remains bullish, plus how Ai is revolutionizing the mortgage industry by crushing loan costs. This conversation delivers the insights you need to navigate the Ai market with confidence.Speaker InformationPavan AgarwalCEO of Sun West and Creator of AngelAiPavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence, which harnesses the best of Artificial Intelligence and Emphatic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success. Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).David LykkenFounder and Chief Transformation Officer | Executive Coach and Business Strategy ConsultantTransformational Mortgage Solutions, LLCDavid Lykken is a seasoned mortgage industry expert with over four decades of experience. As a former owner-operator of three mortgage banking companies, a software firm, and several leading consulting businesses, David has a proven track record of driving growth through consulting, executive coaching, and strategic communications. He specializes in working with C-level executives and business owners to develop business strategies, enhance sales and marketing efforts, and streamline operations for greater efficiency and profitability. David is a regular guest on FOX Business News and CNBC and hosts the popular weekly podcast, "Lykken on Lending," which attracts thousands of mortgage professionals nationwide. He also produces the daily market commentary, "Today’s Mortgage Minute," which reaches millions of viewers through various media outlets. In addition, David is a prolific writer, contributing articles to leading industry publications on a regular basis.Sun West Mortgage Company, Inc. is acting as the Lender and offers financing to qualified borrowers. Sun West Mortgage Company, Inc is not affiliated with any third parties mentioned above. The names are owned by the respective third parties.

In this episode of The Pavan Perspective, David Lykken and Pavan Agarwal unpack how AngelAi became one of the most valuable IP portfolios in fintech. This is the episode every founder, tech leader, investor, Ai enthusiast, and mortgage / real estate professional needs to hear.Speaker InformationPavan AgarwalCEO of Sun West and Creator of AngelAiPavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence, which harnesses the best of Artificial Intelligence and Emphatic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success. Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).David LykkenFounder and Chief Transformation Officer | Executive Coach and Business Strategy ConsultantTransformational Mortgage Solutions, LLCDavid Lykken is a seasoned mortgage industry expert with over four decades of experience. As a former owner-operator of three mortgage banking companies, a software firm, and several leading consulting businesses, David has a proven track record of driving growth through consulting, executive coaching, and strategic communications. He specializes in working with C-level executives and business owners to develop business strategies, enhance sales and marketing efforts, and streamline operations for greater efficiency and profitability. David is a regular guest on FOX Business News and CNBC and hosts the popular weekly podcast, "Lykken on Lending," which attracts thousands of mortgage professionals nationwide. He also produces the daily market commentary, "Today’s Mortgage Minute," which reaches millions of viewers through various media outlets. In addition, David is a prolific writer, contributing articles to leading industry publications on a regular basis.Sun West Mortgage Company, Inc. is acting as the Lender and offers financing to qualified borrowers. Sun West Mortgage Company, Inc is not affiliated with any third parties mentioned above. The names are owned by the respective third parties.

Join Pavan Agarwal and David Lykken in this powerful episode of The Pavan Perspective as they break down the groundbreaking shifts transforming finance and real estate—from the rise of tokenized real estate equity and Ai Twins revolutionizing communication, to how AngelAi is redefining wealth management, taxes, lending, and long-term financial wellness. Packed with insights on blockchain innovation, and the future of mortgage lending, this conversation delivers a clear look into the technologies reshaping our financial lives.Speaker InformationPavan AgarwalCEO of Sun West and Creator of AngelAiPavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence, which harnesses the best of Artificial Intelligence and Emphatic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success. Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).David LykkenFounder and Chief Transformation Officer | Executive Coach and Business Strategy ConsultantTransformational Mortgage Solutions, LLCDavid Lykken is a seasoned mortgage industry expert with over four decades of experience. As a former owner-operator of three mortgage banking companies, a software firm, and several leading consulting businesses, David has a proven track record of driving growth through consulting, executive coaching, and strategic communications. He specializes in working with C-level executives and business owners to develop business strategies, enhance sales and marketing efforts, and streamline operations for greater efficiency and profitability. David is a regular guest on FOX Business News and CNBC and hosts the popular weekly podcast, "Lykken on Lending," which attracts thousands of mortgage professionals nationwide. He also produces the daily market commentary, "Today’s Mortgage Minute," which reaches millions of viewers through various media outlets. In addition, David is a prolific writer, contributing articles to leading industry publications on a regular basis.Sun West Mortgage Company, Inc. is acting as the Lender and offers financing to qualified borrowers. Sun West Mortgage Company, Inc is not affiliated with any third parties mentioned above. The names are owned by the respective third parties.

Join Pavan Agarwal (Creator of AngelAi) and David Lykken (host of Lykken on Lending) as they explore how Ai and blockchain are reshaping the mortgage industry. From chat-based Ai to global trends in digital banking, they dive into the future of finance and why Saudi Arabia is leading the charge in Ai-powered banking. Tune in for insights on the technologies transforming home buying, compliance, and beyond! - -Speaker InformationPavan AgarwalCEO of Sun West and Creator of AngelAiPavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence, which harnesses the best of Artificial Intelligence and Emphatic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success. Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).David LykkenFounder & Chief Transformation Officer | Executive Coach & Business Strategy ConsultantTransformational Mortgage Solutions, LLCDavid Lykken is a seasoned mortgage industry expert with over four decades of experience. As a former owner-operator of three mortgage banking companies, a software firm, and several leading consulting businesses, David has a proven track record of driving growth through consulting, executive coaching, and strategic communications. He specializes in working with C-level executives and business owners to develop business strategies, enhance sales and marketing efforts, and streamline operations for greater efficiency and profitability. David is a regular guest on FOX Business News and CNBC and hosts the popular weekly podcast, "Lykken on Lending," which attracts thousands of mortgage professionals nationwide. He also produces the daily market commentary, "Today’s Mortgage Minute," which reaches millions of viewers through various media outlets. In addition, David is a prolific writer, contributing articles to leading industry publications on a regular basis.Sun West Mortgage Company, Inc. is acting as the Lender and offers financing to qualified borrowers. Sun West Mortgage Company, Inc is not affiliated with any third parties mentioned above. The names are owned by the respective third parties.

In this explosive episode of The Pavan Perspective, Pavan Agarwal sits down with Wesley Paul to discuss ending bias in lending, crashing banking barriers, and putting financial power back in consumers’ hands. From arriving in America with just $100 to building a billion-dollar mortgage empire, Pavan’s journey is pure blueprint material — equal parts rebellion, brilliance, and hard truth.Speaker InformationPavan AgarwalCEO of Sun West and Creator of AngelAiPavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence, which harnesses the best of Artificial Intelligence and Emphatic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success. Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).Wesley PaulHost of Respect My Blueprint PodcastFounder and CEO of Uptrend CreditWesley Paul “The Blueprint Mastermind” is best known for giving value. Wesley has achieved great success in business and is a powerful Influencer. As the Founder and CEO of Uptrend Credit, a fintech company focused on helping people understand and build credit, Wes is continually striving to empower and educate communities and makes it his life's work to give people the blueprint they need to achieve a better future.Wes is a charismatic, authentic, and an energetic leader who is deeply committed to assisting others in achieving their blueprint. In point of fact, he established the Respect My Blueprint podcast with the intention of assisting others in achieving success in both life and business. Wes is providing nuggets of wisdom on a wide variety of subjects that educate, inspire, and bring about tangible outcomes.Wes's insights are explosive tactics that you can use to level up and remove everything that is preventing you from achieving success. Get exclusive information, success techniques based on real-life experiences, and stories from successful individuals by listening to the Respect My Blueprint podcast.Sun West Mortgage Company, Inc. is acting as the Lender and offers financing to qualified borrowers. Sun West Mortgage Company, Inc. is not affiliated with any third parties mentioned above. The names are owned by the respective third parties.

David Lykken and Pavan Agarwal reveal the dangers of relying on generic Ai tools in mortgage lending. They explain why general Ai solutions can hurt your business and why Ai accuracy is crucial in lending. Learn how AngelAi’s specialized approach is transforming underwriting and giving lenders the edge over traditional Ai.- - -Speaker InformationPavan AgarwalCEO of Sun West and Creator of AngelAiPavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence, which harnesses the best of Artificial Intelligence and Emphatic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success. Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).David LykkenFounder & Chief Transformation Officer | Executive Coach & Business Strategy ConsultantTransformational Mortgage Solutions, LLCDavid Lykken is a seasoned mortgage industry expert with over four decades of experience. As a former owner-operator of three mortgage banking companies, a software firm, and several leading consulting businesses, David has a proven track record of driving growth through consulting, executive coaching, and strategic communications. He specializes in working with C-level executives and business owners to develop business strategies, enhance sales and marketing efforts, and streamline operations for greater efficiency and profitability. David is a regular guest on FOX Business News and CNBC and hosts the popular weekly podcast, "Lykken on Lending," which attracts thousands of mortgage professionals nationwide. He also produces the daily market commentary, "Today’s Mortgage Minute," which reaches millions of viewers through various media outlets. In addition, David is a prolific writer, contributing articles to leading industry publications on a regular basis.Sun West Mortgage Company, Inc. is acting as the Lender and offers financing to qualified borrowers. Sun West Mortgage Company, Inc is not affiliated with any third parties mentioned above. The names are owned by the respective third parties.Nothing Is Beyond Reach™ 👉 AngelAi.comSun West Mortgage Company, Inc. is not affiliated with any third parties mentioned in the video. The names are owned by the respective third parties.

What if Ai could manage your finances? In this episode of The Pavan Perspective, Pavan Agarwal sits down with Chris Champion to reveal how AngelAi, valued at over $119 billion and trusted by 250,000+ users, is rewriting the rules of modern finance. From building Ai to creating a fully decentralized financial ecosystem, this conversation dives deep into innovation, entrepreneurship, and the future of money. Tune in now to discover how AngelAi is reshaping the way the world banks—and why this could be the biggest shift in fintech history.Pavan AgarwalCEO of Sun West and Creator of AngelAiPavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence, which harnesses the best of Artificial Intelligence and Emphatic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success. Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).Chris ChampionInvestor | Podcaster | Master Connector | Founder - Champion AiChris Champion is a lifelong entrepreneur and the voice behind Chopping It Up with Chris Champion, a podcast where candid conversations meet ambitious ideas. He has invested in over 143 companies throughout his career. As the founder of Champion Media Group, Champion Capital, and Champion Ai, Chris empowers entrepreneurs, creators, and leaders to elevate their influence through cutting-edge Ai technology and high-impact networking. His flagship platform, Champion Ai, delivers over 40,000 man-hours of tailored podcast outreach daily, boasting a database of 3.97 million verified podcaster emails and a proven track record of over 600 successful podcast interviews with a 27% average response rate. Deeply committed to the entrepreneurial journey, Chris champions innovation, faith, and meaningful connections. Through events like Podcasters Summit LIVE and a network of thousands of creators and thought leaders, Chris continues to unlock new opportunities for people to share their stories and make a lasting impact.Sun West Mortgage Company, Inc. is acting as the Lender and offers financing to qualified borrowers. Sun West Mortgage Company, Inc. is not affiliated with any third parties mentioned above. The names are owned by the respective third parties.Nothing Is Beyond Reach™ 👉 AngelAi.comSun West Mortgage Company, Inc. is not affiliated with any third parties mentioned in the video. The names are owned by the respective third parties.

In this episode of The Pavan Perspective, brand architect Andrew McLean (Inventus Media) teams up with David Lykken (Lykken on Lending) to unpack how AngelAi turned empathetic Ai, radical simplicity, and design thinking into a trusted fintech and mortgage brand—recognized by Fast Company’s Innovation by Design.Speaker InformationDavid LykkenFounder & Chief Transformation Officer | Executive Coach & Business Strategy ConsultantTransformational Mortgage Solutions, LLCDavid Lykken is a seasoned mortgage industry expert with over four decades of experience. As a former owner-operator of three mortgage banking companies, a software firm, and several leading consulting businesses, David has a proven track record of driving growth through consulting, executive coaching, and strategic communications. He specializes in working with C-level executives and business owners to develop business strategies, enhance sales and marketing efforts, and streamline operations for greater efficiency and profitability. David is a regular guest on FOX Business News and CNBC and hosts the popular weekly podcast, "Lykken on Lending," which attracts thousands of mortgage professionals nationwide. He also produces the daily market commentary, "Today’s Mortgage Minute," which reaches millions of viewers through various media outlets. In addition, David is a prolific writer, contributing articles to leading industry publications on a regular basis.Andrew McLeanPrincipal & Managing Partner, Inventus MediaAndrew McLean is the Principal and Managing Partner at Inventus Media, an independent advertising, marketing planning, publicity, media buying, and strategy company based in New York. With over 25 years of experience, he has held significant leadership roles at major agencies and corporations such as WPP, Omnicom, Disney, and others. His career started in publishing, quickly rising in the advertising field where he managed major accounts including Procter & Gamble, Burger King, and Disney's blockbuster film campaigns. He moved to the U.S. in 2000, contributing to the growth of GroupM and later managing media operations at Omnicom's PHD. Founded Inventus Media in 2012, he now focuses on performance-driven marketing strategies for clients across healthcare, financial services, retail, and entertainment sectors. Andrew has global experience, having worked and lived in multiple countries, and serves on various digital and advertising boards.​Andrew’s leadership ethos, "Ready, set, grow," reflects his emphasis on rapid execution and measurable growth in today’s dynamic business environment. His extensive background in media strategy and client relationship management positions him as a prominent figure in the advertising and media consulting space.​Sun West Mortgage Company, Inc. is acting as the Lender and offers financing to qualified borrowers. Sun West Mortgage Company, Inc is not affiliated with any third parties mentioned above. The names are owned by the respective third parties.Nothing Is Beyond Reach™ 👉 AngelAi.comSun West Mortgage Company, Inc. is not affiliated with any third parties mentioned in the video. The names are owned by the respective third parties.

Ai is reshaping the way we live, work, and lend—but how close are we to truly autonomous Ai systems? Join Pavan Agarwal and David Lykken as they dive into the harsh truths about Agentic Ai and how AngelAi is combining human intelligence + Ai for smarter, safer lending.Pavan AgarwalCEO of Sun West and Creator of AngelAiPavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence, which harnesses the best of Artificial Intelligence and Emphatic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success. Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).David LykkenFounder and Chief Transformation Officer | Executive Coach and Business Strategy ConsultantTransformational Mortgage Solutions, LLCDavid Lykken is a seasoned mortgage industry expert with over four decades of experience. As a former owner-operator of three mortgage banking companies, a software firm, and several leading consulting businesses, David has a proven track record of driving growth through consulting, executive coaching, and strategic communications. He specializes in working with C-level executives and business owners to develop business strategies, enhance sales and marketing efforts, and streamline operations for greater efficiency and profitability. David is a regular guest on FOX Business News and CNBC and hosts the popular weekly podcast, "Lykken on Lending," which attracts thousands of mortgage professionals nationwide. He also produces the daily market commentary, "Today’s Mortgage Minute," which reaches millions of viewers through various media outlets. In addition, David is a prolific writer, contributing articles to leading industry publications on a regular basis.Sun West Mortgage Company, Inc. is acting as the Lender and offers financing to qualified borrowers. Sun West Mortgage Company, Inc is not affiliated with any third parties mentioned above. The names are owned by the respective third parties.Nothing Is Beyond Reach™ 👉 AngelAi.comSun West Mortgage Company, Inc. is not affiliated with any third parties mentioned in the video. The names are owned by the respective third parties.