Built for mortgage. Not adapted for it.
Cohivra is a U.S. mortgage operations company. We handle title and settlement, origination, and servicing for lenders, title companies, and servicers who need the work done — accurately, on time, without the overhead of building an in-house team.
Our Story
We came from inside the mortgage cycle. That matters more than it sounds.
Most vendors handle mortgage alongside a dozen other industries. Their teams learn from manuals and process guides. When volume spikes or a file gets complicated, the gaps show up fast.
Cohivra was built differently. Our training covers the full US mortgage and title lifecycle, ALTA standards, TRID requirements, and state-specific recording rules — across all 50 states, not just the high-volume ones. We added AI to handle the ordering, tracking, and follow-up work that burns through processor time. The people handle the judgment. The AI handles the volume. Every file gets a QC review before it leaves our team.
That's how we've maintained Industry-leading title commitment accuracy across 800,000+ files.
Sam Verma
Founder and CEO
Sam has spent over two decades in U.S. mortgage operations, across origination, default management, and title agency work. She is based in Austin, Texas.
She started Cohivra because she kept working with vendors who could handle volume but not complexity — and operators who understood the complexity but couldn't scale. Cohivra was built to do both.
Nikhil Botla
Cofounder and COO
Nikhil has spent close to a decade in U.S. mortgage operations, and most of it he spent doing the work rather than managing it from a distance. He has worked across origination, servicing, and title and settlement, and has since built and run the teams that handle all three. He leads Cohivra's delivery operations from Bengaluru.
He also spent years on the commercial side, building partnerships with lenders, servicers, and title agencies and staying on those accounts long after the contract was signed. Sitting on both sides of the relationship taught him where this business actually breaks. Not in the difficult files, which good people handle every day, but in the handoffs, the exceptions nobody wrote down, and the distance between what a status report says and what is really happening on the file.
That is the problem he builds against at Cohivra. He designs the process around the complexity instead of hoping people absorb it, trains the teams that run it, sets the controls that hold when volume climbs, and gives clients reporting that tells them where every file stands and what is holding it up.