Key Questions:

1. Who are the leading lenders in Culpeper, Virginia?
   1. The leading lenders, by market share, are Beneficial Company Llc, Countrywide Bank, Fsb and Suntrust Mortgage, Inc. Do you have the best rate possible? Find out your credit score or browse
2. How stretched will home owners in Culpeper, Virginia be in paying off their mortgage?
   1. Homeowners in Culpeper, Virginia borrowed an average of 2.54 times their annual income for their mortgage. This compares to 1.97 for all of the US. Based on the national average, a signficantly higher risk that Culpeper, Virginia homeowners will default on their mortgage payments in the coming years.
3. How likely are the owners of homes in Culpeper, Virginia to actually live in them?
   1. 94.3% of home owners in Culpeper, Virginia 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 Culpeper, Virginia to the subprime mortgage crisis?
   1. Subprime loans taken out by home owners in Culpeper, Virginia were meaningfully less than the national average in 2008. That is to say, Culpeper, Virginia will likely be less affected by the subprime mortgage crisis in years to come as a lesser percentage of all mortgages in Culpeper, Virginia - 3.6% versus 4.8% - will reset to higher rates in 2009.