Key Questions:

1. Who are the leading lenders in Vermont?
   1. The leading lenders, by market share, are New England Federal Credit Uni, Countrywide Bank, Fsb and Chittenden Trust Company. Do you have the best rate possible? Find out your credit score or browse
2. How stretched will home owners in Vermont be in paying off their mortgage?
   1. Homeowners in Vermont borrowed an average of 1.69 times their annual income for their mortgage. This compares to 1.97 for all of the US. Based on the national average, there will be a normal risk that Vermont homeowners will default on their mortgage payments in the coming years.
3. How likely are the owners of homes in Vermont to actually live in them?
   1. 86.2% of home owners in Vermont 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 Vermont to the subprime mortgage crisis?
   1. Loans taken out by home owners in Vermont are within a +/- 10 percent band of the national average. That is to say, Vermont will likely be affected by the subprime mortgage crisis just like the average county in the US.