# KELLEY MORTGAGE, LLC

> **Canonical URL:** https://saferate.com/lenders/kelley-mortgage

> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible

KELLEY MORTGAGE, LLC is a independent mortgage company, headquartered in COLUMBIA, TN, with 48 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 36% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 54% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300QWOZZB97053F11
- **Headquarters:** COLUMBIA, TN
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** TN
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 64/100
- Rating: ●●●●○ (4/5)

### Pull Through: Sound ☺️
- Score: 46/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.523%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,231
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 48
- **Dollar Volume:** $11 million
- **Applications Received:** 58
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $236,875
- **Average Borrower Income:** $82,208

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 9/100 | 12 | +0.486% | $1,139 | Mediocre 😐 |
| FHA | 55/100 | 30 | +0.541% | $1,327 | Sound ☺️ |

### Product Performance by Purpose

**FHA:**
- Purchase: 29 loans, Score: 55/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 24/100 | 41 | $10M | +0.583% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TN | 48 | 0.05% | 64/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 39 | 51/100 |

## Frequently Asked Questions

### What loan types does KELLEY MORTGAGE, LLC offer?

KELLEY MORTGAGE, LLC offers the following mortgage loan types: FHA, Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does KELLEY MORTGAGE, LLC offer mortgages?

KELLEY MORTGAGE, LLC offers mortgages in 1 states: TN.

### How competitive are KELLEY MORTGAGE, LLC's mortgage rates?

KELLEY MORTGAGE, LLC has a pricing score of 64/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.523% above market average.

### What type of lender is KELLEY MORTGAGE, LLC?

KELLEY MORTGAGE, LLC is a non-depository lender that specializes in mortgage origination, headquartered in COLUMBIA, TN.

### What is KELLEY MORTGAGE, LLC's loan approval success rate?

KELLEY MORTGAGE, LLC has a pull-through score of 46/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/kelley-mortgage

### How to Cite

> "KELLEY MORTGAGE, LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/kelley-mortgage

---

**[View Interactive Profile →](https://saferate.com/lenders/kelley-mortgage)**