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Jerry Kindig is licensed in Ohio. As an independent mortgage broker, we shop your loan across 220+ wholesale lenders, whether you are buying or refinancing in Ohio.
Licensed in Ohio
OHLoan Factory, Inc. license, from our state license list.
Loan Factory, Inc. (NMLS #320841), the brokerage behind Pick My Mortgage Rate, holds this Ohio license. Jerry Kindig (NMLS #2397823) is personally licensed as a mortgage loan originator in Ohio.
Loan Factory, Inc. license in Ohio, from our state license list:
Residential Mortgage Lending Act Certificate of Registration
License#: RM.804641.000
Licensed by Ohio Division of Financial Institutions
NMLS Consumer Access is the official, free lookup for mortgage companies and loan officers.
Ohio has about 11.9 million residents, according to the U.S. Census Bureau's estimate for July 1, 2025. As a licensed mortgage loan originator in Ohio (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 12 largest Ohio cities by population. Population: U.S. Census Bureau estimates for July 1, 2025.
Whether you are buying in Columbus, Cleveland, Cincinnati, or a smaller community, we work with borrowers throughout Ohio and can walk you through loan options that fit your plans and your property.
Sources: U.S. Census Bureau, Vintage 2025 city population estimates · Ohio Statehouse · Ohio State University · Rock & Roll Hall of Fame · NPS William Howard Taft · NPS Cuyahoga Valley · NPS Dayton Aviation Heritage · Pro Football Hall of Fame.
A few facts worth knowing before you buy in Ohio.
Sources: Ohio Department of Taxation, annual tax rates · Ohio Department of Taxation, sales and use tax · NOAA NCEI 1991-2020 climate normals (Columbus, Cleveland) · U.S. DOT time zone map · NIST, daylight saving time · Wright-Patterson AFB · Hanscom AFB, About Us (AFMC headquarters).
From Lake Erie to the hills of southeastern Ohio, here are eight places to explore.
Forests, rolling hills, and farmland along the Cuyahoga River, with the Towpath Trail on the route of the Ohio & Erie Canal.
Towering cliffs, waterfalls, and hemlock-shaded gorges in southeastern Ohio.
Earthworks built nearly 2,000 years ago, part of the nation's 25th World Heritage Site.
Honors aviation pioneers Wilbur and Orville Wright and poet Paul Laurence Dunbar.
A 352-foot Doric column over Lake Erie at Put-in-Bay, honoring the Battle of Lake Erie in the War of 1812.
The museum in Cleveland, which broke ground in 1993.
In Canton, where the NFL was founded on September 17, 1920.
The Cincinnati house where William Howard Taft was born and grew up.
Sources: NPS Cuyahoga Valley · Ohio DNR, Hocking Hills State Park · NPS Hopewell Culture · NPS Dayton Aviation Heritage · NPS Perry's Victory · Rock & Roll Hall of Fame · Pro Football Hall of Fame · NPS William Howard Taft · Ohio. The Heart of it All (TourismOhio).
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 Ohio, and Loan Factory, Inc. (NMLS #320841) holds Ohio license RM.804641.000 (Residential Mortgage Lending Act Certificate of Registration) from the Ohio Division of Financial Institutions. You can verify both on NMLS Consumer Access.
Yes. Jerry is licensed in Ohio 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. For tax year 2025, Ohio taxes the first $26,050 of nonbusiness income at 0%, income from $26,050 to $100,000 at 2.75%, and income above $100,000 at 3.125%, according to the Ohio Department of Taxation.
The state rate is 5.75%. Counties and transit authorities can add up to 3%, so the combined rate cannot exceed 8.75%, according to the Ohio Department of Taxation.
Cleveland averages about 64 inches of snow a year, compared with about 28 inches in Columbus, based on NOAA's 1991-2020 climate normals.
Apply with AI, shop rates online, or call or text (480) 526-4505. You can also send us a message with the form below.
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