Pavan Agarwal

And you'll get that warranted approval so you can make that offer with no loan contingency. So now you're the same as cash. And so this opens the door wide open for a lot of communities that have been left behind. So as a result, we published our data for the last several years, and we've doubled the approval rates effectively.

And you'll get that warranted approval so you can make that offer with no loan contingency. So now you're the same as cash. And so this opens the door wide open for a lot of communities that have been left behind. So as a result, we published our data for the last several years, and we've doubled the approval rates effectively.

So what we can demonstrate now, we have the data that says our approval rates for black borrowers and veterans and Hispanic borrowers are almost the same, and in some cases the same, as the approval rates for white borrowers across the country. So, so we literally like, I think black bar approval, uh, you know, we're like three, uh, one out of three black bars were being declined.

So what we can demonstrate now, we have the data that says our approval rates for black borrowers and veterans and Hispanic borrowers are almost the same, and in some cases the same, as the approval rates for white borrowers across the country. So, so we literally like, I think black bar approval, uh, you know, we're like three, uh, one out of three black bars were being declined.

Um, and after, after, and, and one out of, uh, um, like five white bars are being declined. Okay. And after applying angel AI, it went from one out of three black bars to one out of five, just like, just like white borrowers. Right. So, um, so the, the, the, The impact, the social impact is amazing.

Um, and after, after, and, and one out of, uh, um, like five white bars are being declined. Okay. And after applying angel AI, it went from one out of three black bars to one out of five, just like, just like white borrowers. Right. So, um, so the, the, the, The impact, the social impact is amazing.

are there companies that partner with it or is it like tell me through like the business side of it is it all consumer based or should businesses be utilizing as well to offer service or is it all consumers coming on and downloading yeah well it's consumers it's consumer based and it also we work through other other lenders okay okay so if you're a mortgage broker you yeah you can and I and I know Joe Joe Shelby's company uses it a lot

are there companies that partner with it or is it like tell me through like the business side of it is it all consumer based or should businesses be utilizing as well to offer service or is it all consumers coming on and downloading yeah well it's consumers it's consumer based and it also we work through other other lenders okay okay so if you're a mortgage broker you yeah you can and I and I know Joe Joe Shelby's company uses it a lot

Because they originate, they work for the consumer, and then they use Angel AI, and then you can broker it, and it comes in through my finance company. Perfect, okay. Because anyone, here's the beauty of Angel AI, anyone can use it. So any lender, any bank can use it.

Because they originate, they work for the consumer, and then they use Angel AI, and then you can broker it, and it comes in through my finance company. Perfect, okay. Because anyone, here's the beauty of Angel AI, anyone can use it. So any lender, any bank can use it.

But if you want that 100% trusted warranty, then you deliver it through Angel to my finance company, because the warranty is only good if the loan comes here. Can back it up. Got it.

But if you want that 100% trusted warranty, then you deliver it through Angel to my finance company, because the warranty is only good if the loan comes here. Can back it up. Got it.

Well, I have a much broader view of philanthropy. I think philanthropy should be a part of everything we do every single day. Right. So it is it is how we exist. And and so you should start by if you're going to be in business, You know, your answer to why am I in business shouldn't be because I want to get rich and I want to ranch like Dan.

Well, I have a much broader view of philanthropy. I think philanthropy should be a part of everything we do every single day. Right. So it is it is how we exist. And and so you should start by if you're going to be in business, You know, your answer to why am I in business shouldn't be because I want to get rich and I want to ranch like Dan.

I guarantee you if you go into business with that mindset, you're going to fail. Well, there's some people who don't, but they usually don't do anything worthwhile. So if you need to go into business with,

I guarantee you if you go into business with that mindset, you're going to fail. Well, there's some people who don't, but they usually don't do anything worthwhile. So if you need to go into business with,

who i'm going to help and how am i going to help them right and and how can i give them the maximum value um the best economics to my customer because if you can deliver the best economics to your customer and give them a service and a product that that is not generally available in the market you've achieved one of the major goals of philanthropy.

who i'm going to help and how am i going to help them right and and how can i give them the maximum value um the best economics to my customer because if you can deliver the best economics to your customer and give them a service and a product that that is not generally available in the market you've achieved one of the major goals of philanthropy.

And business philanthropy, I think, is the best form because it's a never-ending circle. So, for example, that's why with Angel AI we give credit repair for free. Credit repair services cost like $200 a trade line and stuff like that. It's awful. Usually people who end up paying those kinds of money for credit repair They can't afford it as it is, is what got them in trouble, right?

And business philanthropy, I think, is the best form because it's a never-ending circle. So, for example, that's why with Angel AI we give credit repair for free. Credit repair services cost like $200 a trade line and stuff like that. It's awful. Usually people who end up paying those kinds of money for credit repair They can't afford it as it is, is what got them in trouble, right?