The Pavan Perspective

Hosted by Pavan Agarwal

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154

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Aug 2026

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About the show

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.

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60 recent

September 9, 202615 min

Your Next Hire Is an AI Agent

AI agents are reshaping the future of work. In this episode of The Pavan Perspective, Pavan Agarwal and David Lykken discuss the rise of AI agents, AngelAi’s agent ecosystem, and enterprise data strategy. Pavan also explains why organizations must move beyond fragmented AI tools, how businesses can unlock the value hidden within their proprietary data, and why careful planning is more powerful than reacting to AI FOMO. Watch this insightful conversation to discover how agentic AI, business automation and next-generation lending technology could transform everyday work and redefine competitive advantage.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, 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.

September 2, 202624 min

Why Do Most AI Implementations Fail?

What separates a real AI strategy from simply using AI tools? In this episode of The Pavan Perspective, Pavan Agarwal, David Lykken, and Jennifer Vallinayagam discuss why enterprise-grade AI requires much more than a Large Language Model (LLM). Learn how AngelAi® is transforming mortgage lending by reducing costs, improving accuracy, minimizing bias, and expanding access to credit worldwide. They explore enterprise AI, digital transformation, machine learning, FinTech innovation, responsible AI, and why purpose-built AI outperforms generic AI tools. Discover how AngelAi leverages Proprietary AI (PropAI), warranted intelligence, human-in-the-loop collaboration, and intelligent workflow automation to reshape the future of financial services. Subscribe for more conversations on AI, leadership, innovation, and the technologies shaping tomorrow. Speaker Information Pavan Agarwal Founder/CEO of Celligence LLC, Creator of AngelAi Pavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies in the U.S. He is also the founder of Celligence, which combines Artificial Intelligence and Empathetic Technology to make mortgages simpler and more accessible. A strong advocate for Fair Lending, Pavan is dedicated to expanding homeownership opportunities through innovation. His work has been recognized by Fox News, Yahoo!, and Bloomberg, and he has been nominated for a national philanthropy award for his contributions to The Autism Community in Action (TACA). Jennifer Vallinayagam Chief Operating Officer Sun West Mortgage Company, Inc. Jennifer Vallinayagam serves as Chief Operating Officer of Sun West Mortgage Company, Inc. Since joining the company in 1999, she has played a key role in developing the Mortgage Loan Origination System (SunSoft/SMILES), which powers the company's origination and servicing operations. Her leadership has earned her recognition as a 2023 HousingWire Woman of Influence, a 2023 Mortgage Lending Woman of Inspiration by National Mortgage Professional, and a Globee® Women in Business Award recipient. 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-operator of multiple mortgage banking companies and consulting firms, he advises C-level executives on business strategy, sales, marketing, and operational efficiency. David is a regular guest on FOX Business News and CNBC, hosts the popular Lykken on Lending podcast, produces the daily Today's Mortgage Minute, and frequently contributes to leading mortgage industry publications. Disclaimer Fox News, Yahoo!, Bloomberg, CNBC, and 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. All trademarks and names are the property of their respective owners.

August 26, 202611 min

Train the Body, Transform the Mind

What can Jiu-Jitsu teach us about leadership, business, confidence and overcoming adversity? In this powerful episode of The Pavan Perspective, Ryron Gracie, Chief Instructor at Gracie University, and David Lykken explore the mindset behind Gracie Jiu-Jitsu. The episode also takes viewers to Puerto Rico, where Ryron teaches children practical self-defense, punch protection, anti-bullying intervention and how to establish control without causing harm. From using leverage instead of force to developing patience, resilience and a survival mindset, Ryron reveals why the lessons learned on the mat can transform how we confront challenges in everyday life and business. Watch this inspiring conversation and discover why success is not always about being bigger or stronger—it is about remaining calm, learning from mistakes and finding the right angle at the right time.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).Ryron GracieCo-Founder & Chief Instructor, Gracie University | Brazilian Jiu-Jitsu Master | Self-Defense EducatorRyron Gracie is the eldest grandson of Grand Master Helio Gracie and a third-generation member of the Gracie family, one of the most influential families in Brazilian Jiu-Jitsu. As Co-Founder and Chief Instructor of Gracie University, Ryron has played a key role in expanding Gracie Jiu-Jitsu and its self-defense philosophy to students around the world. Alongside his brother Rener Gracie, he became widely recognized through The Gracie Breakdown, a series that analyzes and explains techniques used in real-world martial arts and mixed martial arts competition. Ryron has also been instrumental in developing the Gracie Global Training Program, helping make practical self-defense education more accessible worldwide. Through his teaching, Ryron emphasizes technique, leverage, patience, confidence, and problem-solving — principles that extend well beyond martial arts and into everyday life.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.

August 26, 202618 min

Why Good Borrowers Get Turned Away

Can artificial intelligence make the American Dream of Homeownership more accessible? In this episode of The Pavan Perspective, Pavan Agarwal explores how AngelAi® is transforming homeownership, mortgage underwriting, and the homebuying experience. Discover why traditional lending processes can overlook certain borrowers and how AngelAi is helping bring greater clarity and efficiency to the mortgage process. From housing affordability and fair lending to automated income analysis and financial inclusion, this conversation reveals how responsible AI innovation could help reshape the future of mortgage lending and expand access to homeownership.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).Adam GoodmanChair, Ballard Media Group Partner, DCHost, 13th and ParkAdam Goodman, one of the nation’s best-known media consultants, has been producing award-winning television, radio and strategic messaging for corporate, advocacy and candidate campaigns for four decades. Adam serves as a strategic communications consultant for Ballard Media Group’s clients domestically and abroad.Adam, a frequent national TV commentator and widely-published columnist, was honored by being selected as the first Edward R. Murrow Fellow at Tufts University’s prestigious Fletcher School. He was also recently named, for the second time, as one of Florida’s “500 Most Influential Business Leaders” by Florida Trend. Dubbed a “media icon” by the Tampa Bay Times, he has also worked with screen and television celebrities on behalf of issues and causes, from Robert De Niro and James Earl Jones to Katie Couric and Bob Barker.Adam is also the host of 13th and Park, the fast-rising, state-of-the-art new media platform with more than 3 million YouTube subscribers. Blending broadcast-level production with unfiltered, long-form conversations, Goodman convenes headline-makers—from Cabinet officials and CEOs to sports legends and cultural icons—drawing out the ideas and personal stories shaping America and the world.YouTube, Fox News, Yahoo!, Bloomberg, and CNBC are registered trademarks of Google LLC, 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.

August 19, 202631 min

Only 12% Will Succeed, but Do Not Give up on Your Ai Strategy!

Everyone is talking about Ai but very few are getting it right. In this episode of The Pavan Perspective, Pavan Agarwal and David Lykken explore the growing Ai Execution Gap and explain why successful Ai adoption requires far more than deploying chatbots or Ai agents. Pavan discusses why CEOs must lead Ai transformation, how organizations should redesign workflows instead of simply layering Ai onto legacy processes, and why measurable business outcomes—not vanity metrics—define true Ai success. Learn the difference between generative Ai, deterministic Ai, and warranted intelligence, discover how Ai-first companies are reshaping operations, customer experience, and profitability, and gain practical insights into the future of enterprise Ai, mortgage technology, fintech innovation, digital transformation, and Ai leadership. This episode offers an actionable roadmap for building Ai that delivers real business value.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, 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.

August 13, 20268 min

Hedging Ai - Less Risk More Profits

In this episode of The Pavan Perspective, David Lykken sits down with David Pahwa, Head of Capital Markets at Sun West, to explore how Artificial Intelligence is transforming market analysis, loan pull-through forecasting, hedging, and risk management. Discover how Ai processes thousands of loans, helps preserve margins during uncertain market conditions, supports smarter trading decisions, and provides powerful insights into mortgage-backed securities and interest rate trends. Whether you're a mortgage professional, real estate expert, fintech enthusiast, investor, or simply interested in the future of Ai in finance, this episode delivers an exclusive behind-the-scenes look at how technology is reshaping the mortgage industry. Speaker Information Pavan Agarwal Founder/CEO of Celligence LLC 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 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). 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. 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.

August 8, 202617 min

UWM’s $603M Hedging Loss Explained

United Wholesale Mortgage, LLC NMLS #3038’s $603 million hedging loss, has raised important questions about risk management, capital markets strategy, and the future of mortgage lending. In this episode of The Pavan Perspective, Pavan Agarwal, David Lykken, and David Pahwa discuss the lessons lenders can learn from recent market events, the importance of disciplined hedging strategies, and why mortgage companies must avoid treating capital markets like a guessing game. The conversation explores how artificial intelligence is transforming mortgage operations and risk management. Discover how Ai-powered technology is helping lenders navigate volatility, improve efficiency, and build a more resilient future for the mortgage industry. Speaker Information Pavan Agarwal Founder/CEO of Celligence LLC, Creator of AngelAi, 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 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). 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. 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.

August 5, 20266 min

Bruce Buffer’s Communication Blueprint

What 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.

July 29, 202627 min

Can You Trust Ai for Million-Dollar Decisions?

What 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 Information Pavan Agarwal Founder/CEO of Celligence LLC, 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 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 University Arin 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 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

July 28, 202617 min

Combining Human Connections With Ai

🎙️ 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.