Key Questions:

1. Who are the leading lenders in Durham, North Carolina?
   1. The leading lenders, by market share, are Wells Fargo Bank, Na, Branch Banking And Trust Co and Countrywide Bank, Fsb. Do you have the best rate possible? Find out your credit score or browse
2. How stretched will home owners in Durham, North Carolina be in paying off their mortgage?
   1. Homeowners in Durham, North Carolina borrowed an average of 1.87 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 Durham, North Carolina homeowners will default on their mortgage payments in the coming years.
3. How likely are the owners of homes in Durham, North Carolina to actually live in them?
   1. 89.6% of home owners in Durham, 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 Durham, North Carolina to the subprime mortgage crisis?
   1. Subprime loans taken out by home owners in Durham, North Carolina were meaningfully less than the national average in 2008. That is to say, Durham, North Carolina will likely be less affected by the subprime mortgage crisis in years to come as a lesser percentage of all mortgages in Durham, North Carolina - 3.9% versus 4.8% - will reset to higher rates in 2009.