First Financial Services, Inc.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2010
First Financial Services, Inc. 2010 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | First Financial Services, Inc. 6230 Fairview Rd, 450 Charlotte, NC 28210 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 1,006 |
| Total Mortgage Loan Application Amount | $228,795,000 |
| Average Mortgage Loan Application Amount | $222,500 |
| Highest Mortgage Loan Application Amount | $1,260,000 |
| Average Applicant Income | $102,000 |
| Highest Applicant Income | $1,003,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2010 with First Financial Services, Inc.. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing First Financial Services, Inc.'s lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2010 breaks down First Financial Services, Inc.'s mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how First Financial Services, Inc. serves its applicants.
Each category highlights the total number of mortgage applications processed by First Financial Services, Inc., total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at First Financial Services, Inc.'s mortgage activity for 2010.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Mecklenburg County North Carolina | 194 | $ 36,843,000 | $ 189,000 | $ 91,000 |
| Wake County North Carolina | 107 | $ 22,182,000 | $ 207,000 | $ 98,000 |
| District of Columbia County District Of Columbia | 81 | $ 33,256,000 | $ 410,000 | $ 168,000 |
| Cabarrus County North Carolina | 52 | $ 9,650,000 | $ 185,000 | $ 77,000 |
| York County South Carolina | 42 | $ 10,139,000 | $ 241,000 | $ 102,000 |
| Durham County North Carolina | 40 | $ 7,940,000 | $ 198,000 | $ 101,000 |
| Orange County North Carolina | 37 | $ 9,687,000 | $ 261,000 | $ 144,000 |
| Iredell County North Carolina | 30 | $ 6,423,000 | $ 214,000 | $ 89,000 |
| Catawba County North Carolina | 29 | $ 4,626,000 | $ 159,000 | $ 76,000 |
| Union County North Carolina | 27 | $ 7,366,000 | $ 272,000 | $ 110,000 |
| Montgomery County Maryland | 26 | $ 10,210,000 | $ 392,000 | $ 164,000 |
| Guilford County North Carolina | 23 | $ 3,396,000 | $ 147,000 | $ 75,000 |
| Johnston County North Carolina | 20 | $ 3,563,000 | $ 178,000 | $ 77,000 |
| Forsyth County North Carolina | 18 | $ 4,254,000 | $ 236,000 | $ 128,000 |
| Cumberland County North Carolina | 13 | $ 1,744,000 | $ 134,000 | $ 66,000 |
| Gaston County North Carolina | 12 | $ 1,448,000 | $ 120,000 | $ 59,000 |
| Fairfax County Virginia | 11 | $ 3,929,000 | $ 357,000 | $ 126,000 |
| Harnett County North Carolina | 10 | $ 1,815,000 | $ 181,000 | $ 83,000 |
| Lincoln County North Carolina | 10 | $ 2,354,000 | $ 235,000 | $ 118,000 |
| Davidson County North Carolina | 9 | $ 1,233,000 | $ 137,000 | $ 48,000 |
| Anne Arundel County Maryland | 7 | $ 1,667,000 | $ 238,000 | $ 83,000 |
| Prince George's County Maryland | 7 | $ 2,635,000 | $ 376,000 | $ 101,000 |
| Caldwell County North Carolina | 7 | $ 773,000 | $ 110,000 | $ 43,000 |
| Granville County North Carolina | 7 | $ 927,000 | $ 132,000 | $ 84,000 |
| Charlotte County Florida | 6 | $ 602,000 | $ 100,000 | $ 55,000 |
| Charles County Maryland | 6 | $ 1,389,000 | $ 231,000 | $ 103,000 |
| Howard County Maryland | 6 | $ 1,600,000 | $ 266,000 | $ 136,000 |
| Loudoun County Virginia | 6 | $ 2,292,000 | $ 382,000 | $ 178,000 |
| Sarasota County Florida | 5 | $ 833,000 | $ 166,000 | $ 83,000 |
| Burke County North Carolina | 5 | $ 586,000 | $ 117,000 | $ 66,000 |
| Craven County North Carolina | 5 | $ 962,000 | $ 192,000 | $ 100,000 |
| Hoke County North Carolina | 5 | $ 718,000 | $ 143,000 | $ 64,000 |
| Rowan County North Carolina | 5 | $ 757,000 | $ 151,000 | $ 37,000 |
| Charleston County South Carolina | 5 | $ 586,000 | $ 117,000 | $ 46,000 |
| Arlington County Virginia | 5 | $ 2,928,000 | $ 585,000 | $ 189,000 |
| Calvert County Maryland | 4 | $ 953,000 | $ 238,000 | $ 130,000 |
| Alamance County North Carolina | 4 | $ 536,000 | $ 134,000 | $ 60,000 |
| Chatham County North Carolina | 4 | $ 1,395,000 | $ 348,000 | $ 152,000 |
| Davie County North Carolina | 4 | $ 676,000 | $ 169,000 | $ 57,000 |
| Dallas County Texas | 4 | $ 1,801,000 | $ 450,000 | $ 375,000 |
| Baltimore County Maryland | 3 | $ 876,000 | $ 292,000 | $ 143,000 |
| Carroll County Maryland | 3 | $ 816,000 | $ 272,000 | $ 133,000 |
| Frederick County Maryland | 3 | $ 676,000 | $ 225,000 | $ 72,000 |
| Wicomico County Maryland | 3 | $ 735,000 | $ 245,000 | $ 99,000 |
| Alexander County North Carolina | 3 | $ 410,000 | $ 136,000 | $ 67,000 |
| Brunswick County North Carolina | 3 | $ 1,001,000 | $ 333,000 | $ 142,000 |
| Buncombe County North Carolina | 3 | $ 315,000 | $ 105,000 | $ 31,000 |
| Carteret County North Carolina | 3 | $ 460,000 | $ 153,000 | $ 228,000 |
| Randolph County North Carolina | 3 | $ 303,000 | $ 101,000 | $ 27,000 |
| Berkeley County South Carolina | 3 | $ 540,000 | $ 180,000 | $ 81,000 |
| Greenville County South Carolina | 3 | $ 665,000 | $ 221,000 | $ 130,000 |
| Prince William County Virginia | 3 | $ 623,000 | $ 207,000 | $ 128,000 |
| Somerset County Maryland | 2 | $ 364,000 | $ 182,000 | $ 44,000 |
| St. Mary's County Maryland | 2 | $ 464,000 | $ 232,000 | $ 64,000 |
| Henderson County North Carolina | 2 | $ 294,000 | $ 147,000 | $ 47,000 |
| New Hanover County North Carolina | 2 | $ 243,000 | $ 121,000 | $ 100,000 |
| Onslow County North Carolina | 2 | $ 500,000 | $ 250,000 | $ 38,000 |
| Rockingham County North Carolina | 2 | $ 430,000 | $ 215,000 | $ 161,000 |
| Rutherford County North Carolina | 2 | $ 616,000 | $ 308,000 | $ 485,000 |
| Warren County North Carolina | 2 | $ 713,000 | $ 356,000 | $ 456,000 |
| Watauga County North Carolina | 2 | $ 202,000 | $ 101,000 | $ 77,000 |
| Beaufort County South Carolina | 2 | $ 312,000 | $ 156,000 | $ 47,000 |
| Chester County South Carolina | 2 | $ 364,000 | $ 182,000 | $ 99,000 |
| Lexington County South Carolina | 2 | $ 477,000 | $ 238,000 | $ 131,000 |
| Alexandria County Virginia | 2 | $ 644,000 | $ 322,000 | $ 85,000 |
| Fauquier County Virginia | 2 | $ 555,000 | $ 277,000 | $ 151,000 |
| Mecklenburg County Virginia | 2 | $ 532,000 | $ 266,000 | $ 105,000 |
| Kent County Delaware | 1 | $ 146,000 | $ 146,000 | $ 22,000 |
| Sussex County Delaware | 1 | $ 81,000 | $ 81,000 | $ 36,000 |
| Hernando County Florida | 1 | $ 87,000 | $ 87,000 | $ 40,000 |
| Highlands County Florida | 1 | $ 95,000 | $ 95,000 | $ 26,000 |
| Lee County Florida | 1 | $ 192,000 | $ 192,000 | $ 83,000 |
| Manatee County Florida | 1 | $ 108,000 | $ 108,000 | $ 48,000 |
| Pinellas County Florida | 1 | $ 91,000 | $ 91,000 | $ 25,000 |
| Santa Rosa County Florida | 1 | $ 97,000 | $ 97,000 | $ 77,000 |
| Effingham County Georgia | 1 | $ 268,000 | $ 268,000 | $ 75,000 |
| Thomas County Georgia | 1 | $ 343,000 | $ 343,000 | $ 60,000 |
| Baltimore City County Maryland | 1 | $ 87,000 | $ 87,000 | $ 45,000 |
| Cecil County Maryland | 1 | $ 232,000 | $ 232,000 | $ 68,000 |
| Worcester County Maryland | 1 | $ 210,000 | $ 210,000 | $ 80,000 |
| Alleghany County North Carolina | 1 | $ 122,000 | $ 122,000 | $ 232,000 |
| Bertie County North Carolina | 1 | $ 118,000 | $ 118,000 | $ 32,000 |
| Bladen County North Carolina | 1 | $ 120,000 | $ 120,000 | $ 73,000 |
| Duplin County North Carolina | 1 | $ 124,000 | $ 124,000 | $ 65,000 |
| Franklin County North Carolina | 1 | $ 160,000 | $ 160,000 | $ 50,000 |
| McDowell County North Carolina | 1 | $ 127,000 | $ 127,000 | $ 68,000 |
| Northampton County North Carolina | 1 | $ 380,000 | $ 380,000 | $ 107,000 |
| Pamlico County North Carolina | 1 | $ 100,000 | $ 100,000 | $ 138,000 |
| Perquimans County North Carolina | 1 | $ 339,000 | $ 339,000 | $ 85,000 |
| Pitt County North Carolina | 1 | $ 78,000 | $ 78,000 | $ 27,000 |
| Richmond County North Carolina | 1 | $ 101,000 | $ 101,000 | $ 40,000 |
| Sampson County North Carolina | 1 | $ 157,000 | $ 157,000 | $ 78,000 |
| Stokes County North Carolina | 1 | $ 124,000 | $ 124,000 | $ 64,000 |
| Vance County North Carolina | 1 | $ 280,000 | $ 280,000 | $ 104,000 |
| Wayne County North Carolina | 1 | $ 251,000 | $ 251,000 | $ 48,000 |
| Wilkes County North Carolina | 1 | $ 324,000 | $ 324,000 | $ 379,000 |
| Aiken County South Carolina | 1 | $ 198,000 | $ 198,000 | $ 135,000 |
| Colleton County South Carolina | 1 | $ 131,000 | $ 131,000 | $ 89,000 |
| Lancaster County South Carolina | 1 | $ 217,000 | $ 217,000 | $ 54,000 |
| Marion County South Carolina | 1 | $ 165,000 | $ 165,000 | $ 127,000 |
| Orangeburg County South Carolina | 1 | $ 99,000 | $ 99,000 | $ 49,000 |
| Richland County South Carolina | 1 | $ 271,000 | $ 271,000 | $ 61,000 |
| Spartanburg County South Carolina | 1 | $ 85,000 | $ 85,000 | $ 64,000 |
| Collin County Texas | 1 | $ 304,000 | $ 304,000 | $ 120,000 |
| Bedford County Virginia | 1 | $ 328,000 | $ 328,000 | $ 180,000 |
| Franklin County Virginia | 1 | $ 412,000 | $ 412,000 | $ 399,000 |
| Frederick County Virginia | 1 | $ 199,000 | $ 199,000 | $ 63,000 |
| Newport News County Virginia | 1 | $ 245,000 | $ 245,000 | $ 204,000 |
| Northumberland County Virginia | 1 | $ 395,000 | $ 395,000 | $ 1,003,000 |
Mortgage Loan Application Detail Totals for First Financial Services, Inc. in 2010
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 | 650 | $154,819,000 | $238,000 | $1,260,000 | $114,000 | $1,003,000 |
| Home Purchase | 356 | $73,976,000 | $207,000 | $1,000,000 | $90,000 | $741,000 |
| Home Improvement | 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 | 796 | $182,144,000 | $228,000 | $1,260,000 | $110,000 | $1,003,000 |
| Black or African American | 70 | $13,352,000 | $190,000 | $710,000 | $67,000 | $349,000 |
| Not Provided | 56 | $14,128,000 | $252,000 | $685,000 | $105,000 | $273,000 |
| Hispanic | 46 | $8,839,000 | $192,000 | $721,000 | $73,000 | $282,000 |
| Asian | 37 | $10,163,000 | $274,000 | $517,000 | $135,000 | $391,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $169,000 | $169,000 | $169,000 | $92,000 | $92,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 683 | $173,309,000 | $253,000 | $1,260,000 | $125,000 | $1,003,000 |
| FHA-insured (Federal Housing Administration) | 282 | $46,792,000 | $165,000 | $710,000 | $62,000 | $349,000 |
| VA-guaranteed (Veterans Administration) | 41 | $8,694,000 | $212,000 | $411,000 | $77,000 | $211,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 950 | $218,759,000 | $230,000 | $1,260,000 | $108,000 | $1,003,000 |
| Application Denied By Financial Institution | 42 | $7,571,000 | $180,000 | $442,000 | $58,000 | $287,000 |
| Application Withdrawn By Applicant | 10 | $1,889,000 | $188,000 | $390,000 | $119,000 | $360,000 |
| File Closed For Incompleteness | 4 | $576,000 | $144,000 | $225,000 | $91,000 | $140,000 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Collateral | 15 | $2,613,000 | $174,000 | $348,000 | $62,000 | $178,000 |
| Other | 8 | $1,644,000 | $205,000 | $417,000 | $93,000 | $287,000 |
| Debt-To-Income Ratio | 6 | $939,000 | $156,000 | $207,000 | $31,000 | $40,000 |
| Employment History | 5 | $1,207,000 | $241,000 | $442,000 | $56,000 | $106,000 |
| Mortgage Insurance Denied | 3 | $402,000 | $134,000 | $156,000 | $39,000 | $56,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $354,000 | $177,000 | $279,000 | $40,000 | $67,000 |
| Credit Application Incomplete | 2 | $239,000 | $119,000 | $155,000 | $32,000 | $36,000 |
| Credit History | 1 | $173,000 | $173,000 | $173,000 | $54,000 | $54,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Financial Services, Inc.'s 2010 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 First Financial Services, Inc.'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.
For a list of all lenders in North Carolina, download the full spreadsheet
with aggregated HMDA statistics today.