What Rezyfi does

RezyFi, Inc. is the parent holding company of ResMac, Inc., a residential mortgage banking platform headquartered in West Covina, California. Through ResMac, RezyFi originates, acquires, and sells residential mortgage loans and provides loan servicing covering payment collection, escrow management, and loss mitigation. ResMac operates under a HUD Title II non-supervised direct endorsement approval and is an approved non-bank seller/servicer with Freddie Mac, FHA, USDA, and VA, with state mortgage licenses across 29 states plus the District of Columbia. The platform has historically closed approximately 20,000 loans, serves roughly 15,000 clients, and funds approximately $140 million in annual mortgage production while managing a $300 million+ servicing portfolio.

Beyond traditional mortgage banking, RezyFi operates Rezy.Fi, a blockchain-based mortgage tokenization platform built on the Avalanche network using the Nomyx issuance engine, which targets qualified investors with KYC/AML-compliant onboarding and institutional wallet provisioning. Revenue is generated through transaction-fee-based loan origination, gain-on-sale economics to agency and government investors, and servicing fees, with a planned platform-fee model for the tokenization layer that remains at pilot stage. The company is sales-led for institutional mortgage banking distribution and is pursuing both B2B origination and direct-to-investor distribution through the tokenization platform.

RezyFi is currently undergoing a corporate control transition: ECGI Holdings signed a definitive agreement in March 2026 to acquire RezyFi for $25 million in Series E Non-Voting Convertible Preferred Stock, while Netcapital signed a non-binding LOI in June 2026 to acquire ResMac's mortgage banking assets for $5 million in stock. The company was founded in December 2021 by CEO Huy John Vu and COO/Chairperson JJ Zhang, with CFO Yury Pyatigorsky and several independent directors added in 2024 as the firm pursued IPO plans.

Name

Rezyfi

Legal name

RezyFi, Inc.

Website

https://rezyfi.com

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

RezyFi is the parent holding company of ResMac, Inc., a residential mortgage originator and servicer licensed in 29 states plus DC, funding approximately $140 million in annual mortgage production and managing a $300 million+ servicing portfolio, while building a blockchain-based mortgage tokenization platform on Avalanche.

Ownership category

akta.pro rank

Product category

Residential Mortgage Banking

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Renovation Mortgage Origination (FHA 203(k), HomeStyle, CHOICERenovation) (FSALAAAL)

akta.pro secondary industry

Credit Risk Transfer (CRT) & Mortgage Credit Securities (CAS/STACR/ACIS) (FSALAFAH)

Keywords

• Residential mortgage lending
• Mortgage loan servicing
• Non-bank mortgage banking
• Mortgage tokenization
• Real estate financing

Headquarters

HQ city

West Covina

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Loan Production: Focuses on origination, acquisition, and sale of mortgage loans. Generates new residential mortgage loans targeting both portfolio retention and sales to various investors including Agencies (Freddie Mac). Approximately $140 million in annual mortgage funding.
2. Loan Servicing: Manages servicing for both newly originated loans destined for sale and those serviced on behalf of third parties. Covers payment collection, escrow account management, and loss mitigation endeavors.
3. Mortgage Tokenization Platform Fees: Transaction- and platform-usage-based fee model for tokenizing real-world mortgage assets. Expected to finalize commercial platform launch following pilot validation.

Go-to-market motion2 records

Distribution channels1 record

Core offering

RezyFi operates residential mortgage lending and servicing through its wholly-owned subsidiary ResMac, Inc., a non-bank mortgage banker licensed in 29 states plus the District of Columbia with HUD Title II direct endorsement, Freddie Mac seller/servicer approval, and FHA/USDA/VA lender-servicer status. The company originates, acquires, and services residential mortgage loans with approximately $140 million in annual production and a $300 million+ servicing portfolio. RezyFi also operates Rezy.Fi, a blockchain-based mortgage tokenization platform on the Avalanche network that enables qualified investors to access tokenized residential mortgage assets with KYC/AML verification and programmable compliance.

Product overview

RezyFi operates a comprehensive mortgage banking platform centered around its subsidiary ResMac, Inc. The company offers two core business segments: Loan Production (origination, acquisition, and sale of mortgage loans targeting portfolio retention and sales to investors including Freddie Mac and other agencies) and Loan Servicing (managing payment collection, escrow account management, and loss mitigation for both proprietary and third-party loans). ResMac, Inc. serves as the principal operating entity, providing non-bank mortgage banking services with licenses across 29 states plus D.C., including HUD Title II direct endorsement and approvals from Freddie Mac, FHA, USDA, and VA.

Differentiator

Problem solved

Functional benefit

Products and services

• Loan Production (Mortgage Origination) Origination, acquisition, and sale of residential mortgage loans. Generates new residential mortgage loans targeting both portfolio retention and sales to investors including Freddie Mac, FHA, USDA, and VA.
• Loan Servicing Manages servicing for both newly originated loans destined for sale and loans serviced on behalf of third parties. Operations cover payment collection, escrow account management, and loss mitigation.
• Rezy.Fi Mortgage Tokenization Platform Blockchain-based platform for tokenizing residential mortgage loans, enabling qualified institutional and accredited investors to access the U.S. residential mortgage market through on-chain ownership tracking, KYC/AML verification, and settlement workflows on the Avalanche network.
• ResMac, Inc. Mortgage Banking Services Principal operating subsidiary providing non-bank residential mortgage banking services, including origination and servicing across conforming, FHA, VA, USDA, and specialized financing programs, delivered under multiple state and federal agency licenses.

Quantifiable outcome

• $140 million in annual mortgage funding through 29-state licensed platform
• +2 more outcomes

Named customers4 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Three partnerships are on record, tiered core.

• Avalanche (Blockchain)coreTechnology or Integration · 19 May 2026Avalanche blockchain was selected for its sub-second transaction finality and predictable costs, which are critical for supporting repeated token lifecycle events including onboarding, compliance checks, ownership tracking, and settlement workflows at mortgage tokenization scale.
• ECGI HoldingscoreStrategic or Co-development Partner · 24 March 2026ECGI Holdings signed a definitive Share Exchange Agreement to acquire RezyFi for $25 million in ECGI Series E Non-Voting Convertible Preferred Stock. The acquisition aims to add a 29-state licensed mortgage origination platform with approximately $140 million in annual mortgage funding to combine mortgage origination, compliance, reporting, and tokenization within one operating platform.
• Nomyx Technology LabscoreTechnology or Integration · 24 February 2026ECGI Holdings entered into a platform services agreement with Nomyx Technology Labs to begin a live pilot testing tokenization of up to $10 million in mortgage loans originated by ResMac. Nomyx provides the issuance engine powering the Rezy.Fi platform on Avalanche blockchain.

Scale indicators9 records

Recent moves9 records

Expansion highlights5 records

Direct peers

• Guild Mortgage: Mid-size retail mortgage lender with multi-state licensing and agency approvals, comparable in scale and channel mix to ResMac's residential origination footprint.
• loanDepot: Large non-bank retail mortgage originator and servicer with multi-channel production (retail, wholesale, partner), directly comparable to RezyFi's ResMac in business model and target borrower base.
• NewRez (Rithm Capital): Non-bank mortgage originator and servicer with agency approvals and MSR investing activity, comparable to RezyFi/ResMac's origination-plus-servicing model.
• Mr. Cooper Group: One of the largest U.S. non-bank mortgage servicers with a sizable MSR portfolio, directly comparable to ResMac's $300M+ servicing book and complementary origination capabilities.
• Caliber Home Loans: Non-bank retail and wholesale mortgage originator and servicer with similar agency (Fannie/Freddie, FHA, VA, USDA) approvals and multi-state licensing, comparable to ResMac's profile.
• Ocwen Financial: Non-bank mortgage servicer with large sub-servicing portfolio, directly comparable to ResMac's servicing business model and counter-cyclical servicing exposure.
• PennyMac Financial Services: Non-bank mortgage company combining loan production (PennyMac Mortgage) and a large servicing portfolio (PennyMac Loan Services), mirroring RezyFi/ResMac's origination-plus-servicing structure.

Broad incumbents

• Rocket Mortgage (Rocket Companies): Largest U.S. non-bank retail mortgage originator with broad digital capabilities; a broad incumbent in residential mortgage origination that competes for the same agency-eligible borrowers ResMac serves.
• United Wholesale Mortgage: Leading wholesale mortgage lender with large production volume, a broad incumbent overlapping with ResMac's potential broker and partner channels across the 29-state footprint.

Emerging players

• Figure Technologies: Blockchain-enabled consumer lending and RWA platform applying distributed-ledger technology to lending assets, comparable to RezyFi's tokenization ambitions on Avalanche.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

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 Rezyfi