Applications / Mortgage Analytics / Lenders / Ohio / Signature Bank
Toledo, OH · National bank · OCC · $1.3 billion assets · 75 loans in 2025
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75
loans originated, 2025
80
applications, 2025
7
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Signature Bank, a Toledo national bank that has reported since 2003, makes home loans about twice the size of similar banks' typical loan.
Signature's typical loan in 2025 was $365,000. The typical similar lender, a national bank making between half and twice as many loans, lent $185,000. Only about one in seven peers made larger loans. Every loan was conventional, with no government backing.
Low- and moderate-income (LMI) borrowers took 9.6% of its loans, against 23.4% at the typical peer, and LMI neighborhoods 8.2%, against 16.2%. Its larger loans offer one possible reason, since they point to borrowers buying dearer homes. With 75 loans, a handful of borrowers moves these shares.
Its loans rose 12% to 75, ahead of peers' 4% and a little above the whole market's 10%. It filed no report for 2020 to 2022, so its record has a gap there. It now lends in 21 counties across seven states, and first lent in Greenville and Virginia Beach in 2025, though its share in each rounds to nothing.
Toledo remains its base. It ranked 28 of 334 lenders there in 2025, a market led by The Huntington National Bank. In nearby Sandusky it ranked 55 of 230, and its share rose to 0.3%. Its purchase loans made up 54.7% of lending, with home improvement a further 16.0%.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Signature Bank took 80 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 54.7% · Home improvement 16.0% · Other 14.7% · Refinance 14.7%
Conventional 100.0% · of 75 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Ohio | 55 | 73.3% |
| Michigan | 11 | 14.7% |
| Florida | 5 | 6.7% |
| Colorado | 1 | 1.3% |
| Illinois | 1 | 1.3% |
| South Carolina | 1 | 1.3% |
| Virginia | 1 | 1.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Toledo | 48 |
| Monroe | 4 |
| Sandusky | 4 |
| Cape Coral-Fort Myers | 3 |
| Chicago-Naperville-Schaumburg | 1 |
| Grand Rapids-Wyoming-Kentwood | 1 |
| Greenville-Anderson-Greer | 1 |
| Naples-Marco Island | 1 |
| North Port-Bradenton-Sarasota | 1 |
| Virginia Beach-Chesapeake-Norfolk | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300MONA3L2BDK8Q22 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3076604 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 124264 | 2003–2017 |
Established 2 April 2002. Reported under HMDA 2003-2025.
Mergers, name changes, data editions and corrections: Signature Bank's data.
Signature Bank's data
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