Ryan Kelley, The Home Loan Expert, hasn't come out of nowhere to become the nation's #2 FHA Lender and #4 nationally in closed loans. Ryan built his business from the ground up starting in 2004 as a Loan Officer with Shelter Mortgage. With hard work and lots of referrals, Ryan was consistently their Top Producing Loan Officer and helped build the company to one of the largest Mortgage Bankers in St Louis. In 2008 while his wife Tracy was pregnant with their first child, Ryan made the decision to leave Shelter Mortgage and join the team at NewCastle Home Loans. He was confident that NewCastle could provide him the tools needed to offer his clients a better loan process. He was newly married, and with his first child on the way, they were nervous, but excited for the opportunity to start fresh with a new company.

Ryan started with NewCastle Home Loans in 2008, as a Loan Officer working out of his basement. From there he began knocking on doors, and selling himself and his vision for the future of the home loan business. His drive and ambition led him to become an Owner/Partner with NewCastle in 2009. This has led to his status as The Home Loan Expert, the guy who knows how to get his clients the best rate for their home loan, whether they're first time home buyers looking for a home purchase, refinancing their loan, considering a debt consolidation, or looking for an FHA, HARP, USDA, VA, or Jumbo Loan.

Ryan has developed his own system to originate a loan from start to finish. The refinance and home purchase process is always in a constant state of improvement. Ryan sits down with his staff weekly creating ways to improve and streamline their systems. These systems have led to some of the best and brightest to come work with Ryan. The new Loan Coordinator had spent the previous 12 years at one of the nation’s largest banks managing an entire department of underwriters and processors before joining his team. Another big difference in Ryan’s system is that he does not hire Loan Officers, he trains new ones. Young adults a few years out of college, with business experience at the top of their field, get a full year of training under Ryan before becoming Loan Officers. Ryan has 15 full time employees in St. Louis, along with 6 in Chicago and 1 in the newest office in Indianapolis. Ryan is licensed to originate mortgage loans in MO, IL, IN, WI, and IA.

Over the past 10 years, Ryan has originated a STAGGERING 750 Million dollars in residential mortgage loans. The process and staff that Ryan Kelley employs ensures that they won't be beat on loans or rates, and has led to several awards.

•2004-2008 Top Producer Award every year with Shelter Mortgage

•2010-Current Top Company Originator NewCastle Home Loans, LLC

•2012 Scotsman Guide #9 in the Nation FHA Loan Volume

•2012 Scotsman Guide Top 100 in the Nation for Most Closed Loans

•2013 Scotsman Guide #2 in the Nation FHA Loan Volume

•2013 Scotsman Guide #4 in the Nation for Most Closed Loans

•2013 Originator News Top 20 in the nation for total closed loan volume

•2014 Mortgage Executive Magazine #Top 1% Nationally for Mortgage Originator Volume

•2014 Scotsman Guide #9 Most Closed Loans In the Nation

•2014 Scotsman Guide #10 Top Refinance Volume

•2014 Scotsman Guide #2 Top FHA Volume

•2014 Scotsman Guide #44 Total Dollar Volume

** There are currently 750k licensed Loan Officers in the Nation

Ryan was born and raised in St. Louis, MO. He attended Kirkwood High School and St. Louis Community College. He currently splits his time between his St. Louis, Chicago, and Indianapolis offices, while remaining a St. Louis resident. He married his beautiful wife Tracy on May 10th, 2008, and they have two children together. Ryan is a huge sports fan, and is involved in several charities, including:

Make A Wish

Isaac Bruce Foundation

Children’s Hospital

The Boy Scouts of America

To learn more about Ryan and see what loan options he can offer you, call him directly or apply online.

NewCastle Home Loans LLC NMLS #150580

Ryan Kelley NMLS #319181