Podcast
The Pavan Perspective
Hosted by Pavan Agarwal · EN
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.
43episodes
Episodes
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Bruce Buffer’s Communication Blueprint
2d ago00:06:10Tap to summarizeWhat 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.
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Can You Trust Ai for Million-Dollar Decisions?
1w ago00:27:46Tap to summarizeWhat 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
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Combining Human Connections With Ai
2w ago00:17:47Tap to summarize🎙️ 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.
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Can America Win the Ai Superpower Race?
2w ago00:15:05Tap to summarizeIn 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.
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The Biggest Wealth Shift: Crypto, Blockchain, and Tokenization
3w ago00:13:27Tap to summarizeIs 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.
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Warranted Intelligence: The Patent That Changes Everything
Jul 800:18:09Tap to summarizeCan 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.
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When Ai becomes the Mortgage Company
Jul 100:06:56Tap to summarizeIn 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.
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How a Team of the Greatest Engineers Are Built
Jun 2400:25:11Tap to summarizeIn 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.
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The Credit Score Shake-Up
Jun 1700:42:03Tap to summarizeIn 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.
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The Rise of Self-Driving Mortgages
Jun 1000:38:33Tap to summarizeIn 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.
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