Key Questions:

1. Who are the leading lenders in Ontario, New York?
   1. The leading lenders, by market share, are Cnb Mortgage Company, Wells Fargo Bank, Na and Canandaigua National Bank. Do you have the best rate possible? Find out your credit score or browse
2. How stretched will home owners in Ontario, New York be in paying off their mortgage?
   1. Homeowners in Ontario, New York borrowed an average of 1.43 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 Ontario, New York homeowners will default on their mortgage payments in the coming years.
3. How likely are the owners of homes in Ontario, New York to actually live in them?
   1. 92.6% of home owners in Ontario, New York 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 Ontario, New York to the subprime mortgage crisis?
   1. Loans taken out by home owners in Ontario, New York are within a +/- 10 percent band of the national average. That is to say, Ontario, New York will likely be affected by the subprime mortgage crisis just like the average county in the US.