Texas Lending

What Texas Lending does

Texas Lending (TexasLending.com), founded in 1998 by Kevin Miller and headquartered at 4201 Spring Valley Road in Dallas, is a Texas-focused consumer-direct mortgage lender that operates as a DBA of Aspire Financial Inc. (NMLS ID: 2297). The company originates purchase loans, rate-and-term refinances, cash-out refinances, home equity loans, HELOCs, and reverse mortgages, structured across Conventional, FHA, VA, USDA, Non-QM, and Jumbo loan programs. Distribution runs through three core channels: a phone-based inside-sales desk staffed by licensed mortgage consultants (800-346-8047), a self-serve web application with online calculators, and a referral partnership network with local Texas real estate professionals formalized through the "Customer Edge" program. The company also participates in state housing programs administered through TSAHC, TDHCA, and the Veterans Land Board.

The business is a transaction-fee originator: revenue is earned on loan origination rather than balance-sheet interest income, with Texas-specific regulatory constraints — including the Texas Constitution Article XVI Section 50 home equity provisions, 80% LTV limits on cash-out, and 2% fee caps — functioning as both operating constraints and a barrier against out-of-state competitors. Since 1998 the company claims to have funded over $20 billion in Texas home loans and has held the Consumer's Choice Award for Mortgage Lender (Non-Bank) in the Dallas-Fort Worth metroplex for 13 consecutive years. Headcount sits in the 101–250 range with no disclosed revenue, funding rounds, institutional investors, or M&A activity. There is no proprietary technology platform, mobile app, or AI/ML capability disclosed; the operating stack is a website plus call-center workflow plus a content/SEO marketing layer (34+ blog articles across Texas metro guides).

Name

Texas Lending

Legal name

Aspire Financial Inc. dba Texaslending.com

Website

https://texaslending.com

Company type

Private

Founded year

1998

Operating status

Operating

Headcount range

101–250 employees

Short description

Texas Lending (TexasLending.com), founded 1998 and based in Dallas, is a Texas-only consumer-direct mortgage lender under Aspire Financial Inc. that originates purchase, refinance, home equity, HELOC, and reverse mortgages through phone, web, and realtor referral channels.

Ownership category

akta.pro rank

Product category

Residential Mortgage Lending

NAICS

Nondepository Credit Intermediation (5222)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)

akta.pro secondary industry

Home Equity Loan & HELOC Intermediation (FSAEAEAD)

Keywords

• Mortgage lending
• Home purchase loans
• Refinance loans
• Home equity loans
• Reverse mortgage

Headquarters

HQ city

Dallas

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Mortgage Origination: Revenue generated from originating mortgage loans including purchase mortgages, refinances, home equity loans, and HELOCs. The company acts as a direct lender originating loans for Texas homeowners and buyers.
2. Home Equity Products: Revenue from cash-out refinances and home equity loans/lines of credit. Texas cash-out refinances are subject to specific Texas regulations including 80% LTV limits and 2% fee cap.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

Texas Lending (TexasLending.com) is a Texas-focused consumer direct mortgage lender that originates home purchase loans, refinance loans, home equity loans, HELOCs, cash-out refinances, and reverse mortgages. The company offers multiple loan programs including Conventional, FHA, VA, USDA, Non-QM, and Jumbo loans, providing personalized guidance from licensed mortgage consultants via phone, online, and in-person channels to Texas residents statewide.

Product overview

TexasLending.com is a Texas-based mortgage lender offering a comprehensive suite of home financing products. The core offerings include Purchase Loans, Refinance Loans, Home Equity Loans, and Cash-Out Refinancing, along with specialized loan programs such as Conventional, FHA, VA, USDA, Non-QM, and Jumbo loans. The company also provides reverse mortgages for homeowners aged 62+ and offers HELOC options. Supporting these products are online mortgage calculators (Purchase, Refinance, Cash Out, and Reverse Mortgage) that help customers estimate payments and evaluate financing options. The company operates as a direct lender serving Texans since 1998.

Differentiator

Problem solved

Functional benefit

Products and services

• Home Purchase Loans

Quantifiable outcome

• Over $20 billion in home loans funded since 1998
• +3 more outcomes

Named customers8 records

Segments4 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Seven partnerships are on record, tiered minor and core.

• BBB (Better Business Bureau)minorOthersBBB Accredited Business. TexasLending displays the BBB logo on their website indicating accreditation status.
• GoDaddyminorOthersGoDaddy Verified. TexasLending displays GoDaddy verification badge indicating website security and domain verification.
• Texas State Affordable Housing Corporation (TSAHC)minorStrategic or Co-development PartnerTSAHC offers down payment assistance programs including Home Sweet Texas Home Loan Program and My Choice Texas Home. TexasLending offers these programs to qualifying buyers as part of their loan products.
• Texas Department of Housing and Community Affairs (TDHCA)minorStrategic or Co-development PartnerTDHCA offers My First Texas Home program with 30-year fixed mortgages and down payment assistance up to 5%. TexasLending participates in this program for eligible first-time buyers.
• Veterans Land Board (VLB)minorStrategic or Co-development PartnerVLB Housing Assistance Program offers low-interest loans for Texas veterans, often with no down payment. Veterans with 30%+ disability rating may qualify for even lower rates. TexasLending offers VA loans in coordination with VLB programs.
• Local Real Estate ProfessionalscoreChannel Partner/ Reseller/ DistributorExtensive network of relationships with local real estate professionals across Texas. These partners refer clients to TexasLending and receive reciprocal referrals. Customer Edge program formalizes these relationships with cash-back incentives after closing.
• Aspire Financial Inc. (Parent Company)coreOthersTexasLending.com is a dba of Aspire Financial Inc. The privacy policy applies to companies within the Aspire Financial Inc. family of companies including TexasLending.com.

Scale indicators4 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Guild Mortgage: Mid-sized U.S. retail mortgage lender with strong Texas presence, offering conventional, government, and non-QM products. Comparable as a regional-to-national non-bank lender with similar product breadth and consumer-direct go-to-market.
• Cardinal Financial: Mid-sized U.S. non-bank mortgage lender with multi-state retail operations including Texas, offering conventional, government, and HELOC products. Comparable as a similarly sized private non-bank lender with overlapping product set and consumer-direct model.
• Caliber Home Loans: Top-15 U.S. non-bank mortgage lender with significant Texas retail footprint, offering conventional, government, non-QM, and HELOC products. Comparable as a consumer-direct non-bank lender competing for similar purchase and refinance borrowers.
• Movement Mortgage: Top-10 U.S. retail mortgage lender with active Texas operations, founded in similar timeframe and built on a relationship-driven, loan-officer-led model. Comparable as a private, founder-influenced non-bank lender competing in the same Texas metros.
• NewRez (New Residential Mortgage): Non-bank mortgage lender with Texas retail operations offering purchase, refinance, and HELOC products. Comparable as a multi-channel non-bank lender serving similar Texas consumer segments.
• Guaranteed Rate: Large non-bank retail mortgage lender operating across multiple states including Texas, with a digital-plus-loan-officer model. Closely comparable as a non-bank consumer-direct lender with purchase, refinance, and HELOC products targeting similar borrower segments.

Broad incumbents

• Rocket Mortgage: Largest U.S. non-bank mortgage lender, offering the same consumer-direct purchase, refinance, and HELOC products nationwide including Texas. Comparable because it directly competes for the same Texas homeowner and buyer segments with similar phone-plus-digital funnel.
• UWM (United Wholesale Mortgage): Largest U.S. wholesale mortgage lender with significant Texas broker-channel volume. Comparable in product mix (purchase, refi, HELOC, government) and as a non-bank competitor, though it operates primarily through brokers rather than consumer-direct.
• loanDepot: Top-five U.S. retail and partner-direct mortgage lender offering conventional, FHA, VA, USDA, and HELOC products across Texas. Directly comparable business model as a multi-channel consumer-direct lender targeting the same borrower profile.

Emerging players

• Better.com: Digital-first mortgage lender offering fully online purchase and refinance experiences, with active Texas operations. Comparable as a non-bank competitor targeting the same consumer-direct borrower with technology-led differentiation.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks3 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/TexasLending
• Xx.com/TexasLending

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 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 Texas Lending