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.
45episodes
Episodes
Newest firstAll episodes
What Mortgage Leaders Get Wrong About AI
Jan 2800:40:02Tap to summarizeAi 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 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!, 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.
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The AI Mistake Everyone Is Making
Jan 2200:15:52Tap to summarizeCan 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 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!, 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.
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The Trillion-Dollar Crypto Boom
Jan 1500:08:20Tap to summarizeThe 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 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).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.
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How To Dominate The Imminent Refi Boom
Jan 800:22:53Tap to summarizeIn 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 InformationAngel SumlinManaging Director of Organizational Development at Sun WestAs 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 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.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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Puerto Rico The Epicenter of A.I. and Blockchain
Jan 200:29:40Tap to summarizePuerto 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 InformationPavan AgarwalCEO of Sun West and Creator of AngelAiTMPavan 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 BaguéFormer Secretary of Economic Development and Commerce of Puerto RicoAlberto 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.
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Coding for Change: Lessons From a Fintech Pioneer
Feb 5, 202500:23:39Tap to summarizeIn this inspiring episode of The Pavan Perspective, Pavan Agarwal, the creator of AngelAi, discusses with Avishkar Sabharwal, founder of The Immigrant Doctor, his journey from writing mortgage software as a kid to revolutionizing lending with Ai. Discover why pursuing a meaningful mission trumps chasing wealth, and gain insights about the future of Ai-Driven 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 International, LLC, 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). Avishkar Sabharwal CEO – Founder, The Immigrant Doctor Avishkar Sabharwal is an immigrant physician from India who currently works as a hospitalist in the United States. Coming from a family of doctors, he witnessed the dedication required to succeed and was inspired by his mother’s entrepreneurial drive. After exploring day trading and cryptocurrency, he found his true calling in real estate, focusing on multifamily and large apartment buildings. Partnering with industry experts, he aggressively expands his portfolio while diversifying income streams to mitigate market risks. Avishkar’s mission is to build lasting wealth for himself and his investors, ensuring financial stability and time for family, embodying his vision of a balanced, stress-free life. 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. The names are owned by the respective third parties.
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Breaking Barriers: AI and Blockchain Powered Economy
Jan 30, 202500:24:52Tap to summarizePavan Agarwal, Creator of AngelAi, joins Laurel Barrett, best-selling author, motivational speaker, and award-winning documentary producer, to explore how Ai and blockchain are transforming the future of finance. Learn about the potential of Ai to deliver economic value to those who need it most. This conversation is a must-listen for everyone. - - - Speaker Information Pavan Agarwal President and CEO of Sun West Mortgage Company, Inc., 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 International, LLC, 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). Laurel Barrett Author | Motivational Speaker | Documentary Film Producer Laurel Barrett is a best-selling author, award-winning documentary producer, and renowned speaker known for her expertise in success, heroes, and spiritual enlightenment. She is the visionary behind Heroes for Humanity International, a global platform celebrating everyday heroes, and Success Empowerment Entertainment (SEE), a pioneering media company integrating blockchain with storytelling. With a passion for positive storytelling, Laurel has interviewed thousands of luminaries and heroes on the universal principles of success for Heroes for Humanity International and her upcoming films, The Hero In You and Success Commandments. She also co-founded Barrett International Real Estate, advancing sustainable, wellness-driven developments worldwide. Dedicated to wellness, sustainability, and education, Laurel’s mission is simple but profound: to awaken the hero within us all. 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. The names are owned by the respective third parties.
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Revolutionizing Mortgage Lending With AI: Insights From AngelAi Users
Jan 22, 202500:34:10Tap to summarizeUnlock the future of mortgage processing with this groundbreaking episode of The Pavan Perspective! Join Pavan Agarwal, David Lykken, Chris Beadles, and Collin Stodghill in this eye-opening discussion, to discover how AngelAi is transforming mortgage business, real-world success stories from industry leaders using AngelAi, and practical tips to stay ahead of the curve. 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 International, LLC, 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. Chris Beadles President, Country Alliance Mortgage With over a decade of experience in the mortgage industry, Chris has held key leadership roles, including Vice President at The Federal Savings Bank and Director of Banking at Quicken Loans. Since joining Country Alliance Mortgage as its President in February 2023, Chris has played a crucial role in driving growth and innovation. He holds a B.S. in Finance from the University of Arizona, where he developed a strong foundation in financial management and leadership. Chris is passionate about delivering excellent customer service and leading high-performing teams. Collin Stodghill NMLS 1003389 Mortgage Loan Originator, Country Alliance Mortgage Collin Stodghill is a seasoned mortgage professional. His career in the mortgage industry spans over a decade. Collin joined Country Alliance Mortgage in early 2023, playing a key role in the company's rapid growth and setting new industry standards for efficiency and customer service. 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. The names are owned by the respective third parties.
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Unlocking the Multiverse of Magic: Carl Michael's Race to Space
Jan 15, 202500:51:58Tap to summarizeStep into the extraordinary world of Carl Michael, a magician pushing the boundaries of illusion and innovation. In this captivating episode of The Pavan Perspective, Carl shares his remarkable journey from performing in Las Vegas to his groundbreaking plans to become the first magician in space. Discover how Carl blends cutting-edge technology with timeless magical techniques to create mind-bending experiences for audiences worldwide. Learn about his unique approach to creativity, his vision for the future of magic, and how he's revolutionizing corporate entertainment. - - - Speaker Information Pavan Agarwal President and 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 International, LLC, 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). Carl Michael Magician Carl Michael, known as "The Celebrities Magician," is a master illusionist renowned for his captivating performances that seamlessly blend storytelling, mentalism, and close-up magic. With an impressive list of clients, Carl has performed at iconic events like MLB franchises including the Chicago Cubs, NFL franchises including the Carolina Panthers, NCAA camps, NASCAR events, and PGA Tour events. Featured on The Pat McAfee Show, ESPN, TMZ, and America’s Got Talent, Carl’s magic has mesmerized A-list celebrities, including LeBron James, Jason Aldean, Snoop Dog, Michael Jordan, Paris Hilton, Mark Cuban, and Gordon Ramsay. Beyond the spotlight, he shares his magic with charitable causes, supporting organizations like The Cool Kids Campaign and The Drew Brees Foundation. Carl Michael transforms events into unforgettable experiences, leaving audiences amazed and inspired. 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. The names are owned by the respective third parties.
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AI, Blockchain, and Digital Twins: Revolutionizing Finance
Jan 9, 202500:21:34Tap to summarizeDive into the cutting-edge world of Ai-powered finance with Pavan Agarwal, founder of AngelAi. In this groundbreaking episode of The Pavan Perspective, we explore how Ai and blockchain are reshaping finance, eliminating bias, and bringing banking to the unbanked. - - - Speaker Information Pavan Agarwal President and 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 International, LLC, 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). Rachel Wolfson Podcast Host | Reporter at Cointelegraph and Cryptonews | Author Rachel Wolfson is a seasoned editorial professional and journalist with a passion for technology, specializing in blockchain and cryptocurrency. As a reporter for Cointelegraph and Cryptonews, she provides in-depth analysis and insights into the evolving world of digital currencies. Recognized by The Next Web as one of the top 5 women shaping the future of crypto, Rachel is also an author, having published a Bitcoin e-book on Amazon. A dynamic public speaker, she has shared her expertise at numerous blockchain events globally, establishing herself as a leading voice in the tech and crypto industries. Sun West Mortgage Company, Inc is not affiliated with any third parties. The names are owned by the respective third parties.
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