Applications / Mortgage Analytics / Lenders / Tennessee / Kelley Mortgage
Columbia, TN · Non-bank or government lender · CFPB · 68 loans in 2025
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68
loans originated, 2025
79
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Kelley Mortgage is a small Tennessee lender to home buyers that leans heavily on government-backed loans, and in 2025 it grew faster than most similar lenders.
Loans insured by the Federal Housing Administration (FHA) were 41.2% of its lending, and those guaranteed by the Department of Agriculture's Rural Housing Service (RHS) 11.8%, the highest RHS share among similar lenders, non-bank lenders making between half and twice as many loans. Conventional loans were only 42.6%. Home purchases made up 76.5% of its loans, refinances the rest, and manufactured homes just 2.9%.
It made 68 loans in 2025, up 39% from 49, while similar lenders' loans fell 5% and the whole market grew 10%. That growth was faster than about three-quarters of peers. It is still below the 97 loans it made in 2020.
Its typical loan was $215,000, against $407,500 for peers, smaller than nearly nine in ten. Some 34.4% of its borrowers had low or moderate incomes (LMI), against 22.2% for peers. Its typical rate, 6.25%, was below peers' 6.62%.
Only 7.3% of its loans went to LMI neighborhoods, against 23.7% for peers, and none to majority-minority neighborhoods, against 31.9%. One possible reason is where it lends: it ranks 146 of 746 in non-metro Tennessee, its largest market, but 357 of 821 in Nashville-Davidson--Murfreesboro--Franklin.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Kelley Mortgage took 79 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 76.5% · Refinance 23.5%
Conventional 42.6% · FHA 41.2% · USDA (RHS or FSA) 11.8% · VA 4.4% · of 68 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Tennessee | 68 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Nashville-Davidson--Murfreesboro--Franklin | 16 |
| Clarksville | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300QWOZZB97053F11 | 2018–2025 |
Established date not on record. Reported under HMDA 2018-2025.
Mergers, name changes, data editions and corrections: Kelley Mortgage's data.
Kelley Mortgage's data
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Kelley Mortgage and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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