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1ST Signature Lending

Independent Mortgage Company•Indianapolis, INHQ•Direct•Reviews near you on Google

1ST Signature Lending has 232 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Sound
3/5
Multi-Region · 1 mkts

Safe Rate Summary

What They Do Well

  • Particularly strong in FHA and VA loans

Things to Think About

  • Rates typically 62 basis points above market average
  • Higher than average fees ($5,285)

Explore another lender or local market

Report Card

1ST Signature Lending performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+61.7 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Mediocre
Bottom 20% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Acceptable
Bottom 40% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 2 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Acceptable
Product
Mediocre
Pricing
Acceptable
Pull Through
Acceptable
Volume46
Mix19.8%
Spread
+0.343%Above
Fees
$3,938Fees
FHA Loans
Overall
Sound
Product
Strong
Pricing
Mediocre
Pull Through
Sound
Volume110
Mix47.4%
Spread
+0.937%Above
Fees
$5,201Fees
VA Loans
Overall
Sound
Product
Strong
Pricing
Mediocre
Pull Through
Strong
Volume69
Mix29.7%
Spread
+0.385%Above
Fees
$6,870Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Acceptable
Product
Acceptable
Pricing
Mediocre
Pull Through
Acceptable
Volume148
Mix63.8%
Spread
+0.642%Above
Fees
$5,423Fees
Refinance
Overall
Sound
Product
Sound
Pricing—
Pull Through
Sound
Volume84
Mix36.2%
Spread
+0.386%Above
Fees
$3,990Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
232
Applications
334
Volume
$80 million
Pricing & Closing
Avg Rate Spread
+0.617%
vs. market APOR
Avg Net Fees
$5,285
Origination − Credits
Pullthrough Rate
69.5%
Applications → Closed
Typical Borrower
Avg Loan Amount
$345,129
Avg Borrower Income
$111,763
Avg Property Value
$383,534

Geographic Coverage

Geographic Performance

Metro Areas
1
markets with activity
States Served
14
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

14
14 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast1
PA
Midwest2
INOH
South11
ALFLGAKYLANCSCTNTXVAWV

Top Metro Areas by Place Specialization Score

1© TheWxResearcher · CC0
Indianapolis, INMetro
Volume 11Mix 4.74% of portfolio
43/100
Sound

Top States by Place Specialization Score

Tennessee
Tennessee
1
TennesseeState
Volume 33Mix 14.22% of portfolio
54/100
Sound
Georgia
Georgia
2
GeorgiaState
Volume 31Mix 13.36% of portfolio
52/100
Sound
North Carolina
North Carolina
3
North CarolinaState
Volume 34Mix 14.66% of portfolio
52/100
Sound
Indiana
Indiana
4
IndianaState
Volume 26Mix 11.21% of portfolio
51/100
Sound
South Carolina
South Carolina
5
South CarolinaState
Volume 20Mix 8.62% of portfolio
49/100
Sound
Florida
Florida
6
FloridaState
Volume 33Mix 14.22% of portfolio
49/100
Sound
Ohio
Ohio
7
OhioState
Volume 23Mix 9.91% of portfolio
48/100
Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.