Key Questions:

1. Who are the leading lenders in Phillips, Kansas?
   1. The leading lenders, by market share, are Beneficial Company Llc, Gmac Mortgage Llc and Umb Nba. Do you have the best rate possible? Find out your credit score or browse
2. How stretched will home owners in Phillips, Kansas be in paying off their mortgage?
   1. Homeowners in Phillips, Kansas borrowed an average of 1.14 times their annual income for their mortgage. This compares to 1.97 for all of the US. Based on the national average, a significantly lower risk that Phillips, Kansas homeowners will default on their mortgage payments in the coming years.
3. How likely are the owners of homes in Phillips, Kansas to actually live in them?
   1. 92.2% of home owners in Phillips, Kansas 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 Phillips, Kansas to the subprime mortgage crisis?
   1. Loans taken out by home owners in Phillips, Kansas are within a +/- 10 percent band of the national average. That is to say, Phillips, Kansas will likely be affected by the subprime mortgage crisis just like the average county in the US.