1st Signature Lending, LLC Mortgage Lending & HMDA Data, 2020
In 2020, 1st Signature Lending, LLC of Indianapolis, IN reported 1,845 mortgage applications totaling $375.4 million, up 29% from 2019. The average application was for $203,455, and applicants reported an average income of $78,341. 49% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Indianapolis-Carmel-Anderson, IN (243), Atlanta-Sandy Springs-Roswell, GA (88) and Charlotte-Concord-Gastonia, NC-SC (78) (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 | 1,845 |
| Total Mortgage Loan Application Amount | $375,375,000 |
| Average Mortgage Loan Application Amount | $203,455 |
| Highest Mortgage Loan Application Amount | $585,000 |
| Average Applicant Income | $78,341 |
| Highest Applicant Income | $720,000 |
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records 1st Signature Lending, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 432 | $ 77,120,000 | $ 178,518 | $ 63,238 |
| Indianapolis-Carmel-Anderson, IN | 243 | $ 49,405,000 | $ 203,312 | $ 86,000 |
| Atlanta-Sandy Springs-Roswell, GA | 88 | $ 20,170,000 | $ 229,204 | $ 85,000 |
| Charlotte-Concord-Gastonia, NC-SC | 78 | $ 20,500,000 | $ 262,820 | $ 119,743 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 61 | $ 14,435,000 | $ 236,639 | $ 87,000 |
| Cincinnati, OH-KY-IN | 58 | $ 13,040,000 | $ 224,827 | $ 91,362 |
| Louisville/Jefferson County, KY-IN | 43 | $ 8,165,000 | $ 189,883 | $ 90,627 |
| Columbia, SC | 35 | $ 5,635,000 | $ 161,000 | $ 61,000 |
| Tampa-St. Petersburg-Clearwater, FL | 33 | $ 6,395,000 | $ 193,787 | $ 80,000 |
| Raleigh, NC | 31 | $ 7,865,000 | $ 253,709 | $ 96,000 |
| Augusta-Richmond County, GA-SC | 29 | $ 6,875,000 | $ 237,068 | $ 81,620 |
| Columbus, OH | 28 | $ 7,210,000 | $ 257,500 | $ 83,000 |
| Denver-Aurora-Lakewood, CO | 26 | $ 8,790,000 | $ 338,076 | $ 111,000 |
| Greenville-Anderson-Mauldin, SC | 26 | $ 4,250,000 | $ 163,461 | $ 54,000 |
| Gary, IN | 25 | $ 4,165,000 | $ 166,600 | $ 73,000 |
| Muncie, IN | 23 | $ 4,335,000 | $ 188,478 | $ 95,000 |
| Durham-Chapel Hill, NC | 22 | $ 4,280,000 | $ 194,545 | $ 76,000 |
| Fayetteville, NC | 22 | $ 3,390,000 | $ 154,090 | $ 59,000 |
| Colorado Springs, CO | 20 | $ 6,860,000 | $ 343,000 | $ 84,000 |
| Knoxville, TN | 20 | $ 4,260,000 | $ 213,000 | $ 90,000 |
| Ocala, FL | 18 | $ 3,240,000 | $ 180,000 | $ 67,000 |
| Orlando-Kissimmee-Sanford, FL | 18 | $ 3,850,000 | $ 213,888 | $ 76,000 |
| Asheville, NC | 17 | $ 3,875,000 | $ 227,941 | $ 68,000 |
| Jacksonville, FL | 16 | $ 2,980,000 | $ 186,250 | $ 65,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 16 | $ 2,290,000 | $ 143,125 | $ 58,750 |
| Greensboro-High Point, NC | 15 | $ 2,325,000 | $ 155,000 | $ 56,000 |
| Savannah, GA | 15 | $ 3,885,000 | $ 259,000 | $ 97,000 |
| Charleston-North Charleston, SC | 14 | $ 3,650,000 | $ 260,714 | $ 81,000 |
| Chattanooga, TN-GA | 14 | $ 2,640,000 | $ 188,571 | $ 80,285 |
| Macon-Bibb County, GA | 14 | $ 3,340,000 | $ 238,571 | $ 90,000 |
| Akron, OH | 13 | $ 2,395,000 | $ 184,230 | $ 101,000 |
| Cleveland-Elyria, OH | 13 | $ 2,575,000 | $ 198,076 | $ 84,000 |
| Cleveland, TN | 12 | $ 1,730,000 | $ 144,166 | $ 47,000 |
| Gainesville, FL | 12 | $ 2,540,000 | $ 211,666 | $ 73,000 |
| Lafayette-West Lafayette, IN | 11 | $ 2,195,000 | $ 199,545 | $ 90,000 |
| Rocky Mount, NC | 11 | $ 1,655,000 | $ 150,454 | $ 56,000 |
| Dayton-Springfield-Kettering, OH | 10 | $ 2,520,000 | $ 252,000 | $ 123,000 |
| Kokomo, IN | 10 | $ 1,700,000 | $ 170,000 | $ 94,000 |
| Owensboro, KY | 10 | $ 1,690,000 | $ 169,000 | $ 62,000 |
| Burlington, NC | 8 | $ 1,740,000 | $ 217,500 | $ 67,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 8 | $ 2,350,000 | $ 293,750 | $ 125,000 |
| Athens-Clarke County, GA | 7 | $ 1,515,000 | $ 216,428 | $ 67,000 |
| Bloomington, IN | 7 | $ 1,895,000 | $ 270,714 | $ 92,000 |
| Clarksville, TN-KY | 7 | $ 1,055,000 | $ 150,714 | $ 57,857 |
| Lakeland-Winter Haven, FL | 7 | $ 1,225,000 | $ 175,000 | $ 46,000 |
| Toledo, OH | 7 | $ 1,685,000 | $ 240,714 | $ 88,000 |
| Winston-Salem, NC | 7 | $ 975,000 | $ 139,285 | $ 61,000 |
| Elizabethtown-Fort Knox, KY | 6 | $ 1,410,000 | $ 235,000 | $ 66,000 |
| Elkhart-Goshen, IN | 6 | $ 840,000 | $ 140,000 | $ 66,000 |
| Florence, SC | 6 | $ 1,160,000 | $ 193,333 | $ 97,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 6 | $ 1,840,000 | $ 306,666 | $ 96,000 |
| Tallahassee, FL | 6 | $ 1,540,000 | $ 256,666 | $ 71,000 |
| Cape Coral-Fort Myers, FL | 5 | $ 1,015,000 | $ 203,000 | $ 65,000 |
| Evansville, IN-KY | 5 | $ 675,000 | $ 135,000 | $ 62,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 5 | $ 1,315,000 | $ 263,000 | $ 84,000 |
| Gainesville, GA | 5 | $ 935,000 | $ 187,000 | $ 60,000 |
| Homosassa Springs, FL | 5 | $ 625,000 | $ 125,000 | $ 73,000 |
| Lexington-Fayette, KY | 5 | $ 1,005,000 | $ 201,000 | $ 52,000 |
| Michigan City-La Porte, IN | 5 | $ 565,000 | $ 113,000 | $ 36,000 |
| Morristown, TN | 5 | $ 725,000 | $ 145,000 | $ 63,000 |
| Palm Bay-Melbourne-Titusville, FL | 5 | $ 825,000 | $ 165,000 | $ 127,000 |
| Spartanburg, SC | 5 | $ 885,000 | $ 177,000 | $ 56,000 |
| The Villages, FL | 5 | $ 705,000 | $ 141,000 | $ 69,000 |
| Bowling Green, KY | 4 | $ 510,000 | $ 127,500 | $ 57,000 |
| Columbus, GA-AL | 4 | $ 860,000 | $ 215,000 | $ 104,000 |
| Crestview-Fort Walton Beach-Destin, FL | 4 | $ 570,000 | $ 142,500 | $ 77,000 |
| Dalton, GA | 4 | $ 550,000 | $ 137,500 | $ 203,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 4 | $ 850,000 | $ 212,500 | $ 61,000 |
| Greenville, NC | 4 | $ 540,000 | $ 135,000 | $ 53,000 |
| Miami-Miami Beach-Kendall, FL | 4 | $ 840,000 | $ 210,000 | $ 74,000 |
| Springfield, OH | 4 | $ 1,370,000 | $ 342,500 | $ 88,000 |
| Valdosta, GA | 4 | $ 710,000 | $ 177,500 | $ 82,000 |
| Warner Robins, GA | 4 | $ 460,000 | $ 115,000 | $ 40,000 |
| Youngstown-Warren-Boardman, OH-PA | 4 | $ 730,000 | $ 182,500 | $ 94,000 |
| Columbus, IN | 3 | $ 535,000 | $ 178,333 | $ 56,000 |
| Fort Wayne, IN | 3 | $ 385,000 | $ 128,333 | $ 75,000 |
| Naples-Immokalee-Marco Island, FL | 3 | $ 795,000 | $ 265,000 | $ 25,000 |
| New Bern, NC | 3 | $ 485,000 | $ 161,666 | $ 70,000 |
| Pensacola-Ferry Pass-Brent, FL | 3 | $ 535,000 | $ 178,333 | $ 78,000 |
| Sebastian-Vero Beach, FL | 3 | $ 485,000 | $ 161,666 | $ 50,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 3 | $ 565,000 | $ 188,333 | $ 87,000 |
| Wilmington, NC | 3 | $ 585,000 | $ 195,000 | $ 55,000 |
| Albany, GA | 2 | $ 330,000 | $ 165,000 | $ 89,000 |
| Brunswick, GA | 2 | $ 290,000 | $ 145,000 | $ 61,000 |
| Fort Collins, CO | 2 | $ 620,000 | $ 310,000 | $ 54,000 |
| Greeley, CO | 2 | $ 1,040,000 | $ 520,000 | $ 95,000 |
| Hickory-Lenoir-Morganton, NC | 2 | $ 210,000 | $ 105,000 | $ 42,000 |
| Hinesville, GA | 2 | $ 440,000 | $ 220,000 | $ 103,000 |
| Huntington-Ashland, WV-KY-OH | 2 | $ 200,000 | $ 100,000 | $ 58,000 |
| Memphis, TN-MS-AR | 2 | $ 530,000 | $ 265,000 | $ 112,000 |
| North Port-Sarasota-Bradenton, FL | 2 | $ 430,000 | $ 215,000 | $ 57,000 |
| Panama City, FL | 2 | $ 310,000 | $ 155,000 | $ 66,000 |
| South Bend-Mishawaka, IN-MI | 2 | $ 280,000 | $ 140,000 | $ 130,000 |
| Weirton-Steubenville, WV-OH | 2 | $ 230,000 | $ 115,000 | $ 52,000 |
| Canton-Massillon, OH | 1 | $ 95,000 | $ 95,000 | $ 37,000 |
| Jacksonville, NC | 1 | $ 165,000 | $ 165,000 | $ 50,000 |
| Port St. Lucie, FL | 1 | $ 55,000 | $ 55,000 | $ 20,000 |
| Pueblo, CO | 1 | $ 205,000 | $ 205,000 | $ 67,000 |
| Punta Gorda, FL | 1 | $ 185,000 | $ 185,000 | $ 56,000 |
| Rome, GA | 1 | $ 425,000 | $ 425,000 | $ 173,000 |
| Sebring, FL | 1 | $ 195,000 | $ 195,000 | $ 54,000 |
| Terre Haute, IN | 1 | $ 55,000 | $ 55,000 | $ 18,000 |
Mortgage Loan Application Detail Totals for 1st Signature Lending, LLC in 2020
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 |
|---|---|---|---|---|---|---|
| Refinancing | 1,052 | $215,430,000 | $204,000 | $585,000 | $82,000 | $415,000 |
| Home Purchase | 557 | $117,805,000 | $211,000 | $575,000 | $72,000 | $720,000 |
| Cash-out Refinancing | 236 | $42,140,000 | $178,000 | $515,000 | $77,000 | $450,000 |
| 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 | 1,375 | $277,805,000 | $202,000 | $575,000 | $77,000 | $720,000 |
| Black or African American | 199 | $38,545,000 | $193,000 | $485,000 | $70,000 | $300,000 |
| Not Provided | 120 | $23,570,000 | $196,000 | $585,000 | $83,000 | $234,000 |
| Asian | 69 | $19,565,000 | $283,000 | $515,000 | $128,000 | $312,000 |
| Hispanic | 65 | $12,815,000 | $197,000 | $415,000 | $71,000 | $165,000 |
| American Indian or Alaskan Native | 12 | $1,750,000 | $145,000 | $185,000 | $51,000 | $110,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $310,000 | $155,000 | $165,000 | $95,000 | $155,000 |
| 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 |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 890 | $183,100,000 | $205,000 | $585,000 | $95,000 | $720,000 |
| FHA-insured (Federal Housing Administration) | 573 | $108,325,000 | $189,000 | $415,000 | $62,000 | $236,000 |
| VA-guaranteed (Veterans Administration) | 273 | $64,625,000 | $236,000 | $525,000 | $68,000 | $267,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 109 | $19,325,000 | $177,000 | $335,000 | $58,000 | $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 | 902 | $194,240,000 | $215,000 | $535,000 | $81,000 | $497,000 |
| Application Withdrawn By Applicant | 723 | $138,535,000 | $191,000 | $575,000 | $80,000 | $720,000 |
| Application Denied By Financial Institution | 220 | $42,600,000 | $193,000 | $585,000 | $61,000 | $229,000 |
| 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 | 1,625 | $332,775,000 | $204,000 | $575,000 | $81,000 | $720,000 |
| Other | 75 | $15,445,000 | $205,000 | $585,000 | $74,000 | $229,000 |
| Debt-To-Income Ratio | 67 | $12,935,000 | $193,000 | $455,000 | $46,000 | $125,000 |
| Credit History | 35 | $5,555,000 | $158,000 | $375,000 | $55,000 | $113,000 |
| Collateral | 24 | $4,750,000 | $197,000 | $355,000 | $78,000 | $173,000 |
| Employment History | 11 | $2,475,000 | $225,000 | $385,000 | $54,000 | $101,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $1,190,000 | $198,000 | $325,000 | $71,000 | $144,000 |
| Unverifiable Information | 2 | $250,000 | $125,000 | $165,000 | $40,000 | $49,000 |
| 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 2020 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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