About Us.
At Saaf Finance, we are redefining the future of mortgage lending with AI-driven automation. Our mission is to empower lenders, investors, and third-party review firms with cutting-edge AI underwriting solutions that streamline operations, reduce costs, and accelerate decision-making.
Our AI workforce transforms underwriting by automating document review, data extraction, digital data ingestion, and risk assessment—eliminating inefficiencies while ensuring accuracy and compliance. Whether you're handling CONV loans, Non-QM loans, second mortgages, or Home Equity Lines of Credit (HELOCs), Saaf’s AI-powered platform is built to scale with your needs.
Trained on 200,000+ real mortgage loans, our AI Underwriter works seamlessly with your existing systems—including Encompass, MeridianLink, and key data vendors—to provide structured, source-of-truth data, reducing fraud risk and improving decision-making.
At Saaf, we believe AI should enhance human expertise, not replace it. Our AI underwriters act as force multipliers for your team, allowing them to focus on high-value tasks like customer engagement and strategic decision-making.
With a commitment to precision, innovation, and partnership, Saaf Finance helps you stay ahead of the curve—so you can focus on what matters most: building stronger borrower relationships and driving business growth.
200K+
Real mortgage loans used to train our AI engine
>5x
ROI based on current vendor and capital cost
80%
Time saved per loan for your operations team
20+
Years of mortgage diligence and underwriting expertise
Saaf leverages decades of
mortgage diligence, operations and technology expertise
Saaf Finance Leadership
Charles Schorin
Board of Directors Member
40+ years as a mortgage industry leader. Founder mortgage trading and securitization business at Elliott Management. Global Head of Securitization research, MD at Morgan Stanley
​
Ritvik Singh
Co-Founder and CEO
12+ years of financial services experience including mortgage research, FX trading and risk management at Citigroup and BNP Paribas and Deutsche Bank. Successfully built AI and SaaS business catering to large enterprise clients.
Deepak Subramanian
Co-founder and Head of Product and Engineering
Deep experience in financial software engineering, including building Credit Suisse’s first cross-asset platform delivering trading, risk and operational solutions for the fixed income business.
Michael Cozzocrea
Director of Mortgage Operations
30 years of Mortgage operations experience across risk management, audit, compliance, due diligence, and data quality control at Gateway Compliance, Covius LLC, PwC, Home Capital Inc., and Equicredit Corporation of America.
