1ST Signature Lending
1ST Signature Lending has 232 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.
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
Promptness
Not enough data
—/5
No quote responses measured yet
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
1/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
46 loans · 0.34% above market
Mediocre
Bottom 20% of lenders
1/5
FHA
110 loans · 0.94% above market
Strong
Top 40% of lenders
4/5
VA
69 loans · 0.39% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
148 loans · 0.64% above market
Acceptable
Bottom 40% of lenders
2/5
Refinance
84 loans · 0.39% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 2 markets
Sound
Top 60% of lenders
3/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 46 | 19.8% | +0.343%Above | $3,938Fees | ||||
FHA Loans | 110 | 47.4% | +0.937%Above | $5,201Fees | ||||
VA Loans | 69 | 29.7% | +0.385%Above | $6,870Fees |
Conventional
OverallAcceptable
ProductMediocre
PricingAcceptable
Pull ThroughAcceptable
Volume46
Mix19.8%
Spread
+0.343%Above
Fees
$3,938Fees
FHA Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughSound
Volume110
Mix47.4%
Spread
+0.937%Above
Fees
$5,201Fees
VA Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume69
Mix29.7%
Spread
+0.385%Above
Fees
$6,870Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 148 | 63.8% | +0.642%Above | $5,423Fees | ||||
Refinance | — | 84 | 36.2% | +0.386%Above | $3,990Fees |
Purchase
OverallAcceptable
ProductAcceptable
PricingMediocre
Pull ThroughAcceptable
Volume148
Mix63.8%
Spread
+0.642%Above
Fees
$5,423Fees
Refinance
OverallSound
ProductSound
Pricing—
Pull ThroughSound
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
14Full-year 2024 · HMDALoans originated
< 2020+None
Northeast1
PA
Midwest2
INOH
South11
ALFLGAKYLANCSCTNTXVAWV
Top Metro Areas by Place Specialization Score
Top States by Place Specialization Score
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 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.