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Kentucky · Powered by Loan Factory
Jerry Kindig is licensed in Kentucky. As an independent mortgage broker, we shop your loan across 220+ wholesale lenders, whether you are buying or refinancing in Kentucky.
Licensed in Kentucky
KYLoan Factory, Inc. license, from our state license list.
Loan Factory, Inc. (NMLS #320841), the brokerage behind Pick My Mortgage Rate, holds this Kentucky license. Jerry Kindig (NMLS #2397823) is personally licensed as a mortgage loan originator in Kentucky.
Loan Factory, Inc. license in Kentucky, from our state license list:
Mortgage Company License
License#: MC753976
Licensed by Kentucky Department of Financial Institutions
NMLS Consumer Access is the official, free lookup for mortgage companies and loan officers.
Kentucky has about 4.6 million residents, according to the U.S. Census Bureau's estimate for July 1, 2025. As a licensed mortgage loan originator in Kentucky (NMLS #2397823) with access to 220+ wholesale lenders through Loan Factory, Jerry Kindig helps you compare loan options, whether you are buying your first home, moving up, refinancing, or investing.
The 11 largest Kentucky cities by population, plus Frankfort, the state capital. Population: U.S. Census Bureau estimates for July 1, 2025 (Louisville and Lexington: consolidated city-county governments).
Whether you are buying in Louisville, Lexington, Northern Kentucky, or a smaller community, we work with borrowers throughout Kentucky and can walk you through loan options that fit your plans and your property.
Sources: U.S. Census Bureau, Vintage 2025 city population estimates · Kentucky Derby · University of Louisville · University of Kentucky · Kentucky Historic Properties, State Capitol.
A few facts worth knowing before you buy in Kentucky.
Sources: Kentucky Revised Statutes 141.020 · Kentucky Department of Revenue, 2026 withholding formula · Kentucky Department of Revenue, sales and use tax · NOAA NCEI 1991-2020 climate normals (Louisville, Lexington) · 49 CFR Part 71 (time zones) · U.S. DOT time zone map · NIST, daylight saving time · U.S. Army Fort Knox · U.S. Army Fort Campbell.
From Mammoth Cave to Cumberland Gap, here are seven places to explore.
Rolling hills, deep river valleys, and what the NPS calls the world's longest known cave system. A UNESCO World Heritage Site.
The nation's first memorial to Lincoln, in rural Central Kentucky, and the site of his childhood home.
The gateway where 300,000 people crossed the Appalachians, with 85 miles of trails and a spot where you can stand in three states at once.
125,000 acres of the Cumberland Plateau in Kentucky and Tennessee, with scenic gorges and sandstone bluffs.
An 1863 Army supply depot that became a recruitment and training center for United States Colored Troops and a refugee camp for their families.
The site of an early Civil War victory for the United States.
Held each year on the first Saturday in May at Churchill Downs in Louisville.
Sources: NPS Mammoth Cave · NPS Abraham Lincoln Birthplace · NPS Cumberland Gap · NPS Big South Fork · NPS Camp Nelson · NPS Mill Springs Battlefield · Kentucky Derby · Kentucky Tourism.
Home loans, investor loans, and equity options, all shopped for you. Eligibility varies by program. All loans are subject to approval.
Close a loan with another lender at a lower combination of interest rate, fees, and monthly mortgage insurance, and we'll send you a $2,000 check.
The Best Price Guarantee does not apply to Down Payment Assistance (DPA), Reverse, Non-QM, DSCR, Fix & Flip, Construction, Mobile, Wealth Builder HELOC, or USDA loans. See the full terms.
Yes. Jerry Kindig (NMLS #2397823) is licensed in Kentucky, and Loan Factory, Inc. (NMLS #320841) holds Kentucky Mortgage Company License MC753976 from the Kentucky Department of Financial Institutions. You can verify both on NMLS Consumer Access.
Yes. Jerry is licensed in Kentucky and works with borrowers by phone, text, email, and online, so you can get started from wherever you are in the state.
Home loans (Conventional, FHA, VA, USDA, down payment assistance, mobile homes, and self-employed Non-QM), investor loans (DSCR, Fix and Flip, and construction), and equity and retirement options (Wealth Builder HELOC and reverse mortgages). Eligibility varies by program, and all loans are subject to approval.
Yes. Down payment assistance programs can help bridge the gap, and we pair them with the right loan. Eligibility, income limits, and terms vary by program, so ask us which programs you may qualify for.
Yes, for eligible loans. Conditions apply, including loan amounts of $200,000 or more and fixed-rate Conventional conforming, FHA, and VA loans on identical loan types. It does not apply to Down Payment Assistance (DPA), Reverse, Non-QM, DSCR, Fix and Flip, Construction, Mobile, Wealth Builder HELOC, or USDA loans.
Jerry is licensed in 19 states: Alaska, Arizona, Arkansas, California, Florida, Illinois, Indiana, Kentucky, Massachusetts, Michigan, Nevada, New Hampshire, North Carolina, Ohio, Pennsylvania, Tennessee, Texas, Utah, and Washington. Loan Factory, the brokerage behind Pick My Mortgage Rate, is licensed in 48 states and the District of Columbia.
Yes. Kentucky's individual income tax rate is 3.5% of net income for tax years beginning on or after January 1, 2026, under Kentucky Revised Statutes 141.020.
The sales and use tax rate is 6%, and there are no local sales and use taxes in Kentucky, according to the Kentucky Department of Revenue.
Most of Kentucky is on Eastern Time, including Louisville, Lexington, and Frankfort. Western Kentucky, including Bowling Green, Owensboro, and Paducah, is on Central Time. Both observe daylight saving time.
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