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Jerry Kindig is licensed in Tennessee. As an independent mortgage broker, we shop your loan across 220+ wholesale lenders, whether you are buying or refinancing in Tennessee.
Licensed in Tennessee
TNLoan Factory, Inc. license, from our state license list.
Loan Factory, Inc. (NMLS #320841), the brokerage behind Pick My Mortgage Rate, holds this Tennessee license. Jerry Kindig (NMLS #2397823) is personally licensed as a mortgage loan originator in Tennessee.
Loan Factory, Inc. license in Tennessee, from our state license list:
Mortgage License
License#: 224255
Licensed by Tennessee Department of Financial Institutions, Compliance Division
NMLS Consumer Access is the official, free lookup for mortgage companies and loan officers.
Tennessee has about 7.3 million residents, according to the U.S. Census Bureau's estimate for July 1, 2025. As a licensed mortgage loan originator in Tennessee (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 Tennessee cities and towns by population. Population: U.S. Census Bureau estimates for July 1, 2025 (Nashville: consolidated metropolitan government).
Whether you are buying in Nashville, Memphis, Knoxville, Chattanooga, or a smaller community, we work with borrowers throughout Tennessee and can walk you through loan options that fit your plans and your property.
Sources: U.S. Census Bureau, Vintage 2025 city population estimates · Tennessee Secretary of State, State Capitol · National Civil Rights Museum · University of Tennessee, Knoxville · Middle Tennessee State University · NPS Stones River.
A few facts worth knowing before you buy in Tennessee.
Sources: Tennessee Department of Revenue, GEN-34 · Tennessee Department of Revenue, Hall income tax · Tennessee Department of Revenue, sales and use tax · NOAA NCEI 1991-2020 climate normals (Nashville, Memphis) · 49 CFR Part 71 (time zones) · U.S. DOT time zone map · NIST, daylight saving time · Arnold Air Force Base.
From the Great Smoky Mountains to Civil War battlefields, here are seven places to explore.
Straddles the North Carolina-Tennessee border. The NPS calls it America's most visited national park.
Nearly 110,000 American troops clashed here in a Civil War battle that resulted in 23,746 casualties.
The battle near Murfreesboro began on the last day of 1862.
The February 1862 Union victory here was followed within days by the fall of Clarksville and Nashville.
Explores Andrew Johnson's presidency (1865-69) and the Constitution at work after the Civil War.
Oak Ridge is one of the three secret communities where the Manhattan Project developed the first atomic bombs.
A Greek Revival building in Nashville, designed by William Strickland and completed in 1859.
Sources: NPS Great Smoky Mountains · NPS Shiloh · NPS Stones River · NPS Fort Donelson · NPS Andrew Johnson · NPS Manhattan Project · Tennessee Secretary of State, State Capitol · Tennessee Department of Tourist Development.
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 Tennessee, and Loan Factory, Inc. (NMLS #320841) holds Tennessee Mortgage License 224255 from the Tennessee Department of Financial Institutions, Compliance Division. You can verify both on NMLS Consumer Access.
Yes. Jerry is licensed in Tennessee 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.
Tennessee has no state income tax on earned income, according to the Tennessee Department of Revenue. The Hall income tax on interest and dividends was repealed for tax periods beginning on or after January 1, 2021.
The general state sales tax rate is 7%, and the local rate varies by county and city, according to the Tennessee Department of Revenue.
Most of Tennessee is on Central Time, including Nashville and Memphis. Eastern Tennessee, including Knoxville and Chattanooga, is on Eastern Time. Both observe daylight saving time.
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