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.

  1. Before You Trust AI… Watch This

    6H AGO

    Before You Trust AI… Watch This

    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 Information Pavan Agarwal CEO of Sun West and Creator of AngelAiTM 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 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.

    21 min
  2. Turn Your Data Into Dollars

    APR 1

    Turn Your Data Into Dollars

    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.

    34 min
  3. Non-QM Loans: A Goldmine for Brokers

    MAR 25

    Non-QM Loans: A Goldmine for Brokers

    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.

    22 min
  4. The Future of Money

    MAR 18

    The Future of Money

    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.

    39 min
  5. Ai Gone Rogue?

    MAR 11

    Ai Gone Rogue?

    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.

    45 min
  6. The AI Shift No One Saw Coming

    MAR 4

    The AI Shift No One Saw Coming

    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 Information Pavan Agarwal CEO 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 West 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.

    23 min
  7. The Ai-First Borrower Is here

    FEB 26

    The Ai-First Borrower Is here

    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 Information Pavan Agarwal CEO 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 West 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. David Pahwa Head of Capital Markets at Sun West Gurpreet 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 Perry Senior Mortgage Trainer at Sun West Alex 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 Berman Head of Outreach and Engagement at American Business Media, Media Innovator, and Mortgage Journalism Expert Andrew 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.

    51 min
  8. The Property Investor Playbook for 2026

    FEB 18

    The Property Investor Playbook for 2026

    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 Information Pavan Agarwal CEO of Sun West and Creator of AngelAiTM 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 West 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. Gurpreet (David) Pahwa Head of Capital Markets at Sun West Gurpreet 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.

    53 min
See All (131)

About

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.

Information

  • Creator
    Pavan Agarwal
  • Years Active
    2023 - 2026
  • Episodes
    131
  • Rating
    Clean
  • Copyright
    © Pavan Agarwal
  • Show Website
    The Pavan Perspective