Celligence

What Celligence does

Celligence LLC is a private fintech and AI company founded in 2021 and headquartered in Bayamon, Puerto Rico, operating as an affiliate of Sun West Mortgage Company, Inc. under shared CEO Pavan Agarwal. Its core product, the AngelAi platform, applies what the company describes as "AI-empathetic" technology and a proprietary "Transactional Language Model" to guide mortgage loan officers, real estate agents, and consumers through the loan lifecycle from origination to closing, with workflow automation, personalized profiling, and AI-driven recommendations layered on top. Around this core, Celligence has built a product-plus-modules ecosystem including Angel Twin (AI avatar/coaching platform), AngelSign (digital signature mobile app), white-label skins such as RealtyAi, BrokerAi, Lion, and Angiras Ai, and add-on modules like Credit Boost, No Touch Lending, and Angel Income, distributed via a self-serve web platform, mobile apps, an internal app store, and a network of 500+ agent and lender landing pages. The business model combines recurring subscription-style platform fees for mortgage technology and AI coaching services with transaction-fee exposure via the separately issued $ANGL Token, while primary distribution flows through the Sun West Mortgage origination network and partner-led GTM programs (AngelAi Champions, AngelAi Roundtable, industry conferences). The company holds an extensive trademark portfolio across 10+ jurisdictions and has positioned itself around the pending Clarity Act, targeting token-funded down payments and fractionalized home equity trading.

Name

Celligence

Legal name

Celligence LLC

Website

https://celligence.com

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

11–50 employees

Short description

Celligence LLC builds the AngelAi AI platform, providing AI-driven mortgage workflow automation, AI twins, and white-label fintech apps for loan officers, real estate agents, and consumers, operating as an affiliate of Sun West Mortgage Company.

Ownership category

akta.pro rank

Product category

Mortgage Technology Software

NAICS

Custom Computer Programming Services (541511), Software Publishers (5132), Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Services-Computer Programming Services (7371), Finance Services (6199)

akta.pro primary industry

AI Application Enablement Platforms (Copilot/Agent Frameworks, SDKs) (HDAEANAJ)

akta.pro secondary industries

AI/ML Engineering & Model Development Services (BPAEAHAF), Financial Services Personalization (Banking, Investing, Insurance) (HDAAAGAH), Model Serving, Inference & Deployment Platforms (APIs, Edge/On-Prem) (HDAEANAC)

Keywords

• AI mortgage platform
• Mortgage technology software
• AI lending solutions
• Fintech AI software
• Real estate AI tools

Headquarters

HQ city

Guaynabo

HQ country

Puerto Rico

HQ region

Latin America

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure

Revenue model

1. AngelAi Platform Services: AI-driven platform services for the mortgage and real estate industry that guide users through financial transactions from origination to closing, creating personalized profiles for tailored and efficient processing.
2. AI Coaching and Training Services: Personalized mindset coaching and mentorship through AI twins, as well as various training workshops and mastermind programs for loan officers and realtors.
3. ANGL Token: The $ANGL Token is issued by ANGL, Inc. and powers various token-funded mechanisms including potential down payments and on-chain property trading enabled by the Clarity Act legislation.
4. Mortgage Technology Services: Various mortgage-related technology services including credit boost, mortgage optimization, loan processing tools, and property listing services through the AngelAi platform.

Go-to-market motion2 records

Distribution channels5 records

Marketing channels6 records

Core offering

Celligence develops and sells the AngelAi AI-driven platform that streamlines the mortgage process by guiding users through financial transactions from origination to closing. Built on AI-empathetic technology, a proprietary Transactional Language Model, neural networks, and blockchain, the platform creates personalized user profiles and powers an ecosystem that includes Angel Twin (AI coaching avatars), AngelSign (mobile signature), white-label solutions (Lion, RealtyAi, BrokerAi, Angiras Ai), and add-on tools such as Credit Boost and No Touch Lending. The company also offers AI coaching/training services for loan officers, realtors, and personal development seekers.

Product overview

Celligence offers a platform-plus-modules architecture centered on AngelAi, an AI-driven mortgage processing platform that guides users through financial transactions from origination to closing. The ecosystem includes Angel Twin (AI avatar/motivational coaching), AngelSign (mobile signature), white-label solutions (Lion, RealtyAi, BrokerAi, Angiras Ai), and add-on modules (Credit Boost, No Touch Lending). The company also offers Angel Income for financial products. The portfolio is built on AI-empathetic technology and AI user interfaces, with patents protecting the underlying fintech innovations. The $ANGL Token is a related but separately issued cryptocurrency not affiliated with Celligence LLC.

Differentiator

Problem solved

Functional benefit

Brands

• AngelAi: AI-driven platform that streamlines the mortgage process by guiding users through financial transactions from origination to closing. Features personalized profile creation and chatbot technology.
• Angel Twin

Products and services

• AngelAi AI-driven platform that streamlines the mortgage process by guiding users through financial transactions from origination to closing, creating personalized profiles for tailored and efficient processing. Built on AI-empathetic technology, AI user interfaces, neural networks, and blockchain.
• Angel Twin AI twin platform that creates personalized motivational digital avatars based on real individuals, combining neural networks and blockchain technology for mindset coaching and personal development.
• AngelSign Mobile application for digital signature and identity verification functionality, available on iOS and Android.
• Lion White-label AI solution within the AngelAi ecosystem, enabling partners to deploy branded AI capabilities.
• RealtyAi White-label AI solution designed for real estate professionals within the AngelAi ecosystem, providing property and client engagement tools.
• BrokerAi White-label AI solution designed for mortgage brokers within the AngelAi ecosystem, enabling them to deliver AI-powered client services under their own brand.
• Angiras Ai White-label AI solution within the AngelAi ecosystem, providing AI services under the Angiras brand.
• Angel Income Financial product for angel investing and income generation available within the AngelAi platform.

Quantifiable outcome

• Tokenized real estate trading expected to unlock ~$40 trillion in trapped home equity

Named customers1 record

Segments5 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability6 records

Feature7 records

Partnerships

Four partnerships are on record, tiered flagship and core.

• Twin ProtocolflagshipTechnology or Integration · 3 March 2026Twin Protocol partnered with AngelAi and Angel Twin to launch Digital Natasha, the first always-on motivational AI twin. The partnership combines neural networks and blockchain technology to deliver personalized mindset coaching. Twin Protocol provides the infrastructure for AI twin creation while AngelAi orchestrates the user experience and content delivery.
• Larry Namer (Media Visionary)flagshipStrategic or Co-development Partner · 3 March 2026Larry Namer served as media visionary orchestrating the Digital Natasha AI twin launch with AngelAi and Twin Protocol. Namer brings entertainment and media expertise to expand AI coaching services globally, extending the reach of motivational content beyond traditional formats.
• Sun West Mortgage Company, Inc.coreStrategic or Co-development PartnerSun West Mortgage Company is the parent/affiliate company of Celligence. CEO Pavan Agarwal leads both companies. Celligence operates as the technology innovation arm providing AI solutions (AngelAi platform) to enhance Sun West Mortgage's mortgage origination and processing capabilities. This is a closely integrated affiliate relationship rather than a typical external partnership.
• ANGL, Inc.coreTechnology or IntegrationANGL, Inc. is the issuer of the $ANGL Token, which is referenced on Celligence's platforms. The token is not affiliated with Celligence LLC directly but powers token-funded mechanisms on the AngelAi platform including potential token-funded down payments enabled by the Clarity Act legislation.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Zillow: Largest U.S. real estate platform with mortgage arm (Zillow Home Loans) integrating AI search, valuation, and consumer pre-qualification — serves overlapping realtor and homebuyer segments.
• Rocket Mortgage: Largest U.S. retail mortgage lender with significant proprietary AI/ML investment across the origination funnel — overlapping with Celligence's AI-driven mortgage workflow but at vastly greater scale.

Direct peers

• Better.com: Digital-first mortgage lender that has been aggressively deploying AI-driven origination, borrower experience, and loan officer productivity tools — directly competing with AngelAi's mortgage AI positioning.
• Polly: Mortgage technology platform (now part of Black Knight/ICE) providing pricing, secondary automation and AI-driven loan officer tools — competing for the same lender technology stack.
• Blend: Mortgage technology infrastructure platform that powers consumer lending applications for banks and lenders with embedded AI — highly comparable to AngelAi's white-label lender platform play.
• Upstart: AI-driven consumer lending marketplace using proprietary models for credit decisioning; demonstrates the verticalized AI lending model Celligence is pursuing for mortgage origination.
• Maxwell: Mortgage technology company providing point-of-sale, workflow automation, and AI-driven lead engagement tools to lenders — directly comparable to AngelAi's loan officer enablement focus.
• LoanSnap: AI-driven mortgage lender that analyzes borrower finances to recommend optimized loan structures — overlapping with Celligence's personalized, empathetic AI mortgage guidance thesis.

Emerging players

• Figure Technologies: Blockchain + AI applied to home equity (HELOC) and real estate on its Provenance blockchain — adjacent to Celligence's tokenized home equity narrative tied to the Clarity Act.
• Casca: AI-native loan origination and underwriting automation startup targeted at community banks and credit unions — overlaps with the AI-driven loan officer and mortgage workflow category Celligence targets.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/CelligenceTech
• YouTubeyoutube.com/@Celligence/playlists
• Facebookfacebook.com/celligence
• LinkedInlinkedin.com/company/celligence
• Instagraminstagram.com/celligencetech

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Celligence