Key Questions:

1. How at risk is Granville, North Carolina to the subprime mortgage crisis?
   1. Subprime loans taken out by home owners in Granville, North Carolina were meaningfully less than the national average in 2006. That is to say, Granville, North Carolina will likely be less affected by the subprime mortgage crisis in years to come as a lesser percentage of all mortgages in Granville, North Carolina - 10.5% versus 12.0% - will reset to higher rates in 2008.
2. How stretched will home owners in Granville, North Carolina be in paying off their mortgage?
   1. Homeowners in Granville, North Carolina borrowed an average of 1.66 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 Granville, North Carolina homeowners will default on their mortgage payments in the coming years.
3. Who are the leading lenders in Granville, North Carolina?
   1. The leading lenders, by market share, are Branch Banking And Trust Co, Countrywide Home Loans and Wells Fargo Bank, Na. Do you have the best rate possible? Get quotes from mortgage lenders.
4. How likely are the owners of homes in Granville, North Carolina to actually live in them?
   1. 93.6% of home owners in Granville, North Carolina 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%.