Key Questions:

1. How at risk is Kingsbury, South Dakota to the subprime mortgage crisis?
   1. Subprime loans taken out by home owners in Kingsbury, South Dakota were meaningfully less than the national average in 2006. That is to say, Kingsbury, South Dakota will likely be less affected by the subprime mortgage crisis in years to come as a lesser percentage of all mortgages in Kingsbury, South Dakota - 9.3% versus 12.0% - will reset to higher rates in 2008.
2. How stretched will home owners in Kingsbury, South Dakota be in paying off their mortgage?
   1. Homeowners in Kingsbury, South Dakota borrowed an average of 1.17 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 Kingsbury, South Dakota homeowners will default on their mortgage payments in the coming years.
3. Who are the leading lenders in Kingsbury, South Dakota?
   1. The leading lenders, by market share, are Wells Fargo Bank, Na, First Bank & Trust 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 Kingsbury, South Dakota to actually live in them?
   1. 86.3% of home owners in Kingsbury, South Dakota 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%.