Key Questions:

1. Who are the leading lenders in Berkeley, West Virginia?
   1. The leading lenders, by market share, are Wells Fargo Bank, Na, Countrywide Bank, Fsb 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 Berkeley, West Virginia be in paying off their mortgage?
   1. Homeowners in Berkeley, West Virginia borrowed an average of 2.22 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 Berkeley, West Virginia homeowners will default on their mortgage payments in the coming years.
3. How likely are the owners of homes in Berkeley, West Virginia to actually live in them?
   1. 93.4% of home owners in Berkeley, West 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 Berkeley, West Virginia to the subprime mortgage crisis?
   1. Loans taken out by home owners in Berkeley, West Virginia are within a +/- 10 percent band of the national average. That is to say, Berkeley, West Virginia will likely be affected by the subprime mortgage crisis just like the average county in the US.