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Key Questions:

    1. Who are the leading lenders in Camas, Idaho?
    2. The leading lenders, by market share, are Beneficial Company Llc, Countrywide Bank, Fsb and Panhandle State Bank. Do you have the best rate possible? Find out your credit score or browse
    1. How stretched will home owners in Camas, Idaho be in paying off their mortgage?
    2. Homeowners in Camas, Idaho borrowed an average of 2.10 times their annual income for their mortgage. This compares to 1.97 for all of the US. Based on the national average, there will be a normal risk that Camas, Idaho homeowners will default on their mortgage payments in the coming years.
    1. How likely are the owners of homes in Camas, Idaho to actually live in them?
    2. 85.2% of home owners in Camas, Idaho that applied for a mortgage in 2008 live in their homes versus owning them as an investment property. This compares to the national average of 90.0%.
    1. How at risk is Camas, Idaho to the subprime mortgage crisis?
    2. Loans taken out by home owners in Camas, Idaho are within a +/- 10 percent band of the national average. That is to say, Camas, Idaho will likely be affected by the subprime mortgage crisis just like the average county in the US.
2008 Mortgage Research Camas Idaho US
Total Applications 108 108,689 17,391,570
Average Loan $162.0k $174.7k $198.2k
Loan to Income Ratio 2.10 2.04 1.97
Subprime Loans 4.63% 3.99% 4.81%
Refinancing Loans 79.63% 61.67% 52.52%
Principal Dwellings 85.19% 89.35% 90.00%
Rejected Applications 16.67% 13.48% 15.15%

Nearby Counties:   Gooding, Elmore, Lincoln, Blaine, Custer

IDAHO Mortgage Rates
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Top Ten Lenders
# Name Share Apps
1 Beneficial Company Llc 29.28% 27
2 Countrywide Bank, Fsb 10.87% 19
3 Panhandle State Bank 7.18% 7
4 Wells Fargo Bank, Na 6.58% 6
5 Northwest Farm Credit Services 4.57% 1
6 Flagstar Bank 3.40% 2
7 Quicken Loans 3.33% 3
8 Suntrust Mortgage, Inc 3.26% 3
9 Us Bank, N.A. 3.17% 4
10 First Tennessee Bank Na 2.99% 4