Key Questions:

1. Who are the leading lenders in Baylor, Texas?
   1. The leading lenders, by market share, are Citimortgage, Inc, American National Bank and Beneficial Company Llc. Do you have the best rate possible? Find out your credit score or browse
2. How stretched will home owners in Baylor, Texas be in paying off their mortgage?
   1. Homeowners in Baylor, Texas borrowed an average of 0.52 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 Baylor, Texas homeowners will default on their mortgage payments in the coming years.
3. How likely are the owners of homes in Baylor, Texas to actually live in them?
   1. 85.2% of home owners in Baylor, Texas 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 Baylor, Texas to the subprime mortgage crisis?
   1. Subprime loans taken out by home owners in Baylor, Texas were meaningfully less than the national average in 2008. That is to say, Baylor, Texas will likely be less affected by the subprime mortgage crisis in years to come as a lesser percentage of all mortgages in Baylor, Texas - 3.7% versus 4.8% - will reset to higher rates in 2009.