GoRascal
GoRascal is a privately held, Brooklyn-based mortgage broker and lender operating in all 50 U.S. states through a distributed network of 150+ loan officers. Founded in 2020, it offers nine mortgage loan programs plus digital tools (rate quotes, pre-qualification, Rate Watch alerts) for individual homebuyers and homeowners.
- Company typePrivate
- Founded2020
- HeadquartersBrooklyn, United States
- Headcount251–500
- GTM typeB2C
- OfferingServices
What GoRascal does
GoRascal is a privately held, Brooklyn-headquartered mortgage broker and lender (NMLS #2072896) founded in 2020 by Scott Valins and David Williams. The company operates under the legal name Go Rascal Inc. from 185 Wythe Ave, Suite A2, and is licensed to originate and broker mortgages across all 50 U.S. states. Its core offering is a unified mortgage services platform covering nine loan programs: Fixed-Rate, FHA, VA, Jumbo, Adjustable-Rate, USDA, First-Time Home Buyer, Reverse, and Interest-Only mortgages. The platform is built on standard industry loan origination systems with no proprietary technology stack disclosed.
The go-to-market is sales-led and hybrid: free digital self-serve tools (rate quotes in 60 seconds, pre-qualification, calculators, Rate Watch subscription alerts) feed a distributed network of 150+ loan officers who close loans with personalized service. Marketing spans SEO content, social media (Facebook, LinkedIn, X, Instagram), email/SMS rate alerts, and community events. Revenue is generated transactionally through origination fees, loan servicing rights, and spreads on closed loans, with no public pricing or revenue disclosures. The company serves a horizontal customer base of individual homebuyers and homeowners seeking purchase or refinance mortgages, and reports strong customer ratings (4.9/5 across 50+ on-site reviews and 40+ Zillow reviews) plus a 2026 Best Mortgage Companies to Work For recognition from National Mortgage News.
The business is bootstrapped with no disclosed funding rounds, M&A activity, or institutional investment. Headcount is reported at 11-50 employees (primarily HQ), with the larger 150+ loan officer base operating as distributed originators rather than centralized staff. GoRascal has not disclosed revenue, valuation, app presence, public APIs, AI/ML capabilities, or patents and trademarks. Its strategic posture is founder-led, capital-efficient national scaling through distribution rather than technology differentiation.
GoRascal firmographics
Firmographics- Name
- GoRascal
- Legal name
- Go Rascal Inc.
- Website
- https://gorascal.com
- Company type
- Private
- Founded year
- 2020
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- GoRascal is a privately held, Brooklyn-based mortgage broker and lender operating in all 50 U.S. states through a distributed network of 150+ loan officers. Founded in 2020, it offers nine mortgage loan programs plus digital tools (rate quotes, pre-qualification, Rate Watch alerts) for individual homebuyers and homeowners.
- Ownership category
- akta.pro rank
GoRascal industry classification
Industry- Product category
- Residential Mortgage Brokerage & Lending
- NAICS
- Mortgage and Nonmortgage Loan Brokers (522310)
- SIC
- Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)
- akta.pro primary industry
- Retail Residential Mortgage Brokers (Purchase & Refinance) (FSALABAA)
- akta.pro secondary industry
- Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)
Keywords
Where GoRascal is headquartered
LocationHeadquarters
- HQ city
- Brooklyn
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
GoRascal business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Operations, Technology or R&D, Others
Revenue model
- Mortgage Origination & Brokerage: GoRascal generates revenue by originating mortgages and acting as a broker between borrowers and lenders. Revenue is earned through origination fees, loan servicing rights, and spreads on closed loans.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Free rate quote and pre-qualification |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels5 records
GoRascal product offering
Product offeringCore offering
GoRascal is a licensed mortgage broker and lender that originates residential mortgage loans and brokers them between borrowers and lenders. It offers nine mortgage loan programs (Fixed-Rate, FHA, VA, Jumbo, ARM, USDA, First-Time Home Buyer, Reverse, and Interest-Only) alongside free digital tools including rate quotes, pre-qualification, mortgage calculators, and a Rate Watch alert subscription. The company is licensed to operate across all 50 U.S. states through a network of 150+ loan officers.
Product overview
GoRascal is a mortgage brokerage company offering a unified mortgage services platform. The core product portfolio includes nine distinct mortgage loan programs: Fixed-Rate Mortgage, FHA Mortgage, VA Mortgage, Jumbo Mortgage, Adjustable Rate Mortgage (ARM), USDA Mortgages, First Time Home Buyer Mortgages, Reverse Mortgages, and Interest Only Mortgages. These are complemented by digital tools including Rate Watch (rate alert subscription service) and Calculators for financial planning. The company also provides supporting services such as free rate quotes, pre-qualification, loan application processing, rate locking, loan processing, underwriting, and closing services. The platform is designed to guide borrowers through the entire mortgage journey from initial rate shopping through closing, operating as a licensed mortgage broker and lender across all 50 states.
Differentiator
Problem solved
Functional benefit
Products and services
- Fixed-Rate Mortgage Traditional residential mortgage product with a fixed interest rate for the life of the loan, providing predictable monthly payments for home purchase or refinance borrowers.
- FHA Mortgage Government-backed residential mortgage insured by the Federal Housing Administration, designed for first-time homebuyers and borrowers with lower credit scores.
- VA Mortgage Home loan program for eligible veterans, active-duty service members, and surviving spouses, backed by the U.S. Department of Veterans Affairs.
- Jumbo Mortgage Residential mortgage loan exceeding conforming loan limits, designed for higher-value properties and higher-net-worth borrowers.
- Adjustable Rate Mortgage (ARM) Residential mortgage with an interest rate that adjusts periodically based on prevailing market conditions after an initial fixed period.
- USDA Mortgage Zero-down-payment residential mortgage program for rural and suburban homebuyers, backed by the U.S. Department of Agriculture.
- First-Time Home Buyer Mortgage Tailored loan programs for individuals purchasing their first home, often featuring lower down payments and favorable qualifying terms.
- Reverse Mortgage Home loan product allowing homeowners, typically seniors, to convert home equity into cash without monthly mortgage payments.
- Interest-Only Mortgage Residential mortgage allowing borrowers to pay only the interest for a set initial period, reducing monthly payments temporarily before principal repayment begins.
- Rate Quote Service Free service providing prospective borrowers with personalized mortgage rate estimates in approximately 60 seconds, with no impact on credit score and no obligation.
- Pre-Qualification Service Initial assessment service where prospective borrowers share their financials to determine borrowing capacity and indicative mortgage rates prior to formal application.
Companies that use GoRascal
Customer profileSegments1 record
Ideal customer profiles1 record
GoRascal technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
GoRascal partnerships and signals
Strategic signalScale indicators3 records
Recent moves5 records
Expansion highlights5 records
GoRascal competitors and assessment
Company assessmentEmerging players
- SoFi: SoFi is a digital financial services platform offering home purchase and refinance mortgages alongside lending and banking products. It overlaps GoRascal in residential mortgage origination targeting digital-native consumers and competes for the same purchase/refi demand.
- Zillow Home Loans: Zillow Home Loans is a digital mortgage lender offering purchase and refinance products to consumers using Zillow's real estate audience as a top-of-funnel. It is comparable to GoRascal as a content/marketing-driven online mortgage originator.
Broad incumbents
- United Wholesale Mortgage (UWM): UWM is the largest U.S. wholesale mortgage lender, distributing exclusively through independent mortgage brokers. It serves the same broker channel ecosystem in which GoRascal operates on the broker/lender side.
- Compass: Compass is a national residential real estate brokerage that originated and at times funded mortgages through its Compass Mortgage arm. It competes with GoRascal in serving homebuyers and refinancers via agent/loan-officer assisted channels.
- loanDepot: loanDepot operates both retail (consumer-direct) and wholesale mortgage channels offering conventional, government, and Jumbo products. It is comparable to GoRascal as a multi-channel retail residential mortgage lender with a distributed loan-officer-style sales force.
- Rocket Mortgage: Rocket Mortgage is the largest U.S. retail mortgage originator, offering fixed-rate, FHA, VA, Jumbo, and refinance products direct-to-consumer online. It competes with GoRascal across the same retail residential purchase/refi channels but at vastly greater scale and with proprietary technology.
Direct peers
- Better.com: Better.com is a digital-first mortgage lender offering purchase and refinance mortgages online with a fully self-serve application flow. It directly overlaps GoRascal in retail residential mortgage brokerage/lending with a tech-led, no-loan-officer-default model, representing both competitor and strategic contrast.
- NewRez (Newcastle Investment Holdings): NewRez is a retail and wholesale mortgage lender offering conventional, FHA, VA, USDA, and Jumbo products through a distributed loan-officer network. Its multi-channel retail/wholesale model and product breadth are directly comparable to GoRascal.
- Homepoint: Homepoint is a wholesale and retail mortgage lender that distributes through a network of loan officers across the U.S. Its product mix (conventional, government, Jumbo) and LO-led distribution closely mirror GoRascal's broker/lender model.
- LendingTree: LendingTree operates a mortgage marketplace that matches borrowers with multiple lenders, plus its own direct mortgage offering. It is highly comparable to GoRascal as a lead-generation and rate-shopping platform feeding broker/lender fulfillment.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
GoRascal social profiles
Digital presenceGoRascal financial estimates
Financial estimateRevenue estimate
Valuation estimate
GoRascal leadership team
Management profileNumber of profiles
Profiles2 records
GoRascal funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
GoRascal M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about GoRascal
What does GoRascal do?
GoRascal is a licensed mortgage broker and lender that originates residential mortgage loans and brokers them between borrowers and lenders. It offers nine mortgage loan programs (Fixed-Rate, FHA, VA, Jumbo, ARM, USDA, First-Time Home Buyer, Reverse, and Interest-Only) alongside free digital tools including rate quotes, pre-qualification, mortgage calculators, and a Rate Watch alert subscription. The company is licensed to operate across all 50 U.S. states through a network of 150+ loan officers.
Is GoRascal a public or private company?
GoRascal is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was GoRascal founded?
GoRascal was founded in 2020. It employs 251 to 500 people.
Where is GoRascal based?
GoRascal is headquartered in Brooklyn, United States, in the North America region.
How does GoRascal make money?
One revenue line is on record: mortgage Origination & Brokerage.
Who are GoRascal's main competitors?
Emerging players on record are SoFi and Zillow Home Loans. Broad incumbents are United Wholesale Mortgage (UWM), Compass, loanDepot and Rocket Mortgage. Direct peers are Better.com, NewRez (Newcastle Investment Holdings), Homepoint and LendingTree.
Does GoRascal have an API?
No public API is recorded for GoRascal.
What industry is GoRascal in?
GoRascal's product category is Residential Mortgage Brokerage & Lending. Its primary akta.pro industry code is FSALABAA, Retail Residential Mortgage Brokers (Purchase & Refinance), with a secondary code of FSAEAEAA, Residential Mortgage Brokerage (Purchase & Refinance). Its NAICS code is 522310 and its SIC code is 6163.