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”.

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. – Slat 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 #3148