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Key Questions:

    1. How at risk is Hartford, Connecticut to the subprime mortgage crisis?
    2. Subprime loans taken out by home owners in Hartford, Connecticut were meaningfully less than the national average in 2006. That is to say, Hartford, Connecticut will likely be less affected by the subprime mortgage crisis in years to come as a lesser percentage of all mortgages in Hartford, Connecticut - 10.6% versus 12.0% - will reset to higher rates in 2008.
    1. How stretched will home owners in Hartford, Connecticut be in paying off their mortgage?
    2. Homeowners in Hartford, Connecticut borrowed an average of 1.73 times their annual income for their mortgage. This compares to 1.83 for all of the US. Based on the national average, there will be a normal risk that Hartford, Connecticut homeowners will default on their mortgage payments in the coming years.
    1. Who are the leading lenders in Hartford, Connecticut?
    2. The leading lenders, by market share, are Countrywide Home Loans, Bank Of America, N.A. and Webster Bank, N.A.. Do you have the best rate possible? Get quotes from mortgage lenders.
    1. How likely are the owners of homes in Hartford, Connecticut to actually live in them?
    2. 93.0% of home owners in Hartford, Connecticut that applied for a mortgage in 2006 live in their homes versus owning them as an investment property. This compares to the national average of 89.0%.
2006 Mortgage Research Hartford Connecticut US
Total Applications 93,643 379,544 33,304,682
Average Loan $154.3k $205.6k $184.9k
Loan to Income Ratio 1.73 1.88 1.83
Subprime Loans 10.62% 10.47% 11.98%
Refinancing Loans 51.13% 53.43% 50.05%
Principal Dwellings 93.03% 92.55% 88.97%
Rejected Applications 11.55% 12.02% 12.36%

Nearby Counties:   Middlesex, Tolland, New Haven, Litchfield, New London

Top Ten Lenders
# Name Share Apps
1 Countrywide Home Loans 6.38% 5,979
2 Bank Of America, N.A. 3.48% 3,258
3 Webster Bank, N.A. 3.19% 2,986
4 Hfc Company Llc 2.67% 2,503
5 Gmac Mortgage Llc 2.31% 2,163
6 Wells Fargo Bank, Na 2.20% 2,062
7 Citimortgage, Inc 2.12% 1,982
8 Countrywide Bank, N.A. 1.92% 1,794
9 Washington Mutual Bank 1.69% 1,582
10 Redidential Funding Corp. 1.59% 1,488