In this episode of The Pavan Perspective, David Lykken sits down with Troy Kennedy to discuss a major shift happening in mortgage lending: AI is no longer just a tool—it’s becoming the workflow itself. From siloed operations and manual handoffs to intelligent, continuously coordinated lending processes, they explore why the industry’s biggest challenge isn’t speed, but operational design. Discover how embedded intelligence can reduce friction, surface issues earlier, and help mortgage teams move from chasing tasks to driving smarter, more resilient decisions.

Speaker Information

Pavan Agarwal

Founder/CEO of Celligence LLC, Creator of AngelAi, and CEO of Sun West Mortgage, nmls 3277

Pavan 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 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 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 Kennedy

NMLS 418906

CEO of LoanWorks Inc. | NMLS 2506079

Troy 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.

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