Key Questions:

1. How at risk is Garfield, Oklahoma to the subprime mortgage crisis?
   1. Loans taken out by home owners in Garfield, Oklahoma are within a +/- 10 percent band of the national average. That is to say, Garfield, 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 Garfield, Oklahoma be in paying off their mortgage?
   1. Homeowners in Garfield, Oklahoma borrowed an average of 1.21 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 Garfield, Oklahoma homeowners will default on their mortgage payments in the coming years.
3. Who are the leading lenders in Garfield, Oklahoma?
   1. The leading lenders, by market share, are Bank Of Oklahoma, Na, Bank Of The West 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 Garfield, Oklahoma to actually live in them?
   1. 92.5% of home owners in Garfield, 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%.