First Financial Services, Inc.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2011
First Financial Services, Inc. 2011 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 | 3,046 |
| Total Mortgage Loan Application Amount | $707,859,000 |
| Average Mortgage Loan Application Amount | $223,500 |
| Highest Mortgage Loan Application Amount | $2,000,000 |
| Average Applicant Income | $97,500 |
| Highest Applicant Income | $1,918,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2011 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 2011 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 2011.
| 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 | 215 | $ 49,541,000 | $ 230,000 | $ 105,000 |
| Wake County North Carolina | 214 | $ 45,423,000 | $ 212,000 | $ 92,000 |
| District of Columbia County District Of Columbia | 116 | $ 46,967,000 | $ 404,000 | $ 190,000 |
| Union County North Carolina | 64 | $ 13,505,000 | $ 211,000 | $ 77,000 |
| Montgomery County Maryland | 60 | $ 18,481,000 | $ 308,000 | $ 131,000 |
| Fairfax County Virginia | 50 | $ 16,677,000 | $ 333,000 | $ 177,000 |
| Cabarrus County North Carolina | 49 | $ 9,294,000 | $ 189,000 | $ 63,000 |
| York County Pennsylvania | 48 | $ 7,572,000 | $ 157,000 | $ 70,000 |
| Durham County North Carolina | 44 | $ 8,259,000 | $ 187,000 | $ 90,000 |
| Burlington County New Jersey | 39 | $ 9,000,000 | $ 230,000 | $ 98,000 |
| Camden County New Jersey | 38 | $ 6,527,000 | $ 171,000 | $ 83,000 |
| Guilford County North Carolina | 38 | $ 7,197,000 | $ 189,000 | $ 77,000 |
| Prince George's County Maryland | 37 | $ 9,610,000 | $ 259,000 | $ 92,000 |
| Buncombe County North Carolina | 35 | $ 6,356,000 | $ 181,000 | $ 62,000 |
| Collin County Texas | 35 | $ 7,812,000 | $ 223,000 | $ 115,000 |
| Harris County Texas | 35 | $ 6,349,000 | $ 181,000 | $ 108,000 |
| Los Angeles County California | 34 | $ 9,538,000 | $ 280,000 | $ 114,000 |
| Johnston County North Carolina | 33 | $ 6,110,000 | $ 185,000 | $ 69,000 |
| New Hanover County North Carolina | 32 | $ 6,591,000 | $ 205,000 | $ 79,000 |
| Gaston County North Carolina | 31 | $ 5,542,000 | $ 178,000 | $ 71,000 |
| King County Washington | 31 | $ 8,573,000 | $ 276,000 | $ 121,000 |
| Gloucester County New Jersey | 28 | $ 5,245,000 | $ 187,000 | $ 80,000 |
| Orange County California | 27 | $ 7,937,000 | $ 293,000 | $ 113,000 |
| Howard County Maryland | 27 | $ 8,720,000 | $ 322,000 | $ 155,000 |
| Iredell County North Carolina | 27 | $ 6,417,000 | $ 237,000 | $ 80,000 |
| Baltimore County Maryland | 26 | $ 7,160,000 | $ 275,000 | $ 131,000 |
| Catawba County North Carolina | 26 | $ 6,225,000 | $ 239,000 | $ 72,000 |
| Anne Arundel County Maryland | 24 | $ 6,623,000 | $ 275,000 | $ 112,000 |
| Dauphin County Pennsylvania | 24 | $ 2,406,000 | $ 100,000 | $ 59,000 |
| Philadelphia County Pennsylvania | 23 | $ 4,680,000 | $ 203,000 | $ 97,000 |
| Davidson County Tennessee | 23 | $ 4,633,000 | $ 201,000 | $ 103,000 |
| Forsyth County North Carolina | 22 | $ 4,243,000 | $ 192,000 | $ 68,000 |
| Bucks County Pennsylvania | 22 | $ 6,125,000 | $ 278,000 | $ 122,000 |
| San Diego County California | 20 | $ 5,151,000 | $ 257,000 | $ 129,000 |
| DeKalb County Georgia | 20 | $ 4,964,000 | $ 248,000 | $ 127,000 |
| Loudoun County Virginia | 20 | $ 5,142,000 | $ 257,000 | $ 127,000 |
| Bergen County New Jersey | 19 | $ 6,271,000 | $ 330,000 | $ 189,000 |
| Montgomery County Pennsylvania | 19 | $ 5,212,000 | $ 274,000 | $ 142,000 |
| York County South Carolina | 19 | $ 5,177,000 | $ 272,000 | $ 125,000 |
| Brunswick County North Carolina | 18 | $ 4,231,000 | $ 235,000 | $ 101,000 |
| Williamson County Tennessee | 18 | $ 4,554,000 | $ 253,000 | $ 91,000 |
| Middlesex County New Jersey | 17 | $ 4,031,000 | $ 237,000 | $ 136,000 |
| Orange County North Carolina | 17 | $ 4,967,000 | $ 292,000 | $ 139,000 |
| Fort Bend County Texas | 17 | $ 3,494,000 | $ 205,000 | $ 146,000 |
| Tarrant County Texas | 17 | $ 3,320,000 | $ 195,000 | $ 121,000 |
| Travis County Texas | 17 | $ 4,532,000 | $ 266,000 | $ 144,000 |
| Cumberland County North Carolina | 16 | $ 2,463,000 | $ 153,000 | $ 77,000 |
| Onslow County North Carolina | 15 | $ 2,895,000 | $ 193,000 | $ 191,000 |
| Chester County Pennsylvania | 15 | $ 3,785,000 | $ 252,000 | $ 111,000 |
| Cumberland County Pennsylvania | 15 | $ 2,571,000 | $ 171,000 | $ 50,000 |
| Shelby County Tennessee | 15 | $ 3,367,000 | $ 224,000 | $ 152,000 |
| Dallas County Texas | 15 | $ 3,431,000 | $ 228,000 | $ 141,000 |
| Prince William County Virginia | 15 | $ 4,156,000 | $ 277,000 | $ 123,000 |
| Fulton County Georgia | 14 | $ 3,420,000 | $ 244,000 | $ 119,000 |
| Baltimore City County Maryland | 14 | $ 2,659,000 | $ 189,000 | $ 111,000 |
| Lincoln County North Carolina | 14 | $ 3,928,000 | $ 280,000 | $ 103,000 |
| Rutherford County Tennessee | 14 | $ 2,262,000 | $ 161,000 | $ 76,000 |
| Denton County Texas | 14 | $ 2,602,000 | $ 185,000 | $ 95,000 |
| Arlington County Virginia | 14 | $ 6,144,000 | $ 438,000 | $ 195,000 |
| Monmouth County New Jersey | 13 | $ 3,467,000 | $ 266,000 | $ 143,000 |
| Carteret County North Carolina | 13 | $ 3,007,000 | $ 231,000 | $ 141,000 |
| Atlantic County New Jersey | 12 | $ 2,102,000 | $ 175,000 | $ 69,000 |
| Henderson County North Carolina | 12 | $ 2,404,000 | $ 200,000 | $ 70,000 |
| Allegheny County Pennsylvania | 12 | $ 2,159,000 | $ 179,000 | $ 102,000 |
| Greenville County South Carolina | 12 | $ 2,399,000 | $ 199,000 | $ 121,000 |
| Chatham County North Carolina | 11 | $ 2,460,000 | $ 223,000 | $ 105,000 |
| Pitt County North Carolina | 11 | $ 1,603,000 | $ 145,000 | $ 74,000 |
| Delaware County Pennsylvania | 11 | $ 2,282,000 | $ 207,000 | $ 110,000 |
| Lancaster County Pennsylvania | 11 | $ 1,917,000 | $ 174,000 | $ 91,000 |
| Broward County Florida | 10 | $ 2,295,000 | $ 229,000 | $ 104,000 |
| Cobb County Georgia | 10 | $ 2,004,000 | $ 200,000 | $ 119,000 |
| Forsyth County Georgia | 10 | $ 2,276,000 | $ 227,000 | $ 107,000 |
| Frederick County Maryland | 10 | $ 2,406,000 | $ 240,000 | $ 118,000 |
| Hennepin County Minnesota | 10 | $ 2,413,000 | $ 241,000 | $ 120,000 |
| Somerset County New Jersey | 10 | $ 3,321,000 | $ 332,000 | $ 126,000 |
| Henrico County Virginia | 10 | $ 2,526,000 | $ 252,000 | $ 98,000 |
| Alameda County California | 9 | $ 2,762,000 | $ 306,000 | $ 177,000 |
| Gwinnett County Georgia | 9 | $ 1,601,000 | $ 177,000 | $ 125,000 |
| Calvert County Maryland | 9 | $ 2,266,000 | $ 251,000 | $ 88,000 |
| Carroll County Maryland | 9 | $ 2,631,000 | $ 292,000 | $ 150,000 |
| Alamance County North Carolina | 9 | $ 1,340,000 | $ 148,000 | $ 69,000 |
| Cleveland County North Carolina | 9 | $ 1,196,000 | $ 132,000 | $ 33,000 |
| Craven County North Carolina | 9 | $ 1,828,000 | $ 203,000 | $ 52,000 |
| Davidson County North Carolina | 9 | $ 1,677,000 | $ 186,000 | $ 63,000 |
| Harnett County North Carolina | 9 | $ 1,343,000 | $ 149,000 | $ 55,000 |
| Berks County Pennsylvania | 9 | $ 1,064,000 | $ 118,000 | $ 54,000 |
| Butler County Pennsylvania | 9 | $ 1,335,000 | $ 148,000 | $ 55,000 |
| Hamilton County Tennessee | 9 | $ 1,699,000 | $ 188,000 | $ 111,000 |
| Montgomery County Texas | 9 | $ 1,771,000 | $ 196,000 | $ 92,000 |
| Pierce County Washington | 9 | $ 2,117,000 | $ 235,000 | $ 99,000 |
| Contra Costa County California | 8 | $ 2,437,000 | $ 304,000 | $ 119,000 |
| Douglas County Colorado | 8 | $ 2,461,000 | $ 307,000 | $ 140,000 |
| Charles County Maryland | 8 | $ 2,546,000 | $ 318,000 | $ 150,000 |
| Dare County North Carolina | 8 | $ 2,272,000 | $ 284,000 | $ 101,000 |
| Macon County North Carolina | 8 | $ 1,976,000 | $ 247,000 | $ 73,000 |
| Rowan County North Carolina | 8 | $ 1,623,000 | $ 202,000 | $ 73,000 |
| Richland County South Carolina | 8 | $ 1,894,000 | $ 236,000 | $ 105,000 |
| Santa Clara County California | 7 | $ 1,870,000 | $ 267,000 | $ 126,000 |
| Denver County Colorado | 7 | $ 1,665,000 | $ 237,000 | $ 78,000 |
| New Castle County Delaware | 7 | $ 1,771,000 | $ 253,000 | $ 123,000 |
| Palm Beach County Florida | 7 | $ 1,366,000 | $ 195,000 | $ 84,000 |
| Cape May County New Jersey | 7 | $ 1,434,000 | $ 204,000 | $ 116,000 |
| Morris County New Jersey | 7 | $ 2,028,000 | $ 289,000 | $ 100,000 |
| Beaufort County South Carolina | 7 | $ 2,744,000 | $ 392,000 | $ 165,000 |
| Knox County Tennessee | 7 | $ 1,560,000 | $ 222,000 | $ 147,000 |
| Alexandria County Virginia | 7 | $ 2,282,000 | $ 326,000 | $ 107,000 |
| Snohomish County Washington | 7 | $ 1,703,000 | $ 243,000 | $ 113,000 |
| Riverside County California | 6 | $ 1,365,000 | $ 227,000 | $ 109,000 |
| Adams County Colorado | 6 | $ 1,711,000 | $ 285,000 | $ 180,000 |
| Orange County Florida | 6 | $ 1,017,000 | $ 169,000 | $ 89,000 |
| Ocean County New Jersey | 6 | $ 1,589,000 | $ 264,000 | $ 104,000 |
| Luzerne County Pennsylvania | 6 | $ 799,000 | $ 133,000 | $ 65,000 |
| Northampton County Pennsylvania | 6 | $ 825,000 | $ 137,000 | $ 63,000 |
| Westmoreland County Pennsylvania | 6 | $ 891,000 | $ 148,000 | $ 95,000 |
| Charleston County South Carolina | 6 | $ 1,329,000 | $ 221,000 | $ 110,000 |
| Chesterfield County Virginia | 6 | $ 1,124,000 | $ 187,000 | $ 84,000 |
| Ventura County California | 5 | $ 1,308,000 | $ 261,000 | $ 85,000 |
| Boulder County Colorado | 5 | $ 1,092,000 | $ 218,000 | $ 127,000 |
| Jefferson County Colorado | 5 | $ 1,726,000 | $ 345,000 | $ 119,000 |
| Cherokee County Georgia | 5 | $ 1,137,000 | $ 227,000 | $ 121,000 |
| Cecil County Maryland | 5 | $ 803,000 | $ 160,000 | $ 84,000 |
| Oakland County Michigan | 5 | $ 1,192,000 | $ 238,000 | $ 99,000 |
| Hunterdon County New Jersey | 5 | $ 1,034,000 | $ 206,000 | $ 127,000 |
| Mercer County New Jersey | 5 | $ 1,454,000 | $ 290,000 | $ 145,000 |
| Passaic County New Jersey | 5 | $ 1,216,000 | $ 243,000 | $ 100,000 |
| Union County New Jersey | 5 | $ 1,263,000 | $ 252,000 | $ 359,000 |
| Franklin County North Carolina | 5 | $ 790,000 | $ 158,000 | $ 38,000 |
| Hoke County North Carolina | 5 | $ 891,000 | $ 178,000 | $ 75,000 |
| Moore County North Carolina | 5 | $ 865,000 | $ 173,000 | $ 111,000 |
| Pender County North Carolina | 5 | $ 952,000 | $ 190,000 | $ 66,000 |
| Lackawanna County Pennsylvania | 5 | $ 705,000 | $ 141,000 | $ 70,000 |
| Bexar County Texas | 5 | $ 899,000 | $ 179,000 | $ 77,000 |
| Williamson County Texas | 5 | $ 1,015,000 | $ 203,000 | $ 99,000 |
| San Bernardino County California | 4 | $ 1,109,000 | $ 277,000 | $ 103,000 |
| Larimer County Colorado | 4 | $ 1,035,000 | $ 258,000 | $ 56,000 |
| Kent County Delaware | 4 | $ 652,000 | $ 163,000 | $ 30,000 |
| Sussex County Delaware | 4 | $ 1,167,000 | $ 291,000 | $ 186,000 |
| Manatee County Florida | 4 | $ 670,000 | $ 167,000 | $ 131,000 |
| Pinellas County Florida | 4 | $ 702,000 | $ 175,000 | $ 91,000 |
| Sarasota County Florida | 4 | $ 910,000 | $ 227,000 | $ 74,000 |
| Seminole County Florida | 4 | $ 947,000 | $ 236,000 | $ 87,000 |
| Macomb County Michigan | 4 | $ 616,000 | $ 154,000 | $ 76,000 |
| Essex County New Jersey | 4 | $ 1,246,000 | $ 311,000 | $ 121,000 |
| Columbus County North Carolina | 4 | $ 552,000 | $ 138,000 | $ 53,000 |
| Granville County North Carolina | 4 | $ 808,000 | $ 202,000 | $ 34,000 |
| Nash County North Carolina | 4 | $ 731,000 | $ 182,000 | $ 66,000 |
| Stanly County North Carolina | 4 | $ 697,000 | $ 174,000 | $ 61,000 |
| Stokes County North Carolina | 4 | $ 468,000 | $ 117,000 | $ 46,000 |
| Wilson County North Carolina | 4 | $ 858,000 | $ 214,000 | $ 50,000 |
| Lebanon County Pennsylvania | 4 | $ 519,000 | $ 129,000 | $ 64,000 |
| Lehigh County Pennsylvania | 4 | $ 896,000 | $ 224,000 | $ 85,000 |
| Monroe County Pennsylvania | 4 | $ 667,000 | $ 166,000 | $ 70,000 |
| Loudon County Tennessee | 4 | $ 1,105,000 | $ 276,000 | $ 39,000 |
| Maury County Tennessee | 4 | $ 1,199,000 | $ 299,000 | $ 106,000 |
| Brazoria County Texas | 4 | $ 618,000 | $ 154,000 | $ 102,000 |
| Albemarle County Virginia | 4 | $ 1,171,000 | $ 292,000 | $ 109,000 |
| Fresno County California | 3 | $ 748,000 | $ 249,000 | $ 103,000 |
| Pueblo County Colorado | 3 | $ 392,000 | $ 130,000 | $ 36,000 |
| Lee County Florida | 3 | $ 722,000 | $ 240,000 | $ 123,000 |
| Polk County Florida | 3 | $ 399,000 | $ 133,000 | $ 45,000 |
| Columbia County Georgia | 3 | $ 625,000 | $ 208,000 | $ 71,000 |
| Fayette County Georgia | 3 | $ 677,000 | $ 225,000 | $ 99,000 |
| Cumberland County New Jersey | 3 | $ 345,000 | $ 115,000 | $ 57,000 |
| Salem County New Jersey | 3 | $ 464,000 | $ 154,000 | $ 70,000 |
| Alexander County North Carolina | 3 | $ 520,000 | $ 173,000 | $ 64,000 |
| Beaufort County North Carolina | 3 | $ 520,000 | $ 173,000 | $ 47,000 |
| Burke County North Carolina | 3 | $ 377,000 | $ 125,000 | $ 28,000 |
| Caswell County North Carolina | 3 | $ 1,099,000 | $ 366,000 | $ 182,000 |
| Currituck County North Carolina | 3 | $ 1,055,000 | $ 351,000 | $ 134,000 |
| Davie County North Carolina | 3 | $ 423,000 | $ 141,000 | $ 31,000 |
| Haywood County North Carolina | 3 | $ 757,000 | $ 252,000 | $ 93,000 |
| Lenoir County North Carolina | 3 | $ 519,000 | $ 173,000 | $ 41,000 |
| Pasquotank County North Carolina | 3 | $ 727,000 | $ 242,000 | $ 76,000 |
| Randolph County North Carolina | 3 | $ 631,000 | $ 210,000 | $ 65,000 |
| Warren County North Carolina | 3 | $ 691,000 | $ 230,000 | $ 60,000 |
| Adams County Pennsylvania | 3 | $ 352,000 | $ 117,000 | $ 61,000 |
| Clearfield County Pennsylvania | 3 | $ 294,000 | $ 98,000 | $ 57,000 |
| Erie County Pennsylvania | 3 | $ 448,000 | $ 149,000 | $ 79,000 |
| Perry County Pennsylvania | 3 | $ 316,000 | $ 105,000 | $ 62,000 |
| Snyder County Pennsylvania | 3 | $ 293,000 | $ 97,000 | $ 39,000 |
| Georgetown County South Carolina | 3 | $ 1,083,000 | $ 361,000 | $ 134,000 |
| Horry County South Carolina | 3 | $ 565,000 | $ 188,000 | $ 77,000 |
| Oconee County South Carolina | 3 | $ 835,000 | $ 278,000 | $ 242,000 |
| Madison County Tennessee | 3 | $ 613,000 | $ 204,000 | $ 169,000 |
| Putnam County Tennessee | 3 | $ 676,000 | $ 225,000 | $ 61,000 |
| Sumner County Tennessee | 3 | $ 685,000 | $ 228,000 | $ 158,000 |
| White County Tennessee | 3 | $ 330,000 | $ 110,000 | $ 50,000 |
| Galveston County Texas | 3 | $ 587,000 | $ 195,000 | $ 77,000 |
| Rockwall County Texas | 3 | $ 666,000 | $ 222,000 | $ 157,000 |
| Fauquier County Virginia | 3 | $ 1,051,000 | $ 350,000 | $ 164,000 |
| Powhatan County Virginia | 3 | $ 789,000 | $ 263,000 | $ 167,000 |
| Virginia Beach County Virginia | 3 | $ 1,406,000 | $ 468,000 | $ 160,000 |
| Cowlitz County Washington | 3 | $ 558,000 | $ 186,000 | $ 117,000 |
| Island County Washington | 3 | $ 554,000 | $ 184,000 | $ 96,000 |
| Yakima County Washington | 3 | $ 668,000 | $ 222,000 | $ 51,000 |
| El Dorado County California | 2 | $ 619,000 | $ 309,000 | $ 213,000 |
| Placer County California | 2 | $ 425,000 | $ 212,000 | $ 121,000 |
| San Joaquin County California | 2 | $ 353,000 | $ 176,000 | $ 69,000 |
| San Mateo County California | 2 | $ 659,000 | $ 329,000 | $ 143,000 |
| Sonoma County California | 2 | $ 638,000 | $ 319,000 | $ 85,000 |
| Broomfield County Colorado | 2 | $ 386,000 | $ 193,000 | $ 52,000 |
| El Paso County Colorado | 2 | $ 481,000 | $ 240,000 | $ 80,000 |
| Grand County Colorado | 2 | $ 314,000 | $ 157,000 | $ 123,000 |
| Park County Colorado | 2 | $ 441,000 | $ 220,000 | $ 202,000 |
| Alachua County Florida | 2 | $ 501,000 | $ 250,000 | $ 80,000 |
| Collier County Florida | 2 | $ 670,000 | $ 335,000 | $ 120,000 |
| Duval County Florida | 2 | $ 412,000 | $ 206,000 | $ 55,000 |
| Hillsborough County Florida | 2 | $ 444,000 | $ 222,000 | $ 153,000 |
| Leon County Florida | 2 | $ 317,000 | $ 158,000 | $ 82,000 |
| Martin County Florida | 2 | $ 395,000 | $ 197,000 | $ 88,000 |
| Miami-Dade County Florida | 2 | $ 621,000 | $ 310,000 | $ 66,000 |
| Osceola County Florida | 2 | $ 241,000 | $ 120,000 | $ 63,000 |
| Santa Rosa County Florida | 2 | $ 450,000 | $ 225,000 | $ 180,000 |
| St. Johns County Florida | 2 | $ 435,000 | $ 217,000 | $ 96,000 |
| Baldwin County Georgia | 2 | $ 345,000 | $ 172,000 | $ 69,000 |
| Lowndes County Georgia | 2 | $ 307,000 | $ 153,000 | $ 49,000 |
| Walton County Georgia | 2 | $ 582,000 | $ 291,000 | $ 215,000 |
| Queen Anne's County Maryland | 2 | $ 915,000 | $ 457,000 | $ 77,000 |
| Washington County Maryland | 2 | $ 377,000 | $ 188,000 | $ 97,000 |
| Wicomico County Maryland | 2 | $ 345,000 | $ 172,000 | $ 72,000 |
| Ingham County Michigan | 2 | $ 250,000 | $ 125,000 | $ 83,000 |
| Wayne County Michigan | 2 | $ 514,000 | $ 257,000 | $ 103,000 |
| Dakota County Minnesota | 2 | $ 445,000 | $ 222,000 | $ 96,000 |
| Ramsey County Minnesota | 2 | $ 501,000 | $ 250,000 | $ 143,000 |
| Scott County Minnesota | 2 | $ 350,000 | $ 175,000 | $ 128,000 |
| Washington County Minnesota | 2 | $ 623,000 | $ 311,000 | $ 150,000 |
| Wright County Minnesota | 2 | $ 445,000 | $ 222,000 | $ 106,000 |
| Ashe County North Carolina | 2 | $ 631,000 | $ 315,000 | $ 123,000 |
| Bladen County North Carolina | 2 | $ 542,000 | $ 271,000 | $ 161,000 |
| Caldwell County North Carolina | 2 | $ 220,000 | $ 110,000 | $ 54,000 |
| Halifax County North Carolina | 2 | $ 930,000 | $ 465,000 | $ 157,000 |
| Pamlico County North Carolina | 2 | $ 719,000 | $ 359,000 | $ 88,000 |
| Perquimans County North Carolina | 2 | $ 405,000 | $ 202,000 | $ 95,000 |
| Person County North Carolina | 2 | $ 384,000 | $ 192,000 | $ 59,000 |
| Rockingham County North Carolina | 2 | $ 460,000 | $ 230,000 | $ 130,000 |
| Rutherford County North Carolina | 2 | $ 745,000 | $ 372,000 | $ 76,000 |
| Sampson County North Carolina | 2 | $ 141,000 | $ 70,000 | $ 55,000 |
| Transylvania County North Carolina | 2 | $ 347,000 | $ 173,000 | $ 63,000 |
| Vance County North Carolina | 2 | $ 360,000 | $ 180,000 | $ 49,000 |
| Wilkes County North Carolina | 2 | $ 501,000 | $ 250,000 | $ 73,000 |
| Yadkin County North Carolina | 2 | $ 202,000 | $ 101,000 | $ 34,000 |
| Carbon County Pennsylvania | 2 | $ 322,000 | $ 161,000 | $ 44,000 |
| Franklin County Pennsylvania | 2 | $ 263,000 | $ 131,000 | $ 36,000 |
| Lycoming County Pennsylvania | 2 | $ 235,000 | $ 117,000 | $ 47,000 |
| Berkeley County South Carolina | 2 | $ 607,000 | $ 303,000 | $ 108,000 |
| Chester County South Carolina | 2 | $ 279,000 | $ 139,000 | $ 34,000 |
| Lancaster County South Carolina | 2 | $ 414,000 | $ 207,000 | $ 55,000 |
| Lexington County South Carolina | 2 | $ 293,000 | $ 146,000 | $ 113,000 |
| Newberry County South Carolina | 2 | $ 373,000 | $ 186,000 | $ 108,000 |
| Spartanburg County South Carolina | 2 | $ 291,000 | $ 145,000 | $ 68,000 |
| Bradley County Tennessee | 2 | $ 350,000 | $ 175,000 | $ 41,000 |
| Cheatham County Tennessee | 2 | $ 418,000 | $ 209,000 | $ 79,000 |
| Cumberland County Tennessee | 2 | $ 456,000 | $ 228,000 | $ 58,000 |
| Sevier County Tennessee | 2 | $ 737,000 | $ 368,000 | $ 609,000 |
| Washington County Tennessee | 2 | $ 467,000 | $ 233,000 | $ 56,000 |
| Ellis County Texas | 2 | $ 504,000 | $ 252,000 | $ 159,000 |
| Grayson County Texas | 2 | $ 295,000 | $ 147,000 | $ 55,000 |
| Hays County Texas | 2 | $ 413,000 | $ 206,000 | $ 97,000 |
| Tom Green County Texas | 2 | $ 312,000 | $ 156,000 | $ 283,000 |
| Gloucester County Virginia | 2 | $ 446,000 | $ 223,000 | $ 89,000 |
| Louisa County Virginia | 2 | $ 403,000 | $ 201,000 | $ 92,000 |
| Stafford County Virginia | 2 | $ 574,000 | $ 287,000 | $ 151,000 |
| Washington County Virginia | 2 | $ 342,000 | $ 171,000 | $ 72,000 |
| Benton County Washington | 2 | $ 475,000 | $ 237,000 | $ 98,000 |
| Spokane County Washington | 2 | $ 434,000 | $ 217,000 | $ 75,000 |
| Walla Walla County Washington | 2 | $ 424,000 | $ 212,000 | $ 67,000 |
| Kern County California | 1 | $ 232,000 | $ 232,000 | $ 146,000 |
| Napa County California | 1 | $ 260,000 | $ 260,000 | $ 115,000 |
| San Francisco County California | 1 | $ 300,000 | $ 300,000 | $ 76,000 |
| Solano County California | 1 | $ 377,000 | $ 377,000 | $ 237,000 |
| Yolo County California | 1 | $ 280,000 | $ 280,000 | $ 99,000 |
| Charlotte County Florida | 1 | $ 102,000 | $ 102,000 | $ 67,000 |
| Volusia County Florida | 1 | $ 180,000 | $ 180,000 | $ 120,000 |
| Barrow County Georgia | 1 | $ 135,000 | $ 135,000 | $ 49,000 |
| Bryan County Georgia | 1 | $ 300,000 | $ 300,000 | $ 209,000 |
| Carroll County Georgia | 1 | $ 242,000 | $ 242,000 | $ 207,000 |
| Chatham County Georgia | 1 | $ 417,000 | $ 417,000 | $ 207,000 |
| Clarke County Georgia | 1 | $ 226,000 | $ 226,000 | $ 130,000 |
| Hall County Georgia | 1 | $ 217,000 | $ 217,000 | $ 353,000 |
| Hancock County Georgia | 1 | $ 136,000 | $ 136,000 | $ 154,000 |
| Jones County Georgia | 1 | $ 104,000 | $ 104,000 | $ 51,000 |
| Muscogee County Georgia | 1 | $ 148,000 | $ 148,000 | $ 10,000 |
| Pierce County Georgia | 1 | $ 248,000 | $ 248,000 | $ 137,000 |
| Putnam County Georgia | 1 | $ 156,000 | $ 156,000 | $ 38,000 |
| Toombs County Georgia | 1 | $ 119,000 | $ 119,000 | $ 32,000 |
| Caroline County Maryland | 1 | $ 171,000 | $ 171,000 | $ 97,000 |
| Dorchester County Maryland | 1 | $ 150,000 | $ 150,000 | $ 97,000 |
| Garrett County Maryland | 1 | $ 278,000 | $ 278,000 | $ 156,000 |
| Harford County Maryland | 1 | $ 157,000 | $ 157,000 | $ 50,000 |
| Worcester County Maryland | 1 | $ 204,000 | $ 204,000 | $ 40,000 |
| Cass County Michigan | 1 | $ 256,000 | $ 256,000 | $ 80,000 |
| Jackson County Michigan | 1 | $ 156,000 | $ 156,000 | $ 86,000 |
| Kalamazoo County Michigan | 1 | $ 294,000 | $ 294,000 | $ 129,000 |
| Lapeer County Michigan | 1 | $ 169,000 | $ 169,000 | $ 102,000 |
| Muskegon County Michigan | 1 | $ 131,000 | $ 131,000 | $ 74,000 |
| St. Joseph County Michigan | 1 | $ 278,000 | $ 278,000 | $ 130,000 |
| Washtenaw County Michigan | 1 | $ 166,000 | $ 166,000 | $ 109,000 |
| Anoka County Minnesota | 1 | $ 240,000 | $ 240,000 | $ 142,000 |
| Mille Lacs County Minnesota | 1 | $ 134,000 | $ 134,000 | $ 100,000 |
| Stearns County Minnesota | 1 | $ 188,000 | $ 188,000 | $ 117,000 |
| Hudson County New Jersey | 1 | $ 209,000 | $ 209,000 | $ 82,000 |
| Sussex County New Jersey | 1 | $ 245,000 | $ 245,000 | $ 164,000 |
| Warren County New Jersey | 1 | $ 320,000 | $ 320,000 | $ 105,000 |
| Clay County North Carolina | 1 | $ 405,000 | $ 405,000 | $ 184,000 |
| Gates County North Carolina | 1 | $ 170,000 | $ 170,000 | $ 35,000 |
| Greene County North Carolina | 1 | $ 156,000 | $ 156,000 | $ 57,000 |
| Lee County North Carolina | 1 | $ 116,000 | $ 116,000 | $ 73,000 |
| Mitchell County North Carolina | 1 | $ 127,000 | $ 127,000 | $ 10,000 |
| Montgomery County North Carolina | 1 | $ 150,000 | $ 150,000 | $ 10,000 |
| Northampton County North Carolina | 1 | $ 245,000 | $ 245,000 | $ 10,000 |
| Richmond County North Carolina | 1 | $ 73,000 | $ 73,000 | $ 16,000 |
| Robeson County North Carolina | 1 | $ 154,000 | $ 154,000 | $ 10,000 |
| Surry County North Carolina | 1 | $ 405,000 | $ 405,000 | $ 10,000 |
| Watauga County North Carolina | 1 | $ 417,000 | $ 417,000 | $ 369,000 |
| Wayne County North Carolina | 1 | $ 180,000 | $ 180,000 | $ 54,000 |
| Yancey County North Carolina | 1 | $ 209,000 | $ 209,000 | $ 58,000 |
| Beaver County Pennsylvania | 1 | $ 268,000 | $ 268,000 | $ 275,000 |
| Blair County Pennsylvania | 1 | $ 340,000 | $ 340,000 | $ 122,000 |
| Cambria County Pennsylvania | 1 | $ 92,000 | $ 92,000 | $ 67,000 |
| Clinton County Pennsylvania | 1 | $ 182,000 | $ 182,000 | $ 80,000 |
| Columbia County Pennsylvania | 1 | $ 247,000 | $ 247,000 | $ 154,000 |
| Northumberland County Pennsylvania | 1 | $ 162,000 | $ 162,000 | $ 34,000 |
| Pike County Pennsylvania | 1 | $ 204,000 | $ 204,000 | $ 73,000 |
| Schuylkill County Pennsylvania | 1 | $ 152,000 | $ 152,000 | $ 37,000 |
| Venango County Pennsylvania | 1 | $ 118,000 | $ 118,000 | $ 27,000 |
| Washington County Pennsylvania | 1 | $ 189,000 | $ 189,000 | $ 231,000 |
| Anderson County South Carolina | 1 | $ 224,000 | $ 224,000 | $ 112,000 |
| Clarendon County South Carolina | 1 | $ 181,000 | $ 181,000 | $ 10,000 |
| Colleton County South Carolina | 1 | $ 270,000 | $ 270,000 | $ 90,000 |
| Dorchester County South Carolina | 1 | $ 201,000 | $ 201,000 | $ 83,000 |
| Florence County South Carolina | 1 | $ 202,000 | $ 202,000 | $ 68,000 |
| Pickens County South Carolina | 1 | $ 150,000 | $ 150,000 | $ 83,000 |
| Blount County Tennessee | 1 | $ 166,000 | $ 166,000 | $ 80,000 |
| Cocke County Tennessee | 1 | $ 345,000 | $ 345,000 | $ 62,000 |
| Franklin County Tennessee | 1 | $ 197,000 | $ 197,000 | $ 67,000 |
| Hamblen County Tennessee | 1 | $ 150,000 | $ 150,000 | $ 10,000 |
| Jefferson County Tennessee | 1 | $ 272,000 | $ 272,000 | $ 90,000 |
| Johnson County Tennessee | 1 | $ 225,000 | $ 225,000 | $ 100,000 |
| Lauderdale County Tennessee | 1 | $ 200,000 | $ 200,000 | $ 114,000 |
| Marion County Tennessee | 1 | $ 184,000 | $ 184,000 | $ 49,000 |
| Polk County Tennessee | 1 | $ 150,000 | $ 150,000 | $ 10,000 |
| Roane County Tennessee | 1 | $ 174,000 | $ 174,000 | $ 71,000 |
| Robertson County Tennessee | 1 | $ 89,000 | $ 89,000 | $ 18,000 |
| Tipton County Tennessee | 1 | $ 261,000 | $ 261,000 | $ 47,000 |
| Weakley County Tennessee | 1 | $ 128,000 | $ 128,000 | $ 86,000 |
| Wilson County Tennessee | 1 | $ 222,000 | $ 222,000 | $ 52,000 |
| Aransas County Texas | 1 | $ 356,000 | $ 356,000 | $ 195,000 |
| Bastrop County Texas | 1 | $ 176,000 | $ 176,000 | $ 10,000 |
| El Paso County Texas | 1 | $ 160,000 | $ 160,000 | $ 192,000 |
| Guadalupe County Texas | 1 | $ 230,000 | $ 230,000 | $ 101,000 |
| Kaufman County Texas | 1 | $ 107,000 | $ 107,000 | $ 43,000 |
| Kendall County Texas | 1 | $ 202,000 | $ 202,000 | $ 10,000 |
| Liberty County Texas | 1 | $ 49,000 | $ 49,000 | $ 28,000 |
| Medina County Texas | 1 | $ 260,000 | $ 260,000 | $ 122,000 |
| Nueces County Texas | 1 | $ 225,000 | $ 225,000 | $ 138,000 |
| Parker County Texas | 1 | $ 265,000 | $ 265,000 | $ 94,000 |
| Smith County Texas | 1 | $ 417,000 | $ 417,000 | $ 216,000 |
| Val Verde County Texas | 1 | $ 268,000 | $ 268,000 | $ 79,000 |
| Augusta County Virginia | 1 | $ 281,000 | $ 281,000 | $ 93,000 |
| Charles City County Virginia | 1 | $ 173,000 | $ 173,000 | $ 64,000 |
| Fluvanna County Virginia | 1 | $ 200,000 | $ 200,000 | $ 61,000 |
| Hanover County Virginia | 1 | $ 304,000 | $ 304,000 | $ 136,000 |
| Lancaster County Virginia | 1 | $ 360,000 | $ 360,000 | $ 226,000 |
| Newport News County Virginia | 1 | $ 308,000 | $ 308,000 | $ 150,000 |
| Northampton County Virginia | 1 | $ 148,000 | $ 148,000 | $ 10,000 |
| Orange County Virginia | 1 | $ 164,000 | $ 164,000 | $ 165,000 |
| Portsmouth County Virginia | 1 | $ 169,000 | $ 169,000 | $ 93,000 |
| Richmond City County Virginia | 1 | $ 370,000 | $ 370,000 | $ 227,000 |
| Roanoke County Virginia | 1 | $ 225,000 | $ 225,000 | $ 78,000 |
| Rockingham County Virginia | 1 | $ 171,000 | $ 171,000 | $ 181,000 |
| Spotsylvania County Virginia | 1 | $ 208,000 | $ 208,000 | $ 126,000 |
| York County Virginia | 1 | $ 356,000 | $ 356,000 | $ 267,000 |
| Adams County Washington | 1 | $ 224,000 | $ 224,000 | $ 127,000 |
| Clark County Washington | 1 | $ 185,000 | $ 185,000 | $ 101,000 |
| Kitsap County Washington | 1 | $ 207,000 | $ 207,000 | $ 76,000 |
| Kittitas County Washington | 1 | $ 325,000 | $ 325,000 | $ 57,000 |
Mortgage Loan Application Detail Totals for First Financial Services, Inc. in 2011
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 | 2,508 | $594,721,000 | $237,000 | $1,400,000 | $110,000 | $1,918,000 |
| Home Purchase | 538 | $113,138,000 | $210,000 | $2,000,000 | $85,000 | $1,918,000 |
| 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 | 1,811 | $432,566,000 | $238,000 | $2,000,000 | $116,000 | $1,918,000 |
| Not Provided | 797 | $182,910,000 | $229,000 | $944,000 | $89,000 | $1,395,000 |
| Asian | 178 | $44,107,000 | $247,000 | $720,000 | $118,000 | $683,000 |
| Black or African American | 167 | $30,818,000 | $184,000 | $566,000 | $76,000 | $516,000 |
| Hispanic | 82 | $14,976,000 | $182,000 | $506,000 | $85,000 | $266,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $1,572,000 | $262,000 | $600,000 | $102,000 | $175,000 |
| American Indian or Alaskan Native | 5 | $910,000 | $182,000 | $264,000 | $66,000 | $80,000 |
| 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) | 2,192 | $544,924,000 | $248,000 | $2,000,000 | $120,000 | $1,918,000 |
| FHA-insured (Federal Housing Administration) | 683 | $129,254,000 | $189,000 | $955,000 | $71,000 | $516,000 |
| VA-guaranteed (Veterans Administration) | 130 | $27,672,000 | $212,000 | $617,000 | $70,000 | $249,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 41 | $6,009,000 | $146,000 | $340,000 | $46,000 | $92,000 |
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 | 1,760 | $424,196,000 | $241,000 | $1,400,000 | $120,000 | $1,918,000 |
| Application Withdrawn By Applicant | 835 | $191,501,000 | $229,000 | $2,000,000 | $88,000 | $1,918,000 |
| Application Denied By Financial Institution | 450 | $91,974,000 | $204,000 | $900,000 | $84,000 | $375,000 |
| File Closed For Incompleteness | 1 | $188,000 | $188,000 | $188,000 | $90,000 | $90,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 120 | $22,842,000 | $190,000 | $900,000 | $67,000 | $339,000 |
| Other | 99 | $20,641,000 | $208,000 | $768,000 | $81,000 | $329,000 |
| Credit Application Incomplete | 87 | $20,128,000 | $231,000 | $494,000 | $106,000 | $375,000 |
| Debt-To-Income Ratio | 60 | $12,404,000 | $206,000 | $500,000 | $78,000 | $288,000 |
| Collateral | 58 | $10,846,000 | $187,000 | $417,000 | $97,000 | $258,000 |
| Employment History | 12 | $2,826,000 | $235,000 | $433,000 | $98,000 | $250,000 |
| Unverifiable Information | 7 | $1,373,000 | $196,000 | $346,000 | $85,000 | $176,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $818,000 | $136,000 | $190,000 | $42,000 | $78,000 |
| Mortgage Insurance Denied | 1 | $96,000 | $96,000 | $96,000 | $21,000 | $21,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Financial Services, Inc.'s 2011 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.