First Financial Services, Inc. Mortgage Lending & HMDA Data, 2011
In 2011, First Financial Services, Inc. of Charlotte, NC reported 3,046 mortgage applications totaling $707.9 million, up 203% from 2010. The average application was for $232,389, and applicants reported an average income of $105,584. 58% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Charlotte-Gastonia-Rock Hill, NC-SC (378), Washington-Arlington-Alexandria, DC-VA-MD-WV (282) and Raleigh-Cary, NC (252) (applications in parentheses).
| 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 | $232,389 |
| Highest Mortgage Loan Application Amount | $2,000,000 |
| Average Applicant Income | $105,584 |
| Highest Applicant Income | $1,918,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First Financial Services, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Charlotte-Gastonia-Rock Hill, NC-SC | 378 | $ 83,059,000 | $ 219,732 | $ 93,658 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 282 | $ 97,623,000 | $ 346,180 | $ 160,056 |
| Raleigh-Cary, NC | 252 | $ 52,323,000 | $ 207,630 | $ 88,000 |
| Camden, NJ | 105 | $ 20,772,000 | $ 197,828 | $ 88,000 |
| Baltimore-Towson, MD | 103 | $ 28,865,000 | $ 280,242 | $ 130,000 |
| Philadelphia, PA | 90 | $ 22,084,000 | $ 245,377 | $ 117,000 |
| Atlanta-Sandy Springs-Marietta, GA | 75 | $ 17,038,000 | $ 227,173 | $ 122,000 |
| Durham-Chapel Hill, NC | 74 | $ 16,070,000 | $ 217,162 | $ 103,000 |
| Bethesda-Rockville-Frederick, MD | 70 | $ 20,887,000 | $ 298,385 | $ 129,000 |
| Dallas-Plano-Irving, TX | 70 | $ 15,122,000 | $ 216,028 | $ 119,000 |
| Houston-Sugar Land-Baytown, TX | 69 | $ 12,868,000 | $ 186,492 | $ 112,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 62 | $ 12,863,000 | $ 207,467 | $ 93,000 |
| Wilmington, NC | 55 | $ 11,774,000 | $ 214,072 | $ 85,000 |
| Asheville, NC | 50 | $ 9,517,000 | $ 190,340 | $ 66,000 |
| York-Hanover, PA | 48 | $ 7,572,000 | $ 157,750 | $ 70,000 |
| Edison-New Brunswick, NJ | 46 | $ 12,408,000 | $ 269,739 | $ 132,000 |
| Greensboro-High Point, NC | 43 | $ 8,288,000 | $ 192,744 | $ 78,000 |
| Harrisburg-Carlisle, PA | 42 | $ 5,293,000 | $ 126,023 | $ 56,000 |
| Seattle-Bellevue-Everett, WA | 38 | $ 10,276,000 | $ 270,421 | $ 119,000 |
| Hickory-Lenoir-Morganton, NC | 34 | $ 7,342,000 | $ 215,941 | $ 67,000 |
| Los Angeles-Long Beach-Glendale, CA | 34 | $ 9,538,000 | $ 280,529 | $ 114,000 |
| Winston-Salem, NC | 31 | $ 5,336,000 | $ 172,129 | $ 59,000 |
| Denver-Aurora-Broomfield, CO | 30 | $ 8,390,000 | $ 279,666 | $ 128,000 |
| Pittsburgh, PA | 29 | $ 4,842,000 | $ 166,965 | $ 96,000 |
| Santa Ana-Anaheim-Irvine, CA | 27 | $ 7,937,000 | $ 293,962 | $ 113,000 |
| Austin-Round Rock-San Marcos, TX | 25 | $ 6,136,000 | $ 245,440 | $ 126,000 |
| New York-White Plains-Wayne, NY-NJ | 25 | $ 7,696,000 | $ 307,840 | $ 167,000 |
| Richmond, VA | 24 | $ 5,689,000 | $ 237,041 | $ 108,000 |
| Newark-Union, NJ-PA | 23 | $ 6,020,000 | $ 261,739 | $ 167,695 |
| Fayetteville, NC | 21 | $ 3,354,000 | $ 159,714 | $ 77,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 21 | $ 5,017,000 | $ 238,904 | $ 123,000 |
| San Diego-Carlsbad-San Marcos, CA | 20 | $ 5,151,000 | $ 257,550 | $ 129,000 |
| Fort Worth-Arlington, TX | 18 | $ 3,585,000 | $ 199,166 | $ 119,000 |
| Oakland-Fremont-Hayward, CA | 17 | $ 5,199,000 | $ 305,823 | $ 150,000 |
| Memphis, TN-MS-AR | 16 | $ 3,628,000 | $ 226,750 | $ 145,000 |
| Jacksonville, NC | 15 | $ 2,895,000 | $ 193,000 | $ 191,000 |
| Wilmington, DE-MD-NJ | 15 | $ 3,038,000 | $ 202,533 | $ 99,400 |
| Allentown-Bethlehem-Easton, PA-NJ | 13 | $ 2,363,000 | $ 181,769 | $ 69,923 |
| Greenville-Mauldin-Easley, SC | 13 | $ 2,549,000 | $ 196,076 | $ 118,000 |
| Atlantic City-Hammonton, NJ | 12 | $ 2,102,000 | $ 175,166 | $ 69,000 |
| Greenville, NC | 12 | $ 1,759,000 | $ 146,583 | $ 72,000 |
| Knoxville, TN | 12 | $ 2,831,000 | $ 235,916 | $ 105,000 |
| Orlando-Kissimmee-Sanford, FL | 12 | $ 2,205,000 | $ 183,750 | $ 84,000 |
| Lancaster, PA | 11 | $ 1,917,000 | $ 174,272 | $ 91,000 |
| Scranton--Wilkes-Barre, PA | 11 | $ 1,504,000 | $ 136,727 | $ 68,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 11 | $ 3,740,000 | $ 340,000 | $ 142,727 |
| Chattanooga, TN-GA | 10 | $ 1,883,000 | $ 188,300 | $ 105,000 |
| Columbia, SC | 10 | $ 2,187,000 | $ 218,700 | $ 107,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 10 | $ 2,295,000 | $ 229,500 | $ 104,000 |
| Riverside-San Bernardino-Ontario, CA | 10 | $ 2,474,000 | $ 247,400 | $ 107,000 |
| Warren-Troy-Farmington Hills, MI | 10 | $ 1,977,000 | $ 197,700 | $ 90,000 |
| Burlington, NC | 9 | $ 1,340,000 | $ 148,888 | $ 69,000 |
| Charleston-North Charleston-Summerville, SC | 9 | $ 2,137,000 | $ 237,444 | $ 106,000 |
| Reading, PA | 9 | $ 1,064,000 | $ 118,222 | $ 54,000 |
| Tacoma, WA | 9 | $ 2,117,000 | $ 235,222 | $ 99,000 |
| North Port-Bradenton-Sarasota, FL | 8 | $ 1,580,000 | $ 197,500 | $ 102,000 |
| San Antonio-New Braunfels, TX | 8 | $ 1,591,000 | $ 198,875 | $ 77,000 |
| Ocean City, NJ | 7 | $ 1,434,000 | $ 204,857 | $ 116,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 7 | $ 1,870,000 | $ 267,142 | $ 126,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 7 | $ 1,366,000 | $ 195,142 | $ 84,000 |
| Tampa-St. Petersburg-Clearwater, FL | 6 | $ 1,146,000 | $ 191,000 | $ 112,000 |
| Boulder, CO | 5 | $ 1,092,000 | $ 218,400 | $ 127,000 |
| Charlottesville, VA | 5 | $ 1,371,000 | $ 274,200 | $ 100,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 5 | $ 1,308,000 | $ 261,600 | $ 85,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 5 | $ 1,324,000 | $ 264,800 | $ 153,000 |
| Trenton-Ewing, NJ | 5 | $ 1,454,000 | $ 290,800 | $ 145,000 |
| Dover, DE | 4 | $ 652,000 | $ 163,000 | $ 30,000 |
| Fort Collins-Loveland, CO | 4 | $ 1,035,000 | $ 258,750 | $ 56,000 |
| Jacksonville, FL | 4 | $ 847,000 | $ 211,750 | $ 75,000 |
| Lebanon, PA | 4 | $ 519,000 | $ 129,750 | $ 64,000 |
| Rocky Mount, NC | 4 | $ 731,000 | $ 182,750 | $ 66,000 |
| Augusta-Richmond County, GA-SC | 3 | $ 625,000 | $ 208,333 | $ 71,000 |
| Cape Coral-Fort Myers, FL | 3 | $ 722,000 | $ 240,666 | $ 123,000 |
| Cleveland, TN | 3 | $ 500,000 | $ 166,666 | $ 30,000 |
| Erie, PA | 3 | $ 448,000 | $ 149,333 | $ 79,000 |
| Fresno, CA | 3 | $ 748,000 | $ 249,333 | $ 103,000 |
| Jackson, TN | 3 | $ 613,000 | $ 204,333 | $ 169,000 |
| Lakeland-Winter Haven, FL | 3 | $ 399,000 | $ 133,000 | $ 45,000 |
| Longview, WA | 3 | $ 558,000 | $ 186,000 | $ 117,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 3 | $ 565,000 | $ 188,333 | $ 77,000 |
| Pueblo, CO | 3 | $ 392,000 | $ 130,666 | $ 36,000 |
| San Francisco-San Mateo-Redwood City, CA | 3 | $ 959,000 | $ 319,666 | $ 121,000 |
| Vineland-Millville-Bridgeton, NJ | 3 | $ 345,000 | $ 115,000 | $ 57,000 |
| Yakima, WA | 3 | $ 668,000 | $ 222,666 | $ 51,000 |
| Colorado Springs, CO | 2 | $ 481,000 | $ 240,500 | $ 80,000 |
| Corpus Christi, TX | 2 | $ 581,000 | $ 290,500 | $ 166,000 |
| Detroit-Livonia-Dearborn, MI | 2 | $ 514,000 | $ 257,000 | $ 103,000 |
| Gainesville, FL | 2 | $ 501,000 | $ 250,500 | $ 80,000 |
| Hagerstown-Martinsburg, MD-WV | 2 | $ 377,000 | $ 188,500 | $ 97,000 |
| Johnson City, TN | 2 | $ 467,000 | $ 233,500 | $ 56,000 |
| Kennewick-Pasco-Richland, WA | 2 | $ 475,000 | $ 237,500 | $ 98,000 |
| Kingsport-Bristol-Bristol, TN-VA | 2 | $ 342,000 | $ 171,000 | $ 72,000 |
| Lansing-East Lansing, MI | 2 | $ 250,000 | $ 125,000 | $ 83,000 |
| Miami-Miami Beach-Kendall, FL | 2 | $ 621,000 | $ 310,500 | $ 66,000 |
| Morristown, TN | 2 | $ 422,000 | $ 211,000 | $ 50,000 |
| Naples-Marco Island, FL | 2 | $ 670,000 | $ 335,000 | $ 120,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 450,000 | $ 225,000 | $ 180,000 |
| Port St. Lucie, FL | 2 | $ 395,000 | $ 197,500 | $ 88,000 |
| Salisbury, MD | 2 | $ 345,000 | $ 172,500 | $ 72,000 |
| San Angelo, TX | 2 | $ 312,000 | $ 156,000 | $ 283,000 |
| Santa Rosa-Petaluma, CA | 2 | $ 638,000 | $ 319,000 | $ 85,000 |
| Savannah, GA | 2 | $ 717,000 | $ 358,500 | $ 208,000 |
| Sherman-Denison, TX | 2 | $ 295,000 | $ 147,500 | $ 55,000 |
| Spartanburg, SC | 2 | $ 291,000 | $ 145,500 | $ 68,000 |
| Spokane, WA | 2 | $ 434,000 | $ 217,000 | $ 75,000 |
| Stockton, CA | 2 | $ 353,000 | $ 176,500 | $ 69,000 |
| Tallahassee, FL | 2 | $ 317,000 | $ 158,500 | $ 82,000 |
| Valdosta, GA | 2 | $ 307,000 | $ 153,500 | $ 49,000 |
| Williamsport, PA | 2 | $ 235,000 | $ 117,500 | $ 47,000 |
| Altoona, PA | 1 | $ 340,000 | $ 340,000 | $ 122,000 |
| Anderson, SC | 1 | $ 224,000 | $ 224,000 | $ 112,000 |
| Ann Arbor, MI | 1 | $ 166,000 | $ 166,000 | $ 109,000 |
| Athens-Clarke County, GA | 1 | $ 226,000 | $ 226,000 | $ 130,000 |
| Bakersfield-Delano, CA | 1 | $ 232,000 | $ 232,000 | $ 146,000 |
| Bremerton-Silverdale, WA | 1 | $ 207,000 | $ 207,000 | $ 76,000 |
| Columbus, GA-AL | 1 | $ 148,000 | $ 148,000 | $ 10,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 180,000 | $ 180,000 | $ 120,000 |
| El Paso, TX | 1 | $ 160,000 | $ 160,000 | $ 192,000 |
| Florence, SC | 1 | $ 202,000 | $ 202,000 | $ 68,000 |
| Gainesville, GA | 1 | $ 217,000 | $ 217,000 | $ 353,000 |
| Goldsboro, NC | 1 | $ 180,000 | $ 180,000 | $ 54,000 |
| Harrisonburg, VA | 1 | $ 171,000 | $ 171,000 | $ 181,000 |
| Jackson, MI | 1 | $ 156,000 | $ 156,000 | $ 86,000 |
| Johnstown, PA | 1 | $ 92,000 | $ 92,000 | $ 67,000 |
| Kalamazoo-Portage, MI | 1 | $ 294,000 | $ 294,000 | $ 129,000 |
| Macon, GA | 1 | $ 104,000 | $ 104,000 | $ 51,000 |
| Muskegon-Norton Shores, MI | 1 | $ 131,000 | $ 131,000 | $ 74,000 |
| Napa, CA | 1 | $ 260,000 | $ 260,000 | $ 115,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 1 | $ 185,000 | $ 185,000 | $ 101,000 |
| Punta Gorda, FL | 1 | $ 102,000 | $ 102,000 | $ 67,000 |
| Roanoke, VA | 1 | $ 225,000 | $ 225,000 | $ 78,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 256,000 | $ 256,000 | $ 80,000 |
| St. Cloud, MN | 1 | $ 188,000 | $ 188,000 | $ 117,000 |
| Tyler, TX | 1 | $ 417,000 | $ 417,000 | $ 216,000 |
| Vallejo-Fairfield, CA | 1 | $ 377,000 | $ 377,000 | $ 237,000 |
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
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