Key Questions:

1. Who are the leading lenders in Pend Oreille, Washington?
   1. The leading lenders, by market share, are Mountain West Bank, Wells Fargo Bank, Na and Countrywide Bank, Fsb. Do you have the best rate possible? Find out your credit score or browse
2. How stretched will home owners in Pend Oreille, Washington be in paying off their mortgage?
   1. Homeowners in Pend Oreille, Washington borrowed an average of 2.05 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 Pend Oreille, Washington homeowners will default on their mortgage payments in the coming years.
3. How likely are the owners of homes in Pend Oreille, Washington to actually live in them?
   1. 84.4% of home owners in Pend Oreille, Washington 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 Pend Oreille, Washington to the subprime mortgage crisis?
   1. Loans taken out by home owners in Pend Oreille, Washington are within a +/- 10 percent band of the national average. That is to say, Pend Oreille, Washington will likely be affected by the subprime mortgage crisis just like the average county in the US.