1st Signature Lending, LLC Mortgage Lending & HMDA Data, 2018
In 2018, 1st Signature Lending, LLC of Indianapolis, IN reported 1,334 mortgage applications totaling $247.8 million, about the same as 2017. The average application was for $185,772, and applicants reported an average income of $69,376. 50% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Indianapolis-Carmel-Anderson, IN (171), Nashville-Davidson--Murfreesboro--Franklin, TN (56) and Columbus, OH (43) (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 | 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 1,334 |
| Total Mortgage Loan Application Amount | $247,820,000 |
| Average Mortgage Loan Application Amount | $185,772 |
| Highest Mortgage Loan Application Amount | $595,000 |
| Average Applicant Income | $69,376 |
| Highest Applicant Income | $934,000 |
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records 1st Signature Lending, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 414 | $ 70,440,000 | $ 170,144 | $ 63,681 |
| Indianapolis-Carmel-Anderson, IN | 171 | $ 30,445,000 | $ 178,040 | $ 66,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 56 | $ 13,350,000 | $ 238,392 | $ 74,000 |
| Columbus, OH | 43 | $ 8,065,000 | $ 187,558 | $ 72,000 |
| Atlanta-Sandy Springs-Roswell, GA | 37 | $ 7,315,000 | $ 197,702 | $ 73,000 |
| Louisville/Jefferson County, KY-IN | 37 | $ 6,285,000 | $ 169,864 | $ 69,864 |
| Cincinnati, OH-KY-IN | 29 | $ 5,985,000 | $ 206,379 | $ 85,482 |
| Knoxville, TN | 29 | $ 6,365,000 | $ 219,482 | $ 74,000 |
| Jacksonville, FL | 26 | $ 6,300,000 | $ 242,307 | $ 78,000 |
| Augusta-Richmond County, GA-SC | 23 | $ 5,645,000 | $ 245,434 | $ 80,652 |
| Savannah, GA | 19 | $ 4,375,000 | $ 230,263 | $ 88,000 |
| Denver-Aurora-Lakewood, CO | 16 | $ 5,460,000 | $ 341,250 | $ 100,000 |
| Gary, IN | 16 | $ 2,480,000 | $ 155,000 | $ 77,000 |
| Charlotte-Concord-Gastonia, NC-SC | 15 | $ 3,005,000 | $ 200,333 | $ 58,933 |
| Raleigh, NC | 15 | $ 3,065,000 | $ 204,333 | $ 84,000 |
| Elizabethtown-Fort Knox, KY | 14 | $ 2,630,000 | $ 187,857 | $ 77,000 |
| Lakeland-Winter Haven, FL | 14 | $ 1,830,000 | $ 130,714 | $ 42,000 |
| Dayton, OH | 13 | $ 2,885,000 | $ 221,923 | $ 94,000 |
| Muncie, IN | 13 | $ 2,295,000 | $ 176,538 | $ 94,000 |
| Chattanooga, TN-GA | 12 | $ 1,990,000 | $ 165,833 | $ 60,000 |
| Cleveland-Elyria, OH | 12 | $ 1,900,000 | $ 158,333 | $ 73,000 |
| Fort Wayne, IN | 12 | $ 1,600,000 | $ 133,333 | $ 43,000 |
| Evansville, IN-KY | 11 | $ 1,755,000 | $ 159,545 | $ 77,363 |
| Ocala, FL | 11 | $ 2,055,000 | $ 186,818 | $ 61,000 |
| Cleveland, TN | 10 | $ 1,910,000 | $ 191,000 | $ 78,000 |
| Crestview-Fort Walton Beach-Destin, FL | 10 | $ 2,190,000 | $ 219,000 | $ 55,000 |
| Palm Bay-Melbourne-Titusville, FL | 9 | $ 885,000 | $ 98,333 | $ 37,000 |
| Colorado Springs, CO | 8 | $ 2,450,000 | $ 306,250 | $ 91,000 |
| Lexington-Fayette, KY | 8 | $ 1,240,000 | $ 155,000 | $ 63,000 |
| Tampa-St. Petersburg-Clearwater, FL | 8 | $ 1,520,000 | $ 190,000 | $ 53,000 |
| Terre Haute, IN | 8 | $ 850,000 | $ 106,250 | $ 41,000 |
| Clarksville, TN-KY | 7 | $ 1,335,000 | $ 190,714 | $ 91,285 |
| Memphis, TN-MS-AR | 7 | $ 755,000 | $ 107,857 | $ 39,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 6 | $ 1,920,000 | $ 320,000 | $ 94,000 |
| Kokomo, IN | 6 | $ 990,000 | $ 165,000 | $ 72,000 |
| Rocky Mount, NC | 6 | $ 940,000 | $ 156,666 | $ 73,000 |
| Asheville, NC | 5 | $ 725,000 | $ 145,000 | $ 36,000 |
| Columbus, IN | 5 | $ 815,000 | $ 163,000 | $ 214,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 5 | $ 1,205,000 | $ 241,000 | $ 81,000 |
| Gainesville, FL | 5 | $ 1,265,000 | $ 253,000 | $ 68,000 |
| Greenville-Anderson-Mauldin, SC | 5 | $ 1,025,000 | $ 205,000 | $ 59,000 |
| Lafayette-West Lafayette, IN | 5 | $ 735,000 | $ 147,000 | $ 66,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 5 | $ 855,000 | $ 171,000 | $ 50,800 |
| Orlando-Kissimmee-Sanford, FL | 5 | $ 795,000 | $ 159,000 | $ 47,000 |
| South Bend-Mishawaka, IN-MI | 5 | $ 655,000 | $ 131,000 | $ 44,000 |
| Tallahassee, FL | 5 | $ 865,000 | $ 173,000 | $ 61,000 |
| Youngstown-Warren-Boardman, OH-PA | 5 | $ 465,000 | $ 93,000 | $ 52,000 |
| Akron, OH | 4 | $ 830,000 | $ 207,500 | $ 77,000 |
| Athens-Clarke County, GA | 4 | $ 650,000 | $ 162,500 | $ 64,000 |
| Bloomington, IN | 4 | $ 500,000 | $ 125,000 | $ 40,000 |
| Brunswick, GA | 4 | $ 930,000 | $ 232,500 | $ 77,000 |
| Canton-Massillon, OH | 4 | $ 560,000 | $ 140,000 | $ 105,000 |
| Columbia, SC | 4 | $ 1,180,000 | $ 295,000 | $ 102,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 4 | $ 770,000 | $ 192,500 | $ 52,000 |
| Fayetteville, NC | 4 | $ 720,000 | $ 180,000 | $ 56,000 |
| Jackson, TN | 4 | $ 610,000 | $ 152,500 | $ 70,000 |
| Albany, GA | 3 | $ 695,000 | $ 231,666 | $ 107,000 |
| Charleston-North Charleston, SC | 3 | $ 765,000 | $ 255,000 | $ 73,000 |
| Dalton, GA | 3 | $ 505,000 | $ 168,333 | $ 73,000 |
| Elkhart-Goshen, IN | 3 | $ 475,000 | $ 158,333 | $ 86,000 |
| Greeley, CO | 3 | $ 1,135,000 | $ 378,333 | $ 89,000 |
| Huntington-Ashland, WV-KY-OH | 3 | $ 525,000 | $ 175,000 | $ 69,666 |
| Miami-Miami Beach-Kendall, FL | 3 | $ 555,000 | $ 185,000 | $ 55,000 |
| New Bern, NC | 3 | $ 565,000 | $ 188,333 | $ 89,000 |
| Pensacola-Ferry Pass-Brent, FL | 3 | $ 325,000 | $ 108,333 | $ 122,000 |
| Pueblo, CO | 3 | $ 655,000 | $ 218,333 | $ 51,000 |
| Toledo, OH | 3 | $ 595,000 | $ 198,333 | $ 123,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 3 | $ 645,000 | $ 215,000 | $ 67,000 |
| Wilmington, NC | 3 | $ 725,000 | $ 241,666 | $ 68,000 |
| Bowling Green, KY | 2 | $ 200,000 | $ 100,000 | $ 68,000 |
| Burlington, NC | 2 | $ 330,000 | $ 165,000 | $ 54,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 210,000 | $ 105,000 | $ 55,000 |
| Durham-Chapel Hill, NC | 2 | $ 400,000 | $ 200,000 | $ 122,000 |
| Hickory-Lenoir-Morganton, NC | 2 | $ 370,000 | $ 185,000 | $ 61,000 |
| Johnson City, TN | 2 | $ 120,000 | $ 60,000 | $ 46,000 |
| Macon-Bibb County, GA | 2 | $ 420,000 | $ 210,000 | $ 81,000 |
| Naples-Immokalee-Marco Island, FL | 2 | $ 310,000 | $ 155,000 | $ 88,000 |
| North Port-Sarasota-Bradenton, FL | 2 | $ 380,000 | $ 190,000 | $ 79,000 |
| Owensboro, KY | 2 | $ 130,000 | $ 65,000 | $ 36,000 |
| Rome, GA | 2 | $ 330,000 | $ 165,000 | $ 33,000 |
| Wheeling, WV-OH | 2 | $ 200,000 | $ 100,000 | $ 33,000 |
| Columbus, GA-AL | 1 | $ 195,000 | $ 195,000 | $ 62,000 |
| Florence, SC | 1 | $ 245,000 | $ 245,000 | $ 56,000 |
| Goldsboro, NC | 1 | $ 185,000 | $ 185,000 | $ 94,000 |
| Greensboro-High Point, NC | 1 | $ 165,000 | $ 165,000 | $ 128,000 |
| Homosassa Springs, FL | 1 | $ 165,000 | $ 165,000 | $ 57,000 |
| Jacksonville, NC | 1 | $ 295,000 | $ 295,000 | $ 59,000 |
| Michigan City-La Porte, IN | 1 | $ 105,000 | $ 105,000 | $ 192,000 |
| Morristown, TN | 1 | $ 225,000 | $ 225,000 | $ 41,000 |
| Port St. Lucie, FL | 1 | $ 255,000 | $ 255,000 | $ 73,000 |
| Springfield, OH | 1 | $ 205,000 | $ 205,000 | $ 71,000 |
| Valdosta, GA | 1 | $ 225,000 | $ 225,000 | $ 60,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 205,000 | $ 205,000 | $ 32,000 |
| Winston-Salem, NC | 1 | $ 65,000 | $ 65,000 | $ 33,000 |
Mortgage Loan Application Detail Totals for 1st Signature Lending, LLC in 2018
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 | 560 | $114,370,000 | $204,000 | $495,000 | $72,000 | $347,000 |
| Refinancing | 524 | $99,870,000 | $190,000 | $595,000 | $72,000 | $934,000 |
| Cash-out Refinancing | 250 | $33,580,000 | $134,000 | $495,000 | $58,000 | $267,000 |
| 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 | 1,091 | $203,015,000 | $186,000 | $595,000 | $70,000 | $934,000 |
| Black or African American | 131 | $24,195,000 | $184,000 | $455,000 | $63,000 | $239,000 |
| Hispanic | 50 | $9,910,000 | $198,000 | $455,000 | $59,000 | $132,000 |
| Not Provided | 40 | $5,610,000 | $140,000 | $435,000 | $72,000 | $347,000 |
| Asian | 13 | $3,405,000 | $261,000 | $365,000 | $77,000 | $121,000 |
| American Indian or Alaskan Native | 5 | $705,000 | $141,000 | $285,000 | $45,000 | $70,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $580,000 | $290,000 | $345,000 | $81,000 | $81,000 |
| 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) | 696 | $121,630,000 | $174,000 | $595,000 | $63,000 | $239,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 280 | $50,310,000 | $179,000 | $455,000 | $79,000 | $934,000 |
| VA-guaranteed (Veterans Administration) | 257 | $60,425,000 | $235,000 | $465,000 | $83,000 | $218,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 101 | $15,455,000 | $153,000 | $335,000 | $53,000 | $99,000 |
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 | 671 | $131,225,000 | $195,000 | $485,000 | $74,000 | $934,000 |
| Application Withdrawn By Applicant | 470 | $82,410,000 | $175,000 | $595,000 | $67,000 | $209,000 |
| Application Denied By Financial Institution | 193 | $34,185,000 | $177,000 | $455,000 | $60,000 | $191,000 |
| 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 | 1,141 | $213,635,000 | $187,000 | $595,000 | $71,000 | $934,000 |
| Other | 64 | $9,510,000 | $148,000 | $365,000 | $58,000 | $163,000 |
| Debt-To-Income Ratio | 52 | $9,250,000 | $177,000 | $395,000 | $46,000 | $191,000 |
| Collateral | 40 | $8,680,000 | $217,000 | $455,000 | $83,000 | $177,000 |
| Credit History | 26 | $4,440,000 | $170,000 | $355,000 | $63,000 | $137,000 |
| Employment History | 7 | $1,435,000 | $205,000 | $345,000 | $41,000 | $84,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $580,000 | $290,000 | $365,000 | $94,000 | $123,000 |
| Mortgage Insurance Denied | 1 | $145,000 | $145,000 | $145,000 | $69,000 | $69,000 |
| Unverifiable Information | 1 | $145,000 | $145,000 | $145,000 | $30,000 | $30,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into 1st Signature Lending, LLC's 2018 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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