Key Questions:

1. Who are the leading lenders in Johnson, Iowa?
   1. The leading lenders, by market share, are Hills Bank And Trust Company, Countrywide Bank, Fsb and University Of Iowa Commuity Cu. Do you have the best rate possible? Find out your credit score or browse
2. How stretched will home owners in Johnson, Iowa be in paying off their mortgage?
   1. Homeowners in Johnson, Iowa borrowed an average of 1.62 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 Johnson, Iowa homeowners will default on their mortgage payments in the coming years.
3. How likely are the owners of homes in Johnson, Iowa to actually live in them?
   1. 89.6% of home owners in Johnson, Iowa 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%.
4. How at risk is Johnson, Iowa to the subprime mortgage crisis?
   1. There were significantly less subprime loans taken out by home owners in Johnson, Iowa than the national average in 2008. That is to say, Johnson, Iowa will be less affected by the subprime mortgage crisis in years to come as a lesser percentage of all mortgages in Johnson, Iowa - 3.1% versus 4.8% - will reset to higher rates in 2009. This will mean that there will be less foreclosures caused by the reseting of subprime mortgages in Johnson, Iowa than other areas of the US.