The Pavan Perspective

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.

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.

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.

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.

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.

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.

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

🎙️ 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.

In this episode of The Pavan Perspective, Pavan Agarwal sits down with David Lykken for a thought-provoking discussion on how Artificial Intelligence and blockchain technology are transforming the future of finance, credit, and global economic opportunity. They explore how Ai-powered financial systems can help bridge the gap for the 2+ billion people who are currently unbanked or underbanked, how decentralized wallets can redefine access to banking services, and why the next global economic transformation will be driven by Ai, blockchain, and digital innovation. From the future of credit markets to financial inclusion and the race for technological leadership, this conversation examines how emerging technologies can create a more connected and empowered world.

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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, 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.

Is crypto fundamentally changing the way the world works? In this episode of The Pavan Perspective, David Lykken and Manny Alicandro explore the future of cryptocurrency, blockchain, tokenization, digital assets, and decentralized finance. From peer-to-peer payments to tokenized real estate, fractional ownership, and the future of stock trading, this conversation reveals how global finance is being reshaped and the new opportunities for wealth creation. Whether you're an investor, entrepreneur, fintech enthusiast, or simply curious about the future of money, this episode offers valuable insights into one of the biggest technological and financial transformations of our time.

Speaker Information

Pavan Agarwal

Founder/CEO of Celligence LLCCreator of AngelAiCEO 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. 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, and products 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. He also produces the daily market commentary, "Today’s Mortgage Minute," which reaches millions of viewers. In addition, David is a prolific writer, contributing articles to leading industry publications.

Manny Alicandro   

Founding Partner

The Alicandro Law Firm, PLLC

Manny Alicandro is the Founding Partner of The Alicandro Law Firm, where he advises clients on compliance, risk management, regulation, governance, and financial services. With over 30 years of experience, he has held senior leadership roles at a hedge fund, a global management consulting firm, a global investment bank, a major U.S. exchange, and FINRA, specializing in electronic trading, market structure, regulatory compliance, and FinTech.

Manny holds degrees from New York University, Pace University, New York Law School, and MIT, and is admitted to practice before multiple state and federal courts, including the U.S. Supreme Court.

Fox News, Yahoo!, Bloomberg, CNBC, FINRA, New York University, Pace University, New York Law School, and MIT are registered trademarks of Fox Media LLC, Yahoo Inc., Bloomberg Finance One L.P., NBCUniversal Media, LLC, Financial Industry Regulatory Authority, Inc., New York University, Pace University, New York Law School, and Massachusetts Institute Of Technology, respectively.

Sun West Mortgage Company, Inc is not affiliated with any third parties mentioned above. The names are owned by the respective third parties.