2023 HW Vanguard: Pavan Agarwal

Pavan Agarwal

As CEO at Celligence and Sun West Mortgage Company, Pavan Agarwal is a renowned leader in the mortgage lending industry and a pioneer in bringing artificial intelligence (AI) to the financial markets. Agarwal built the first mortgage-focused AI development firm and one of the nation’s largest, longest-serving, privately held mortgage companies that has an all-minority board with a majority of women (3-1). Agarwal takes a casual, honest approach in discussing real-world economics and why the financial industry is reluctant to change due to fear of regulatory complexity. Agarwal’s vast experience and expertise make him a recognized Ginnie Mae MBS issuer, servicer and master servicer, with agency approvals from FHA, VA, USDA, Fannie Mae and Freddie Mac.

In addition, Agarwal’s engineering education gave him the foundation to create dozens of patents in his name and achieve expertise in AI, blockchain and other advanced technologies. He founded Celligence after experiencing the long and arduous homebuying process, and he focused on creating tech solutions to revolutionize the experience and process. He leads the organization servicing a multibillion-dollar loan portfolio. Agarwal’s belief that everyone should have the opportunity to apply and be approved for a home loan comes through in both his demeanor and actions. He continues investing in transformative technology to serve all members of our community, from his personal mission to invest and correct the limited financial services available to adults living with autism, to his recent elimination of all standard loan processing fees charged to mortgage brokers.

What’s the best advice you’ve ever received?

My father, Hari, always said that if we do everything we can for our customers, then they will be customers for life. We have built on his foundation using people-powered technology to allow more customers to find their true home within.


Pavan Agarwal



Company Name:

Celligence and Sun West Mortgage Company

3d rendering of a row of luxury townhouses along a street

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