What Responsive Mortgage does

Responsive Mortgage is a retail mortgage origination company operating as a division of Gold Star Mortgage Financial Group, Corp. Founded in June 2024 by Preston Guyton, Jon Cheplak, and Mike Benton, the company originates residential mortgage loans including conventional 30-year fixed, FHA, VA, USDA, jumbo, and FHA 203(k) rehab loans, serving first-time homebuyers, military veterans, rural and suburban buyers, and real estate investors. The company distributes through a sales-led model combining 35+ physical branch locations across the US, online applications, phone-based inside sales, and a referral channel anchored by real estate agents and brokers.

The business generates revenue through origination fees and interest on mortgage loans, with pricing customized to each borrower's credit profile, loan type, property type, and prevailing market conditions; no standardized public pricing exists. The company differentiates on speed of approval, personalized loan officer attention, transparent communication, and competitive rates, claiming a 97% customer satisfaction rating and 75,000+ families served across the broader Gold Star family of brands. Marketing is conducted through educational blog content, webinars, organic social media on Instagram, Facebook, and X, email newsletters, and agent-partner referrals.

No proprietary technology or AI/ML capabilities are disclosed; the only named third-party integration is Twilio for SMS communications. The company is privately held with no external funding rounds disclosed, operating as a division of its parent rather than as a standalone funded entity. Forward-looking commentary from co-founders indicates a projected $1B+ in funded loan volume in 2026, the company's second full year of operation, alongside continued branch expansion (with Tampa, Fort Lauderdale, and Chattanooga listed as 'Coming Soon') and active executive hiring across finance, operations, recruiting, and production.

Name

Responsive Mortgage

Legal name

Responsive Mortgage, a division of Gold Star Mortgage Financial Group, Corp

Website

https://responsivemortgage.com

Company type

Private

Founded year

2024

Operating status

Operating

Headcount range

11–50 employees

Short description

Responsive Mortgage is a US retail mortgage lender, founded in 2024 as a division of Gold Star Mortgage, originating conventional, FHA, VA, USDA, jumbo, and rehab loans for homebuyers, veterans, and investors through 35+ branch locations and real estate agent referrals.

Ownership category

akta.pro rank

Product category

Residential Mortgage Lending

NAICS

Real Estate Credit (522292)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Purchase Mortgage Origination (Homebuyer Focused) (FSALAAAD)

akta.pro secondary industries

Government-Insured Mortgage Origination (FHA/VA/USDA) (FSALAAAI), First-Time Homebuyer (FTHB) Mortgage Origination (FSALAAAG), Rate-and-Term Refinance Origination (FSALAAAE), Renovation Mortgage Origination (FHA 203(k), HomeStyle, CHOICERenovation) (FSALAAAL)

Keywords

• Residential mortgage lending
• Home loan origination
• Mortgage refinancing
• FHA VA loans
• Conventional mortgages

Headquarters

HQ city

Sarasota

HQ country

United States

HQ region

North America

Offices32 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Mortgage Loan Origination: Revenue generated through origination fees and interest on mortgage loans. The company originates various loan types including conventional, FHA, VA, USDA, jumbo, and rehab loans.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

Responsive Mortgage originates residential mortgage loans for individual homebuyers and homeowners across the United States. Its loan portfolio includes 30-year and 15-year fixed mortgages, government-backed FHA, VA, and USDA loans, jumbo loans for high-value properties, FHA 203(k) rehab loans that finance purchase plus renovation, and loans for investment and vacation properties. The company operates through more than 35 branch locations staffed by loan originators and branch managers, complemented by online applications and phone-based inside sales.

Product overview

Responsive Mortgage is a mortgage lending company and division of Gold Star Mortgage Financial Group, offering a comprehensive suite of residential mortgage products. The core offering consists of nine distinct loan programs including conventional 30-year fixed mortgages, government-backed products (FHA, VA, USDA), jumbo loans for high-value properties, and specialized financing for rehab projects and investment properties. The company also provides supplementary tools including mortgage calculators and educational webinars. The product portfolio is designed to serve diverse borrower segments from first-time homebuyers to experienced investors, with loan options ranging from zero down payment (VA, USDA) to low down payment programs (FHA at 3.5%) and conventional financing.

Differentiator

Problem solved

Functional benefit

Products and services

• 30 Year Fixed Mortgage Traditional fixed-rate mortgage with a 30-year term, offering consistent monthly payments and stable interest rates for homebuyers and refinancers.
• FHA Loan Government-insured mortgage requiring as little as 3.5% down payment, designed for first-time buyers and those with limited credit history.
• First Time Home Buyer Program Mortgage programs tailored for first-time homebuyers, providing guidance and education throughout the home purchasing process.
• USDA Loan Zero down payment mortgage for eligible buyers in designated rural and suburban areas, backed by the U.S. Department of Agriculture.
• Low Down Payment Options Various mortgage programs allowing purchases with down payments as low as 3-5%, including FHA, USDA, and VA options.
• VA Home Loans Mortgage programs for eligible active-duty military members and veterans offering up to 100% financing with no down payment required.
• Jumbo Home Loan Mortgage financing for high-value properties exceeding conventional loan limits, available in both fixed and adjustable rate options.
• Rehab Loans FHA 203(k) renovation loans that finance both the home purchase and renovation costs in a single mortgage, allowing buyers to roll renovation expenses into their loan.
• Investment Property Mortgage Mortgage programs for vacation homes and investment properties, including 15-year and 30-year term options with potential for owner-occupied financing rates.

Quantifiable outcome

• 97% customer satisfaction rating
• +2 more outcomes

Named customers3 records

Segments5 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Partnerships

Two partnerships are on record, tiered minor and core.

• ZeroTo100minorGTM or Marketing Partner · 1 January 2024ZeroTo100 is a movement built on discipline, accountability, and giving back. The partnership aligns with Responsive Mortgage's mission of growth - financially, personally, and as a community. ZeroTo100 supports charitable initiatives like ZeroTo100 Wishes, helping grant life-changing experiences for children facing critical illnesses.
• Gold Star Mortgage Financial Group, CorpcoreOthersResponsive Mortgage operates as a division of Gold Star Mortgage Financial Group, Corp. The parent company is based at 3000 Bee Ridge Rd, Sarasota, FL 34239, NMLS #3446.

Scale indicators5 records

Recent moves6 records

Expansion highlights7 records

Direct peers

• Guild Mortgage: Retail-focused residential mortgage lender with branches in 48 states offering conventional, FHA, VA, USDA, jumbo and renovation products. Strong comparability on branch-led retail model and full-spectrum product offering aimed at first-time and repeat buyers.
• Caliber Home Loans: Retail and wholesale residential mortgage lender with branch presence and a product suite spanning conventional, FHA, VA, USDA and non-QM. Closely comparable to Responsive on retail channel, product breadth and borrower segments.
• Guaranteed Rate: Retail mortgage lender with a national branch footprint offering conventional, FHA, VA, USDA, jumbo and refinance products through branch-based loan officers. Directly comparable to Responsive on GTM motion (branch + digital), product mix and target customer.
• Movement Mortgage: Retail mortgage lender operating through a distributed branch network across the US with conventional, government and specialty products. Comparable to Responsive on multi-state branch distribution and full product suite.
• Fairway Independent Mortgage Corporation: Large US retail mortgage lender with a multi-state branch network and a broad mix of conventional, FHA, VA, USDA and renovation products. Closely matches Responsive's branch-led retail model, loan-offering breadth and target borrower segments.

Broad incumbents

• Rocket Mortgage: Largest US mortgage lender, offering the full residential loan suite through direct-to-consumer digital channels plus retail branches. Overlaps with Responsive on every loan product and target segment, but with massive scale and proprietary technology advantage.
• NewRez (Rithm Capital): National residential mortgage originator and servicer offering conventional, FHA, VA, USDA and renovation products across retail and wholesale channels. Comparable on product breadth and multi-channel distribution.
• loanDepot: Large national mortgage lender combining retail branches with a strong direct-to-consumer digital channel. Comparable to Responsive on product mix and target customers, but operates at materially larger scale with proprietary tech.

Emerging players

• Better.com: Digital-first mortgage lender offering purchase and refinance mortgages with a fully online application and proprietary tech stack. Adjacent comparison for Responsive: illustrates where branch-led originators may lose ground on borrower UX and turn-time if they don't invest in proprietary technology.

Others

• United Wholesale Mortgage (UWM): Largest US wholesale mortgage lender working through broker partners rather than direct branch retail. Indirectly comparable to Responsive as a mortgage industry leader; relevant for understanding broader competitive dynamics rather than direct product overlap.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/responsivemortgage

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

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 Responsive Mortgage