Kit Bate

Mortgage Loan Officer  |  NMLS# 231831

6707 S. 1300 E. Ste 200 Salt Lake City, Utah 84121

(801) 679-6125

(801) 641-0569

(801) 942-7233

With just 5 minutes on the phone or in your home we can see if you prequalify and start a Home-Buying Plan that fits you – no obligation.

I look forward to helping you! Just call my cell (801) 641-0569, or click on my email address above and let me know how I can reach you. So, call or click and let’s get you closer to what YOU want.


Clients have described me as:

  • Knowing all the program options available in Utah
  • Great at helping people learn and understand their options
  • Able to offer some of the lowest rates and fees
  • A mortgage team leader who can close your loan in as little as 15 days
  • Always available by phone, in your home, or my office – your choice
  • A mortgage consultant who genuinely cares about your happiness


During my career I’ve focused heavily on providing better communication than people find in this industry. I believe superior communication up-front in my planning and strategy phase eliminates errors, costly surprises and last minute delays typically found in most banks and many mortgage companies. Continuing communication throughout the rest of the process brings my clients peace of mind and confidence they’re getting what they want. People tell me my communication focus has made their home-buying or refinancing experience far less stressful than any of their past experiences. They also tell their friends, family, and others to contact me, which is the highest compliment I ever receive.

My special thanks to those who let me help them and their friends!


I was born and raised in Atlanta, Georgia and started my career as a mortgage loan officer during my senior year at the University of Utah while finishing my Business Finance degree. I met the love of my life at the U and we now have a growing family! I believe I’m unusually service minded and very active in local community and church programs – I enjoy offering this same attitude to my clients. With experience as a professional cliff diver, amateur exhibition-style snow and wake boarder I’m not afraid of challenging situations!! I loooove hearing my clients say at closing “everyone else said they couldn’t do what you’ve done”.


Wow! Working with Kit was a great experience he told us ways to get into the home we wanted but couldn't afford. He knew about the Own in Ogden program and the other people we had originally talked to didn't know didn't go that extra mile to help us. Kit and his team were nice and cared about helping us. We now have a house that we will make our home, thanks to them. The only bad part was all that darn paperwork to submit. :)
Cris & Jenny R. – Ogden, UT
Kit was amazing to work with from the beginning, although it took a few months to actually make sure it was the right move for my specific circumstance Kit would always follow up with me and see how things were going even if he knew I wasn't ready to make the purchase at that moment. Once I was ready to proceed and after I went through the whole process of finding a house, putting in an offer, and then finally getting an offer accepted he and his team were there step by step to guide me through what I needed to do. I was a first time home buyer and had no idea where to even start, but if I had any questions at all I knew I had Kit to go to and I never once felt like I was being pressured to do anything and I always felt that any information I received from him was always in my best interest. I had heard from so many friends and family that buying a house is this huge and extremely stressful thing to do, but after everything was all said and done I was really surprised at how simple and easy everything was and I believe that can be credited to Kit and his team for the outstanding job they did behind the scenes making it as seamless as can be. If I ever purchase another home or have anyone looking for a recommendation of who to buy or sell a home through I would strongly recommend Kit!
Jordan P. – Taylorsville, UT
When we first came to Kit, we were desperate to find a mortgage provider to suit our situation. We had a couple of other companies tell us our situation wouldn't work with the home we wanted to purchase. Kit was amazing! He knows his stuff!! He knew a lot of different options and worked hard to make one work for our situation. He and his staff were so great. They answered all of our concerns and questions right away and made us feel confident with our decisions. Kit personally checked in with us every few weeks for months to get us where we needed to be. Once we got started, it was just a few weeks and we were able to purchase our home with ease. We were 100% pleased with the way it all went down. We are in a great home, in a wonderful neighborhood all thanks to Kit and his excellent staff. We have recommended him to all of our closest family and friends. With out a doubt, you can trust Kit Bate and his staff with everything. Thanks again to you for all your help! You were amazing.
Spencer & Megan M. – Fruit Heights, UT
Working with Kit Bate was a great experience. The process of refinancing our home was QUICK! About 2 weeks from start to finish!! Every option was explained in detail so we could make the best decision for our family and future. All of our questions were answered quickly and thoroughly. We will definitely refer Kit to anyone who needs mortgage assistance.
Matt and April T. – West Point, UT
Thank you for making the events leading up to our wedding day SO much less stressful. We're still so appreciative of all your help and are supper happy with the terms of our refi and payment.
Amber & Cade F. – South Jordan, UT
I really appreciated the way you guys were able to expedite everything and work around a wedding, and honeymoon. It was so wonderful to know the progress along the way when I would get emails regarding the status of the loan, that was very helpful. You guys were so fantastic to work with, and it really felt like a personal interest was taken along the way. I didn’t get tossed around to other people, I always knew who I was working with and that was very great. Thanks again, I have been telling everyone how great you guys were!
Kelly D. – Ogden, UT
Three for three! I wanted to give my appreciation again for the outstanding service you performed in the refinance of my home! Three years ago I was worried I would not have the time to pull off selling and purchasing the home I wanted. I was then first introduced to yourself by my realtor and was amazed at how quickly (and painless for me) pulled together everything needed for the closing of my old home and then the mortgage on my new home. I did not have to worry about anything except how to move into my new home since the transactions you performed went so smoothly! Then last November I married my beautiful wife and we wanted to immediately merge our life's together selling her home and refinancing my home with her name on the new mortgage to make it our home together. Having worked with yourself before and was so impressed I gave you a call to assist in the new mortgage. And just as before you pulled through locking in a great rate along with all the extra work required to add my wife to the mortgage which was not easy. Thanks again so much Kit in the original mortgages a few years back and the recent refinance. I will be referencing you whenever possible due to the outstanding service you provided me with.
Dan D. – Farmington, UT
Kit Bate was awesome at helping me get a mortgage! Kit stood by me as it took a little over a year to qualify for a mortgage due to complicated credit issues. He never gave up on me and gave me guidance on how I could raise my credit score. Once we were ready to close on our mortgage Kit's assistant was exceptional at walking us through the whole process and was very prompt in replying to all our questions and explaining everything we needed to do to close. Kit was able to get us a great rate which was greatly appreciated considering my prior credit history. I will definitely use Kit for any future mortgages I will ever need and would recommend him to everyone I know.
David P. – Bluffdale, UT
I was referred to Kit by a friend, and I am quite pleased with what Kit has done.  He has worked to ensure that things were relatively smooth for the entire process, and he was willing to make sure that all items involved with the closing would work around my schedule.
Bob K. – Taylorsville, UT
"I appreciated Kit helping me finish our financing when we were on such a tight schedule. He was very responsive and helpful and I felt like I could trust him."
Matthew W. – Salt Lake City, UT
Working with Kit was great. I had to do very little work on my end. He found the lender, filed the paperwork, and got the loan set up. All I had to do was sign the papers. I found him and his team very trustworthy, and I had no worries about getting the loan approved. I am very appreciative of all the hard work and focus he put into helping me buy my first home. Thanks again for the help!!!
Jason N. – West Valley City, UT
I have no problem sharing about Kit! Our experience was very good with him. He answered all of my questions with expertise, and never put any amount of pressure one way or another on what decisions we should make. He really knows his stuff! I loved how on top of everything he was, and informed us of all the things we needed to know. Every last detail was explained simply, and with kindness. I loved how he handled every bit of this huge process. I would suggest him to every future homeowner I know!
Paul & Raychel M. – Eagle Mountain
It was easy working with Kit. I had a bad experience working with the Bank trying to get a re-fi done. I spoke with Kit about my frustration in trying to re-fi through the bank. I came to realize that working with a Mortgage Broker is the way to go. Kit fought for me and got my appraisal where it needed to be. After that, it was smooth sailing. I would recommend Kit to anyone trying to get a mortgage. He got it done vs. the bank NOT GETTING IT DONE. Mission Complete. cheers
Matt W. – Ogden, UT
I worked for a Title Agency and did the policies and commitments. I saw A LOT of Mortgage Brokers, Lenders and Realtors walk through our doors over 6+ years and few people had the amount of repeat clients that Kit did. And his deals were always clean and consistent. And on an even better note he knows how to make people feel at ease and I think that's why we became fast friends. I am just writing to say thank you Kit for being such a trustworthy person. It means the world to me that I can send my family and friends to you knowing you will give them honesty, respect and experience. Your integrity is the reason why we refer anyone we can to you.
Jesse and Chelsea H. – Riverton, UT
Kit Bate is amazing! We heard about how greedy, uncaring and awful a loan officer can be. Yet, this was not the case for Kit. He was helpful, prompt and caring. I am so glad we went with Kit. I can honestly say I would not be in my home right now without him. Previous loan officers said we could not get a home right now. He helped us get where we needed to be to get our home. I am so thankful and would recommend him to anyone. I would never use anyone else.
Travis L. – Grantsville, UT
Working with Kit and his team is ALWAYS great. As an agent I’ve closed a LOT of transactions with Kit over the years, some were my own properties. I recently closed on another refinance with Kit for one of my properties –smooth as usual and right on schedule! Kit always maintains a high level of professionalism and treats each of his clients like they’re family.
Doug C. – Salt Lake City, UT
When my finance and I were looking to purchase a home Kit and Republic Mortgage were referred to us by our agent. Kit and Cary were in communication from square one. Kit made regular phone calls each step along the way, which then were followed up by an email from Cary. The frequent communication put my and my fiances mind at ease during the approval process. Kit, Cary, and the Republic Mortgage team made one of the biggest decisions of our life the easiest! Thanks again to them for a job VERY well done! Thanks!
Tyler & Lindsy B. – Salt Lake City, UT
We really enjoyed working with Kit. He was very fast and got things done very quickly! He answered all of my questions and was very professional! I would refer him to anyone one who needed a home loan. I plan on coming back if i need to refinance, I know he got us the best rate! Thanks for everything!
Ryan & Melia S. – Tooele, UT
We had such a great experience with Kit Bate! The first time I went in an talked to him we weren't really even looking to get pre-approved. I couldn't believe we got pre-approved that day! He set us up with a realtor and we started looking for a home the following week. Kit was really good about keeping in touch with us while we were just looking for the home just to make sure we didn't have any questions about the process. We had LOTS of questions that started to surface as we became more familiar with the process. Kit was REALLY easy to get a hold of. Me and my husband were really impressed by his willingness to help us throughout this whole process. We highly recommend Kit to anyone looking to buy a home!!
Jordan & Chelsey R. – West Valley City
You have a great way of explaining the complexities of buying a house. Many finance companies and real estate agencies make you feel like an idiot simpleton the way they talk down to you. They act like their time is so precious, and valuable that just being in their presence is good enough to satisfy your concerns. Kit came in and made me feel like he had my back. It took a lot of pressure off my mind and worrying about the numbers, and options.
Jeff W. – Bountiful, UT
I’m sorry for all the complications we ran into because of the difficulty of our situation. Thank you for your patience, skill at what you do, and helping our lives be so blessed. Things happened so quickly and I know much of that has to do with you being an expert in your field. I am so very grateful that my cousin both knew and recommended you (he speaks very highly of you as well).
McKenna N. – Sandy, UT


Want to work for one of the fastest-growing, top-rated mortgage companies in the country? CLICK HERE today to learn more about us and the opportunities we have for you.

Corporate Offices

5241 S State Street, Suite 2
Murray, Utah 84107

Phone: (801) 288-9400
Toll Free: (800) 574-9400
Fax: (801) 261-3516
NMLS Consumer Access