Key Questions:

1. Who are the leading lenders in Lincoln, North Carolina?
   1. The leading lenders, by market share, are Countrywide Bank, Fsb, 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 Lincoln, North Carolina be in paying off their mortgage?
   1. Homeowners in Lincoln, North Carolina borrowed an average of 2.09 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 Lincoln, North Carolina homeowners will default on their mortgage payments in the coming years.
3. How likely are the owners of homes in Lincoln, North Carolina to actually live in them?
   1. 91.9% of home owners in Lincoln, 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 Lincoln, North Carolina to the subprime mortgage crisis?
   1. Loans taken out by home owners in Lincoln, North Carolina are within a +/- 10 percent band of the national average. That is to say, Lincoln, North Carolina will likely be affected by the subprime mortgage crisis just like the average county in the US.