1st Signature Lending NMLS #27820
At a glance
- HeadquartersIndianapolis, IN
- Size986 home loans closed in 2025
- Loan typesFHA, VA and USDA
2025 figures are for 1ST SIGNATURE LENDING, LLC's filing.
What it closes
Share of its 2025 home loans: 72% FHA, 20% VA, 5% USDA and 3% Other types.
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Who is 1st Signature Lending?
1st Signature Lending (NMLS #27820) is a lender listed in the NMLS registry. FreeRateUpdate publishes this review alongside current mortgage rates, a rate finder, and mortgage calculators.
Key Facts
- Lender or broker1st Signature Lending
- NMLS #27820
- Verified by FreeRateUpdateCompany name and NMLS ID, checked against NMLS on
- In the FreeRateUpdate network since
- Profile updated
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About 1st Signature Lending
Overview
1st Signature Lending is a mortgage lender based in Indianapolis. The company focuses on construction-to-permanent mortgage lending, including one-time-close construction loans.
Mortgage options
Mortgage options include construction loans, purchase loans, refinance loans, and cash-out refinance loans. The company also identifies USDA, VA, and FHA loan programs, with FHA available for purchase, construction, and refinance loans.
Company details and licensing
1st Signature Lending is the consumer-facing name for 1st Signature Lending, LLC. Its trade names include 1st Signature Lending of Carmel Group, 1st Signature Lending of Carmel, and 1st Signature Lending of Fishers.
The company is headquartered at 9998 Crosspoint Blvd., Suite 250, Indianapolis, Indiana 46256. Its NMLS company ID is 27820. Licensing is verifiable through NMLS Consumer Access.
Verify NMLS #27820 on NMLS Consumer Access
Sources
Sources last checked . These are the outside records this profile was written from. FreeRateUpdate is not affiliated with them, and they have not reviewed, endorsed, or approved FreeRateUpdate or this page.
Formation date and trade names come from NMLS registry records. FreeRateUpdate is not affiliated with NMLS, and NMLS has not reviewed, endorsed, or approved FreeRateUpdate or this page.
Additional information
Reported application outcomes and pricing, 2025
- Filed as1ST SIGNATURE LENDING, LLC
- 2025 home loan decisionsOf 1,058 applications decided by 1ST SIGNATURE LENDING, LLC in 2025, 986 were originated, 0 were approved but not accepted by the borrower, and 72 were denied.
- Approval rate: approved (originated plus approved but not accepted) as a share of applications decided (approved plus denied) = 93.2%. Withdrawn, incomplete and purchased loans are not counted.
- Withdrawn, incomplete and purchasedBeyond the decisions above, 506 applications were withdrawn by the borrower, 0 were closed for incompleteness, and 0 loans were purchased from another lender. HMDA counts these as outcomes in their own right — withdrawn before a decision, closed with no decision reached, and a purchased loan is one bought from another lender — and none of them is a lending decision.
- Median rate spread0.299 percentage points above the average prime offer rate (reported on 986 originations)
These are reported outcomes from past applications, and on their own they do not show how this lender treated any borrower.
Reported closing costs, 2025
- Median total loan costs$14,836.78 — originated closed-end household loans, 2025, 981 of 986 loans. FFIEC HMDA data browser.
- Median origination charges$6,689.11 — originated closed-end household loans, 2025, 986 loans. FFIEC HMDA data browser.
- About these figuresThese are historical closing costs reported in the 2025 filing, not a quote for your loan.
Reported product mix, 2025
- Loan types28 Conventional, 713 FHA, 198 VA, 47 USDA — of 986 reported originations, 2025. FFIEC HMDA data browser.
Evidence read October 20, 2026
Source: FFIEC HMDA data browser, 2025 filing. Historical HMDA-reported application outcomes and pricing fields for 1ST SIGNATURE LENDING, LLC — historical outcomes for the applications it decided. This is not a statement of any consumer's likelihood of approval and not a current rate quote.
Frequently Asked Questions
What is 1st Signature Lending's NMLS number?
1st Signature Lending's NMLS number is 27820. You can look up its license status on NMLS Consumer Access, at nmlsconsumeraccess.org.
Has FreeRateUpdate verified 1st Signature Lending's NMLS ID?
Yes. We checked 1st Signature Lending's company name and NMLS ID against the NMLS record on August 12, 2026. They've been in our lender network since January 2013. That confirms who the company is. It isn't an endorsement, and it doesn't check their license in any particular state.
Where can I learn more about 1st Signature Lending?
This page has 1st Signature Lending's NMLS identity, which we verified, and its company details, with links to the records they come from where we have them. For its license status in a particular state, check NMLS Consumer Access.