The Pavan Perspective

Is the AI revolution creating real economic value, or is it all hype? In this episode of The Pavan Perspective, Pavan Agarwal and Marc-Lionel Gatto explore the future of AI-powered lending. Discover the story behind AngelAi's $100 million strategic investment announcement, its rapidly growing user base, and its vision for transforming financial services through intelligent automation. Pavan discusses how AI could dramatically reduce mortgage processing costs, why accuracy and accountability are essential in financial AI, and how AngelAi's robot loan officer represents a new chapter in mortgage technology. He also shares valuable insights on entrepreneurship, venture capital, sustainable business models, global expansion, and building companies designed to last.

• - -

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).Marc-Lionel GattoFounder & General Coordinator myGlobalVillageMarc-Lionel Gatto is the visionary founder of myGlobalVillage, an acceleration program spanning 31+ countries, connecting top technologies with dynamic ecosystems. He has developed a unique collective intelligence methodology that identifies world-class solutions across five continents for a greener, safer, and more innovative planet. Collaborating with 1,700+ active contributors at major tech events, incubators, and accelerators, Marc-Lionel drives global innovation forward. His mission? To revolutionize how we educate, collaborate, and co-create impactful business and social projects for companies, communities, and non-profit organizations worldwide. 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.

Is AI about to transform the mortgage industry forever? In this episode of The Pavan Perspective, Pavan Agarwal, Creator of AngelAi, joins David Lykken to explore the rapidly evolving world of AI, recursive self-improvement (RSI), AI safety, and the importance of human oversight in high-stakes financial decisions. From agentic AI and empathetic technology to automated mortgage underwriting, complex loan approvals, and AI-driven capital markets, discover how emerging technologies could challenge traditional lending systems and redefine the future of finance. Pavan also discusses the role of explainable AI, transparent decision-making, and the cultural transformation lenders may need to embrace to remain competitive. Watch this thought-provoking conversation to explore what's next for AI, mortgage technology, and the lending industry.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 LykkenLykken on LendingDavid 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, 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.

Discover the future of AI-powered productivity in this episode of The Pavan Perspective, where Jennifer Vallinayagam and Angel Sumlin explore how Angel Agents are transforming the way professionals work.

Learn how intelligent AI assistants automate daily tasks, create personalized content, conduct research, manage schedules, and help mortgage professionals, real estate agents, and businesses achieve more. Discover how AngelAi® enables users to build custom AI Agents through natural conversations while maintaining data ownership and security. From boosting efficiency to creating new opportunities, this episode explores the growing role of AI Agents in the future of work.

Pavan Agarwal
Founder/CEO of Celligence LLC | Creator of AngelAi

Pavan Agarwal is the CEO of Sun West Mortgage Company and founder of Celligence, which uses Artificial Intelligence and Empathetic Technology to simplify mortgages and expand homeownership opportunities. A strong advocate for Fair Lending, he focuses on making financing more accessible to underserved communities 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 joined Sun West in 1999 with a background in software engineering and programming. She played a key role in developing SunSoft/SMILES, the company's mortgage loan origination system, which supports its origination and servicing operations. Her leadership earned her recognition as HousingWire's 2023 Woman of Influence, National Mortgage Professional's 2023 Mortgage Lending Woman of Inspiration, and a Globee® Women in Business Award recipient.

Angel Sumlin
Managing Director of Organizational Development | Sun West Mortgage Company, Inc.

Angel oversees organizational development initiatives, employee training, and career advancement programs at Sun West. She works closely with leadership to strengthen talent development and organizational effectiveness. With extensive experience in financial services, she holds an MBA from the University of La Verne and is a Certified Professional in Talent Development (CPTD), specializing in coaching, communications, instructional design, and team development.

Andrew Berman
CEO | National Mortgage Professional

Andrew leads National Mortgage Professional (NMP), a media organization delivering industry insights, success stories, and actionable strategies through newsletters, podcasts, webinars, videos, and events. He also supports industry partnerships, targeted marketing, and compliance-focused content to help mortgage professionals stay informed.

Trademarks & Disclaimers

Fox News, Yahoo!, Bloomberg, Globee, and USA Today are registered trademarks of Fox Media LLC, Yahoo Inc., Bloomberg Finance One L.P., Silicon Valley Communications, LLC, and Gannett Satellite Information Network, 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.

Is AI really out of control, or are we caught in a massive hype cycle? In this episode of The Pavan Perspective, Pavan Agarwal joins David Lykken to unpack the growing debate over AI risk, the push to "slow down" AI, and what's actually happening behind the headlines. Pavan explains how Agentic AI turns thousands of agents into a form of "intelligent brute force" that can target predictable human passwords, and why the traceability and liability gaps in agentic AI pose serious risks for mortgage lenders and banks. The conversation then turns to the housing market, how geopolitics is driving inflation and interest rates, and the newly unveiled AngelAi® robot account executive powered by its Transactional Language Model™.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 LykkenLykken on LendingDavid 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.

In this episode of The Pavan Perspective, Pavan Agarwal and David Lykken explore how Artificial Intelligence and Blockchain technology are transforming the future of mortgage lending, real estate, and financial services. From blockchain-powered property records and tokenized mortgage approvals to digital identities, AI underwriting, and consumer-owned financial data, this conversation explores how emerging technologies can create a more transparent, secure, and efficient financial ecosystem. Discover how AI and blockchain are working together to redefine trust, eliminate inefficiencies, empower loan officers, and shape the next generation of mortgage innovation. Tune in to understand why the future of finance will be built around automation, ownership, and technology-driven transparency.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 LykkenLykken on LendingDavid 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.

Artificial Intelligence is changing the way the mortgage industry operates. In this episode of The Pavan Perspective, Suresh Choudhary and Lukas Rosenblum discuss how AI-powered solutions are helping mortgage professionals automate workflows, improve accuracy, generate leads, streamline underwriting, and scale their businesses. From Suresh’s inspiring journey of persistence and growth to the impact of AngelAi®, this conversation explores the future of lending and how technology is empowering loan officers, brokers, and real estate professionals to deliver quicker, smarter, and more reliable experiences. Discover why purpose-built AI is becoming a critical advantage in the modern mortgage landscape.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).Lukas RosenblumNMLS 196011Chief Client OfficerLukas Rosenblum is the Chief Client Officer at Sun West, where he works alongside CEO Pavan Agarwal to democratize finance and create equal access for underserved communities worldwide. With deep expertise in real estate, fintech, and sales leadership, he specializes in AI-driven lead generation, data intelligence, and scaling high-performance teams. A Texas market expert and NMLS-licensed professional, Lukas is passionate about leveraging AI, blockchain, and smart automation to expand opportunity, empower businesses, and help professionals compete on a level playing field. His mission is to use technology not just to drive growth, but to unlock economic opportunity and bring the dream of financial inclusion to millions.Suresh ChoudharyNMLS 1574532SVP - National ProductionWith over twenty years in the mortgage industry, Suresh is a well-respected mortgage leader. He has a deep understanding of mortgage operations and is skilled in training and guiding teams to achieve excellent performance.Suresh’s knowledge of the mortgage field has helped him succeed in a constantly changing industry. He is experienced in various areas, including loan processing and customer service, which has helped him improve efficiency and maintain high standards.Recently, Suresh has focused on the potential of AngelAi. He sees how AI can improve decision-making, workflows, and customer experiences. He is committed to teaching mortgage professionals about AngelAi through seminars, workshops, and personal coaching, showing them how to use AI to boost productivity.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.

AI is evolving beyond chatbots. In this episode of The Pavan Perspective, Pavan Agarwal, Jennifer Vallinayagam, and David Lykken explore how Angel Agents can help professionals plan their day, research, generate, and prospect leads, create content, set reminders, take notes, and improve productivity. Discover how these AI Agents are designed to be simple, scalable, and free to use — giving loan officers, entrepreneurs, and businesses access to a powerful AI workforce without a complicated setup. 🤖⚡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).Jennifer Vallinayagam Chief Operating Officer | Sun West Mortgage Company, Inc.Jennifer 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 LykkenLykken on LendingDavid 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, 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. The names are owned by the respective third parties.

Are autonomous AI agents about to make traditional software obsolete? In this episode of The Pavan Perspective, Pavan Agarwal and David Lykken discuss insights from Ai4 2026 and examine how AI agents are changing enterprise software, mortgage lending and the future of work. Discover why businesses are moving from software that helps people complete tasks to AI agents that can execute complex workflows, why trust and accountability are becoming critical in artificial intelligence, and why AI adoption must be treated as a CEO-level strategy. The conversation also explores fair lending, trusted AI, the disruption of the SaaS and loan origination system models, and how professionals can adapt their skills to compete in an AI-first economy.

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).

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.

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.

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.