The Pavan Perspective

Is the Ai bubble the Big Short 2.0? Pavan Agarwal and David Lykken break down the controversial analysis showing tech giants have overestimated earnings. They explore why America's data center boom changes everything and why long-term outlook remains bullish, plus how Ai is revolutionizing the mortgage industry by crushing loan costs. This conversation delivers the insights you need to navigate the Ai market with confidence.

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.

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 the Ai bubble the Big Short 2.0? Pavan Agarwal and David Lykken break down the controversial analysis showing tech giants have overestimated earnings. They explore why America's data center boom changes everything and why long-term outlook remains bullish, plus how Ai is revolutionizing the mortgage industry by crushing loan costs. This conversation delivers the insights you need to navigate the Ai market with confidence.

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.

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 and Pavan Agarwal unpack how AngelAi became one of the most valuable IP portfolios in fintech. This is the episode every founder, tech leader, investor, Ai enthusiast, and mortgage / real estate professional needs to hear.

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.

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.

Join Pavan Agarwal and David Lykken in this powerful episode of The Pavan Perspective as they break down the groundbreaking shifts transforming finance and real estate—from the rise of tokenized real estate equity and Ai Twins revolutionizing communication, to how AngelAi is redefining wealth management, taxes, lending, and long-term financial wellness. Packed with insights on blockchain innovation, and the future of mortgage lending, this conversation delivers a clear look into the technologies reshaping our financial lives.

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.

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.

Join Pavan Agarwal (Creator of AngelAi) and David Lykken (host of Lykken on Lending) as they explore how Ai and blockchain are reshaping the mortgage industry. From chat-based Ai to global trends in digital banking, they dive into the future of finance and why Saudi Arabia is leading the charge in Ai-powered banking. Tune in for insights on the technologies transforming home buying, compliance, and beyond!

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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 & Chief Transformation Officer | Executive Coach & 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.

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 explosive episode of The Pavan Perspective, Pavan Agarwal sits down with Wesley Paul to discuss ending bias in lending, crashing banking barriers, and putting financial power back in consumers’ hands. From arriving in America with just $100 to building a billion-dollar mortgage empire, Pavan’s journey is pure blueprint material — equal parts rebellion, brilliance, and hard truth.

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).

Wesley Paul

Host of Respect My Blueprint Podcast

Founder and CEO of Uptrend Credit

Wesley Paul “The Blueprint Mastermind” is best known for giving value. Wesley has achieved great success in business and is a powerful Influencer. As the Founder and CEO of Uptrend Credit, a fintech company focused on helping people understand and build credit, Wes is continually striving to empower and educate communities and makes it his life's work to give people the blueprint they need to achieve a better future.

Wes is a charismatic, authentic, and an energetic leader who is deeply committed to assisting others in achieving their blueprint. In point of fact, he established the Respect My Blueprint podcast with the intention of assisting others in achieving success in both life and business. Wes is providing nuggets of wisdom on a wide variety of subjects that educate, inspire, and bring about tangible outcomes.

Wes's insights are explosive tactics that you can use to level up and remove everything that is preventing you from achieving success. Get exclusive information, success techniques based on real-life experiences, and stories from successful individuals by listening to the Respect My Blueprint podcast.

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.

David Lykken and Pavan Agarwal reveal the dangers of relying on generic Ai tools in mortgage lending. They explain why general Ai solutions can hurt your business and why Ai accuracy is crucial in lending. Learn how AngelAi’s specialized approach is transforming underwriting and giving lenders the edge over traditional Ai.- - -Speaker InformationPavan AgarwalCEO of Sun West and Creator of AngelAiPavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence, which harnesses the best of Artificial Intelligence and Emphatic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success. Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).David LykkenFounder & Chief Transformation Officer | Executive Coach & Business Strategy ConsultantTransformational Mortgage Solutions, LLCDavid Lykken is a seasoned mortgage industry expert with over four decades of experience. As a former owner-operator of three mortgage banking companies, a software firm, and several leading consulting businesses, David has a proven track record of driving growth through consulting, executive coaching, and strategic communications. He specializes in working with C-level executives and business owners to develop business strategies, enhance sales and marketing efforts, and streamline operations for greater efficiency and profitability. David is a regular guest on FOX Business News and CNBC and hosts the popular weekly podcast, "Lykken on Lending," which attracts thousands of mortgage professionals nationwide. He also produces the daily market commentary, "Today’s Mortgage Minute," which reaches millions of viewers through various media outlets. In addition, David is a prolific writer, contributing articles to leading industry publications on a regular basis.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.Nothing Is Beyond Reach™ 👉 AngelAi.comSun West Mortgage Company, Inc. is not affiliated with any third parties mentioned in the video. The names are owned by the respective third parties.

What if Ai could manage your finances? In this episode of The Pavan Perspective, Pavan Agarwal sits down with Chris Champion to reveal how AngelAi, valued at over $119 billion and trusted by 250,000+ users, is rewriting the rules of modern finance. From building Ai to creating a fully decentralized financial ecosystem, this conversation dives deep into innovation, entrepreneurship, and the future of money. Tune in now to discover how AngelAi is reshaping the way the world banks—and why this could be the biggest shift in fintech history.

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).

Chris Champion

Investor | Podcaster | Master Connector | Founder - Champion Ai

Chris Champion is a lifelong entrepreneur and the voice behind Chopping It Up with Chris Champion, a podcast where candid conversations meet ambitious ideas. He has invested in over 143 companies throughout his career. As the founder of Champion Media Group, Champion Capital, and Champion Ai, Chris empowers entrepreneurs, creators, and leaders to elevate their influence through cutting-edge Ai technology and high-impact networking. His flagship platform, Champion Ai, delivers over 40,000 man-hours of tailored podcast outreach daily, boasting a database of 3.97 million verified podcaster emails and a proven track record of over 600 successful podcast interviews with a 27% average response rate. Deeply committed to the entrepreneurial journey, Chris champions innovation, faith, and meaningful connections. Through events like Podcasters Summit LIVE and a network of thousands of creators and thought leaders, Chris continues to unlock new opportunities for people to share their stories and make a lasting impact.

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.

Nothing Is Beyond Reach™ 👉 AngelAi.com

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

In this episode of The Pavan Perspective, brand architect Andrew McLean (Inventus Media) teams up with David Lykken (Lykken on Lending) to unpack how AngelAi turned empathetic Ai, radical simplicity, and design thinking into a trusted fintech and mortgage brand—recognized by Fast Company’s Innovation by Design.

Speaker Information

David Lykken

Founder & Chief Transformation Officer | Executive Coach & 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.

Andrew McLean

Principal & Managing Partner, Inventus Media

Andrew McLean is the Principal and Managing Partner at Inventus Media, an independent advertising, marketing planning, publicity, media buying, and strategy company based in New York. With over 25 years of experience, he has held significant leadership roles at major agencies and corporations such as WPP, Omnicom, Disney, and others. His career started in publishing, quickly rising in the advertising field where he managed major accounts including Procter & Gamble, Burger King, and Disney's blockbuster film campaigns. He moved to the U.S. in 2000, contributing to the growth of GroupM and later managing media operations at Omnicom's PHD. Founded Inventus Media in 2012, he now focuses on performance-driven marketing strategies for clients across healthcare, financial services, retail, and entertainment sectors. Andrew has global experience, having worked and lived in multiple countries, and serves on various digital and advertising boards.​

Andrew’s leadership ethos, "Ready, set, grow," reflects his emphasis on rapid execution and measurable growth in today’s dynamic business environment. His extensive background in media strategy and client relationship management positions him as a prominent figure in the advertising and media consulting space.​

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.

Nothing Is Beyond Reach™ 👉 AngelAi.com

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

Ai is reshaping the way we live, work, and lend—but how close are we to truly autonomous Ai systems? Join Pavan Agarwal and David Lykken as they dive into the harsh truths about Agentic Ai and how AngelAi is combining human intelligence + Ai for smarter, safer lending.

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.

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.

Nothing Is Beyond Reach™ 👉 AngelAi.com

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