Fincast
Fincast is a Miami-based, NMLS-licensed mortgage broker that runs an AI-powered marketplace enabling homebuyers to anonymously shop their existing Loan Estimate against a network of 23+ lenders who compete with bids, earning revenue through per-connection fees paid by lenders.
- Company typePrivate
- Founded2021
- HeadquartersMiami, United States
- Headcount1–10
- GTM typeB2C
- OfferingDigital Commerce or Content
What Fincast does
Fincast, Inc. is a Miami-based, privately held Delaware corporation founded in 2021 that operates an AI-powered digital mortgage shopping marketplace. The platform enables homebuyers who already hold at least one Loan Estimate to upload it (PDF, screenshot, or photo), have their personal information automatically anonymized, and have the offer anonymously shopped across a network of 23+ vetted lenders (including Capital Home Loans, Barrett Financial, Huntington, Total Mortgage, Republic Bank, Cross Country Mortgage, Primerica, and CMG Home Loans) who can submit competing bids, typically returning offers within 24 hours. Consumers access the platform for free through a self-serve web flow, while lenders receive anonymized qualified connections through a dedicated Lender Portal and pay a small, undisclosed fixed fee per connection. The company holds NMLS Consumer Access #2496069 and operates as a licensed mortgage broker (not a lender or correspondent), with current operations limited to Colorado, Texas, and Florida. Supporting products include a public Savings Dashboard for side-by-side comparison, a Market Insights data product publishing state-level loan estimate analytics, and an educational blog plus newsletter (The Fincast Brief) that drive organic top-of-funnel traffic, including a Reddit community of 1K+ trusted users.
The core technology is patent-pending AI that anonymizes and standardizes loan estimate documents while preserving the rate, fee, and term data needed for comparison, enabling an automated shopping and bid-collection workflow. Fincast's revenue is generated entirely on the lender side via per-connection transaction fees; consumer pricing is zero-cost. The go-to-market motion is product-led growth combined with a marketplace listing model, relying on organic channels (Reddit, SEO, newsletter, blog) rather than paid acquisition. The company is founder-led (Benjamin Schieken) with a 1-10 person team, has not disclosed any external funding rounds, and is subject to compliance with ECOA, TILA, RESPA, TCPA, GLBA, and CCPA.
Fincast firmographics
Firmographics- Name
- Fincast
- Legal name
- Fincast, Inc.
- Website
- https://gofincast.com
- Company type
- Private
- Founded year
- 2021
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Fincast is a Miami-based, NMLS-licensed mortgage broker that runs an AI-powered marketplace enabling homebuyers to anonymously shop their existing Loan Estimate against a network of 23+ lenders who compete with bids, earning revenue through per-connection fees paid by lenders.
- Ownership category
- akta.pro rank
Fincast industry classification
Industry- Product category
- Mortgage Marketplace
- NAICS
- Mortgage and Nonmortgage Loan Brokers (522310)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- Marketplace & Loan Aggregation Platforms (Borrower-Lender Matching) (FSAGAHAL)
- akta.pro secondary industry
- Debt Management & Paydown (Student Loans, Credit Cards) (FSAGADAD)
Keywords
Where Fincast is headquartered
LocationHeadquarters
- HQ city
- Miami
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Fincast business model
Business model- GTM type
- B2C
- Offering type
- Digital Commerce or Content
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Others
Revenue model
- Lender Connection Fees: Lenders pay a small, fixed fee each time they receive a connection (qualified lead) through the Fincast marketplace platform. This is a transaction-based revenue model where lender costs scale with lead volume and quality.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Pay-as-you-go | Free for consumers |
| Transaction based/ take rate | Pay-as-you-go | Lender pay-per-connection |
Go-to-market motion2 records
Distribution channels1 record
Marketing channels4 records
Fincast product offering
Product offeringCore offering
Fincast operates an AI-powered digital mortgage marketplace where consumers upload their existing Loan Estimate and the platform anonymizes the data, shops it across a vetted network of 23+ lenders, and returns competing bids within 24 hours via a side-by-side Savings Dashboard. The platform is free for consumers and operates as a licensed mortgage broker (NMLS #2496069); lenders pay a fixed per-connection fee for qualified leads. Currently available to residents of Colorado, Texas, and Florida.
Product overview
Fincast operates as a single unified digital mortgage shopping platform that connects homebuyers with competing lender offers. The core product is the Fincast Mortgage Shopping Platform, which uses AI to anonymize and shop Loan Estimates across a vetted lender network. Supporting this platform are the Savings Dashboard for comparing competing offers, the Lender Portal for lenders to submit bids, Market Insights for state-by-state loan data, Educational Blog Content for consumer guidance, and FAQ Resources. The platform is free for consumers and is currently available in Colorado, Texas, and Florida, operating as a licensed mortgage broker (NMLS #2496069) rather than a direct lender.
Differentiator
Problem solved
Functional benefit
Quantifiable outcome
- On average, customers save 0.75 percentage points on their mortgage rate by comparing offers through Fincast
- +1 more outcomes
Companies that use Fincast
Customer profileNamed customers3 records
Segments1 record
Ideal customer profiles2 records
Fincast technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability6 records
Feature1 record
Fincast partnerships and signals
Strategic signalPartnerships
24 partnerships are on record, tiered core.
- Capital Home LoanscoreLender partner in Fincast's mortgage marketplace network. Receives anonymized loan estimate connections from Fincast, enabling the lender to offer competitive rates to matched borrowers.
- Barrett FinancialcoreLender partner in Fincast's mortgage marketplace network. Receives anonymized loan estimate connections from Fincast, enabling the lender to offer competitive rates to matched borrowers.
- HuntingtoncoreLender partner in Fincast's mortgage marketplace network. Receives anonymized loan estimate connections from Fincast, enabling the lender to offer competitive rates to matched borrowers.
- Total MortgagecoreLender partner in Fincast's mortgage marketplace network. Receives anonymized loan estimate connections from Fincast, enabling the lender to offer competitive rates to matched borrowers.
- Republic BankcoreLender partner in Fincast's mortgage marketplace network. Receives anonymized loan estimate connections from Fincast, enabling the lender to offer competitive rates to matched borrowers.
- GoRascalcoreLender partner in Fincast's mortgage marketplace network. Receives anonymized loan estimate connections from Fincast, enabling the lender to offer competitive rates to matched borrowers.
- Mint MortgagecoreLender partner in Fincast's mortgage marketplace network. Receives anonymized loan estimate connections from Fincast, enabling the lender to offer competitive rates to matched borrowers.
- CMG Home LoanscoreLender partner in Fincast's mortgage marketplace network. Receives anonymized loan estimate connections from Fincast, enabling the lender to offer competitive rates to matched borrowers.
- HomeSimplycoreLender partner in Fincast's mortgage marketplace network. Receives anonymized loan estimate connections from Fincast, enabling the lender to offer competitive rates to matched borrowers.
- LoansteadycoreLender partner in Fincast's mortgage marketplace network. Receives anonymized loan estimate connections from Fincast, enabling the lender to offer competitive rates to matched borrowers.
- Ignite Loan PartnerscoreLender partner in Fincast's mortgage marketplace network. Receives anonymized loan estimate connections from Fincast, enabling the lender to offer competitive rates to matched borrowers.
- BeelinecoreLender partner in Fincast's mortgage marketplace network. Receives anonymized loan estimate connections from Fincast, enabling the lender to offer competitive rates to matched borrowers.
- Luminate BankcoreLender partner in Fincast's mortgage marketplace network. Receives anonymized loan estimate connections from Fincast, enabling the lender to offer competitive rates to matched borrowers.
- Cross Country MortgagecoreLender partner in Fincast's mortgage marketplace network. Receives anonymized loan estimate connections from Fincast, enabling the lender to offer competitive rates to matched borrowers.
- E Mortgage CapitalcoreLender partner in Fincast's mortgage marketplace network. Receives anonymized loan estimate connections from Fincast, enabling the lender to offer competitive rates to matched borrowers.
- Georgia Banking CompanycoreLender partner in Fincast's mortgage marketplace network. Receives anonymized loan estimate connections from Fincast, enabling the lender to offer competitive rates to matched borrowers.
- PrimericacoreLender partner in Fincast's mortgage marketplace network. Receives anonymized loan estimate connections from Fincast, enabling the lender to offer competitive rates to matched borrowers.
- TOMO MortgagecoreLender partner in Fincast's mortgage marketplace network. Receives anonymized loan estimate connections from Fincast, enabling the lender to offer competitive rates to matched borrowers.
- Canter Financial LLCcoreLender partner in Fincast's mortgage marketplace network. Receives anonymized loan estimate connections from Fincast, enabling the lender to offer competitive rates to matched borrowers.
- District LendingcoreLender partner in Fincast's mortgage marketplace network. Receives anonymized loan estimate connections from Fincast, enabling the lender to offer competitive rates to matched borrowers.
- RalocoreLender partner in Fincast's mortgage marketplace network. Receives anonymized loan estimate connections from Fincast, enabling the lender to offer competitive rates to matched borrowers.
- SD Mortgage CouplecoreLender partner in Fincast's mortgage marketplace network. Receives anonymized loan estimate connections from Fincast, enabling the lender to offer competitive rates to matched borrowers.
- Princeton MortgagecoreLender partner in Fincast's mortgage marketplace network. Receives anonymized loan estimate connections from Fincast, enabling the lender to offer competitive rates to matched borrowers.
- F5 MortgagecoreLender partner in Fincast's mortgage marketplace network. Receives anonymized loan estimate connections from Fincast, enabling the lender to offer competitive rates to matched borrowers.
Scale indicators1 record
Recent moves6 records
Expansion highlights5 records
Fincast competitors and assessment
Company assessmentDirect peers
- Credible: Credible (acquired by Fox Corporation) operates a multi-product consumer finance marketplace for student loans, mortgages, personal loans, and credit cards, matching borrowers with competing lender offers. It is a direct analogue as a multi-lender comparison marketplace, though broader in product scope than Fincast's mortgage-only focus.
- Better.com: Better.com is a digital mortgage lender and broker that offers a streamlined online mortgage application and rate-shopping experience. It overlaps directly with Fincast's value proposition of helping consumers find better mortgage rates digitally.
Broad incumbents
- Bankrate: Bankrate (owned by Red Ventures) is one of the largest U.S. consumer finance content and lead-generation sites, with a major mortgage comparison and rate-table franchise. It competes with Fincast for organic mortgage-shopping search traffic and lender lead flow, though via traditional lead-gen rather than anonymized shopping.
- LendingTree: LendingTree is the largest U.S. consumer loan marketplace, connecting borrowers with multiple lenders across mortgage, personal, auto, and credit products via lead generation. It is the closest large-scale analogue to Fincast's marketplace model, though it sells borrower data to lenders rather than anonymizing loan estimates — a key architectural difference.
- loanDepot: loanDepot (LDLC) is a large national non-bank mortgage lender and broker with a sizable digital origination platform. While primarily a direct lender, it operates in adjacent shopping and rate-discovery flows that overlap with Fincast's consumer value proposition.
- Rocket Mortgage: Rocket Mortgage (Rocket Homes) is the largest U.S. mortgage originator and a vertically integrated lender that also operates a real-estate and mortgage-shopping marketplace. It competes with Fincast on the consumer side of mortgage shopping, though as a direct lender rather than a broker marketplace.
- NerdWallet: NerdWallet is a major consumer finance comparison site that drives mortgage and other loan-shopping traffic through content and lender matching. It overlaps with Fincast in the top-of-funnel mortgage comparison journey and competes for the same organic search audience.
- Zillow Home Loans: Zillow Home Loans is Zillow's mortgage origination arm, which sits adjacent to Zillow's massive home-shopping audience and includes lender matching and pre-qualification flows. It competes with Fincast by offering rate comparison and lender connections integrated directly into Zillow's home-search experience.
Emerging players
- Morty: Morty is a digital mortgage marketplace that allows consumers to compare multiple lenders' rates and shop for purchase or refinance mortgages online. It is a closely comparable direct peer in the mortgage-shopping marketplace category, targeting similar consumer use cases to Fincast.
- Beeline: Beeline is a digital mortgage broker that uses technology to streamline the mortgage application process and shop rates across multiple lenders. It is both a peer in the mortgage-shopping marketplace category and a current Fincast lender partner, illustrating the competitive-overlap dimension of the network.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks7 records
Key highlights1 record
Customer concentration
Fincast social profiles
Digital presenceFincast compliance and trust
Trust signalCompliance4 records
Fincast financial estimates
Financial estimateRevenue estimate
Valuation estimate
Fincast leadership team
Management profileNumber of profiles
Profiles1 record
Fincast funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Fincast 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 Fincast
What does Fincast do?
Fincast operates an AI-powered digital mortgage marketplace where consumers upload their existing Loan Estimate and the platform anonymizes the data, shops it across a vetted network of 23+ lenders, and returns competing bids within 24 hours via a side-by-side Savings Dashboard. The platform is free for consumers and operates as a licensed mortgage broker (NMLS #2496069); lenders pay a fixed per-connection fee for qualified leads. Currently available to residents of Colorado, Texas, and Florida.
Is Fincast a public or private company?
Fincast is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Fincast founded?
Fincast was founded in 2021. It employs 1 to 10 people.
Where is Fincast based?
Fincast is headquartered in Miami, United States, in the North America region.
How does Fincast make money?
One revenue line is on record: lender Connection Fees.
Who are Fincast's main competitors?
Direct peers on record are Credible and Better.com. Broad incumbents are Bankrate, LendingTree, loanDepot, Rocket Mortgage, NerdWallet and Zillow Home Loans. Emerging players are Morty and Beeline.
Does Fincast have an API?
No public API is recorded for Fincast.
What industry is Fincast in?
Fincast's product category is Mortgage Marketplace. Its primary akta.pro industry code is FSAGAHAL, Marketplace & Loan Aggregation Platforms (Borrower-Lender Matching), with a secondary code of FSAGADAD, Debt Management & Paydown (Student Loans, Credit Cards). Its NAICS code is 522310 and its SIC code is 6163.