Licensing
Company Identification
Kennedy Mortgage, LLC is a Texas-licensed mortgage broker, registered with the Nationwide Multistate Licensing System (NMLS). The following information identifies the company and its principal mortgage loan originator.
| Field | Detail |
|---|---|
| Legal entity name | Kennedy Mortgage, LLC |
| Company NMLS ID | 2223950 |
| Principal Mortgage Loan Originator | James Kennedy |
| Individual NMLS ID | 1864826 |
| Principal office | Dripping Springs, Texas |
| Phone | (512) 553-2111 |
| jkennedy@kennedymtg.com |
Multifamily and Commercial Lending Parameters
Multifamily and commercial real estate financing in the United States operates under a regulatory framework distinct from residential mortgage origination. Some states require state-level licensing for commercial mortgage brokering; others do not. The licensing requirements vary by transaction type, property type, and the role of the originating firm.
Kennedy Mortgage, LLC facilitates multifamily and commercial real estate financing transactions in accordance with the applicable regulatory framework for each transaction. For transactions outside the state of Texas, Kennedy Mortgage operates as a referral or correspondent depending on state requirements and the specific lender relationship involved.
Borrowers with multifamily or commercial financing scenarios outside Texas are encouraged to contact us directly to confirm whether a specific transaction can be facilitated under the applicable state regulatory framework.
Residential Mortgage Licensing
Residential mortgage origination is regulated at the state level. Kennedy Mortgage, LLC is currently authorized to originate residential mortgage loans in the states listed below. Additional state licenses are added as business needs and regulatory approvals expand.
| State | Authority and license status |
|---|---|
| Texas | Licensed by the Texas Department of Savings and Mortgage Lending (DSML). Active license under Company NMLS ID 2223950. Origination of residential mortgage loans subject to applicable Texas statutes, including the Texas Mortgage Broker License Act and Texas Constitution Section 50 provisions for home equity products. |
Verification
License status for both Kennedy Mortgage, LLC (Company NMLS 2223950) and James Kennedy (Individual NMLS 1864826) can be verified at any time through the NMLS Consumer Access portal: https://www.nmlsconsumeraccess.org/
Regulatory Disclosures and Resources
Standard disclosures
- Equal Housing Lender. Kennedy Mortgage, LLC is committed to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the nation.
- Not a commitment to lend. Information presented on this website is for general informational purposes and does not constitute a commitment to lend or a guarantee of loan approval. All loans are subject to credit and property approval.
- Rates and terms subject to change. Interest rates, fees, points, and loan structures are subject to change without notice based on market conditions and lender requirements.
- No guarantee of approval. Pre-qualification statements, scenario reviews, and informational discussions do not constitute formal loan approval. Formal approval requires completion of underwriting by the placing lender.
Verification and consumer resources
- NMLS Consumer Access: Verify license status, complaint history, and regulatory action against any U.S. mortgage company or loan originator. https://www.nmlsconsumeraccess.org/
- Texas Department of Savings and Mortgage Lending: Primary regulator for residential mortgage activity in Texas. https://www.sml.texas.gov/
- Consumer complaint resources: To file a complaint regarding mortgage origination activity in Texas, contact the Texas DSML directly via the link above.
Privacy and information handling
Information collected through this website is handled in accordance with the Kennedy Mortgage Privacy Policy. See the Privacy Policy linked in the footer for details on information collection, use, and disclosure practices.