GO Mortgage has started a wholesale lending operation and is rolling out a new system this week that it says will tell a mortgage broker within 10 minutes whether a deal will work. The company said the technology-driven TPO launch will expand over the next 60 days to a select group of mortgage brokers before a broader national rollout.

The move puts GO Mortgage into a crowded and highly competitive corner of the business, where the company says the current wholesale model is broken. Jay Promisco, who joined GO Mortgage in January after leaving Sierra Pacific Mortgage, said the lender built the platform around limits it saw in existing wholesale software and around a desire to give brokers a steadier experience.

GO Mortgage named Rob Saunders executive vice president of TPO production to lead the channel. Saunders brings more than 25 years in the mortgage industry and previously served as vice president and divisional sales director for Sierra Pacific Mortgage's wholesale lending channel, as well as managing director-West for Home Point Financial. GO Mortgage is licensed in 42 states, giving it room to widen the rollout after the initial test group.

Promisco said the company did not want to build around the baggage of an older lending platform. “We didn't have the burden of legacy, process, technology and people,” he said, adding that the goal was to do things “Not how it's always been.”

That pitch comes as the wholesale market remains dominated by large players such as United Wholesale Mortgage and Rocket, while other lenders continue to jostle for broker business. LoanDepot said in March it was getting back into wholesale after a three-year hiatus, underscoring how active the channel has become.

Promisco said GO Mortgage is not trying to become the biggest lender in wholesale and is not looking to fight the market leaders head on. “I'm not fighting with UWM or Rocket,” he said, adding that the space includes lenders with very different results and that “There's a bunch of companies struggling in the space, there's some companies doing very well.”

Instead, he said the company wants to attract brokers who care about consistency and choice. “Brokers want options. They need options,” he said. “The whole purpose of being a broker is to have options and we think will be a very v” He also described GO Mortgage as a “people-first organization,” saying it is “really focused on using technology to augment the people that work here.”

The promise behind the rollout is speed and predictability. Promisco said the platform is meant to give a broker the same service level every day and to layer in a large amount of agentic AI so the operation can scale up or down. “So whether I'm doing 100 loans or 1,000 loans, the machine can kind of lever up or lever down,” he said.

That may be the real test for GO Mortgage. In wholesale, brokers already have choices, but few lenders can prove they will answer quickly and consistently when the market gets busy. GO Mortgage is betting that a faster decision, a narrower launch and a cleaner operating model will give it a foothold without needing to chase the kind of volume that defines the biggest lenders.