Key Questions:

1. Who are the leading lenders in Caldwell, North Carolina?
   1. The leading lenders, by market share, are Beneficial Company Llc, Jpmorgan Chase Bank, Na and Branch Banking And Trust Co. Do you have the best rate possible? Find out your credit score or browse
2. How stretched will home owners in Caldwell, North Carolina be in paying off their mortgage?
   1. Homeowners in Caldwell, North Carolina borrowed an average of 1.77 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 Caldwell, North Carolina homeowners will default on their mortgage payments in the coming years.
3. How likely are the owners of homes in Caldwell, North Carolina to actually live in them?
   1. 90.8% of home owners in Caldwell, North Carolina 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 Caldwell, North Carolina to the subprime mortgage crisis?
   1. Subprime loans taken out by home owners in Caldwell, North Carolina were meaningful more than the national average in 2008. That is to say, Caldwell, North Carolina will likely be more affected by the subprime mortgage crisis in years to come as a greater percentage of all mortgages in Caldwell, North Carolina - 5.6% versus 4.8% - will reset to higher rates in 2009. This will likely trigger a higher amount of foreclosures caused by the reseting of subprime mortgages in Caldwell, North Carolina than other areas of the US.