The Pavan Perspective

Pavan Agarwal
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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. Why Finance Feels Stuck In the 19th Century

    4D AGO

    Why Finance Feels Stuck In the 19th Century

    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 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). Pooya Mohit Owner of MYFRND Marketing Pooya 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.

    52 min
  2. What Mortgage Leaders Get Wrong About AI

    JAN 28

    What Mortgage Leaders Get Wrong About AI

    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 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). 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, 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.

    40 min
  3. The AI Mistake Everyone Is Making

    JAN 22

    The AI Mistake Everyone Is Making

    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 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). 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.

    16 min
  4. The Trillion-Dollar Crypto Boom

    JAN 15

    The Trillion-Dollar Crypto Boom

    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 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). 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.

    8 min
  5. How To Dominate The Imminent Refi Boom

    JAN 8

    How To Dominate The Imminent Refi Boom

    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 Information Angel Sumlin Managing Director of Organizational Development at Sun West As 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 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. 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.

    23 min
  6. Puerto Rico The Epicenter of A.I. and Blockchain

    JAN 2

    Puerto Rico The Epicenter of A.I. and Blockchain

    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 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). Alberto Bacó Bagué Former Secretary of Economic Development and Commerce of Puerto Rico Alberto 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.

    30 min
  7. Punching through with Dedication & Discipline

    12/30/2025

    Punching through with Dedication & Discipline

    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 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). Yokasta Valle 6x World Boxing Champion Yokasta 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

    22 min
  8. How Loan Officers Have 10x Their Productivity

    12/24/2025

    How Loan Officers Have 10x Their Productivity

    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 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). 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. 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.

    26 min
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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
    122
  • Rating
    Clean
  • Copyright
    © Pavan Agarwal
  • Show Website
    The Pavan Perspective