In this episode of The Pavan Perspective, host David Lykken sits down with Troy Kennedy, founder of LoanWorks.ai, and Loan Officer Jodi Perry to show what Ai-powered mortgage lending looks like in practice — not as a promise, but as a daily reality. From driving 8 hours round-trip to retrieve a forgotten laptop, to closing a fully underwritten loan from her phone over Sunday cocktails, Jodi's story is relatable and revolutionary. Troy shares why LoanWorks.ai — built on AngelAi's® neural network — isn't incremental change, but a complete reinvention of how mortgages get done. If you're a loan officer still buried in files and tethered to your laptop — this episode is your wake-up call.

Speaker Information

Pavan Agarwal

CEO of Sun West and Creator of AngelAi

Pavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence, which harnesses the best of Artificial Intelligence and Emphatic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success.

Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo!, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).

David Lykken

Founder and Chief Transformation Officer | Executive Coach and Business Strategy Consultant

Transformational Mortgage Solutions, LLC

David Lykken is a seasoned mortgage industry expert with over four decades of experience. As a former owner-operator of three mortgage banking companies, a software firm, and several leading consulting businesses, David has a proven track record of driving growth through consulting, executive coaching, and strategic communications. He specializes in working with C-level executives and business owners to develop business strategies, enhance sales and marketing efforts, and streamline operations for greater efficiency and profitability.

David is a regular guest on FOX Business News and CNBC and hosts the popular weekly podcast, "Lykken on Lending," which attracts thousands of mortgage professionals nationwide. He also produces the daily market commentary, "Today’s Mortgage Minute," which reaches millions of viewers through various media outlets. In addition, David is a prolific writer, contributing articles to leading industry publications on a regular basis.

Troy Kennedy

CEO of LoanWorks Inc. | NMLS 2506079

Troy Kennedy is the Chief Executive Officer of LoanWorks Inc., bringing over 30 years of experience in building, scaling, and leading large-scale organizations. He is a seasoned executive with cross-functional expertise across operations, technology, finance, sales, and marketing, and is known for his ability to navigate change and drive strategic growth. Troy is passionate about delivering innovative, disruptive improvements in the lending industry that enhance both efficiency and customer experience.

Jodi Perry

Loan Officer at LoanWorks Inc. | NMLS 2506079

Jodi Perry is a Sales Manager at LoanWorks, Inc. and a licensed Loan Officer (NMLS 1466842) with over two decades of experience in mortgage lending, sales leadership, and business development. Known for consistently exceeding performance goals, Jodi has built a reputation for driving growth, leading high-performing teams, and delivering exceptional client experiences. She is passionate about building long-term relationships, often turning clients into lifelong connections through trust, service, and results.

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