Key Questions:

1. How at risk is Alfalfa, Oklahoma to the subprime mortgage crisis?
   1. Loans taken out by home owners in Alfalfa, Oklahoma are within a +/- 10 percent band of the national average. That is to say, Alfalfa, Oklahoma will likely be affected by the subprime mortgage crisis just like the average county in the US.
2. How stretched will home owners in Alfalfa, Oklahoma be in paying off their mortgage?
   1. Homeowners in Alfalfa, Oklahoma borrowed an average of 1.12 times their annual income for their mortgage. This compares to 1.83 for all of the US. Based on the national average, a significantly lower risk that Alfalfa, Oklahoma homeowners will default on their mortgage payments in the coming years.
3. Who are the leading lenders in Alfalfa, Oklahoma?
   1. The leading lenders, by market share, are Citicorp Trust Bank, Fsb, Jpmorgan Chase Bank and Beneficial Company Llc. Do you have the best rate possible? Get quotes from mortgage lenders.
4. How likely are the owners of homes in Alfalfa, Oklahoma to actually live in them?
   1. 98.2% of home owners in Alfalfa, Oklahoma 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%.