1st Signature Lending, LLC Mortgage Lending & HMDA Data, 2023
In 2023, 1st Signature Lending, LLC of Indianapolis, IN reported 1,216 mortgage applications totaling $305.4 million, down 11% from 2022. The average application was for $251,151, and applicants reported an average income of $86,884. 62% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Fayetteville, NC (51), Columbia, SC (42) and Asheville, NC (30) (applications in parentheses).
| Mortgage Company & Address | 1st Signature Lending, LLC 9800 Crosspoint Blvd. Indianapolis, IN 46256 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 |
| Total Number of Mortgage Applications | 1,216 |
| Total Mortgage Loan Application Amount | $305,400,000 |
| Average Mortgage Loan Application Amount | $251,151 |
| Highest Mortgage Loan Application Amount | $725,000 |
| Average Applicant Income | $86,884 |
| Highest Applicant Income | $817,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records 1st Signature Lending, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Outside any metro area | 468 | $ 112,770,000 | $ 240,961 | $ 85,651 |
| Fayetteville, NC | 51 | $ 10,655,000 | $ 208,921 | $ 73,000 |
| Columbia, SC | 42 | $ 8,790,000 | $ 209,285 | $ 73,000 |
| Asheville, NC | 30 | $ 7,260,000 | $ 242,000 | $ 72,000 |
| Charlotte-Concord-Gastonia, NC-SC | 25 | $ 6,445,000 | $ 257,800 | $ 82,200 |
| Knoxville, TN | 24 | $ 7,170,000 | $ 298,750 | $ 88,000 |
| Durham-Chapel Hill, NC | 22 | $ 5,140,000 | $ 233,636 | $ 83,000 |
| Pensacola-Ferry Pass-Brent, FL | 22 | $ 4,650,000 | $ 211,363 | $ 81,000 |
| Tallahassee, FL | 22 | $ 6,470,000 | $ 294,090 | $ 98,000 |
| Jacksonville, FL | 19 | $ 5,715,000 | $ 300,789 | $ 97,000 |
| Indianapolis-Carmel-Anderson, IN | 18 | $ 4,520,000 | $ 251,111 | $ 116,000 |
| Crestview-Fort Walton Beach-Destin, FL | 17 | $ 4,685,000 | $ 275,588 | $ 88,000 |
| Gainesville, FL | 17 | $ 5,195,000 | $ 305,588 | $ 88,000 |
| Greenville-Anderson-Mauldin, SC | 17 | $ 3,655,000 | $ 215,000 | $ 76,000 |
| Augusta-Richmond County, GA-SC | 16 | $ 4,280,000 | $ 267,500 | $ 83,375 |
| Louisville/Jefferson County, KY-IN | 16 | $ 3,910,000 | $ 244,375 | $ 70,187 |
| Morristown, TN | 16 | $ 4,250,000 | $ 265,625 | $ 95,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 16 | $ 4,480,000 | $ 280,000 | $ 94,000 |
| Chattanooga, TN-GA | 13 | $ 3,255,000 | $ 250,384 | $ 91,846 |
| Columbus, OH | 13 | $ 4,645,000 | $ 357,307 | $ 113,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 13 | $ 3,875,000 | $ 298,076 | $ 92,692 |
| Atlanta-Sandy Springs-Roswell, GA | 12 | $ 4,210,000 | $ 350,833 | $ 108,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 12 | $ 2,790,000 | $ 232,500 | $ 98,000 |
| Daphne-Fairhope-Foley, AL | 11 | $ 2,925,000 | $ 265,909 | $ 93,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 11 | $ 3,225,000 | $ 293,181 | $ 80,000 |
| Orlando-Kissimmee-Sanford, FL | 10 | $ 2,660,000 | $ 266,000 | $ 88,000 |
| Panama City, FL | 10 | $ 2,680,000 | $ 268,000 | $ 93,000 |
| Amarillo, TX | 9 | $ 2,005,000 | $ 222,777 | $ 92,000 |
| Charleston-North Charleston, SC | 9 | $ 2,365,000 | $ 262,777 | $ 79,000 |
| Huntington-Ashland, WV-KY-OH | 9 | $ 2,065,000 | $ 229,444 | $ 106,000 |
| Cincinnati, OH-KY-IN | 8 | $ 2,570,000 | $ 321,250 | $ 107,000 |
| Clarksville, TN-KY | 7 | $ 1,605,000 | $ 229,285 | $ 78,000 |
| Florence, SC | 7 | $ 1,525,000 | $ 217,857 | $ 78,000 |
| Rocky Mount, NC | 7 | $ 1,375,000 | $ 196,428 | $ 64,000 |
| Tampa-St. Petersburg-Clearwater, FL | 7 | $ 2,095,000 | $ 299,285 | $ 103,000 |
| Valdosta, GA | 7 | $ 2,295,000 | $ 327,857 | $ 119,000 |
| Waco, TX | 7 | $ 1,585,000 | $ 226,428 | $ 87,000 |
| Cleveland, TN | 6 | $ 1,420,000 | $ 236,666 | $ 77,000 |
| Colorado Springs, CO | 6 | $ 2,540,000 | $ 423,333 | $ 118,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 6 | $ 1,390,000 | $ 231,666 | $ 82,000 |
| Houston-The Woodlands-Sugar Land, TX | 6 | $ 1,990,000 | $ 331,666 | $ 130,000 |
| Palm Bay-Melbourne-Titusville, FL | 6 | $ 1,520,000 | $ 253,333 | $ 95,000 |
| Raleigh, NC | 6 | $ 1,370,000 | $ 228,333 | $ 73,000 |
| San Antonio-New Braunfels, TX | 5 | $ 1,255,000 | $ 251,000 | $ 86,000 |
| Spartanburg, SC | 5 | $ 1,075,000 | $ 215,000 | $ 61,000 |
| Baton Rouge, LA | 4 | $ 970,000 | $ 242,500 | $ 119,000 |
| Denver-Aurora-Lakewood, CO | 4 | $ 1,260,000 | $ 315,000 | $ 111,000 |
| Greensboro-High Point, NC | 4 | $ 1,030,000 | $ 257,500 | $ 80,000 |
| Hattiesburg, MS | 4 | $ 950,000 | $ 237,500 | $ 72,000 |
| New Orleans-Metairie, LA | 4 | $ 920,000 | $ 230,000 | $ 73,000 |
| Owensboro, KY | 4 | $ 950,000 | $ 237,500 | $ 67,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 4 | $ 900,000 | $ 225,000 | $ 83,000 |
| Sumter, SC | 4 | $ 940,000 | $ 235,000 | $ 81,000 |
| Auburn-Opelika, AL | 3 | $ 515,000 | $ 171,666 | $ 62,000 |
| Bloomington, IN | 3 | $ 765,000 | $ 255,000 | $ 70,000 |
| Brunswick, GA | 3 | $ 655,000 | $ 218,333 | $ 78,000 |
| Columbus, GA-AL | 3 | $ 1,185,000 | $ 395,000 | $ 101,000 |
| Gulfport-Biloxi-Pascagoula, MS | 3 | $ 625,000 | $ 208,333 | $ 66,000 |
| Hammond, LA | 3 | $ 595,000 | $ 198,333 | $ 81,000 |
| Huntsville, AL | 3 | $ 595,000 | $ 198,333 | $ 49,000 |
| Kingsport-Bristol-Bristol, TN-VA | 3 | $ 825,000 | $ 275,000 | $ 104,000 |
| Lakeland-Winter Haven, FL | 3 | $ 1,025,000 | $ 341,666 | $ 121,000 |
| Mansfield, OH | 3 | $ 1,095,000 | $ 365,000 | $ 130,000 |
| Ocala, FL | 3 | $ 605,000 | $ 201,666 | $ 72,000 |
| San Angelo, TX | 3 | $ 605,000 | $ 201,666 | $ 92,000 |
| Toledo, OH | 3 | $ 865,000 | $ 288,333 | $ 122,000 |
| Athens-Clarke County, GA | 2 | $ 650,000 | $ 325,000 | $ 86,000 |
| Birmingham-Hoover, AL | 2 | $ 410,000 | $ 205,000 | $ 67,000 |
| Elizabethtown-Fort Knox, KY | 2 | $ 400,000 | $ 200,000 | $ 100,000 |
| Evansville, IN-KY | 2 | $ 410,000 | $ 205,000 | $ 66,000 |
| Gadsden, AL | 2 | $ 300,000 | $ 150,000 | $ 39,000 |
| Macon-Bibb County, GA | 2 | $ 550,000 | $ 275,000 | $ 101,000 |
| Mobile, AL | 2 | $ 620,000 | $ 310,000 | $ 93,000 |
| Oklahoma City, OK | 2 | $ 470,000 | $ 235,000 | $ 81,000 |
| Pittsburgh, PA | 2 | $ 330,000 | $ 165,000 | $ 53,000 |
| Punta Gorda, FL | 2 | $ 520,000 | $ 260,000 | $ 88,000 |
| Savannah, GA | 2 | $ 650,000 | $ 325,000 | $ 78,000 |
| Terre Haute, IN | 2 | $ 460,000 | $ 230,000 | $ 73,000 |
| The Villages, FL | 2 | $ 630,000 | $ 315,000 | $ 109,000 |
| Tyler, TX | 2 | $ 520,000 | $ 260,000 | $ 95,000 |
| Akron, OH | 1 | $ 395,000 | $ 395,000 | $ 81,000 |
| Albany, GA | 1 | $ 215,000 | $ 215,000 | $ 86,000 |
| Bloomsburg-Berwick, PA | 1 | $ 215,000 | $ 215,000 | $ 58,000 |
| Burlington, NC | 1 | $ 215,000 | $ 215,000 | $ 65,000 |
| Canton-Massillon, OH | 1 | $ 185,000 | $ 185,000 | $ 119,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 235,000 | $ 235,000 | $ 225,000 |
| Charleston, WV | 1 | $ 195,000 | $ 195,000 | $ 81,000 |
| Cleveland-Elyria, OH | 1 | $ 205,000 | $ 205,000 | $ 113,000 |
| Dallas-Plano-Irving, TX | 1 | $ 275,000 | $ 275,000 | $ 79,000 |
| East Stroudsburg, PA | 1 | $ 295,000 | $ 295,000 | $ 110,000 |
| Fort Wayne, IN | 1 | $ 95,000 | $ 95,000 | $ 36,000 |
| Gary, IN | 1 | $ 135,000 | $ 135,000 | $ 97,000 |
| Goldsboro, NC | 1 | $ 135,000 | $ 135,000 | $ 92,000 |
| Greenville, NC | 1 | $ 215,000 | $ 215,000 | $ 98,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 175,000 | $ 175,000 | $ 73,000 |
| Hinesville, GA | 1 | $ 185,000 | $ 185,000 | $ 34,000 |
| Johnson City, TN | 1 | $ 255,000 | $ 255,000 | $ 74,000 |
| Killeen-Temple, TX | 1 | $ 325,000 | $ 325,000 | $ 90,000 |
| Lubbock, TX | 1 | $ 335,000 | $ 335,000 | $ 260,000 |
| Memphis, TN-MS-AR | 1 | $ 305,000 | $ 305,000 | $ 93,000 |
| Montgomery County-Bucks County-Chester County, PA | 1 | $ 325,000 | $ 325,000 | $ 116,000 |
| Muncie, IN | 1 | $ 85,000 | $ 85,000 | $ 37,000 |
| Port St. Lucie, FL | 1 | $ 475,000 | $ 475,000 | $ 154,000 |
| Pueblo, CO | 1 | $ 405,000 | $ 405,000 | $ 121,000 |
| Richmond, VA | 1 | $ 285,000 | $ 285,000 | $ 62,000 |
| Sebring, FL | 1 | $ 325,000 | $ 325,000 | $ 55,000 |
| Tuscaloosa, AL | 1 | $ 225,000 | $ 225,000 | $ 107,000 |
| Warner Robins, GA | 1 | $ 245,000 | $ 245,000 | $ 77,000 |
| Weirton-Steubenville, WV-OH | 1 | $ 365,000 | $ 365,000 | $ 75,000 |
| Wilmington, NC | 1 | $ 255,000 | $ 255,000 | $ 91,000 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 675,000 | $ 675,000 | $ 147,000 |
Mortgage Loan Application Detail Totals for 1st Signature Lending, LLC in 2023
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 864 | $214,080,000 | $247,000 | $725,000 | $84,000 | $817,000 |
| Refinancing | 339 | $89,685,000 | $264,000 | $725,000 | $95,000 | $351,000 |
| Cash-out Refinancing | 13 | $1,635,000 | $125,000 | $205,000 | $67,000 | $125,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 890 | $222,890,000 | $250,000 | $725,000 | $88,000 | $817,000 |
| Black or African American | 203 | $50,915,000 | $250,000 | $725,000 | $81,000 | $308,000 |
| Hispanic | 88 | $22,210,000 | $252,000 | $615,000 | $83,000 | $182,000 |
| Not Provided | 17 | $4,565,000 | $268,000 | $555,000 | $83,000 | $140,000 |
| American Indian or Alaskan Native | 13 | $3,445,000 | $265,000 | $575,000 | $93,000 | $351,000 |
| Asian | 4 | $1,260,000 | $315,000 | $555,000 | $117,000 | $165,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $115,000 | $115,000 | $115,000 | $52,000 | $52,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 830 | $197,070,000 | $237,000 | $555,000 | $81,000 | $422,000 |
| VA-guaranteed (Veterans Administration) | 235 | $70,055,000 | $298,000 | $725,000 | $97,000 | $351,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 129 | $33,395,000 | $258,000 | $725,000 | $106,000 | $817,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 22 | $4,880,000 | $221,000 | $325,000 | $76,000 | $115,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 756 | $188,930,000 | $249,000 | $685,000 | $89,000 | $817,000 |
| Application Withdrawn By Applicant | 332 | $83,960,000 | $252,000 | $725,000 | $84,000 | $379,000 |
| Application Denied By Financial Institution | 128 | $32,510,000 | $253,000 | $545,000 | $80,000 | $308,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 1,088 | $272,890,000 | $250,000 | $725,000 | $87,000 | $817,000 |
| Collateral | 48 | $13,190,000 | $274,000 | $545,000 | $101,000 | $308,000 |
| Debt-To-Income Ratio | 27 | $6,295,000 | $233,000 | $405,000 | $55,000 | $119,000 |
| Employment History | 14 | $2,900,000 | $207,000 | $355,000 | $59,000 | $131,000 |
| Credit History | 13 | $3,145,000 | $241,000 | $395,000 | $71,000 | $133,000 |
| Unverifiable Information | 9 | $2,675,000 | $297,000 | $425,000 | $92,000 | $170,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 9 | $2,485,000 | $276,000 | $405,000 | $78,000 | $103,000 |
| Other | 8 | $1,820,000 | $227,000 | $315,000 | $85,000 | $123,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into 1st Signature Lending, LLC's 2023 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess 1st Signature Lending, LLC's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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