Key Questions:

1. Who are the leading lenders in Chatham, North Carolina?
   1. The leading lenders, by market share, are Branch Banking And Trust Co, State Employees' Credit Union and Suntrust Mortgage, Inc. Do you have the best rate possible? Find out your credit score or browse
2. How stretched will home owners in Chatham, North Carolina be in paying off their mortgage?
   1. Homeowners in Chatham, North Carolina borrowed an average of 2.04 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 Chatham, North Carolina homeowners will default on their mortgage payments in the coming years.
3. How likely are the owners of homes in Chatham, North Carolina to actually live in them?
   1. 92.9% of home owners in Chatham, 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 Chatham, North Carolina to the subprime mortgage crisis?
   1. Subprime loans taken out by home owners in Chatham, North Carolina were meaningfully less than the national average in 2008. That is to say, Chatham, North Carolina will likely be less affected by the subprime mortgage crisis in years to come as a lesser percentage of all mortgages in Chatham, North Carolina - 4.0% versus 4.8% - will reset to higher rates in 2009.