The Pavan Perspective

Pavan Agarwal

5.0 (1)
Entrepreneurship
Updated Weekly

Listen as Celligence CEO Pavan Agarwal, a leader in multiple industries from mortgage banking to artificial intelligence, interviews other business leaders and shares his insights and advice for budding entrepreneurs beginning their journey.

12h ago

Every Home Sale Will Be On Blockchain

In this episode of The Pavan Perspective, Pavan Agarwal and David Lykken explore how Artificial Intelligence and Blockchain technology are transforming the future of mortgage lending, real estate, and financial services. From blockchain-powered property records and tokenized mortgage approvals to digital identities, AI underwriting, and consumer-owned financial data, this conversation explores how emerging technologies can create a more transparent, secure, and efficient financial ecosystem. Discover how AI and blockchain are working together to redefine trust, eliminate inefficiencies, empower loan officers, and shape the next generation of mortgage innovation. Tune in to understand why the future of finance will be built around automation, ownership, and technology-driven transparency.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 LykkenLykken on LendingDavid 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.
Sep 30

Transform Your Mortgage Operations

Artificial Intelligence is changing the way the mortgage industry operates. In this episode of The Pavan Perspective, Suresh Choudhary and Lukas Rosenblum discuss how AI-powered solutions are helping mortgage professionals automate workflows, improve accuracy, generate leads, streamline underwriting, and scale their businesses. From Suresh’s inspiring journey of persistence and growth to the impact of AngelAi®, this conversation explores the future of lending and how technology is empowering loan officers, brokers, and real estate professionals to deliver quicker, smarter, and more reliable experiences. Discover why purpose-built AI is becoming a critical advantage in the modern mortgage landscape.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).Lukas RosenblumNMLS 196011Chief Client OfficerLukas Rosenblum is the Chief Client Officer at Sun West, 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.Suresh ChoudharyNMLS 1574532SVP - National ProductionWith over twenty years in the mortgage industry, Suresh is a well-respected mortgage leader. He has a deep understanding of mortgage operations and is skilled in training and guiding teams to achieve excellent performance.Suresh’s knowledge of the mortgage field has helped him succeed in a constantly changing industry. He is experienced in various areas, including loan processing and customer service, which has helped him improve efficiency and maintain high standards.Recently, Suresh has focused on the potential of AngelAi. He sees how AI can improve decision-making, workflows, and customer experiences. He is committed to teaching mortgage professionals about AngelAi through seminars, workshops, and personal coaching, showing them how to use AI to boost productivity.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.
Sep 23

AI Agents - A Game Changer for Real Estate and Mortgage

AI is evolving beyond chatbots. In this episode of The Pavan Perspective, Pavan Agarwal, Jennifer Vallinayagam, and David Lykken explore how Angel Agents can help professionals plan their day, research, generate, and prospect leads, create content, set reminders, take notes, and improve productivity. Discover how these AI Agents are designed to be simple, scalable, and free to use — giving loan officers, entrepreneurs, and businesses access to a powerful AI workforce without a complicated setup. 🤖⚡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).Jennifer Vallinayagam Chief Operating Officer | Sun West Mortgage Company, Inc.Jennifer 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 LykkenLykken on LendingDavid 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, and 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.
Sep 17

Will AI Make Your LOS Obsolete?

Are autonomous AI agents about to make traditional software obsolete? In this episode of The Pavan Perspective, Pavan Agarwal and David Lykken discuss insights from Ai4 2026 and examine how AI agents are changing enterprise software, mortgage lending and the future of work. Discover why businesses are moving from software that helps people complete tasks to AI agents that can execute complex workflows, why trust and accountability are becoming critical in artificial intelligence, and why AI adoption must be treated as a CEO-level strategy. The conversation also explores fair lending, trusted AI, the disruption of the SaaS and loan origination system models, and how professionals can adapt their skills to compete in an AI-first economy. Speaker Information Pavan Agarwal Founder/CEO of Celligence LLC, 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 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 Lykken Founder and Chief Transformation Officer | Executive Coach and Business Strategy Consultant | Transformational Mortgage Solutions, LLC David 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.
Sep 9

Your Next Hire Is an AI Agent

AI agents are reshaping the future of work. In this episode of The Pavan Perspective, Pavan Agarwal and David Lykken discuss the rise of AI agents, AngelAi’s agent ecosystem, and enterprise data strategy. Pavan also explains why organizations must move beyond fragmented AI tools, how businesses can unlock the value hidden within their proprietary data, and why careful planning is more powerful than reacting to AI FOMO. Watch this insightful conversation to discover how agentic AI, business automation and next-generation lending technology could transform everyday work and redefine competitive advantage.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, 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.
Sep 2

Why Do Most AI Implementations Fail?

What separates a real AI strategy from simply using AI tools? In this episode of The Pavan Perspective, Pavan Agarwal, David Lykken, and Jennifer Vallinayagam discuss why enterprise-grade AI requires much more than a Large Language Model (LLM). Learn how AngelAi® is transforming mortgage lending by reducing costs, improving accuracy, minimizing bias, and expanding access to credit worldwide. They explore enterprise AI, digital transformation, machine learning, FinTech innovation, responsible AI, and why purpose-built AI outperforms generic AI tools. Discover how AngelAi leverages Proprietary AI (PropAI), warranted intelligence, human-in-the-loop collaboration, and intelligent workflow automation to reshape the future of financial services. Subscribe for more conversations on AI, leadership, innovation, and the technologies shaping tomorrow. Speaker Information Pavan Agarwal Founder/CEO of Celligence LLC, Creator of AngelAi Pavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies in the U.S. He is also the founder of Celligence, which combines Artificial Intelligence and Empathetic Technology to make mortgages simpler and more accessible. A strong advocate for Fair Lending, Pavan is dedicated to expanding homeownership opportunities through innovation. His work has been recognized by Fox News, Yahoo!, and Bloomberg, and he has been nominated for a national philanthropy award for his contributions to The Autism Community in Action (TACA). Jennifer Vallinayagam Chief Operating Officer Sun West Mortgage Company, Inc. Jennifer Vallinayagam serves as Chief Operating Officer of Sun West Mortgage Company, Inc. Since joining the company in 1999, she has played a key role in developing the Mortgage Loan Origination System (SunSoft/SMILES), which powers the company's origination and servicing operations. Her leadership has earned her recognition as a 2023 HousingWire Woman of Influence, a 2023 Mortgage Lending Woman of Inspiration by National Mortgage Professional, and a Globee® Women in Business Award recipient. David Lykken Founder and Chief Transformation Officer | Executive Coach and Business Strategy Consultant | Transformational Mortgage Solutions, LLC David Lykken is a mortgage industry veteran with over four decades of experience. A former owner-operator of multiple mortgage banking companies and consulting firms, he advises C-level executives on business strategy, sales, marketing, and operational efficiency. David is a regular guest on FOX Business News and CNBC, hosts the popular Lykken on Lending podcast, produces the daily Today's Mortgage Minute, and frequently contributes to leading mortgage industry publications. Disclaimer Fox News, Yahoo!, Bloomberg, CNBC, and 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. All trademarks and names are the property of their respective owners.
Aug 26

Train the Body, Transform the Mind

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.
Aug 26

Why Good Borrowers Get Turned Away

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.

See All (160)

Creator

Pavan Agarwal
Years Active

2023 - 2026
Episodes

160
Rating

Clean
Show Website

The Pavan Perspective

The Pavan Perspective

Episodes

Every Home Sale Will Be On Blockchain

Transform Your Mortgage Operations

AI Agents - A Game Changer for Real Estate and Mortgage

Will AI Make Your LOS Obsolete?

Your Next Hire Is an AI Agent

Why Do Most AI Implementations Fail?

Train the Body, Transform the Mind

Why Good Borrowers Get Turned Away

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