Key Questions:

1. Who are the leading lenders in Rawlins, Kansas?
   1. The leading lenders, by market share, are Amfirst Bank, N.A., Flagstar Bank and Beneficial Company Llc. Do you have the best rate possible? Find out your credit score or browse
2. How stretched will home owners in Rawlins, Kansas be in paying off their mortgage?
   1. Homeowners in Rawlins, Kansas borrowed an average of 0.99 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 Rawlins, Kansas homeowners will default on their mortgage payments in the coming years.
3. How likely are the owners of homes in Rawlins, Kansas to actually live in them?
   1. 76.7% of home owners in Rawlins, 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 Rawlins, Kansas to the subprime mortgage crisis?
   1. There were significantly less subprime loans taken out by home owners in Rawlins, Kansas than the national average in 2008. That is to say, Rawlins, Kansas will be less affected by the subprime mortgage crisis in years to come as a lesser percentage of all mortgages in Rawlins, Kansas - 3.3% 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 Rawlins, Kansas than other areas of the US.