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Key Questions:

    1. How at risk is Cheshire, New Hampshire to the subprime mortgage crisis?
    2. Loans taken out by home owners in Cheshire, New Hampshire are within a +/- 10 percent band of the national average. That is to say, Cheshire, New Hampshire will likely be affected by the subprime mortgage crisis just like the average county in the US.
    1. How stretched will home owners in Cheshire, New Hampshire be in paying off their mortgage?
    2. Homeowners in Cheshire, New Hampshire borrowed an average of 1.79 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 Cheshire, New Hampshire homeowners will default on their mortgage payments in the coming years.
    1. Who are the leading lenders in Cheshire, New Hampshire?
    2. The leading lenders, by market share, are Countrywide Home Loans, Td Banknorth, N.A. and Ameriquest Mortgage Company. Do you have the best rate possible? Get quotes from mortgage lenders.
    1. How likely are the owners of homes in Cheshire, New Hampshire to actually live in them?
    2. 92.7% of home owners in Cheshire, New Hampshire 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%.
2006 Mortgage Research Cheshire New Hampshire US
Total Applications 7,474 147,951 33,304,682
Average Loan $139.2k $165.6k $184.9k
Loan to Income Ratio 1.79 1.75 1.83
Subprime Loans 11.59% 9.89% 11.98%
Refinancing Loans 56.77% 55.80% 50.05%
Principal Dwellings 92.73% 91.59% 88.97%
Rejected Applications 14.49% 11.90% 12.36%

Nearby Counties:   Sullivan, Hillsborough, Merrimack, Belknap, Grafton

Top Ten Lenders
# Name Share Apps
1 Countrywide Home Loans 8.03% 600
2 Td Banknorth, N.A. 6.74% 504
3 Ameriquest Mortgage Company 3.36% 251
4 Wells Fargo Bank, Na 3.30% 247
5 Nationstar Mortgage Llc 2.89% 216
6 Gmac Mortgage Llc 2.77% 207
7 Hfc Company Llc 2.68% 200
8 Beneficial Company Llc 2.41% 180
9 Phh Mortgage Corporation 2.19% 164
10 Bank Of America, N.A. 2.17% 162