DiversiFund Texas

What DiversiFund Texas does

DiversiFund Texas, LP is a privately held, Texas-licensed residential mortgage lender headquartered in Benbrook (Fort Worth area), operating as a family-owned father-son team (Kevin R. Gahagan and Brent R. Gahagan) with over 45 years of combined industry experience. The company originates purchase mortgages, refinances, VA, FHA, USDA, conventional, and HELOC products for individual consumers, with a stated emphasis on ethical, trust-based lending and an explicit focus on serving first-time homebuyers, veterans, and realtor-referred clients. The technology stack is modest: the company website embeds a third-party loan origination system (Preapp1003) that powers a 20-step online pre-qualification form, a digital quote request flow, and an interactive mortgage calculator, with no proprietary AI or data assets.

The business model is a direct-to-consumer, transaction-fee origination model — revenue is earned from origination fees on each closed loan, with pricing personalized based on borrower credit profile, loan amount, property type, and program. Customer acquisition is content-led, relying on an extensive blog, weekly email newsletter, and organic social media presence (Facebook, LinkedIn, X, Instagram), supplemented by phone/email inquiries and realtor referrals. The firm holds NMLS ID 337468 and is regulated by the Texas Department of Savings and Mortgage Lending, and its entire operating footprint is contained within Texas. With 1-10 employees, no institutional funding, no multi-state licensing, and no disclosed financial data, the business is a small-scale, relationship-driven regional mortgage brokerage rather than a growth-stage financial services platform.

Name

DiversiFund Texas

Legal name

DiversiFund Texas, LP

Website

https://divfund.com

Company type

Private

Founded year

1989

Operating status

Operating

Headcount range

1–10 employees

Short description

DiversiFund Texas, LP is a family-owned, Texas-licensed residential mortgage lender based in Benbrook (Fort Worth) that originates purchase, refinance, VA, FHA, USDA, conventional, and HELOC loans for individual consumers and realtor referrals using a third-party online application platform.

Ownership category

akta.pro rank

Product category

Mortgage Lending

NAICS

Nondepository Credit Intermediation (5222)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Consumer Direct / Online Mortgage Origination (FSALAAAB)

akta.pro secondary industries

Cash-Out Refinance Origination (FSALAAAF), Home Equity Loan/HELOC Underwriting & Credit Policy (FSALAGAC), Retail Residential Mortgage Brokers (Purchase & Refinance) (FSALABAA)

Keywords

• Mortgage lending
• Home purchase loans
• Mortgage refinancing
• VA loan programs
• Residential mortgage services

Headquarters

HQ city

Fort Worth

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Mortgage Origination Fees: Revenue generated from originating mortgage loans for home purchases and refinances. The company offers various loan products including conventional, FHA, VA, and USDA loans, generating fees through the loan origination process.
2. Mortgage Refinancing: Revenue from refinancing existing mortgages, helping homeowners potentially lower interest rates or access equity through cash-out refinancing options.
3. HELOC origination: Home Equity Line of Credit origination services allowing customers to access equity in their homes.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels8 records

Core offering

Texas-based mortgage lending firm offering purchase mortgages, refinance loans, VA loans, FHA loans, USDA loans, conventional loans, and HELOCs. The firm operates a four-step lending process supported by online pre-qualification, online application via the third-party Preapp1003 platform, and a digital quote request system, supplemented by mortgage calculator tools and educational blog content.

Product overview

DiversiFund Texas is a mortgage lending company offering a comprehensive suite of home financing solutions. The core offerings consist of purchase mortgages and refinance mortgages, supplemented by specialized loan programs including VA Loans (for veterans and service members), FHA Loans (for first-time buyers), USDA Loans (for rural property buyers), and Conventional Loans. The company provides supporting services such as mortgage pre-qualification, an online application process via PreApp, mortgage calculator tools, and a 'Second Look' review service. Educational resources are available through a Learning Center/Blog. The portfolio is built around a 4-step process: Initial Goal Analysis Consultation, Solution Preparation, Suggestion Presentation, and Execute.

Differentiator

Problem solved

Functional benefit

Products and services

• Purchase Mortgages Mortgage financing for individual homebuyers purchasing a primary residence, available across conventional, FHA, VA, and USDA loan programs. Targeted at Texas consumers entering the home purchase process.
• Refinance Mortgages Refinancing of existing mortgages for Texas homeowners seeking to adjust rate, term, or loan structure. Delivered through the firm's four-step lending process.
• VA Loans Veterans Affairs-backed mortgage loans for eligible veterans and active-duty service members purchasing or refinancing a home in Texas.
• FHA Loans Federal Housing Administration-insured mortgage loans for Texas homebuyers, typically serving borrowers with lower down payment requirements.
• USDA Loans U.S. Department of Agriculture rural development mortgage loans for Texas homebuyers purchasing properties in eligible rural areas.
• Conventional Loans Standard conforming mortgage loans for Texas homebuyers and homeowners that meet Fannie Mae and Freddie Mac guidelines.
• HELOC Home Equity Line of Credit product allowing Texas homeowners to borrow against accumulated home equity on a revolving basis.

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

One partnership is on record.

• Preapp1003coreTechnology or IntegrationThird-party online mortgage application platform integrated into DiversiFund Texas website for processing loan applications. Provides the technical infrastructure for their online pre-qualification and application process.

Scale indicators3 records

Recent moves4 records

Expansion highlights3 records

Broad incumbents

• Guild Mortgage: National retail mortgage lender with a multi-channel model (retail branches, call centers, online) and a strong franchise in conventional, FHA, VA, and USDA products. Competes with DiversiFund Texas across the full loan product spectrum and has meaningful Texas presence.
• loanDepot: Top-five U.S. retail mortgage lender with a direct-to-consumer digital platform (mello) and a call-center-driven sales motion. Operates conventional, FHA, VA, and HELOC products across all 50 states, putting nationwide pricing and capacity pressure on smaller regional originators.
• NewRez (formerly New Penn Financial): National retail and wholesale mortgage lender with a direct-to-consumer digital experience and a full suite of conventional, government, and HELOC products. Competes with DiversiFund Texas for online purchase and refinance volume at national scale.
• Rocket Mortgage: The largest U.S. retail mortgage originator, with a fully online direct-to-consumer application, rate-quote, and approval experience. Competes head-on with DiversiFund Texas in online purchase and refinance, but at vastly greater scale and with proprietary technology.
• Mr. Cooper: One of the largest U.S. mortgage servicers and a growing retail originator. Offers conventional, FHA, VA, and refinance products with a digital application experience, providing scale-driven competition in both purchase and refi across Texas.
• UWM (United Wholesale Mortgage): Largest U.S. wholesale mortgage lender, operating primarily through independent mortgage broker channels. Indirectly competitive with DiversiFund Texas, as many of the realtors and brokers referring to DiversiFund could also access UWM-funded products.
• Guaranteed Rate: Large retail mortgage lender with a strong direct-to-consumer digital funnel, including a digital mortgage application and rate quote experience. Competes with DiversiFund Texas in online purchase, refinance, and HELOC, with a far broader geographic footprint.
• Caliber Home Loans: Large national retail mortgage originator offering conventional, government, and non-QM products through retail and wholesale channels. Direct overlap with DiversiFund Texas in purchase and refinance, with a much larger loan officer network.

Regional players

• PrimeLending: Multi-channel retail mortgage lender owned by PlainsCapital (a Texas-based banking franchise). Competes with DiversiFund Texas in Texas and across the U.S. with conventional, government, and HELOC products, and benefits from bank-ownership funding advantages.

Emerging players

• Better.com: Digital-first mortgage originator focused on a streamlined online application and pre-approval experience. Targets the same first-time homebuyer and refinance customer that DiversiFund Texas serves, but with a national brand and substantially greater technology investment.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/brentg84
• Facebookfacebook.com/BrentGahaganDiversifundTexas
• LinkedInlinkedin.com/company/diversifund-texas-l.p./?viewAsMember=true
• Instagraminstagram.com/gahaganbrent

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 DiversiFund Texas