Key Questions:

1. How at risk is Sangamon, Illinois to the subprime mortgage crisis?
   1. Subprime loans taken out by home owners in Sangamon, Illinois were meaningfully less than the national average in 2006. That is to say, Sangamon, Illinois will likely be less affected by the subprime mortgage crisis in years to come as a lesser percentage of all mortgages in Sangamon, Illinois - 10.3% versus 12.0% - will reset to higher rates in 2008.
2. How stretched will home owners in Sangamon, Illinois be in paying off their mortgage?
   1. Homeowners in Sangamon, Illinois borrowed an average of 1.21 times their annual income for their mortgage. This compares to 1.83 for all of the US. Based on the national average, a significantly lower risk that Sangamon, Illinois homeowners will default on their mortgage payments in the coming years.
3. Who are the leading lenders in Sangamon, Illinois?
   1. The leading lenders, by market share, are Marine Bank Springfield, National City Bank and United Community Bank. Do you have the best rate possible? Get quotes from mortgage lenders.
4. How likely are the owners of homes in Sangamon, Illinois to actually live in them?
   1. 91.1% of home owners in Sangamon, Illinois 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%.