Key Questions:

1. How at risk is Harlan, Kentucky to the subprime mortgage crisis?
   1. There were significantly more subprime loans taken out by home owners in Harlan, Kentucky than the national average in 2006. That is to say, Harlan, Kentucky will be more affected by the subprime mortgage crisis in years to come as a greater percentage of all mortgages in Harlan, Kentucky - 17.0% versus 12.0% - will reset to higher rates in 2008. This will mean that there will be more foreclosures caused by the reseting of subprime mortgages in Harlan, Kentucky than other areas of the US.
2. How stretched will home owners in Harlan, Kentucky be in paying off their mortgage?
   1. Homeowners in Harlan, Kentucky borrowed an average of 1.36 times their annual income for their mortgage. This compares to 1.83 for all of the US. Based on the national average, there will be a normal risk that Harlan, Kentucky homeowners will default on their mortgage payments in the coming years.
3. Who are the leading lenders in Harlan, Kentucky?
   1. The leading lenders, by market share, are Branch Banking And Trust Co, Vanderbilt Mortgage and Citifinancial Services, Inc.. Do you have the best rate possible? Get quotes from mortgage lenders.
4. How likely are the owners of homes in Harlan, Kentucky to actually live in them?
   1. 82.6% of home owners in Harlan, Kentucky 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%.