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Pennsylvania · Powered by Loan Factory
Jerry Kindig is licensed in Pennsylvania. As an independent mortgage broker, we shop your loan across 220+ wholesale lenders, whether you are buying or refinancing in Pennsylvania.
Licensed in Pennsylvania
PALoan Factory, Inc. license, from our state license list.
Loan Factory, Inc. (NMLS #320841), the brokerage behind Pick My Mortgage Rate, holds this Pennsylvania license. Jerry Kindig (NMLS #2397823) is personally licensed as a mortgage loan originator in Pennsylvania.
Loan Factory, Inc. license in Pennsylvania, from our state license list:
Mortgage Lender License
License#: 116324
Licensed by Pennsylvania Department of Banking and Securities
NMLS Consumer Access is the official, free lookup for mortgage companies and loan officers.
Pennsylvania has about 13.1 million residents, according to the U.S. Census Bureau's estimate for July 1, 2025. As a licensed mortgage loan originator in Pennsylvania (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 Pennsylvania cities by population. Population: U.S. Census Bureau estimates for July 1, 2025.
Whether you are buying in Philadelphia, Pittsburgh, Harrisburg, or a smaller community, we work with borrowers throughout Pennsylvania and can walk you through loan options that fit your plans and your property.
Sources: U.S. Census Bureau, Vintage 2025 city population estimates · NPS Independence · Pennsylvania State Parks, Presque Isle · NPS Steamtown · Pennsylvania State Capitol.
A few facts worth knowing before you buy in Pennsylvania.
Sources: Pennsylvania Department of Revenue, personal income tax · Pennsylvania Department of Revenue, sales and use tax · NOAA NCEI 1991-2020 climate normals (Philadelphia, Pittsburgh, Erie) · U.S. DOT time zone map · NIST, daylight saving time · U.S. Army Garrison Carlisle Barracks.
From Philadelphia's founding sites to the shore of Lake Erie, here are eight places to explore.
Home of the Liberty Bell and Independence Hall, a UNESCO World Heritage Site where the Declaration of Independence and U.S. Constitution were debated and signed.
Site of the Battle of Gettysburg, a turning point in the Civil War and the inspiration for President Abraham Lincoln's Gettysburg Address.
Where George Washington and the Continental Army took refuge in the winter of 1777-1778, with 3,500 acres of meadows, woodlands, and monuments.
Honors the 40 passengers and crew aboard Flight 93 on September 11, 2001, whose actions thwarted the attack on the U.S. Capitol.
Hiking, paddling, and fishing along 40 miles of the Delaware River, on the Pennsylvania-New Jersey line.
Steam locomotives and the story of steam railroading, in the former railyards of Scranton.
Sandy beaches on a Lake Erie peninsula that shelters Presque Isle Bay, the harbor for the city of Erie.
The Frank Lloyd Wright house, a National Historic Landmark inscribed on the UNESCO World Heritage List, open for tours.
Sources: NPS Independence · NPS Gettysburg · NPS Valley Forge · NPS Flight 93 · NPS Delaware Water Gap · NPS Steamtown · Pennsylvania State Parks, Presque Isle · Fallingwater · Visit Pennsylvania.
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 Pennsylvania, and Loan Factory, Inc. (NMLS #320841) holds Pennsylvania Mortgage Lender License 116324 from the Pennsylvania Department of Banking and Securities. You can verify both on NMLS Consumer Access.
Yes. Jerry is licensed in Pennsylvania 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. Pennsylvania's personal income tax rate is 3.07%, according to the Pennsylvania Department of Revenue.
The state rate is 6%. By law, a 1% local tax is added in Allegheny County and a 2% local tax in Philadelphia, according to the Pennsylvania Department of Revenue.
Erie averages about 104 inches of snow a year, compared with about 44 inches in Pittsburgh and about 23 inches in Philadelphia, based on NOAA's 1991-2020 climate normals.
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