Key Questions:

1. Who are the leading lenders in Douglas, South Dakota?
   1. The leading lenders, by market share, are First Dakota National Bank, Bankwest, Inc. and Cortrust Mortgage. Do you have the best rate possible? Find out your credit score or browse
2. How stretched will home owners in Douglas, South Dakota be in paying off their mortgage?
   1. Homeowners in Douglas, South Dakota borrowed an average of 1.24 times their annual income for their mortgage. This compares to 1.97 for all of the US. Based on the national average, a significantly lower risk that Douglas, South Dakota homeowners will default on their mortgage payments in the coming years.
3. How likely are the owners of homes in Douglas, South Dakota to actually live in them?
   1. 98.2% of home owners in Douglas, South Dakota 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 Douglas, South Dakota to the subprime mortgage crisis?
   1. Loans taken out by home owners in Douglas, South Dakota are within a +/- 10 percent band of the national average. That is to say, Douglas, South Dakota will likely be affected by the subprime mortgage crisis just like the average county in the US.