Top-producing loan officers are often the last to adopt transformational technology—not because they doubt the value, but because they’re already operating at full capacity. In this episode, David Lykken and Pavan Agarwal break down the psychology behind LO resistance, the J-curve problem that slows adoption, and why traditional agentic AI models struggle to deliver real-world mortgage results. Pavan introduces a radically different approach: cell-based AI, a lightweight, modular system designed to provide immediate utility, zero friction onboarding, and tokenized rewards that change the adoption equation entirely. If you're a lender or tech leader trying to get your team to embrace next-generation tools, this conversation is essential.