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Utah · Powered by Loan Factory
Jerry Kindig is licensed in Utah. As an independent mortgage broker, we shop your loan across 220+ wholesale lenders, whether you are buying or refinancing in Utah.
Licensed in Utah
UTLoan Factory, Inc. license, from our state license list.
Loan Factory, Inc. (NMLS #320841), the brokerage behind Pick My Mortgage Rate, holds this Utah license. Jerry Kindig (NMLS #2397823) is personally licensed as a mortgage loan originator in Utah.
Loan Factory, Inc. license in Utah, from our state license list:
Mortgage Entity License
License#: 10982851
Licensed by Utah Division of Real Estate
NMLS Consumer Access is the official, free lookup for mortgage companies and loan officers.
Utah has about 3.5 million residents, according to the U.S. Census Bureau's estimate for July 1, 2025. As a licensed mortgage loan originator in Utah (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 Utah cities by population. Population: U.S. Census Bureau estimates for July 1, 2025.
Whether you are buying in Salt Lake City, St. George, Ogden, or a smaller community, we work with borrowers throughout Utah and can walk you through loan options that fit your plans and your property.
Sources: U.S. Census Bureau, Vintage 2025 city population estimates · Utah History to Go, Utah State Capitol · University of Utah · Utah Valley University.
A few facts worth knowing before you buy in Utah.
Sources: Utah State Tax Commission, income tax rates · Utah State Tax Commission, Publication 25 (sales and use tax) · NOAA NCEI 1991-2020 climate normals (Salt Lake City) · U.S. DOT time zone map · NIST, daylight saving time · Hill Air Force Base, fact sheets.
Utah's five national parks, which Visit Utah calls the Mighty 5, anchor the south of the state. Here are seven places to explore.
Massive sandstone cliffs of cream, pink, and red, and the tall, narrow walls of slot canyons.
Hoodoos, irregular columns of rock, along a high plateau with dark night skies.
Over 2,000 natural stone arches, plus soaring pinnacles, rock fins, and balanced rocks.
Canyons, buttes, and spires carved by the Colorado and Green rivers, in four districts with no roads between them.
Cliffs, canyons, domes, and bridges along the Waterpocket Fold, a wrinkle in the earth almost 100 miles long, in south-central Utah.
The Last Spike Site of the first transcontinental railroad, with 1869 railroad construction features and replica locomotives.
Dinosaur fossils still embedded in the rock, plus petroglyphs, on the Utah-Colorado line.
Sources: NPS Zion · NPS Bryce Canyon · NPS Arches · NPS Canyonlands · NPS Capitol Reef · NPS Golden Spike · NPS Dinosaur · Visit Utah, The Mighty 5.
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 Utah, and Loan Factory, Inc. (NMLS #320841) holds Utah Mortgage Entity License 10982851 from the Utah Division of Real Estate. You can verify both on NMLS Consumer Access.
Yes. Jerry is licensed in Utah 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. Utah has a single income tax rate for all income levels, 4.5% since January 1, 2025, according to the Utah State Tax Commission.
The state sales tax rate is 4.85%, and local taxes are added, so the total depends on where you buy. Grocery food is taxed at 3% statewide, according to the Utah State Tax Commission.
Salt Lake City averages about 52 inches of snow a year, based on NOAA's 1991-2020 climate normals.
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