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Key Questions:

    1. How at risk is Big Horn, Wyoming to the subprime mortgage crisis?
    2. Loans taken out by home owners in Big Horn, Wyoming are within a +/- 10 percent band of the national average. That is to say, Big Horn, Wyoming will likely be affected by the subprime mortgage crisis just like the average county in the US.
    1. How stretched will home owners in Big Horn, Wyoming be in paying off their mortgage?
    2. Homeowners in Big Horn, Wyoming borrowed an average of 1.49 times their annual income for their mortgage. This compares to 1.83 for all of the US. Based on the national average, there will be a normal risk that Big Horn, Wyoming homeowners will default on their mortgage payments in the coming years.
    1. Who are the leading lenders in Big Horn, Wyoming?
    2. The leading lenders, by market share, are Wells Fargo Bank, Na, Countrywide Home Loans and Wells Fargo Fin'L Wyoming, Inc. Do you have the best rate possible? Get quotes from mortgage lenders.
    1. How likely are the owners of homes in Big Horn, Wyoming to actually live in them?
    2. 91.9% of home owners in Big Horn, Wyoming that applied for a mortgage in 2006 live in their homes versus owning them as an investment property. This compares to the national average of 89.0%.
2006 Mortgage Research Big Horn Wyoming US
Total Applications 396 49,799 33,304,682
Average Loan $101.0k $136.8k $184.9k
Loan to Income Ratio 1.49 1.59 1.83
Subprime Loans 11.36% 11.53% 11.98%
Refinancing Loans 59.09% 45.83% 50.05%
Principal Dwellings 91.92% 90.72% 88.97%
Rejected Applications 12.37% 10.59% 12.36%

Nearby Counties:   Washakie, Hot Springs, Sheridan, Johnson, Park

Top Ten Lenders
# Name Share Apps
1 Wells Fargo Bank, Na 7.58% 30
2 Countrywide Home Loans 6.31% 25
3 Wells Fargo Fin'L Wyoming, Inc 4.80% 19
4 Beneficial Company Llc 4.29% 17
5 Us Bank, N.A. 4.04% 16
6 Gmac Mortgage Llc 3.03% 12
7 Ameriquest Mortgage Company 2.78% 11
8 Nationstar Mortgage Llc 2.53% 10
9 E-Loan Inc 2.53% 10
10 Bank Of The West 2.27% 9