Key Questions:

1. Who are the leading lenders in Madison, Montana?
   1. The leading lenders, by market share, are Countrywide Bank, Fsb, Wells Fargo Bank, Na and Compass Bank. Do you have the best rate possible? Find out your credit score or browse
2. How stretched will home owners in Madison, Montana be in paying off their mortgage?
   1. Homeowners in Madison, Montana borrowed an average of 1.90 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 Madison, Montana homeowners will default on their mortgage payments in the coming years.
3. How likely are the owners of homes in Madison, Montana to actually live in them?
   1. 81.5% of home owners in Madison, Montana 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 Madison, Montana to the subprime mortgage crisis?
   1. Subprime loans taken out by home owners in Madison, Montana were meaningfully less than the national average in 2008. That is to say, Madison, Montana will likely be less affected by the subprime mortgage crisis in years to come as a lesser percentage of all mortgages in Madison, Montana - 4.0% versus 4.8% - will reset to higher rates in 2009.