# 1ST SIGNATURE LENDING, LLC

> **Canonical URL:** https://saferate.com/lenders/1st-signature-lending


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


1ST SIGNATURE LENDING, LLC is a independent mortgage company, headquartered in Indianapolis, IN, serving borrowers across 14 states, with 232 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 91% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 58% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300TKFZR4QBNE5D40
- **Headquarters:** Indianapolis, IN
- **Geographic Reach:** Multi-Region
- **States Served:** 14
- **State List:** AL, FL, GA, IN, KY, LA, NC, OH, PA, SC, TN, TX, VA, WV
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 9/100
- Rating: ●○○○○ (1/5)

### Pull Through: Sound ☺️
- Score: 42/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.617%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $5,285
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 232
- **Dollar Volume:** $80 million
- **Applications Received:** 334
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $345,129
- **Average Borrower Income:** $111,763
- **Average Property Value:** $383,534

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 19/100 | 46 | +0.343% | $3,938 | Mediocre 😐 |
| FHA | 62/100 | 110 | +0.937% | $5,201 | Strong 😀 |
| VA | 66/100 | 69 | +0.385% | $6,870 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 28 loans, Score: 22/100 (Acceptable)

**FHA:**
- Purchase: 75 loans, Score: 60/100 (Strong)
- Refinance: 35 loans, Score: 48/100 (Sound)

**VA:**
- Purchase: 38 loans, Score: 45/100 (Sound)
- Refinance: 31 loans, Score: 50/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 35/100 | 148 | $48M | +0.642% | Acceptable 🙂 |
| Refinance | 45/100 | 84 | $32M | +0.386% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NC | 34 | 0.02% | 52/100 |
| FL | 33 | 0.01% | 49/100 |
| TN | 33 | 0.04% | 54/100 |
| GA | 31 | 0.02% | 52/100 |
| IN | 26 | 0.03% | 51/100 |
| OH | 23 | 0.02% | 48/100 |
| SC | 20 | 0.03% | 49/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 85 | 55/100 |
| Indianapolis | IN | 11 | 43/100 |

## Frequently Asked Questions

### What loan types does 1ST SIGNATURE LENDING, LLC offer?

1ST SIGNATURE LENDING, LLC offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does 1ST SIGNATURE LENDING, LLC offer mortgages?

1ST SIGNATURE LENDING, LLC offers mortgages in 14 states: AL, FL, GA, IN, KY, LA, NC, OH, PA, SC, TN, TX, VA, WV.

### How competitive are 1ST SIGNATURE LENDING, LLC's mortgage rates?

1ST SIGNATURE LENDING, LLC has a pricing score of 9/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.617% above market average.

### What type of lender is 1ST SIGNATURE LENDING, LLC?

1ST SIGNATURE LENDING, LLC is a non-depository lender that specializes in mortgage origination, headquartered in Indianapolis, IN.

### What is 1ST SIGNATURE LENDING, LLC's loan approval success rate?

1ST SIGNATURE LENDING, LLC has a pull-through score of 42/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/1st-signature-lending

### How to Cite

> "1ST SIGNATURE LENDING, LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/1st-signature-lending

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