zIngenuity, Inc. is a mortgage risk consulting firm headquartered in Irving, Texas, focused on helping lenders and servicers navigate the ever changing mortgage finance landscape. Founded in 2005 by mortgage industry veterans, zIngenuity’s initial focus was to assist lenders in enhancing value and income from their mortgage insurance and captive reinsurance company investments. We were instrumental in creating the first non-prime credit and the first 2nd lien captive reinsurance companies and related transactions. We have been innovators in the mortgage insurance reinsurance arena and have worked with most of the large national mortgage originating banks and Wall Street firms to facilitate originations and provide income and credit protection using mortgage insurance captives. In the process, we have earned or saved our clients hundreds of millions of dollars with our creativity and know-how.

In 2009, the firm added defense and resolution services to its offerings and advocated for our lender clients to resolve issues related to mortgage insurance rescissions and denials, as well as investor repurchase demands. As the housing market and overall economy turned, our focus changed from helping lenders increase profits to helping lenders and servicers anticipate and reduce mortgage credit losses. Our current suite of products includes:

  • Origination Quality Control
  • Mortgage Fulfillment Services
  • Mortgage Repurchase and MI Rescission Defense
  • Counterparty Due Diligence
  • MSR & Loan Due Diligence
  • Mortgage Analytics
  • Mortgage Insurance Services
  • Litigation Support

zIngenuity is also an active acquirer of run-off lender captive reinsurance companies.

Looking forward, we are now working with our lender clients to anticipate and lead in the new paradigm of mortgage origination and credit enhancement.

Contact Us

For general information:

President and CEO

Director of Human Resources and Accounting