// RateCalculator.js /* History: Created originally by DRH for a few NC methods only; Global mods 03/08/2001 ROD to mimic legacy UW and TitlePolicy, provide foundation for multiple states, and generally tighten code. Thereafter other state support added over the years. Purposefully limited revision comments to keep the script clean-looking ... ROD */ /* Init Rate Matrix into global array; order is significant for any graduated level (e.g. MOLx) Note: tables values may differ significantly from legacy UW, such as TN's OWN and MTG levels Many values defined below are unused in this web version since we're only concerned with the most frequently used rate methods. Refer to TitlePolicy Rate Generator instead of UW for determining most recent changes. 07/17/02 ROD cleaned out rate matrix removing those rows not currently in use 09/19/05 ROD Note, of Michigan regions only MI1 and MIC are currently supported; retaining all regions in case ressurrected in future. Any related javascript coded defensibly so support remains for those deactivated Michigan regions. MI1 (zone 1) is now just referred to as Michigan, without any zone suffix. 05/22/2007, wmc, removed all NC rate methods except "regular" and "reissue". Round coverage amounts to nearest $1000 for NC. Adjusted REIS rates to 50% of prior if within 15 years or same as regular if over 15 years. */ // Region Code MinLimit MaxLimit Rate Additional var gaMatrix = [[ "AL", "MINP", 0.00, 0.00, 50.000, 0.00], // Minimum Premium [ "AL", "MTG1", 0.00, 50000.00, 2.500, 0.00], // Mortgagee Level 1 [ "AL", "MTG2", 50000.01, 100000.00, 2.000, 0.00], // Mortgagee Level 2 [ "AL", "MTG3", 100000.01, 500000.00, 1.750, 0.00], // Mortgagee Level 3 [ "AL", "MTG4", 500000.01, 6000000.00, 1.500, 0.00], // Mortgagee Level 4 [ "AL", "MTG5", 6000000.01, 15000000.00, 1.250, 0.00], // Mortgagee Level 5 [ "AL", "MTG6", 15000000.01, 999999999.99, 1.000, 0.00], // Mortgagee Level 6 [ "AL", "OWN1", 0.00, 50000.00, 3.500, 0.00], // Owner Level 1 [ "AL", "OWN2", 50000.01, 100000.00, 3.000, 0.00], // Owner Level 2 [ "AL", "OWN3", 100000.01, 1000000.00, 2.000, 0.00], // Owner Level 3 [ "AL", "OWN4", 1000000.01, 10000000.00, 1.750, 0.00], // Owner Level 4 [ "AL", "OWN5", 10000000.01, 999999999.99, 1.250, 0.00], // Owner Level 5 [ "AL", "REFI", 0.00, 15.00, 50.000, 0.00], // Refinance [ "AL", "REIS", 0.00, 10.00, 60.000, 0.00], // Reissue [ "AL", "SIOM", 0.00, 0.00, 50.000, 0.00], // Simultaneous Issue; flat rate [ "AL", "TCON", 0.00, 0.00, 1.000, 0.00], // Temporary Construction [ "AR", "MINP", 0.00, 0.00, 50.000, 0.00], // Minimum Premium [ "AR", "MTG1", 0.00, 50000.00, 2.500, 0.00], // Mortgagee Level 1 [ "AR", "MTG2", 50000.01, 100000.00, 2.000, 0.00], // Mortgagee Level 2 [ "AR", "MTG3", 100000.01, 500000.00, 1.750, 0.00], // Mortgagee Level 3 [ "AR", "MTG4", 500000.01, 10000000.00, 1.500, 0.00], // Mortgagee Level 4 [ "AR", "MTG5", 10000000.01, 15000000.00, 1.250, 0.00], // Mortgagee Level 5 [ "AR", "MTG6", 15000000.01, 999999999.99, 1.000, 0.00], // Mortgagee Level 6 [ "AR", "OWN1", 0.00, 50000.00, 3.500, 0.00], // Owner Level 1 [ "AR", "OWN2", 50000.01, 100000.00, 3.000, 0.00], // Owner Level 2 [ "AR", "OWN3", 100000.01, 5000000.00, 2.000, 0.00], // Owner Level 3 [ "AR", "OWN4", 5000000.01, 10000000.00, 1.750, 0.00], // Owner Level 4 [ "AR", "OWN5", 10000000.01, 15000000.00, 1.500, 0.00], // Owner Level 5 [ "AR", "OWN6", 15000000.01, 999999999.99, 1.250, 0.00], // Owner Level 6 [ "AR", "REFI", 0.00, 15.00, 50.000, 0.00], // Refinance [ "AR", "REIS", 0.00, 10.00, 60.000, 0.00], // Reissue [ "AR", "SIOM", 0.00, 0.00, 50.000, 0.00], // Simultaneous Issue; flat rate [ "AR", "TCON", 0.00, 0.00, 1.000, 0.00], // Temporary Construction [ "DC", "MINP", 0.00, 0.00, 150.000, 100.00], // Rate = OWNER minimum Prem; Mtgee Min premium [ "DC", "MTG1", 0.00, 250000.00, 2.500, 0.00], // Mortgagee Level 1 [ "DC", "MTG2", 250000.01, 500000.00, 2.000, 0.00], // Mortgagee Level 2 [ "DC", "MTG3", 500000.01, 1000000.00, 1.750, 0.00], // Mortgagee Level 3 [ "DC", "MTG4", 1000000.01, 5000000.00, 1.500, 0.00], // Mortgagee Level 4 [ "DC", "MTG5", 5000000.01, 15000000.00, 1.250, 0.00], // Mortgagee Level 5 [ "DC", "MTG6", 15000000.01, 999999999.99, 1.000, 0.00], // Mortgagee Level 6 [ "DC", "OWN1", 0.00, 250000.00, 3.500, 0.00], // Mortgagee Level 1 [ "DC", "OWN2", 250000.01, 500000.00, 3.000, 0.00], // Mortgagee Level 2 [ "DC", "OWN3", 500000.01, 1000000.00, 2.500, 0.00], // Mortgagee Level 3 [ "DC", "OWN4", 1000000.01, 5000000.00, 2.000, 0.00], // Mortgagee Level 4 [ "DC", "OWN5", 5000000.01, 15000000.00, 1.750, 0.00], // Mortgagee Level 5 [ "DC", "OWN6", 15000000.01, 999999999.99, 1.500, 0.00], // Mortgagee Level 6 [ "DC", "REFI", 0.00, 10.00, 40.000, 0.00], // Refinance [ "DC", "REIS", 0.00, 10.00, 60.000, 0.00], // Reissue Rate [ "DC", "SIOM", 0.00, 0.00, 150.000, 50.00], // Simultaneous Issue/Owner-Mtgee; max = flat fee; additional = rate [ "DC", "TCON", 0.00, 0.00, 1.000, 0.00], // Temporary Construction [ "FL", "CEIL", 0.00, 0.00, 3.000, 0.00], // Reissue age ceiling in years [ "FL", "MINP", 0.00, 0.00, 100.000, 60.00], // Minimum Premium Amount; addt'l = min prem amount for Reg Multiple Conveyance [ "FL", "MOL1", 0.00, 100000.00, 5.750, 0.00], // Mortgagee/Owner Level 1 [ "FL", "MOL2", 100000.01, 1000000.00, 5.000, 0.00], // Mortgagee/Owner Level 2 [ "FL", "MOL3", 1000000.01, 5000000.00, 2.500, 0.00], // Mortgagee/Owner Level 3 [ "FL", "MOL4", 5000000.01, 10000000.00, 2.250, 0.00], // Mortgagee/Owner Level 4 [ "FL", "MOL5", 10000000.01, 999999999.99, 2.000, 0.00], // Mortgagee/Owner Level 5 [ "FL", "REI1", 0.00, 100000.00, 3.300, 0.00], // reissue Mortgagee/Owner Level 1 [ "FL", "REI2", 100000.01, 1000000.00, 3.000, 0.00], // reissue Mortgagee/Owner Level 2 [ "FL", "REI3", 1000000.01, 10000000.00, 2.000, 0.00], // reissue Mortgagee/Owner Level 3 [ "FL", "REI4", 10000000.01, 999999999.99, 1.500, 0.00], // reissue Mortgagee/Owner Level 4 [ "FL", "SIOM", 0.00, 0.00, 25.000, 0.00], // Simultaneous Issue; flat rate [ "GM", "MINP", 0.00, 0.00, 50.000, 0.00], // Minimum Premium [ "GM", "MTG1", 0.00, 50000.00, 2.000, 0.00], // Mortgagee Level 1 [ "GM", "MTG2", 50000.01, 10000000.00, 1.500, 0.00], // Mortgagee Level 2 [ "GM", "MTG3", 10000000.01, 15000000.00, 1.250, 0.00], // Mortgagee Level 3 [ "GM", "MTG4", 15000000.01, 999999999.99, 1.000, 0.00], // Mortgagee Level 4 [ "GM", "OWN1", 0.00, 25000.00, 3.000, 0.00], // Owner Level 1 [ "GM", "OWN2", 25000.01, 50000.00, 2.500, 0.00], // Owner Level 2 [ "GM", "OWN3", 50000.01, 10000000.00, 1.500, 0.00], // Owner Level 3 [ "GM", "OWN4", 10000000.01, 15000000.00, 1.250, 0.00], // Owner Level 4 [ "GM", "OWN5", 15000000.01, 999999999.99, 1.000, 0.00], // Owner Level 5 [ "GM", "REFI", 0.00, 5.00, 50.000, 0.00], // Refinance [ "GM", "REFI", 6.00, 10.00, 60.000, 0.00], // Refinance [ "GM", "REIS", 0.00, 10.00, 60.000, 0.00], // Reissue [ "GM", "SIOM", 0.00, 0.00, 25.000, 0.00], // Simultaneous Mtgee/Owner [ "GM", "TCON", 0.00, 0.00, 1.000, 0.00], // Mortgagee Construction [ "GS", "MINP", 0.00, 0.00, 50.000, 0.00], // Minimum Premium [ "GS", "MTG1", 0.00, 50000.00, 2.500, 0.00], // Mortgagee Level 1 [ "GS", "MTG2", 50000.01, 100000.00, 2.000, 0.00], // Mortgagee Level 2 [ "GS", "MTG3", 100000.01, 500000.00, 1.750, 0.00], // Mortgagee Level 3 [ "GS", "MTG4", 500000.01, 10000000.00, 1.500, 0.00], // Mortgagee Level 4 [ "GS", "MTG5", 10000000.01, 15000000.00, 1.250, 0.00], // Mortgagee Level 5 [ "GS", "MTG6", 15000000.01, 999999999.99, 1.000, 0.00], // Mortgagee Level 6 [ "GS", "OWN1", 0.00, 50000.00, 3.500, 0.00], // Owner Level 1 [ "GS", "OWN2", 50000.01, 100000.00, 3.000, 0.00], // Owner Level 2 [ "GS", "OWN3", 100000.01, 5000000.00, 2.000, 0.00], // Owner Level 3 [ "GS", "OWN4", 5000000.01, 10000000.00, 1.750, 0.00], // Owner Level 4 [ "GS", "OWN5", 10000000.01, 15000000.00, 1.500, 0.00], // Owner Level 5 [ "GS", "OWN6", 15000000.01, 999999999.99, 1.250, 0.00], // Owner Level 6 [ "GS", "REFI", 0.00, 5.00, 50.000, 0.00], // Refinance [ "GS", "REFI", 6.00, 10.00, 60.000, 0.00], // Refinance [ "GS", "REIS", 0.00, 10.00, 60.000, 0.00], // Reissue [ "GS", "SIOM", 0.00, 0.00, 25.000, 0.00], // Simultaneous Mtgee/Owner [ "GS", "TCON", 0.00, 0.00, 1.000, 0.00], // Mortgagee Construction [ "IL", "MINP", 0.00, 0.00, 100.000, 0.00], // Rate = minimum Prem [ "IL", "MTG1", 0.00, 50000.00, 2.500, 0.00], // Mortgagee Level 1 [ "IL", "MTG2", 50000.01, 100000.00, 2.000, 0.00], // Mortgagee Level 2 [ "IL", "MTG3", 100000.01, 500000.00, 1.750, 0.00], // Mortgagee Level 3 [ "IL", "MTG4", 500000.01, 10000000.00, 1.500, 0.00], // Mortgagee Level 4 [ "IL", "MTG5", 10000000.01, 15000000.00, 1.250, 0.00], // Mortgagee Level 5 [ "IL", "MTG6", 15000000.01, 999999999.99, 1.000, 0.00], // Mortgagee Level 6 [ "IL", "OWN1", 0.00, 50000.00, 3.500, 0.00], // Owner Level 1 [ "IL", "OWN2", 50000.01, 100000.00, 3.000, 0.00], // Owner Level 2 [ "IL", "OWN3", 100000.01, 5000000.00, 2.000, 0.00], // Owner Level 3 [ "IL", "OWN4", 5000000.01, 10000000.00, 1.750, 0.00], // Owner Level 4 [ "IL", "OWN5", 10000000.01, 15000000.00, 1.500, 0.00], // Owner Level 5 [ "IL", "OWN6", 15000000.01, 999999999.99, 1.250, 0.00], // Owenr Level 6 [ "IL", "REFI", 0.00, 15.00, 50.000, 0.00], // Refinance [ "IL", "REIS", 0.00, 10.00, 60.000, 0.00], // Reissue Rate [ "IL", "SIOM", 0.00, 0.00, 50.000, 0.00], // Simultaneous Issue/Owner-Mtgee [ "IL", "TCON", 0.00, 0.00, 1.000, 0.00], // Temporary Construction [ "IN1", "MINP", 0.00, 0.00, 50.000, 0.00], // Minimum Prem - Reg Rates [ "IN1", "MOL1", 0.00, 50000.00, 3.500, 0.00], // Mortgagee/Owner Level 1 [ "IN1", "MOL2", 50000.01, 100000.00, 3.000, 0.00], // Mortgagee/Owner Level 2 [ "IN1", "MOL3", 100000.01, 150000.00, 2.000, 0.00], // Mortgagee/Owner Level 3 [ "IN1", "MOL4", 150000.01, 500000.00, 1.750, 0.00], // Mortgagee/Owner Level 4 [ "IN1", "MOL4", 500000.01, 999999999.99, 1.000, 0.00], // Mortgagee/Owner Level 5 [ "IN1", "REFI", 0.00, 10.00, 50.000, 0.00], // Refinance [ "IN1", "REIS", 0.00, 10.00, 60.000, 0.00], // Reissue Rate [ "IN1", "SIOM", 0.00, 0.00, 50.000, 0.00], // Simultaneous Issue/Owner-Mtgee [ "IN1", "TCON", 0.00, 0.00, 1.000, 0.00], // Temp Construction [ "IN2", "MINP", 0.00, 0.00, 60.000, 0.00], // Minimum Prem - Reg Rates [ "IN2", "MOL1", 0.00, 50000.00, 2.500, 0.00], // Mortgagee/Owner Level 2 [ "IN2", "MOL2", 50000.01, 100000.00, 2.250, 0.00], // Mortgagee/Owner Level 3 [ "IN2", "MOL3", 100000.01, 500000.00, 2.000, 0.00], // Mortgagee/Owner Level 4 [ "IN2", "MOL4", 500000.01, 10000000.00, 1.750, 0.00], // Mortgagee/Owner Level 5 [ "IN2", "MOL5", 10000000.01, 15000000.00, 1.500, 0.00], // Mortgagee/Owner Level 6 [ "IN2", "MOL6", 15000000.01, 999999999.99, 1.250, 0.00], // Mortgagee/Owner Level 7 [ "IN2", "REIS", 0.00, 10.00, 60.000, 0.00], // Reissue Rate [ "IN2", "SIOM", 0.00, 0.00, 60.000, 0.00], // Simultaneous Issue/Owner-Mtgee [ "IN2", "SURE", 0.00, 10.00, 60.000, 0.00], // Substitution-Refinance [ "IN2", "TCON", 0.00, 0.00, 1.000, 0.00], // Temp Constr. Binder [ "IN3", "MINP", 0.00, 0.00, 75.000, 0.00], // Minimum Prem - Reg Rates [ "IN3", "MOL1", 0.00, 50000.00, 4.500, 0.00], // Mortgagee/Owner Level 2 [ "IN3", "MOL2", 50000.01, 75000.00, 3.000, 0.00], // Mortgagee/Owner Level 3 [ "IN3", "MOL3", 75000.01, 150000.00, 2.000, 0.00], // Mortgagee/Owner Level 4 [ "IN3", "MOL4", 150000.01, 200000.00, 1.500, 0.00], // Mortgagee/Owner Level 5 [ "IN3", "MOL5", 200000.01, 999999999.99, 1.000, 0.00], // Mortgagee/Owner Level 6 [ "IN3", "REFI", 0.00, 10.00, 50.000, 0.00], // Refinance [ "IN3", "REIS", 0.00, 10.00, 60.000, 0.00], // Reissue Rate [ "IN3", "SIOM", 0.00, 0.00, 50.000, 0.00], // Simultaneous Issue/Owner-Mtgee [ "IN3", "TCON", 0.00, 0.00, 1.000, 0.00], // Temp Construction [ "KY", "MINP", 0.00, 0.00, 50.000, 0.00], // Rate = minimum Prem [ "KY", "MTG1", 0.00, 50000.00, 3.000, 0.00], // Mortgagee Level 1 [ "KY", "MTG2", 50000.01, 100000.00, 2.500, 0.00], // Mortgagee Level 2 [ "KY", "MTG3", 100000.01, 500000.00, 2.000, 0.00], // Mortgagee Level 3 [ "KY", "MTG4", 500000.01, 1000000.00, 1.750, 0.00], // Mortgagee Level 4 [ "KY", "MTG5", 1000000.01, 15000000.00, 1.500, 0.00], // Mortgagee Level 5 [ "KY", "MTG6", 15000000.01, 999999999.99, 1.250, 0.00], // Mortgagee Level 6 [ "KY", "OWN1", 0.00, 50000.00, 4.000, 0.00], // Owner Level 1 [ "KY", "OWN2", 50000.01, 100000.00, 3.500, 0.00], // Owner Level 2 [ "KY", "OWN3", 100000.01, 1000000.00, 2.500, 0.00], // Owner Level 3 [ "KY", "OWN4", 1000000.01, 10000000.00, 2.000, 0.00], // Owner Level 4 [ "KY", "OWN5", 10000000.01, 999999999.99, 1.500, 0.00], // Owenr Level 5 [ "KY", "REFI", 0.00, 15.00, 50.000, 0.00], // Refinance [ "KY", "REIS", 0.00, 10.00, 60.000, 0.00], // Reissue Rate [ "KY", "SIOM", 0.00, 0.00, 50.000, 0.00], // Simultaneous Issue/Owner-Mtgee [ "KY", "TCON", 0.00, 0.00, 1.000, 0.00], // Temporary Construction [ "LA", "MINP", 0.00, 0.00, 58.000, 49.00], // Rate = O minimum Prem; Additional = M Min Prem [ "LA", "MTG1", 0.00, 12000.00, 49.000, 0.00], // Mortgagee Level 1 [ "LA", "MTG2", 12000.01, 50000.00, 3.500, 0.00], // Mortgagee Level 2 [ "LA", "MTG3", 50000.01, 100000.00, 3.000, 0.00], // Mortgagee Level 3 [ "LA", "MTG4", 100000.01, 500000.00, 2.750, 0.00], // Mortgagee Level 4 [ "LA", "MTG5", 500000.01, 1000000.00, 2.250, 0.00], // Mortgagee Level 5 [ "LA", "MTG6", 1000000.01, 2000000.00, 2.000, 0.00], // Mortgagee Level 6 [ "LA", "MTG7", 2000000.01, 15000000.00, 1.750, 0.00], // Mortgagee Level 7 [ "LA", "MTG8", 15000000.01, 25000000.00, 1.500, 0.00], // Mortgagee Level 8 [ "LA", "MTG9", 25000000.01, 35000000.00, 1.250, 0.00], // Mortgagee Level 9 [ "LA", "MTG10",35000000.01, 999999999.99, 1.000, 0.00], // Mortgagee Level 10 [ "LA", "OWN1", 0.00, 12000.00, 58.000, 0.00], // Owner Level 1 [ "LA", "OWN2", 12000.01, 50000.00, 4.500, 0.00], // Owner Level 2 [ "LA", "OWN3", 50000.01, 100000.00, 4.000, 0.00], // Owner Level 3 [ "LA", "OWN4", 100000.01, 500000.00, 3.750, 0.00], // Owner Level 4 [ "LA", "OWN5", 500000.01, 1000000.00, 3.000, 0.00], // Owner Level 5 [ "LA", "OWN6", 1000000.01, 2000000.00, 2.500, 0.00], // Owner Level 6 [ "LA", "OWN7", 2000000.01, 10000000.00, 2.250, 0.00], // Owner Level 7 [ "LA", "OWN8", 10000000.01, 15000000.00, 2.000, 0.00], // Owner Level 8 [ "LA", "OWN9", 15000000.01, 25000000.00, 1.750, 0.00], // Owner Level 9 [ "LA", "OWN10",25000000.01, 35000000.00, 1.500, 0.00], // Owner Level 10 [ "LA", "OWN11",35000000.01, 999999999.99, 1.250, 0.00], // Owner Level 11 [ "LA", "REFI", 0.00, 15.00, 50.000, 0.00], // Refinance [ "LA", "REIS", 0.00, 10.00, 60.000, 0.00], // Reissue Rate [ "LA", "SIOM", 0.00, 0.00, 30.000, 0.00], // Simultaneous Issue/Owner-Mtgee [ "LA", "TCON", 0.00, 0.00, 1.000, 0.00], // Temporary Construction [ "MD", "MINP", 0.00, 0.00, 140.000, 100.00], // Rate = O minimum Prem; Additional = M Min Prem [ "MD", "MTG1", 0.00, 250000.00, 2.500, 0.00], // Mortgagee Level 1 [ "MD", "MTG2", 250000.01, 500000.00, 2.000, 0.00], // Mortgagee Level 2 [ "MD", "MTG3", 500000.01, 1000000.00, 1.750, 0.00], // Mortgagee Level 3 [ "MD", "MTG4", 1000000.01, 5000000.00, 1.500, 0.00], // Mortgagee Level 4 [ "MD", "MTG5", 5000000.01, 15000000.00, 1.250, 0.00], // Mortgagee Level 5 [ "MD", "MTG6", 15000000.01, 999999999.99, 1.000, 0.00], // Mortgagee Level 6 [ "MD", "OWN1", 0.00, 250000.00, 3.500, 0.00], // Owner Level 1 [ "MD", "OWN2", 250000.01, 500000.00, 3.000, 0.00], // Owner Level 2 [ "MD", "OWN3", 500000.01, 1000000.00, 2.500, 0.00], // Owner Level 3 [ "MD", "OWN4", 1000000.01, 5000000.00, 2.000, 0.00], // Owner Level 4 [ "MD", "OWN5", 5000000.01, 15000000.00, 1.750, 0.00], // Owner Level 5 [ "MD", "OWN6", 15000000.01, 999999999.99, 1.500, 0.00], // Owner Level 6 [ "MD", "REFI", 0.00, 10.00, 40.000, 0.00], // Refinance [ "MD", "REIS", 0.00, 10.00, 60.000, 0.00], // Reissue Rate [ "MD", "SIOM", 0.00, 0.00, 35.000, 0.00], // Simultaneous Issue/Owner-Mtgee [ "MD", "TCON", 0.00, 0.00, 1.000, 0.00], // Temporary Construction [ "MI1", "MINP", 0.00, 0.00, 190.000, 0.00], // Minimum Premium [ "MI1", "LTD1", 0.00, 20000.00, 130.000, 0.00], // Limited Resid. Level 1 [ "MI1", "LTD2", 20000.01, 50000.00, 2.500, 0.00], // Limited Resid. Level 2 [ "MI1", "LTD3", 50000.01, 100000.00, 2.000, 0.00], // Limited Resid. Level 3 [ "MI1", "LTD4", 5000000.01, 999999999.99, 1.500, 0.00], // Limited Resid. Level 4 [ "MI1", "MOL1", 0.00, 1000.00, 190.000, 0.00], // Mortgagee/Owner Level 1 [ "MI1", "MOL2", 1000.01, 50000.00, 5.000, 0.00], // Mortgagee/Owner Level 2 [ "MI1", "MOL3", 50000.01, 100000.00, 4.000, 0.00], // Mortgagee/Owner Level 3 [ "MI1", "MOL4", 100000.01, 200000.00, 3.500, 0.00], // Mortgagee/Owner Level 4 [ "MI1", "MOL5", 200000.01, 300000.00, 3.000, 0.00], // Mortgagee/Owner Level 5 [ "MI1", "MOL6", 300000.01, 1000000.00, 2.500, 0.00], // Mortgagee/Owner Level 6 [ "MI1", "MOL7", 1000000.01, 4000000.00, 2.000, 0.00], // Mortgagee/Owner Level 7 [ "MI1", "MOL8", 4000000.01, 5000000.00, 1.500, 0.00], // Mortgagee/Owner Level 8 [ "MI1", "MOL9", 5000000.01, 999999999.99, 1.000, 0.00], // Mortgagee/Owner Level 9 [ "MI1", "MTG1", 0.00, 1000.00, 190.000, 0.00], // Mortgagee Level 1 [ "MI1", "MTG2", 1000.01, 50000.00, 4.000, 0.00], // Mortgagee Level 2 [ "MI1", "MTG3", 50000.01, 100000.00, 3.000, 0.00], // Mortgagee Level 3 [ "MI1", "MTG4", 100000.01, 200000.00, 2.750, 0.00], // Mortgagee Level 4 [ "MI1", "MTG5", 200000.01, 300000.00, 2.500, 0.00], // Mortgagee Level 5 [ "MI1", "MTG6", 300000.01, 1000000.00, 2.000, 0.00], // Mortgagee Level 6 [ "MI1", "MTG7", 1000000.01, 5000000.00, 1.500, 0.00], // Mortgagee Level 7 [ "MI1", "MTG8", 5000000.01, 999999999.99, 1.000, 0.00], // Mortgagee Level 8 [ "MI1", "OWN1", 0.00, 1000.00, 190.000, 0.00], // Owner Level 1 [ "MI1", "OWN2", 1000.01, 50000.00, 5.000, 0.00], // Owner Level 2 [ "MI1", "OWN3", 50000.01, 100000.00, 4.000, 0.00], // Owner Level 3 [ "MI1", "OWN4", 100000.01, 200000.00, 3.500, 0.00], // Owner Level 4 [ "MI1", "OWN5", 200000.01, 300000.00, 3.000, 0.00], // Owner Level 5 [ "MI1", "OWN6", 300000.01, 1000000.00, 2.500, 0.00], // Owner Level 6 [ "MI1", "OWN7", 1000000.01, 4000000.00, 2.000, 0.00], // Owner Level 7 [ "MI1", "OWN8", 4000000.01, 5000000.00, 1.500, 0.00], // Owner Level 8 [ "MI1", "OWN9", 5000000.01, 999999999.99, 1.000, 0.00], // Owner Level 9 [ "MI1", "REFI", 0.00, 999999999.00, 50.000, 0.00], // Refinance Rate Level 2 [ "MI1", "REIS", 0.00, 3.00, 60.000, 0.00], // Reissue Rate level 1 [ "MI1", "REIS", 4.00, 5.00, 80.000, 0.00], // Reissue Rate level 2 [ "MI1", "REIS", 6.00, 999999999.00, 90.000, 0.00], // Reissue Rate level 3 [ "MI1", "SIOM", 0.00, 0.00, 40.000, 0.00], // Simultaneous Issue [ "MI2", "MINP", 0.00, 0.00, 190.000, 0.00], // Minimum Premium [ "MI2", "MOL1", 0.00, 11000.00, 190.000, 0.00], // Mortgagee/Owner Level 1 [ "MI2", "MOL2", 11000.01, 50000.00, 4.000, 0.00], // Mortgagee/Owner Level 2 [ "MI2", "MOL3", 50000.01, 100000.00, 3.000, 0.00], // Mortgagee/Owner Level 3 [ "MI2", "MOL4", 100000.01, 300000.00, 2.500, 0.00], // Mortgagee/Owner Level 4 [ "MI2", "MOL5", 300000.01, 4000000.00, 2.000, 0.00], // Mortgagee/Owner Level 5 [ "MI2", "MOL6", 4000000.01, 5000000.00, 1.500, 0.00], // Mortgagee/Owner Level 6 [ "MI2", "MOL7", 5000000.01, 999999999.99, 1.000, 0.00], // Mortgagee/Owner Level 7 [ "MI2", "MTG1", 0.00, 19000.00, 190.000, 0.00], // Mortgagee Level 1 [ "MI2", "MTG2", 19000.01, 50000.00, 2.500, 0.00], // Mortgagee Level 2 [ "MI2", "MTG3", 50000.01, 100000.00, 2.000, 0.00], // Mortgagee Level 3 [ "MI2", "MTG4", 100000.01, 300000.00, 1.750, 0.00], // Mortgagee Level 4 [ "MI2", "MTG5", 300000.01, 5000000.00, 1.500, 0.00], // Mortgagee Level 5 [ "MI2", "MTG6", 5000000.01, 999999999.99, 1.000, 0.00], // Mortgagee Level 6 [ "MI2", "OWN1", 0.00, 11000.00, 190.000, 0.00], // Owner Level 1 [ "MI2", "OWN2", 11000.01, 50000.00, 4.000, 0.00], // Owner Level 2 [ "MI2", "OWN3", 50000.01, 100000.00, 3.000, 0.00], // Owner Level 3 [ "MI2", "OWN4", 100000.01, 300000.00, 2.500, 0.00], // Owner Level 4 [ "MI2", "OWN5", 300000.01, 4000000.00, 2.000, 0.00], // Owner Level 5 [ "MI2", "OWN6", 4000000.01, 5000000.00, 1.500, 0.00], // Owner Level 6 [ "MI2", "OWN7", 5000000.01, 999999999.99, 1.000, 0.00], // Owner Level 7 [ "MI2", "REFI", 0.00, 0.11, 40.000, 0.00], // Refinance Rate Level 1 [ "MI2", "REFI", 1.00, 999999999.00, 50.000, 0.00], // Refinance Rate Level 2 [ "MI2", "REIS", 0.00, 0.11, 40.000, 0.00], // Reissue Rate [ "MI2", "REIS", 1.00, 3.00, 60.000, 0.00], // Reissue Rate [ "MI2", "REIS", 4.00, 5.00, 80.000, 0.00], // Reissue Rate [ "MI2", "REIS", 6.00, 999999999.00, 90.000, 0.00], // Reissue Rate [ "MI2", "SIOM", 0.00, 0.00, 40.000, 0.00], // Simultaneous Issue [ "MIC", "MINP", 0.00, 0.00, 1750.000, 0.00], // Minimum Premium [ "MIC", "MOL1", 0.00, 1000000.00, 1750.000, 0.00], // Mortgagee/Owner Level 1 [ "MIC", "MOL2", 1000000.01, 10000000.00, 1.000, 0.00], // Mortgagee/Owner Level 2 [ "MIC", "MOL3", 10000000.01, 100000000.00, 0.850, 0.00], // Mortgagee/Owner Level 3 [ "MIC", "MOL4",100000000.01, 999999999.99, 0.800, 0.00], // Mortgagee/Owner Level 4 [ "MIC", "REFI", 0.00, 10000000.00, 75.000, 0.00], // Refinance Rate Level 1 [ "MIC", "REFI", 10000000.01, 999999999.00, 60.000, 0.00], // Refinance Rate Level 2 [ "MIC", "REIS", 0.00, 10000000.00, 90.000, 0.00], // Reissue Rate Level 1 [ "MIC", "REIS", 10000000.01, 999999999.99, 75.000, 0.00], // Reissue Rate Level 2 [ "MIC", "SIOM", 0.00, 0.00, 0.000, 0.20], // Simultaneous Issue [ "MIK", "MINP", 0.00, 0.00, 190.000, 104.00], // Minimum Premium [ "MIK", "MOL1", 0.00, 12000.00, 190.000, 0.00], // Mortgagee/Owner Level 1 [ "MIK", "MOL2", 12000.01, 50000.00, 5.000, 0.00], // Mortgagee/Owner Level 2 [ "MIK", "MOL3", 50000.01, 80000.00, 4.000, 0.00], // Mortgagee/Owner Level 3 [ "MIK", "MOL4", 80000.01, 300000.00, 3.000, 0.00], // Mortgagee/Owner Level 4 [ "MIK", "MOL5", 300000.01, 1000000.00, 2.500, 0.00], // Mortgagee/Owner Level 5 [ "MIK", "MOL6", 1000000.01, 4000000.00, 2.000, 0.00], // Mortgagee/Owner Level 6 [ "MIK", "MOL7", 4000000.01, 5000000.00, 1.500, 0.00], // Mortgagee/Owner Level 7 [ "MIK", "MOL8", 5000000.01, 999999999.99, 1.000, 0.00], // Mortgagee/Owner Level 8 [ "MIK", "MTG1", 0.00, 12000.00, 190.000, 0.00], // Mortgagee Level 1 [ "MIK", "MTG2", 12000.01, 50000.00, 4.000, 0.00], // Mortgagee Level 2 [ "MIK", "MTG3", 50000.01, 100000.00, 3.000, 0.00], // Mortgagee Level 3 [ "MIK", "MTG4", 100000.01, 300000.00, 2.500, 0.00], // Mortgagee Level 4 [ "MIK", "MTG5", 300000.01, 1000000.00, 2.000, 0.00], // Mortgagee Level 5 [ "MIK", "MTG6", 1000000.01, 999999999.99, 1.500, 0.00], // Mortgagee Level 6 [ "MIK", "OWN1", 0.00, 12000.00, 190.000, 0.00], // Owner Level 1 [ "MIK", "OWN2", 12000.01, 50000.00, 5.000, 0.00], // Owner Level 2 [ "MIK", "OWN3", 50000.01, 80000.00, 4.000, 0.00], // Owner Level 3 [ "MIK", "OWN4", 80000.01, 300000.00, 3.000, 0.00], // Owner Level 4 [ "MIK", "OWN5", 300000.01, 1000000.00, 2.500, 0.00], // Owner Level 5 [ "MIK", "OWN6", 1000000.01, 4000000.00, 2.000, 0.00], // Owner Level 6 [ "MIK", "OWN7", 4000000.01, 5000000.00, 1.500, 0.00], // Owner Level 7 [ "MIK", "OWN8", 5000000.01, 999999999.99, 1.000, 0.00], // Owner Level 8 [ "MIK", "REFI", 0.00, 0.11, 40.000, 0.00], // Refinance Rate Level 1 [ "MIK", "REFI", 1.00, 999999999.00, 50.000, 0.00], // Refinance Rate Level 2 [ "MIK", "REIS", 0.00, 0.11, 40.000, 0.00], // Reissue Rate [ "MIK", "REIS", 1.00, 3.00, 60.000, 0.00], // Reissue Rate [ "MIK", "REIS", 4.00, 5.00, 80.000, 0.00], // Reissue Rate [ "MIK", "REIS", 6.00, 999999999.00, 90.000, 0.00], // Reissue Rate [ "MIK", "SIOM", 0.00, 0.00, 40.000, 0.00], // Simultaneous Issue [ "MI1x", "MINP", 0.00, 0.00, 165.000, 0.00], // Minimum Premium [ "MI1x", "MOL1", 0.00, 10000.00, 165.000, 0.00], // Mortgagee/Owner Level 1 [ "MI1x", "MOL2", 10000.01, 50000.00, 5.000, 0.00], // Mortgagee/Owner Level 2 [ "MI1x", "MOL3", 50000.01, 100000.00, 4.000, 0.00], // Mortgagee/Owner Level 3 [ "MI1x", "MOL4", 100000.01, 200000.00, 3.500, 0.00], // Mortgagee/Owner Level 4 [ "MI1x", "MOL5", 200000.01, 300000.00, 3.000, 0.00], // Mortgagee/Owner Level 5 [ "MI1x", "MOL6", 300000.01, 1000000.00, 2.500, 0.00], // Mortgagee/Owner Level 6 [ "MI1x", "MOL7", 1000000.01, 4000000.00, 2.000, 0.00], // Mortgagee/Owner Level 7 [ "MI1x", "MOL8", 4000000.01, 5000000.00, 1.500, 0.00], // Mortgagee/Owner Level 8 [ "MI1x", "MOL9", 5000000.01, 999999999.99, 1.000, 0.00], // Mortgagee/Owner Level 9 [ "MI1x", "MTG1", 0.00, 14000.00, 165.000, 0.00], // Mortgagee Level 1 [ "MI1x", "MTG2", 14000.01, 50000.00, 4.000, 0.00], // Mortgagee Level 2 [ "MI1x", "MTG3", 50000.01, 100000.00, 3.000, 0.00], // Mortgagee Level 3 [ "MI1x", "MTG4", 100000.01, 200000.00, 2.750, 0.00], // Mortgagee Level 4 [ "MI1x", "MTG5", 200000.01, 300000.00, 2.500, 0.00], // Mortgagee Level 5 [ "MI1x", "MTG6", 300000.01, 1000000.00, 2.000, 0.00], // Mortgagee Level 6 [ "MI1x", "MTG7", 1000000.01, 5000000.00, 1.500, 0.00], // Mortgagee Level 7 [ "MI1x", "MTG8", 5000000.01, 999999999.99, 1.000, 0.00], // Mortgagee Level 8 [ "MI1x", "OWN1", 0.00, 10000.00, 165.000, 0.00], // Owner Level 1 [ "MI1x", "OWN2", 10000.01, 50000.00, 5.000, 0.00], // Owner Level 2 [ "MI1x", "OWN3", 50000.01, 100000.00, 4.000, 0.00], // Owner Level 3 [ "MI1x", "OWN4", 100000.01, 200000.00, 3.500, 0.00], // Owner Level 4 [ "MI1x", "OWN5", 200000.01, 300000.00, 3.000, 0.00], // Owner Level 5 [ "MI1x", "OWN6", 300000.01, 1000000.00, 2.500, 0.00], // Owner Level 6 [ "MI1x", "OWN7", 1000000.01, 4000000.00, 2.000, 0.00], // Owner Level 7 [ "MI1x", "OWN8", 4000000.01, 5000000.00, 1.500, 0.00], // Owner Level 8 [ "MI1x", "OWN9", 5000000.01, 999999999.99, 1.000, 0.00], // Owner Level 9 [ "MI1x", "REFI", 0.00, 0.11, 40.000, 0.00], // Refinance Rate Level 1 [ "MI1x", "REFI", 1.00, 999999999.00, 50.000, 0.00], // Refinance Rate Level 2 [ "MI1x", "REIS", 0.00, 0.11, 40.000, 0.00], // Reissue Rate [ "MI1x", "REIS", 1.00, 3.00, 60.000, 0.00], // Reissue Rate [ "MI1x", "REIS", 4.00, 5.00, 80.000, 0.00], // Reissue Rate [ "MI1x", "REIS", 6.00, 999999999.00, 90.000, 0.00], // Reissue Rate [ "MI1x", "SIOM", 0.00, 0.00, 40.000, 0.00], // Simultaneous Issue [ "MI2x", "MINP", 0.00, 0.00, 165.000, 0.00], // Minimum Premium [ "MI2x", "MOL1", 0.00, 11000.00, 165.000, 0.00], // Mortgagee/Owner Level 1 [ "MI2x", "MOL2", 11000.01, 50000.00, 4.000, 0.00], // Mortgagee/Owner Level 2 [ "MI2x", "MOL3", 50000.01, 100000.00, 3.000, 0.00], // Mortgagee/Owner Level 3 [ "MI2x", "MOL4", 100000.01, 300000.00, 2.500, 0.00], // Mortgagee/Owner Level 4 [ "MI2x", "MOL5", 300000.01, 4000000.00, 2.000, 0.00], // Mortgagee/Owner Level 5 [ "MI2x", "MOL6", 4000000.01, 5000000.00, 1.500, 0.00], // Mortgagee/Owner Level 6 [ "MI2x", "MOL7", 5000000.01, 999999999.99, 1.000, 0.00], // Mortgagee/Owner Level 7 [ "MI2x", "MTG1", 0.00, 19000.00, 165.000, 0.00], // Mortgagee Level 1 [ "MI2x", "MTG2", 19000.01, 50000.00, 2.500, 0.00], // Mortgagee Level 2 [ "MI2x", "MTG3", 50000.01, 100000.00, 2.000, 0.00], // Mortgagee Level 3 [ "MI2x", "MTG4", 100000.01, 300000.00, 1.750, 0.00], // Mortgagee Level 4 [ "MI2x", "MTG5", 300000.01, 5000000.00, 1.500, 0.00], // Mortgagee Level 5 [ "MI2x", "MTG6", 5000000.01, 999999999.99, 1.000, 0.00], // Mortgagee Level 6 [ "MI2x", "OWN1", 0.00, 11000.00, 165.000, 0.00], // Owner Level 1 [ "MI2x", "OWN2", 11000.01, 50000.00, 4.000, 0.00], // Owner Level 2 [ "MI2x", "OWN3", 50000.01, 100000.00, 3.000, 0.00], // Owner Level 3 [ "MI2x", "OWN4", 100000.01, 300000.00, 2.500, 0.00], // Owner Level 4 [ "MI2x", "OWN5", 300000.01, 4000000.00, 2.000, 0.00], // Owner Level 5 [ "MI2x", "OWN6", 4000000.01, 5000000.00, 1.500, 0.00], // Owner Level 6 [ "MI2x", "OWN7", 5000000.01, 999999999.99, 1.000, 0.00], // Owner Level 7 [ "MI2x", "REFI", 0.00, 0.11, 40.000, 0.00], // Refinance Rate Level 1 [ "MI2x", "REFI", 1.00, 999999999.00, 50.000, 0.00], // Refinance Rate Level 2 [ "MI2x", "REIS", 0.00, 0.11, 40.000, 0.00], // Reissue Rate [ "MI2x", "REIS", 1.00, 3.00, 60.000, 0.00], // Reissue Rate [ "MI2x", "REIS", 4.00, 5.00, 80.000, 0.00], // Reissue Rate [ "MI2x", "REIS", 6.00, 999999999.00, 90.000, 0.00], // Reissue Rate [ "MI2x", "SIOM", 0.00, 0.00, 40.000, 0.00], // Simultaneous Issue [ "MIKx", "MINP", 0.00, 0.00, 165.000, 104.00], // Minimum Premium [ "MIKx", "MOL1", 0.00, 12000.00, 165.000, 0.00], // Mortgagee/Owner Level 1 [ "MIKx", "MOL2", 12000.01, 50000.00, 5.000, 0.00], // Mortgagee/Owner Level 2 [ "MIKx", "MOL3", 50000.01, 80000.00, 4.000, 0.00], // Mortgagee/Owner Level 3 [ "MIKx", "MOL4", 80000.01, 300000.00, 3.000, 0.00], // Mortgagee/Owner Level 4 [ "MIKx", "MOL5", 300000.01, 1000000.00, 2.500, 0.00], // Mortgagee/Owner Level 5 [ "MIKx", "MOL6", 1000000.01, 4000000.00, 2.000, 0.00], // Mortgagee/Owner Level 6 [ "MIKx", "MOL7", 4000000.01, 5000000.00, 1.500, 0.00], // Mortgagee/Owner Level 7 [ "MIKx", "MOL8", 5000000.01, 999999999.99, 1.000, 0.00], // Mortgagee/Owner Level 8 [ "MIKx", "MTG1", 0.00, 12000.00, 165.000, 0.00], // Mortgagee Level 1 [ "MIKx", "MTG2", 12000.01, 50000.00, 4.000, 0.00], // Mortgagee Level 2 [ "MIKx", "MTG3", 50000.01, 100000.00, 3.000, 0.00], // Mortgagee Level 3 [ "MIKx", "MTG4", 100000.01, 300000.00, 2.500, 0.00], // Mortgagee Level 4 [ "MIKx", "MTG5", 300000.01, 1000000.00, 2.000, 0.00], // Mortgagee Level 5 [ "MIKx", "MTG6", 1000000.01, 999999999.99, 1.500, 0.00], // Mortgagee Level 6 [ "MIKx", "NERE", 2000000.01, 2250000.00, 0.300, 0.00], // Reinsurance - (NE) [ "MIKx", "OWN1", 0.00, 12000.00, 165.000, 0.00], // Owner Level 1 [ "MIKx", "OWN2", 12000.01, 50000.00, 5.000, 0.00], // Owner Level 2 [ "MIKx", "OWN3", 50000.01, 80000.00, 4.000, 0.00], // Owner Level 3 [ "MIKx", "OWN4", 80000.01, 300000.00, 3.000, 0.00], // Owner Level 4 [ "MIKx", "OWN5", 300000.01, 1000000.00, 2.500, 0.00], // Owner Level 5 [ "MIKx", "OWN6", 1000000.01, 4000000.00, 2.000, 0.00], // Owner Level 6 [ "MIKx", "OWN7", 4000000.01, 5000000.00, 1.500, 0.00], // Owner Level 7 [ "MIKx", "OWN8", 5000000.01, 999999999.99, 1.000, 0.00], // Owner Level 8 [ "MIKx", "REFI", 0.00, 0.11, 40.000, 0.00], // Refinance Rate Level 1 [ "MIKx", "REFI", 1.00, 999999999.00, 50.000, 0.00], // Refinance Rate Level 2 [ "MIKx", "REIS", 0.00, 0.11, 40.000, 0.00], // Reissue Rate [ "MIKx", "REIS", 1.00, 3.00, 60.000, 0.00], // Reissue Rate [ "MIKx", "REIS", 4.00, 5.00, 80.000, 0.00], // Reissue Rate [ "MIKx", "REIS", 6.00, 999999999.00, 90.000, 0.00], // Reissue Rate [ "MIKx", "SIOM", 0.00, 0.00, 40.000, 0.00], // Simultaneous Issue [ "MI1m", "MINP", 0.00, 0.00, 160.000, 0.00], // Minimum Premium [ "MI1m", "MOL1", 0.00, 10000.00, 160.000, 0.00], // Mortgagee/Owner Level 1 [ "MI1m", "MOL2", 10000.01, 50000.00, 5.000, 0.00], // Mortgagee/Owner Level 2 [ "MI1m", "MOL3", 50000.01, 100000.00, 4.000, 0.00], // Mortgagee/Owner Level 3 [ "MI1m", "MOL4", 100000.01, 200000.00, 3.500, 0.00], // Mortgagee/Owner Level 4 [ "MI1m", "MOL5", 200000.01, 300000.00, 3.000, 0.00], // Mortgagee/Owner Level 5 [ "MI1m", "MOL6", 300000.01, 1000000.00, 2.500, 0.00], // Mortgagee/Owner Level 6 [ "MI1m", "MOL7", 1000000.01, 4000000.00, 2.000, 0.00], // Mortgagee/Owner Level 7 [ "MI1m", "MOL8", 4000000.01, 5000000.00, 1.500, 0.00], // Mortgagee/Owner Level 8 [ "MI1m", "MOL9", 5000000.01, 999999999.99, 1.000, 0.00], // Mortgagee/Owner Level 9 [ "MI1m", "MTG1", 0.00, 14000.00, 160.000, 0.00], // Mortgagee Level 1 [ "MI1m", "MTG2", 14000.01, 50000.00, 4.000, 0.00], // Mortgagee Level 2 [ "MI1m", "MTG3", 50000.01, 100000.00, 3.000, 0.00], // Mortgagee Level 3 [ "MI1m", "MTG4", 100000.01, 200000.00, 2.750, 0.00], // Mortgagee Level 4 [ "MI1m", "MTG5", 200000.01, 300000.00, 2.500, 0.00], // Mortgagee Level 5 [ "MI1m", "MTG6", 300000.01, 1000000.00, 2.000, 0.00], // Mortgagee Level 6 [ "MI1m", "MTG7", 1000000.01, 5000000.00, 1.500, 0.00], // Mortgagee Level 7 [ "MI1m", "MTG8", 5000000.01, 999999999.99, 1.000, 0.00], // Mortgagee Level 8 [ "MI1m", "OWN1", 0.00, 10000.00, 160.000, 0.00], // Owner Level 1 [ "MI1m", "OWN2", 10000.01, 50000.00, 5.000, 0.00], // Owner Level 2 [ "MI1m", "OWN3", 50000.01, 100000.00, 4.000, 0.00], // Owner Level 3 [ "MI1m", "OWN4", 100000.01, 200000.00, 3.500, 0.00], // Owner Level 4 [ "MI1m", "OWN5", 200000.01, 300000.00, 3.000, 0.00], // Owner Level 5 [ "MI1m", "OWN6", 300000.01, 1000000.00, 2.500, 0.00], // Owner Level 6 [ "MI1m", "OWN7", 1000000.01, 4000000.00, 2.000, 0.00], // Owner Level 7 [ "MI1m", "OWN8", 4000000.01, 5000000.00, 1.500, 0.00], // Owner Level 8 [ "MI1m", "OWN9", 5000000.01, 999999999.99, 1.000, 0.00], // Owner Level 9 [ "MI1m", "REFI", 0.00, 0.11, 40.000, 0.00], // Refinance Rate Level 1 [ "MI1m", "REFI", 1.00, 999999999.00, 50.000, 0.00], // Refinance Rate Level 2 [ "MI1m", "REIS", 0.00, 0.11, 40.000, 0.00], // Reissue Rate [ "MI1m", "REIS", 1.00, 3.00, 60.000, 0.00], // Reissue Rate [ "MI1m", "REIS", 4.00, 5.00, 80.000, 0.00], // Reissue Rate [ "MI1m", "REIS", 6.00, 999999999.00, 90.000, 0.00], // Reissue Rate [ "MI1m", "SIOM", 0.00, 0.00, 40.000, 0.00], // Simultaneous Issue [ "MI2m", "MINP", 0.00, 0.00, 160.000, 0.00], // Minimum Premium [ "MI2m", "MOL1", 0.00, 11000.00, 160.000, 0.00], // Mortgagee/Owner Level 1 [ "MI2m", "MOL2", 11000.01, 50000.00, 4.000, 0.00], // Mortgagee/Owner Level 2 [ "MI2m", "MOL3", 50000.01, 100000.00, 3.000, 0.00], // Mortgagee/Owner Level 3 [ "MI2m", "MOL4", 100000.01, 300000.00, 2.500, 0.00], // Mortgagee/Owner Level 4 [ "MI2m", "MOL5", 300000.01, 4000000.00, 2.000, 0.00], // Mortgagee/Owner Level 5 [ "MI2m", "MOL6", 4000000.01, 5000000.00, 1.500, 0.00], // Mortgagee/Owner Level 6 [ "MI2m", "MOL7", 5000000.01, 999999999.99, 1.000, 0.00], // Mortgagee/Owner Level 7 [ "MI2m", "MTG1", 0.00, 19000.00, 160.000, 0.00], // Mortgagee Level 1 [ "MI2m", "MTG2", 19000.01, 50000.00, 2.500, 0.00], // Mortgagee Level 2 [ "MI2m", "MTG3", 50000.01, 100000.00, 2.000, 0.00], // Mortgagee Level 3 [ "MI2m", "MTG4", 100000.01, 300000.00, 1.750, 0.00], // Mortgagee Level 4 [ "MI2m", "MTG5", 300000.01, 5000000.00, 1.500, 0.00], // Mortgagee Level 5 [ "MI2m", "MTG6", 5000000.01, 999999999.99, 1.000, 0.00], // Mortgagee Level 6 [ "MI2m", "OWN1", 0.00, 11000.00, 160.000, 0.00], // Owner Level 1 [ "MI2m", "OWN2", 11000.01, 50000.00, 4.000, 0.00], // Owner Level 2 [ "MI2m", "OWN3", 50000.01, 100000.00, 3.000, 0.00], // Owner Level 3 [ "MI2m", "OWN4", 100000.01, 300000.00, 2.500, 0.00], // Owner Level 4 [ "MI2m", "OWN5", 300000.01, 4000000.00, 2.000, 0.00], // Owner Level 5 [ "MI2m", "OWN6", 4000000.01, 5000000.00, 1.500, 0.00], // Owner Level 6 [ "MI2m", "OWN7", 5000000.01, 999999999.99, 1.000, 0.00], // Owner Level 7 [ "MI2m", "REFI", 0.00, 0.11, 40.000, 0.00], // Refinance Rate Level 1 [ "MI2m", "REFI", 1.00, 999999999.00, 50.000, 0.00], // Refinance Rate Level 2 [ "MI2m", "REIS", 0.00, 0.11, 40.000, 0.00], // Reissue Rate [ "MI2m", "REIS", 1.00, 3.00, 60.000, 0.00], // Reissue Rate [ "MI2m", "REIS", 4.00, 5.00, 80.000, 0.00], // Reissue Rate [ "MI2m", "REIS", 6.00, 999999999.00, 90.000, 0.00], // Reissue Rate [ "MI2m", "SIOM", 0.00, 0.00, 40.000, 0.00], // Simultaneous Issue [ "MIKm", "MINP", 0.00, 0.00, 160.000, 104.00], // Minimum Premium [ "MIKm", "MOL1", 0.00, 12000.00, 160.000, 0.00], // Mortgagee/Owner Level 1 [ "MIKm", "MOL2", 12000.01, 50000.00, 5.000, 0.00], // Mortgagee/Owner Level 2 [ "MIKm", "MOL3", 50000.01, 80000.00, 4.000, 0.00], // Mortgagee/Owner Level 3 [ "MIKm", "MOL4", 80000.01, 300000.00, 3.000, 0.00], // Mortgagee/Owner Level 4 [ "MIKm", "MOL5", 300000.01, 1000000.00, 2.500, 0.00], // Mortgagee/Owner Level 5 [ "MIKm", "MOL6", 1000000.01, 4000000.00, 2.000, 0.00], // Mortgagee/Owner Level 6 [ "MIKm", "MOL7", 4000000.01, 5000000.00, 1.500, 0.00], // Mortgagee/Owner Level 7 [ "MIKm", "MOL8", 5000000.01, 999999999.99, 1.000, 0.00], // Mortgagee/Owner Level 8 [ "MIKm", "MTG1", 0.00, 12000.00, 160.000, 0.00], // Mortgagee Level 1 [ "MIKm", "MTG2", 12000.01, 50000.00, 4.000, 0.00], // Mortgagee Level 2 [ "MIKm", "MTG3", 50000.01, 100000.00, 3.000, 0.00], // Mortgagee Level 3 [ "MIKm", "MTG4", 100000.01, 300000.00, 2.500, 0.00], // Mortgagee Level 4 [ "MIKm", "MTG5", 300000.01, 1000000.00, 2.000, 0.00], // Mortgagee Level 5 [ "MIKm", "MTG6", 1000000.01, 999999999.99, 1.500, 0.00], // Mortgagee Level 6 [ "MIKm", "OWN1", 0.00, 12000.00, 160.000, 0.00], // Owner Level 1 [ "MIKm", "OWN2", 12000.01, 50000.00, 5.000, 0.00], // Owner Level 2 [ "MIKm", "OWN3", 50000.01, 80000.00, 4.000, 0.00], // Owner Level 3 [ "MIKm", "OWN4", 80000.01, 300000.00, 3.000, 0.00], // Owner Level 4 [ "MIKm", "OWN5", 300000.01, 1000000.00, 2.500, 0.00], // Owner Level 5 [ "MIKm", "OWN6", 1000000.01, 4000000.00, 2.000, 0.00], // Owner Level 6 [ "MIKm", "OWN7", 4000000.01, 5000000.00, 1.500, 0.00], // Owner Level 7 [ "MIKm", "OWN8", 5000000.01, 999999999.99, 1.000, 0.00], // Owner Level 8 [ "MIKm", "REFI", 0.00, 0.11, 40.000, 0.00], // Refinance Rate Level 1 [ "MIKm", "REFI", 1.00, 999999999.00, 50.000, 0.00], // Refinance Rate Level 2 [ "MIKm", "REIS", 0.00, 0.11, 40.000, 0.00], // Reissue Rate [ "MIKm", "REIS", 1.00, 3.00, 60.000, 0.00], // Reissue Rate [ "MIKm", "REIS", 4.00, 5.00, 80.000, 0.00], // Reissue Rate [ "MIKm", "REIS", 6.00, 999999999.00, 90.000, 0.00], // Reissue Rate [ "MIKm", "SIOM", 0.00, 0.00, 40.000, 0.00], // Simultaneous Issue [ "MO", "MINP", 0.00, 0.00, 125.000, 100.00], // Rate = OWNER minimum Prem; Mtgee Min premium [ "MO", "MTG1", 0.00, 50000.00, 2.500, 0.00], // Mortgagee Level 1 [ "MO", "MTG2", 50000.01, 100000.00, 2.000, 0.00], // Mortgagee Level 2 [ "MO", "MTG3", 100000.01, 500000.00, 1.750, 0.00], // Mortgagee Level 3 [ "MO", "MTG4", 500000.01, 10000000.00, 1.500, 0.00], // Mortgagee Level 4 [ "MO", "MTG5", 10000000.01, 15000000.00, 1.250, 0.00], // Mortgagee Level 5 [ "MO", "MTG6", 15000000.01, 999999999.99, 1.000, 0.00], // Mortgagee Level 6 [ "MO", "OWN1", 0.00, 50000.00, 3.500, 0.00], // Owner Level 1 [ "MO", "OWN2", 50000.01, 100000.00, 3.000, 0.00], // Owner Level 2 [ "MO", "OWN3", 100000.01, 500000.00, 2.000, 0.00], // Owner Level 3 [ "MO", "OWN4", 500000.01, 10000000.00, 1.750, 0.00], // Owner Level 4 [ "MO", "OWN5", 10000000.01, 15000000.00, 1.500, 0.00], // Owner Level 5 [ "MO", "OWN6", 15000000.01, 999999999.99, 1.250, 0.00], // Owner Level 6 [ "MO", "REFI", 0.00, 10.00, 50.000, 0.00], // Refinance [ "MO", "REIS", 0.00, 10.00, 60.000, 0.00], // Reissue Rate [ "MO", "SIOM", 0.00, 0.00, 25.000, 0.00], // Simultaneous Issue/Owner-Mtgee; max = flat fee [ "MN", "MINP", 0.00, 0.00, 50.000, 0.00], // Rate = minimum Prem [ "MN", "OWN1", 0.00, 100000.00, 4.000, 0.00], // Mortgagee Level 1 [ "MN", "OWN2", 100000.01, 150000.00, 3.250, 0.00], // Mortgagee Level 2 [ "MN", "OWN3", 150000.01, 300000.00, 2.500, 0.00], // Mortgagee Level 3 [ "MN", "OWN4", 300000.01, 10000000.00, 2.250, 0.00], // Mortgagee Level 4 (note upper limit cap) [ "MN", "MTG1", 0.00, 100000.00, 3.000, 0.00], // Owner Level 1 [ "MN", "MTG2", 100000.01, 150000.00, 2.750, 0.00], // Owner Level 2 [ "MN", "MTG3", 150000.01, 300000.00, 2.500, 0.00], // Owner Level 3 [ "MN", "MTG4", 300000.01, 10000000.00, 2.250, 0.00], // Owner Level 4 (note upper limit cap) [ "MN", "REFI", 0.00, 0.00, 1.000, 0.00], // Refinance (rate per k) [ "MN", "REIS", 0.00, 0.00, 1.000, 0.00], // Reissue Rate (rate per k) [ "MN", "SIOM", 0.00, 0.00, 50.000, 0.00], // Simultaneous Issue/Owner-Mtgee; max = flat fee [ "MS", "MINP", 0.00, 0.00, 50.000, 0.00], // Minimum Premium [ "MS", "MTG1", 0.00, 100000.00, 3.000, 0.00], // Mortgagee Level 1 [ "MS", "MTG2", 100000.01, 1000000.00, 2.500, 0.00], // Mortgagee Level 2 [ "MS", "MTG3", 1000000.01, 10000000.00, 1.500, 0.00], // Mortgagee Level 3 [ "MS", "MTG4", 10000000.01, 999999999.99, 1.250, 0.00], // Mortgagee Level 4 [ "MS", "OWN1", 0.00, 100000.00, 4.000, 0.00], // Owner Level 1 [ "MS", "OWN2", 100000.01, 1000000.00, 3.000, 0.00], // Owner Level 2 [ "MS", "OWN3", 1000000.01, 10000000.00, 2.000, 0.00], // Owner Level 3 [ "MS", "OWN4", 10000000.01, 999999999.99, 1.500, 0.00], // Owner Level 4 [ "MS", "REFI", 0.00, 15.00, 50.000, 0.00], // Refinance [ "MS", "REIS", 0.00, 10.00, 60.000, 0.00], // Reissue [ "MS", "SIOM", 0.00, 0.00, 25.000, 0.00], // Simultaneous Issue; flat rate [ "MS", "TCON", 0.00, 0.00, 1.000, 0.00], // Temporary Construction [ "NE", "MINP", 0.00, 0.00, 100.000, 0.00], // Minimum Premium Amount [ "NE", "MOL1", 0.00, 20000.00, 100.000, 0.00], // Mortgagee/Owner Level 1 [ "NE", "MOL2", 20000.01, 50000.00, 3.500, 0.00], // Mortgagee/Owner Level 2 [ "NE", "MOL3", 50000.01, 100000.00, 3.000, 0.00], // Mortgagee/Owner Level 3 [ "NE", "MOL4", 100000.01, 1000000.00, 2.000, 0.00], // Mortgagee/Owner Level 4 [ "NE", "MOL5", 1000000.01, 5000000.00, 1.500, 0.00], // Mortgagee/Owner Level 5 [ "NE", "MOL6", 5000000.01, 10000000.00, 1.200, 0.00], // Mortgagee/Owner Level 6 [ "NE", "MOL7", 10000000.01, 999999999.99, 1.000, 0.00], // Mortgagee/Owner Level 7 [ "NE", "REFI", 0.00, 5.00, 70.000, 0.00], // Refinance [ "NE", "SIOM", 0.00, 0.00, 50.000, 0.00], // Simultaneous Issue; flat rate [ "NE1", "MINP", 0.00, 0.00, 100.000, 0.00], // Minimum Premium Amount [ "NE1", "MOL1", 0.00, 5000.00, 100.000, 0.00], // Mortgagee/Owner Level 1 [ "NE1", "MOL2", 5000.01, 50000.00, 3.500, 0.00], // Mortgagee/Owner Level 2 [ "NE1", "MOL3", 50000.01, 100000.00, 3.000, 0.00], // Mortgagee/Owner Level 3 [ "NE1", "MOL4", 100000.01, 1000000.00, 2.000, 0.00], // Mortgagee/Owner Level 4 [ "NE1", "MOL5", 1000000.01, 50000000.00, 1.500, 0.00], // Mortgagee/Owner Level 5 [ "NE1", "MOL6", 5000000.01, 10000000.00, 1.200, 0.00], // Mortgagee/Owner Level 6 [ "NE1", "MOL7", 10000000.01, 999999999.99, 1.000, 0.00], // Mortgagee/Owner Level 7 [ "NE1", "REFI", 0.00, 5.00, 70.000, 0.00], // Refinance [ "NE1", "SIOM", 0.00, 0.00, 50.000, 0.00], // Simultaneous Issue; flat rate [ "NJ", "CEIL", 0.00, 0.00, 10.000, 0.00], // Reissue age ceiling in years [ "NJ", "MINP", 0.00, 0.00, 200.000, 0.00], // Minimum Premium Amount [ "NJ", "MOL1", 0.00, 100000.00, 5.250, 0.00], // Mortgagee/Owner Level 1 [ "NJ", "MOL2", 100000.01, 500000.00, 4.000, 0.00], // Mortgagee/Owner Level 2 [ "NJ", "MOL3", 500000.01, 2000000.00, 2.750, 0.00], // Mortgagee/Owner Level 3 [ "NJ", "MOL4", 2000000.01, 999999999.99, 2.250, 0.00], // Mortgagee/Owner Level 4 [ "NJ", "REF1", 0.00, 100000.00, 2.500, 10.00], // Refi Level 1; addition = prior age threshold [ "NJ", "REF2", 100000.01, 500000.00, 2.250, 0.00], // Refi Level 2 [ "NJ", "REF3", 500000.01, 2000000.00, 2.000, 0.00], // Refi Level 3 [ "NJ", "REF4", 2000000.01, 999999999.99, 1.500, 0.00], // Refi Level 4 [ "NJ", "REI1", 0.00, 100000.00, 4.250, 0.00], // Reis Level 1 [ "NJ", "REI2", 100000.01, 500000.00, 3.250, 0.00], // Reis Level 2 [ "NJ", "REI3", 500000.01, 2000000.00, 2.250, 0.00], // Reis Level 3 [ "NJ", "REI4", 2000000.01, 999999999.99, 2.000, 0.00], // Reis Level 4 [ "NJ", "SIOM", 0.00, 0.00, 25.000, 0.00], // Simultaneous Issue; flat rate [ "NJ", "TCON", 0.00, 0.00, 1.000, 0.00], // Temp Construction [ "NY1", "MINP", 0.00, 0.00, 302.600, 299.00], // Rate = O minimum Prem; Additional = M Min Prem [ "NY1", "MTG1", 0.00, 35000.00, 299.00, 0.00], // Mortgagee Level 1 [ "NY1", "MTG2", 35000.01, 50000.00, 6.610, 0.00], // Mortgagee Level 2 [ "NY1", "MTG3", 50000.01, 100000.00, 4.100, 0.00], // Mortgagee Level 3 [ "NY1", "MTG4", 100000.01, 500000.00, 3.310, 0.00], // Mortgagee Level 4 [ "NY1", "MTG5", 500000.01, 1000000.00, 2.960, 0.00], // Mortgagee Level 5 [ "NY1", "MTG6", 1000000.01, 5000000.00, 2.710, 0.00], // Mortgagee Level 6 [ "NY1", "MTG7", 5000000.01, 10000000.00, 2.470, 0.00], // Mortgagee Level 7 [ "NY1", "MTG8", 10000000.01, 15000000.00, 2.310, 0.00], // Mortgagee Level 8 [ "NY1", "MTG9", 15000000.01, 999999999.99, 2.070, 0.00], // Mortgagee Level 9 [ "NY1", "OWN1", 0.00, 35000.00, 302.60, 0.00], // Owner Level 1 [ "NY1", "OWN2", 35000.01, 50000.00, 6.730, 0.00], // Owner Level 2 [ "NY1", "OWN3", 50000.01, 100000.00, 4.200, 0.00], // Owner Level 3 [ "NY1", "OWN4", 100000.01, 500000.00, 3.380, 0.00], // Owner Level 4 [ "NY1", "OWN5", 500000.01, 1000000.00, 3.030, 0.00], // Owner Level 5 [ "NY1", "OWN6", 1000000.01, 5000000.00, 3.250, 0.00], // Owner Level 6 [ "NY1", "OWN7", 5000000.01, 10000000.00, 2.960, 0.00], // Owner Level 7 [ "NY1", "OWN8", 10000000.01, 15000000.00, 2.760, 0.00], // Owner Level 8 [ "NY1", "OWN9", 15000000.01, 999999999.99, 2.480, 0.00], // Owner Level 9 [ "NY1", "REFI", 0.00, 475000.00, 0.000, 0.00], // Refinance cvg ceiling for rate break [ "NY1", "REFx", 0.00, 10.00, 50.000, 0.00], // Refinance <= REFI cvg [ "NY1", "REFy", 0.00, 10.00, 70.000, 0.00], // Refinance > REFI cvg [ "NY1", "SIOM", 0.00, 0.00, 30.000, 0.00], // simul rate [ "NY2", "MINP", 0.00, 0.00, 341.700, 344.00], // Rate = O minimum Prem; Additional = M Min Prem [ "NY2", "MTG1", 0.00, 35000.00, 344.00, 0.00], // Mortgagee Level 1 [ "NY2", "MTG2", 35000.01, 50000.00, 5.550, 0.00], // Mortgagee Level 2 [ "NY2", "MTG3", 50000.01, 100000.00, 4.540, 0.00], // Mortgagee Level 3 [ "NY2", "MTG4", 100000.01, 500000.00, 3.640, 0.00], // Mortgagee Level 4 [ "NY2", "MTG5", 500000.01, 1000000.00, 3.310, 0.00], // Mortgagee Level 5 [ "NY2", "MTG6", 1000000.01, 5000000.00, 3.050, 0.00], // Mortgagee Level 6 [ "NY2", "MTG7", 5000000.01, 10000000.00, 2.710, 0.00], // Mortgagee Level 7 [ "NY2", "MTG8", 10000000.01, 15000000.00, 2.550, 0.00], // Mortgagee Level 8 [ "NY2", "MTG9", 15000000.01, 999999999.99, 2.310, 0.00], // Mortgagee Level 9 [ "NY2", "OWN1", 0.00, 35000.00, 341.70, 0.00], // Owner Level 1 [ "NY2", "OWN2", 35000.01, 50000.00, 5.670, 0.00], // Owner Level 2 [ "NY2", "OWN3", 50000.01, 100000.00, 4.620, 0.00], // Owner Level 3 [ "NY2", "OWN4", 100000.01, 500000.00, 3.710, 0.00], // Owner Level 4 [ "NY2", "OWN5", 500000.01, 1000000.00, 3.380, 0.00], // Owner Level 5 [ "NY2", "OWN6", 1000000.01, 5000000.00, 3.660, 0.00], // Owner Level 6 [ "NY2", "OWN7", 5000000.01, 10000000.00, 3.250, 0.00], // Owner Level 7 [ "NY2", "OWN8", 10000000.01, 15000000.00, 3.070, 0.00], // Owner Level 8 [ "NY2", "OWN9", 15000000.01, 999999999.99, 2.760, 0.00], // Owner Level 9 [ "NY2", "REFI", 0.00, 475000.00, 0.000, 0.00], // Refinance cvg ceiling for rate break [ "NY2", "REFx", 0.00, 10.00, 50.000, 0.00], // Refinance <= REFI cvg [ "NY2", "REFy", 0.00, 10.00, 70.000, 0.00], // Refinance > REFI cvg [ "NY2", "SIOM", 0.00, 0.00, 30.000, 0.00], // simul rate [ "NC", "CHOU", 0.00, 0.00, 0.750, 0.00], // Community Housing Rate [ "NC", "CMER", 0.00, 0.00, 0.750, 0.00], // Commercial Rate [ "NC", "EZRE", 0.00, 0.00, 1.000, 0.00], // EZ refi Rate [ "NC", "ICL1", 0.00, 100000.00, 0.500, 0.00], // ICL Level 1 [ "NC", "ICL2", 100000.01, 500000.00, 0.100, 0.00], // ICL Level 2 [ "NC", "MINP", 0.00, 0.00, 50.000, 0.00], // Minimum Premium Amount [ "NC", "MOL1", 0.00, 100000.00, 2.000, 0.00], // Mortgagee/Owner Level 1 [ "NC", "MOL2", 100000.01, 500000.00, 1.500, 0.00], // Mortgagee/Owner Level 2 [ "NC", "MOL3", 500000.01, 2000000.00, 1.000, 0.00], // Mortgagee/Owner Level 3 [ "NC", "MOL4", 2000000.01, 7000000.00, 0.750, 0.00], // Mortgagee/Owner Level 4 [ "NC", "MOL5", 7000000.01, 999999999.99, 0.500, 0.00], // Mortgagee/Owner Level 5 [ "NC", "REFI", 0.00, 15.00, 30.000, 0.00], // Refinance [ "NC", "REFI", 16.00, 20.00, 50.000, 0.00], // Refinance [ "NC", "REIS", 0.00, 15.00, 50.000, 0.00], // Re-Issue Rate, wmc, 06/05/2007, was 0, 5, 40%. Changed to new rule: within 15 years, 50% of "regular rate". [ "NC", "REIS", 16.00, 9999.00, 100.000, 0.00], // Re-issue, wmc, 06/05/2007, was 6, 20, 50%. Changed to 100% of regular rate if older than 15 years, but let them think it's still a "reissue", per Eva. [ "NC", "SDSA", 0.00, 0.00, 0.750, 0.00], // Subdivider/Developer Sales [ "NC", "TCON", 0.00, 0.00, 0.250, 0.00], // Temporary Construction [ "OH", "MINP", 0.00, 0.00, 175.000, 125.00], // Minimum Premium; owner, additional - mtgee [ "OH", "MTG1", 0.00, 150000.00, 4.000, 0.00], // Mortgagee Level 1 [ "OH", "MTG2", 150000.01, 250000.00, 3.250, 0.00], // Mortgagee Level 2 [ "OH", "MTG3", 250000.01, 500000.00, 2.500, 0.00], // Mortgagee Level 3 [ "OH", "MTG4", 500000.01, 10000000.00, 2.250, 0.00], // Mortgagee Level 4 [ "OH", "MTG5", 10000000.01, 999999999.99, 2.000, 0.00], // Mortgagee Level 5 [ "OH", "OWN1", 0.00, 150000.00, 5.750, 0.00], // Owner Level 1 [ "OH", "OWN2", 150000.01, 250000.00, 4.500, 0.00], // Owner Level 2 [ "OH", "OWN3", 250000.01, 500000.00, 3.500, 0.00], // Owner Level 3 [ "OH", "OWN4", 500000.01, 10000000.00, 2.750, 0.00], // Owner Level 4 [ "OH", "OWN5", 10000000.01, 999999999.99, 2.250, 0.00], // Owner Level 5 [ "OH", "REFI", 0.00, 10.00, 70.000, 0.00], // Refinance [ "OH", "REIS", 0.00, 10.00, 70.000, 0.00], // Reissue [ "OH", "SIOM", 0.00, 0.00, 100.000, 0.00], // Simultaneous Issue; flat rate [ "OH", "TCN1", 0.00, 500000.00, 2.500, 0.00], // Temporary Construction - level 1 [ "OH", "TCN2", 500000.01, 999999999.99, 1.500, 0.00], // Temporary Construction - level 2 [ "PA", "MINP", 0.00, 0.00, 125.000, 0.00], // Minimum Premium [ "PA", "MOL1", 0.00, 30000.00, 125.000, 0.00], // Mortgagee/Owner Level 1 [ "PA", "MOL2", 30000.01, 100000.00, 3.250, 0.00], // Mortgagee/Owner Level 2 [ "PA", "MOL3", 100000.01, 500000.00, 2.750, 0.00], // Mortgagee/Owner Level 3 [ "PA", "MOL4", 500000.01, 1000000.00, 2.500, 0.00], // Mortgagee/Owner Level 4 [ "PA", "MOL5", 1000000.01, 2000000.00, 2.250, 0.00], // Mortgagee/Owner Level 5 [ "PA", "MOL6", 2000000.01, 7000000.00, 2.000, 0.00], // Mortgagee/Owner Level 6 [ "PA", "MOL7", 7000000.01, 999999999.99, 1.500, 0.00], // Mortgagee/Owner Level 7 [ "PA", "REFI", 0.00, 5.00, 60.000, 0.00], // Refinance [ "PA", "REIS", 0.00, 10.00, 70.000, 0.00], // Reissue [ "PAC", "MINP", 0.00, 0.00, 420.000, 0.00], // Minimum Premium [ "PAC", "MOL1", 0.00, 30000.00, 420.000, 0.00], // Mortgagee/Owner Level 1 [ "PAC", "MOL2", 30000.01, 45000.00, 7.250, 0.00], // Mortgagee/Owner Level 2 [ "PAC", "MOL3", 45000.01, 100000.00, 6.000, 0.00], // Mortgagee/Owner Level 3 [ "PAC", "MOL4", 100000.01, 500000.00, 5.000, 0.00], // Mortgagee/Owner Level 4 [ "PAC", "MOL5", 500000.01, 1000000.00, 3.750, 0.00], // Mortgagee/Owner Level 5 [ "PAC", "MOL6", 1000000.01, 2000000.00, 2.750, 0.00], // Mortgagee/Owner Level 6 [ "PAC", "MOL7", 2000000.01, 7000000.00, 2.000, 0.00], // Mortgagee/Owner Level 7 [ "PAC", "MOL8", 7000000.01, 999999999.99, 1.500, 0.00], // Mortgagee/Owner Level 8 [ "PAC", "REF1", 0.00, 3.00, 80.000, 0.00], // Refinance - Level 1 (% rate) [ "PAC", "REF2", 0.00, 2000000.00, 90.000, 10.00], // Refinance - Level 2 (% rate) [ "PAC", "REF3", 2000000.01, 7000000.00, 2.000, 0.00], // Refinance - Level 3 (k rate) [ "PAC", "REF4", 7000000.01, 999999999.99, 1.500, 0.00], // Refinance - Level 4 (k rate) [ "PAC", "REI1", 0.00, 2000000.00, 90.000, 10.00], // Reissue - Level 1 (% rate) [ "PAC", "REI2", 2000000.01, 7000000.00, 2.000, 0.00], // Reissue - Level 2 (k Rate) [ "PAC", "REI3", 7000000.01, 999999999.99, 1.500, 0.00], // Reissue - Level 3 (k Rate) [ "SC", "HOME", 0.00, 0.00, 120.000, 0.00], // ALTA Homeowners; rate = % [ "SC", "MINP", 0.00, 0.00, 75.000, 0.00], // Minimum Premium [ "SC", "MOL1", 0.00, 50000.00, 3.000, 0.00], // Mortgagee/Owner - Level 1 [ "SC", "MOL2", 50000.01, 100000.00, 2.500, 0.00], // Mortgagee/Owner - Level 2 [ "SC", "MOL3", 100000.01, 500000.00, 1.750, 0.00], // Mortgagee/Owner - Level 3 [ "SC", "MOL4", 500000.01, 5000000.00, 1.500, 0.00], // Mortgagee/Owner - Level 4 [ "SC", "MOL5", 5000000.01, 999999999.99, 1.000, 0.00], // Mortgagee/Owner - Level 5 [ "SC", "REFI", 0.00, 10.00, 50.000, 0.00], // Refinance [ "SC", "REIS", 0.00, 10.00, 50.000, 0.00], // Reissue [ "SC", "SIOM", 0.00, 0.00, 75.000, 0.00], // Simult. Issue - Owner-Mtgee [ "SC", "TCON", 0.00, 0.00, 1.000, 0.00], // Temporary Construction [ "TN", "BCOF", 0.00, 0.00, 20.000, 0.00], // Binder/Commitment Fee [ "TN", "MINP", 0.00, 0.00, 35.000, 30.00], // Minimum Premium (Owner = Rate, Mortgagee = Additional) [ "TN", "MTG1", 0.00, 50000.00, 2.500, 0.00], // Mortgagee Level 1 [ "TN", "MTG2", 50000.01, 100000.00, 2.000, 0.00], // Mortgagee Level 2 [ "TN", "MTG3", 100000.01, 500000.00, 1.750, 0.00], // Mortgagee Level 3 [ "TN", "MTG4", 500000.01, 1000000.00, 1.500, 0.00], // Mortgagee Level 4 [ "TN", "MTG5", 1000000.01, 15000000.00, 1.250, 0.00], // Mortgagee Level 5 [ "TN", "MTG6", 15000000.01, 999999999.99, 1.000, 0.00], // Mortgagee Level 5 [ "TN", "OWN1", 0.00, 50000.00, 3.500, 0.00], // Owner Level 1 [ "TN", "OWN2", 50000.01, 100000.00, 3.000, 0.00], // Owner Level 2 [ "TN", "OWN3", 100000.01, 1000000.00, 2.000, 0.00], // Owner Level 3 [ "TN", "OWN4", 1000000.01, 10000000.00, 1.500, 0.00], // Owner Level 4 [ "TN", "OWN5", 10000000.01, 15000000.00, 1.250, 0.00], // Owner Level 5 [ "TN", "OWN6", 15000000.01, 999999999.99, 1.000, 0.00], // Owner Level 6 [ "TN", "REIS", 0.00, 10.00, 60.000, 0.00], // Reissue Rate [ "TN", "SIOM", 0.00, 0.00, 30.000, 0.00], // Simultaneous Issue/Owner-Mtgee [ "TN", "SURE", 0.00, 3.00, 50.000, 30.00], // Substitution-Refinance [ "TN", "SURE", 4.00, 4.00, 50.000, 0.00], // Substitution-Refinance [ "TN", "SURE", 5.00, 5.00, 50.000, 0.00], // Substitution-Refinance [ "TN", "SURE", 6.00, 6.00, 60.000, 0.00], // Substitution-Refinance [ "TN", "SURE", 7.00, 7.00, 70.000, 0.00], // Substitution-Refinance [ "TN", "SURE", 8.00, 8.00, 80.000, 0.00], // Substitution-Refinance [ "TN", "SURE", 9.00, 999999999.99, 100.000, 0.00], // Substitution-Refinance [ "TN", "TCON", 0.00, 0.00, 50.000, 0.00], // Constr. Loan Binder [ "TND", "MINP", 0.00, 0.00, 100.000, 0.00], // Minimum Premium [ "TND", "MOL1", 0.00, 1000.00, 100.000, 0.00], // Mortgagee/Owner Level 1 [ "TND", "MOL2", 1000.01, 100000.00, 5.000, 0.00], // Mortgagee/Owner Level 2 [ "TND", "MOL3", 100000.01, 500000.00, 4.000, 0.00], // Mortgagee/Owner Level 3 [ "TND", "MOL4", 500000.01, 1000000.00, 3.000, 0.00], // Mortgagee/Owner Level 4 [ "TND", "MOL5", 1000000.01, 5000000.00, 2.000, 0.00], // Mortgagee/Owner Level 5 [ "TND", "MOL6", 5000000.01, 10000000.00, 1.500, 0.00], // Mortgagee/Owner Level 6 [ "TND", "MOL7", 10000000.01, 15000000.00, 1.250, 0.00], // Mortgagee/Owner Level 7 [ "TND", "MOL8", 15000000.01, 999999999.99, 1.000, 0.00], // Mortgagee/Owner Level 8 [ "TND", "REIS", 0.00, 10.00, 70.000, 0.00], // Reissue Rate [ "TND", "SIOM", 0.00, 0.00, 35.000, 0.00], // Simultaneous Issue/Owner-Mtgee [ "TND", "SURE", 0.00, 3.00, 50.000, 50.00], // Substitution-Refinance [ "TND", "SURE", 4.00, 4.00, 50.000, 0.00], // Substitution-Refinance [ "TND", "SURE", 5.00, 5.00, 50.000, 0.00], // Substitution-Refinance [ "TND", "SURE", 6.00, 6.00, 60.000, 0.00], // Substitution-Refinance [ "TND", "SURE", 7.00, 7.00, 70.000, 0.00], // Substitution-Refinance [ "TND", "SURE", 8.00, 8.00, 80.000, 0.00], // Substitution-Refinance [ "TND", "SURE", 9.00, 999999999.99, 100.000, 0.00], // Substitution-Refinance [ "TND", "TCB1", 0.00, 1000.00, 100.000, 0.00], // Constr. Loan Binder - Level 1 [ "TND", "TCB2", 1000.01, 100000.00, 2.000, 0.00], // Constr. Loan Binder - Level 2 [ "TND", "TCB3", 100000.01, 999999999.99, 1.500, 0.00], // Constr. Loan Binder - Level 3 [ "TNH", "MINP", 0.00, 0.00, 50.000, 0.00], // Minimum Premium [ "TNH", "MTG1", 0.00, 6000.00, 75.000, 0.00], // Mortgagee Level 1 [ "TNH", "MTG2", 6000.01, 100000.00, 5.000, 0.00], // Mortgagee Level 2 [ "TNH", "MTG3", 100000.01, 1000000.00, 2.500, 0.00], // Mortgagee Level 3 [ "TNH", "MTG4", 1000000.01, 5000000.00, 2.000, 0.00], // Mortgagee Level 4 [ "TNH", "MTG5", 5000000.01, 10000000.00, 1.500, 0.00], // Mortgagee Level 5 [ "TNH", "MTG6", 10000000.01, 15000000.00, 1.250, 0.00], // Mortgagee Level 6 [ "TNH", "MTG7", 15000000.01, 999999999.99, 1.000, 0.00], // Mortgagee Level 7 [ "TNH", "OWN1", 0.00, 10000.00, 100.000, 0.00], // Owner Level 1 [ "TNH", "OWN2", 10000.01, 100000.00, 6.000, 0.00], // Owner Level 2 [ "TNH", "OWN3", 100000.01, 1000000.00, 2.500, 0.00], // Owner Level 3 [ "TNH", "OWN4", 1000000.01, 5000000.00, 2.000, 0.00], // Owner Level 4 [ "TNH", "OWN5", 5000000.01, 10000000.00, 1.500, 0.00], // Owner Level 5 [ "TNH", "OWN6", 10000000.01, 15000000.00, 1.250, 0.00], // Owner Level 6 [ "TNH", "OWN7", 15000000.01, 999999999.99, 1.000, 0.00], // Owner Level 7 [ "TNH", "REIS", 0.00, 10.00, 60.000, 0.00], // Reissue Rate [ "TNH", "SIOM", 0.00, 0.00, 35.000, 0.00], // Simultaneous Issue/Owner-Mtgee [ "TNH", "SURE", 0.00, 3.00, 60.000, 50.00], // Substitution-Refinance [ "TNH", "SURE", 4.00, 4.00, 60.000, 0.00], // Substitution-Refinance [ "TNH", "SURE", 5.00, 5.00, 60.000, 0.00], // Substitution-Refinance [ "TNH", "SURE", 6.00, 6.00, 60.000, 0.00], // Substitution-Refinance [ "TNH", "SURE", 7.00, 7.00, 70.000, 0.00], // Substitution-Refinance [ "TNH", "SURE", 8.00, 8.00, 80.000, 0.00], // Substitution-Refinance [ "TNH", "SURE", 9.00, 999999999.00, 100.000, 0.00], // Substitution-Refinance [ "TNH", "TCB1", 0.00, 1000.00, 100.000, 0.00], // Constr. Loan Binder - Level 1 [ "TNH", "TCB2", 1000.01, 100000.00, 2.000, 0.00], // Constr. Loan Binder - Level 2 [ "TNH", "TCB3", 100000.01, 999999999.99, 1.500, 0.00], // Constr. Loan Binder - Level 3 [ "TNK", "BCOF", 0.00, 0.00, 25.000, 0.00], // Binder/Commitment Fee [ "TNK", "MINP", 0.00, 0.00, 75.000, 0.00], // Minimum Premium [ "TNK", "MOL1", 0.00, 1000.00, 75.000, 0.00], // Mortgagee/Owner Level 1 [ "TNK", "MOL2", 1000.01, 100000.00, 5.500, 0.00], // Mortgagee/Owner Level 2 [ "TNK", "MOL3", 100000.01, 1000000.00, 2.500, 0.00], // Mortgagee/Owner Level 3 [ "TNK", "MOL4", 1000000.01, 5000000.00, 1.500, 0.00], // Mortgagee/Owner Level 4 [ "TNK", "MOL5", 5000000.01, 10000000.00, 1.250, 0.00], // Mortgagee/Owner Level 5 [ "TNK", "MOL6", 10000000.01, 999999999.99, 1.000, 0.00], // Mortgagee/Owner Level 6 [ "TNK", "NERE", 2000000.01, 2250000.00, 0.300, 0.00], // Reinsurance - (NE) [ "TNK", "REIS", 0.00, 10.00, 60.000, 0.00], // Reissue Rate [ "TNK", "SIOM", 0.00, 0.00, 30.000, 0.00], // Simultaneous Issue/Owner-Mtgee [ "TNK", "SURE", 0.00, 3.00, 30.000, 30.00], // Substitution-Refinance [ "TNK", "SURE", 4.00, 4.00, 40.000, 0.00], // Substitution-Refinance [ "TNK", "SURE", 5.00, 5.00, 50.000, 0.00], // Substitution-Refinance [ "TNK", "SURE", 6.00, 6.00, 60.000, 0.00], // Substitution-Refinance [ "TNK", "SURE", 7.00, 7.00, 70.000, 0.00], // Substitution-Refinance [ "TNK", "SURE", 8.00, 8.00, 80.000, 0.00], // Substitution-Refinance [ "TNK", "SURE", 9.00, 999999999.00, 100.000, 0.00], // Substitution-Refinance [ "TNK", "TCB1", 0.00, 1000.00, 100.000, 0.00], // Constr. Loan Binder - Level 1 [ "TNK", "TCB2", 1000.01, 100000.00, 2.000, 0.00], // Constr. Loan Binder - Level 2 [ "TNK", "TCB3", 100000.01, 999999999.99, 1.500, 0.00], // Constr. Loan Binder - Level 3 [ "TNS", "MINP", 0.00, 0.00, 50.000, 0.00], // Minimum Premium [ "TNS", "MOL1", 0.00, 1000.00, 50.000, 0.00], // Mortgagee/Owner Level 1 [ "TNS", "MOL2", 1000.01, 100000.00, 3.500, 0.00], // Mortgagee/Owner Level 2 [ "TNS", "MOL3", 100000.01, 1000000.00, 3.000, 0.00], // Mortgagee/Owner Level 3 [ "TNS", "MOL4", 1000000.01, 999999999.99, 1.000, 0.00], // Mortgagee/Owner Level 4 [ "TNS", "REIS", 0.00, 10.00, 60.000, 0.00], // Reissue Rate [ "TNS", "SIOM", 0.00, 0.00, 35.000, 0.00], // Simultaneous Issue/Owner-Mtgee [ "TNS", "SURE", 0.00, 3.00, 30.000, 30.00], // Substitution-Refinance [ "TNS", "SURE", 4.00, 4.00, 40.000, 0.00], // Substitution-Refinance [ "TNS", "SURE", 5.00, 5.00, 50.000, 0.00], // Substitution-Refinance [ "TNS", "SURE", 6.00, 6.00, 60.000, 0.00], // Substitution-Refinance [ "TNS", "SURE", 7.00, 7.00, 70.000, 0.00], // Substitution-Refinance [ "TNS", "SURE", 8.00, 8.00, 80.000, 0.00], // Substitution-Refinance [ "TNS", "SURE", 9.00, 999999999.00, 100.000, 0.00], // Substitution-Refinance [ "TNS", "TCON", 0.00, 0.00, 50.000, 0.00], // Constr. Loan Binder [ "V1", "MINP", 0.00, 0.00, 75.000, 0.00], // Minimum Premium Amount [ "V1", "MTG1", 0.00, 100000.00, 2.500, 0.00], // Mortgagee Level 1 [ "V1", "MTG2", 100000.01, 500000.00, 2.000, 0.00], // Mortgagee Level 2 [ "V1", "MTG3", 500000.01, 10000000.00, 1.750, 0.00], // Mortgagee Level 3 [ "V1", "MTG4", 10000000.01, 15000000.00, 1.500, 0.00], // Mortgagee Level 4 [ "V1", "MTG5", 15000000.01, 999999999.99, 1.250, 0.00], // Mortgagee Level 5 [ "V1", "OWN1", 0.00, 100000.00, 3.500, 0.00], // Owner Level 1 [ "V1", "OWN2", 100000.01, 5000000.00, 3.000, 0.00], // Owner Level 2 [ "V1", "OWN3", 5000000.01, 10000000.00, 2.000, 0.00], // Owner Level 3 [ "V1", "OWN4", 10000000.01, 15000000.00, 1.750, 0.00], // Owner Level 4 [ "V1", "OWN5", 15000000.01, 999999999.99, 1.500, 0.00], // Owner Level 5 [ "V1", "REIS", 0.00, 5.00, 60.000, 0.00], // Re-Issue Rate [ "V1", "REIS", 6.00, 10.00, 75.000, 0.00], // Re-Issue [ "V1", "SIOM", 0.00, 50.00, 50.000, 0.00], // Simultaneous Issue; note max and rate value for different uses [ "V1", "TCON", 0.00, 0.00, 1.000, 0.00], // Temporary Construction [ "V2", "MINP", 0.00, 0.00, 85.000, 0.00], // Minimum Premium [ "V2", "MTG1", 0.00, 150000.00, 2.750, 0.00], // Mortgagee Level 1 [ "V2", "MTG2", 150000.01, 500000.00, 2.250, 0.00], // Mortgagee Level 2 [ "V2", "MTG3", 500000.01, 1000000.00, 2.000, 0.00], // Mortgagee Level 3 [ "V2", "MTG4", 1000000.01, 10000000.00, 1.750, 0.00], // Mortgagee Level 4 [ "V2", "MTG5", 10000000.01, 15000000.00, 1.500, 0.00], // Mortgagee Level 5 [ "V2", "MTG6", 15000000.01, 999999999.99, 1.250, 0.00], // Mortgagee Level 6 [ "V2", "OWN1", 0.00, 150000.00, 3.750, 0.00], // Owner Level 1 [ "V2", "OWN2", 150000.01, 1000000.00, 3.250, 0.00], // Owner Level 2 [ "V2", "OWN3", 1000000.01, 5000000.00, 2.750, 0.00], // Owner Level 3 [ "V2", "OWN4", 5000000.01, 10000000.00, 2.000, 0.00], // Owner Level 4 [ "V2", "OWN5", 10000000.01, 15000000.00, 1.750, 0.00], // Owner Level 5 [ "V2", "OWN6", 15000000.01, 999999999.99, 1.500, 0.00], // Owner Level 6 [ "V2", "REIS", 0.00, 10.00, 60.000, 0.00], // Reissue Rate [ "V2", "SIOM", 0.00, 50.00, 50.000, 0.00], // Simultaneous Issue; note max and rate values for different uses [ "V2", "TCON", 0.00, 0.00, 1.000, 0.00], // Temporary Construction [ "V3", "MINP", 0.00, 0.00, 85.000, 0.00], // Mininum Premium [ "V3", "MTG1", 0.00, 100000.00, 2.900, 0.00], // Mortgagee Level 1 [ "V3", "MTG2", 100000.01, 500000.00, 2.400, 0.00], // Mortgagee Level 2 [ "V3", "MTG3", 500000.01, 10000000.00, 2.000, 0.00], // Mortgagee Level 3 [ "V3", "MTG4", 10000000.01, 15000000.00, 1.500, 0.00], // Mortgagee Level 4 [ "V3", "MTG5", 15000000.01, 99999999.99, 1.250, 0.00], // Mortgagee Level 5 [ "V3", "OWN1", 0.00, 100000.00, 3.900, 0.00], // Owner Level 1 [ "V3", "OWN2", 100000.01, 500000.00, 3.400, 0.00], // Owner Level 2 [ "V3", "OWN3", 500000.01, 10000000.00, 3.000, 0.00], // Owner Level 3 [ "V3", "OWN4", 10000000.01, 15000000.00, 2.000, 0.00], // Owner Level 4 [ "V3", "OWN5", 15000000.01, 999999999.99, 1.500, 0.00], // Owner Level 5 [ "V3", "REIS", 0.00, 10.00, 70.000, 0.00], // Reissue [ "V3", "SIOM", 0.00, 50.00, 50.000, 0.00], // Simultaneous Issue; note max and rate value for different uses [ "V3", "TCON", 0.00, 0.00, 1.000, 0.00], // Temporary Construction [ "WI", "AL31", 200.00, 0.00, 0.500, 0.00], // Alta 3.1 Endorsement [ "WI", "ALT2", 25.00, 500.00, 10.000, 0.00], // Alta 2 Endorsement [ "WI", "ALT3", 200.00, 0.00, 0.500, 0.00], // Alta 3 Endorsement [ "WI", "ALT9", 0.00, 100.00, 0.000, 0.00], // Alta 9 Endorsement [ "WI", "ASLP", 60.00, 100.00, 0.000, 0.00], // Assignee Loan Pol.Endorsement [ "WI", "BALL", 0.00, 0.00, 60.000, 0.00], // Balloon Mortgage Endorsement [ "WI", "CCAN", 0.00, 0.00, 25.000, 0.00], // Commitment/Cancellation Fee [ "WI", "CRRE", 2250000.01, 999999999.99, 0.300, 0.00], // Reinsurance - (CR) [ "WI", "GRNT", 50.00, 125.00, 30.000, 0.00], // Grantor/Grantee/Mortgagee Min [ "WI", "LOCE", 0.00, 50.00, 0.000, 0.00], // Location Endorsement [ "WI", "MHP1", 0.00, 50000.00, 100.000, 0.00], // MHELP Policy [ "WI", "MINP", 0.00, 0.00, 150.000, 0.00], // Minimum Premium [ "WI", "MOM1", 0.00, 10000.00, 150.000, 0.00], // Mortgagee/Lender MIN Level 1 [ "WI", "MOM2", 10000.01, 50000.00, 4.000, 0.00], // Mortgagee/Lender MIN Level 2 [ "WI", "MOM3", 50000.01, 100000.00, 2.500, 0.00], // Mortgagee/Lender MIN Level 3 [ "WI", "MOM4", 100000.01, 500000.00, 2.000, 0.00], // Mortgagee/Lender MIN Level 4 [ "WI", "MOM5", 500000.01, 1000000.00, 1.500, 0.00], // Mortgagee/Lender MIN Level 5 [ "WI", "MOM6", 1000000.01, 5000000.00, 1.000, 0.00], // Mortgagee/Lender MIN Level 6 [ "WI", "MOM7", 5000000.01, 10000000.00, 0.750, 0.00], // Mortgagee/Lender MIN Level 7 [ "WI", "MOM8", 10000000.01, 999999999.99, 0.500, 0.00], // Mortgagee/Lender MIN Level 8 [ "WI", "MOX1", 0.00, 10000.00, 275.000, 0.00], // Mortgagee/Lender MAX Level 1 [ "WI", "MOX2", 10000.01, 50000.00, 5.500, 0.00], // Mortgagee/Lender MAX Level 2 [ "WI", "MOX3", 50000.01, 100000.00, 5.000, 0.00], // Mortgagee/Lender MAX Level 3 [ "WI", "MOX4", 100000.01, 500000.00, 4.500, 0.00], // Mortgagee/Lender MAX Level 4 [ "WI", "MOX5", 500000.01, 1000000.00, 4.000, 0.00], // Mortgagee/Lender MAX Level 5 [ "WI", "MOX6", 1000000.01, 2000000.00, 3.000, 0.00], // Mortgagee/Lender MAX Level 6 [ "WI", "MOX7", 2000000.01, 5000000.00, 2.000, 0.00], // Mortgagee/Lender MAX Level 7 [ "WI", "MOX8", 5000000.01, 10000000.00, 1.500, 0.00], // Mortgagee/Lender MAX Level 8 [ "WI", "MOX9", 10000000.01, 999999999.99, 1.000, 0.00], // Mortgagee/Lender MAX Level 9 [ "WI", "NERE", 2000000.01, 2250000.00, 0.300, 0.00], // Reinsurance - (NE) [ "WI", "OMLE", 50.00, 125.00, 30.000, 0.00], // Owner/Mortgagee/Leasehold [ "WI", "PRMP", 60.00, 100.00, 0.000, 0.00], // Partial Release Mtg Prop End. [ "WI", "RECL", 0.00, 100.00, 0.000, 0.00], // Revolving Credit Endorsement [ "WI", "REIM", 0.00, 0.00, 50.000, 0.00], // Reissue - Min Rate [ "WI", "REIX", 0.00, 0.00, 80.000, 0.00], // Reissue Max Rate [ "WI", "REVA", 0.00, 0.00, 60.000, 0.00], // Reverse Annuity Endorsement [ "WI", "RPLM", 60.00, 100.00, 0.000, 0.00], // Release Persnal Liab Mtgr End. [ "WI", "SIOM", 50.00, 125.00, 0.000, 0.00], // Simultaneous Issue [ "WI", "SUBM", 0.00, 5.00, 30.000, 0.00], // Substitution Min Level 1 [ "WI", "SUBM", 6.00, 999999999.00, 50.000, 0.00], // Substitution Min Level 2 [ "WI", "SUBX", 0.00, 999999999.00, 80.000, 0.00], // Substitution Max (one level) [ "WI", "TAKE", 40.00, 150.00, 0.000, 0.00], // Take Off from Owner Master [ "WI", "USRY", 200.00, 0.00, 0.500, 0.00], // Usury Endorsement [ "WI", "VRAT", 60.00, 100.00, 0.000, 0.00], // Variable Rate Endorsement [ "WV", "MINP", 0.00, 0.00, 85.000, 0.00], // Mininum Premium [ "WV", "MTG1", 0.00, 100000.00, 2.900, 0.00], // Mortgagee Level 1 [ "WV", "MTG2", 100000.01, 500000.00, 2.400, 0.00], // Mortgagee Level 2 [ "WV", "MTG3", 500000.01, 5000000.00, 2.000, 0.00], // Mortgagee Level 3 [ "WV", "MTG4", 5000000.01, 999999999.99, 1.750, 0.00], // Mortgagee Level 4 [ "WV", "OWN1", 0.00, 100000.00, 3.900, 0.00], // Owner Level 1 [ "WV", "OWN2", 100000.01, 500000.00, 3.400, 0.00], // Owner Level 2 [ "WV", "OWN3", 500000.01, 5000000.00, 3.000, 0.00], // Owner Level 3 [ "WV", "OWN4", 5000000.01, 999999999.99, 2.750, 0.00], // Owner Level 4 [ "WV", "REIS", 0.00, 5.00, 70.000, 0.00], // Reissue Level 1 [ "WV", "REIS", 6.00, 10.00, 80.000, 0.00], // Reissue Level 2 [ "WV", "SIOM", 0.00, 50.00, 50.000, 0.00], // Simultaneous Issue; note max and rate value for different uses [ "WV", "TCON", 0.00, 0.00, 1.000, 0.00] ] // Temporary Construction // gaMatrix array columns var gnCol_region = 0 var gnCol_code = 1 var gnCol_minlimit = 2 var gnCol_maxlimit = 3 var gnCol_rate = 4 var gnCol_additional = 5 // 09/08/05 ROD added MI1 Limited Residential // init method listbox options into global array for dynamic listbox usage // columns: region text value var gaOption = [["AL", "Regular Owner/Mortgagee", "Regular" ], ["AL", "Re-Issue Owner/Mortgagee", "Reissue" ], ["AL", "Refinance Owner/Mortgagee", "Refinance" ], ["AL", "Mortgagee Temp. Construction and/or Owners", "Temporary"], ["AR", "Regular Owner/Mortgagee", "Regular" ], ["AR", "Re-Issue Owner/Mortgagee", "Reissue" ], ["AR", "Refinance Owner/Mortgagee", "Refinance" ], ["AR", "Mortgagee Temp. Construction and/or Owners", "Temporary"], ["DC", "Regular Owner/Mortgagee", "Regular" ], ["DC", "Re-Issue Owner/Mortgagee", "Reissue" ], ["DC", "Refinance - Mortgagee", "Refinance" ], ["DC", "Mortgagee Temp. Construction and/or Owners", "Temporary"], ["FL", "Original Owner/Mortgagee", "Regular" ], ["FL", "Original Multiple Conveyences", "RegularMultiple" ], ["FL", "Re-Issue Owner/Mortgagee", "Reissue" ], ["FL", "Re-Issue Unimproved", "ReissueUnimproved" ], ["GM", "Regular Owner/Mortgagee", "Regular" ], ["GM", "Re-Issue Owner/Mortgagee", "Reissue" ], ["GM", "Substitution/Refinance", "Refinance" ], ["GM", "Mortgagee Temp. Construction and/or Owners", "Temporary"], ["GS", "Regular Owner/Mortgagee", "Regular" ], ["GS", "Re-Issue Owner/Mortgagee", "Reissue" ], ["GS", "Substitution/Refinance", "Refinance" ], ["GS", "Mortgagee Temp. Construction and/or Owners", "Temporary"], ["IL", "Regular Owner/Mortgagee", "Regular" ], ["IL", "Re-Issue Owner/Mortgagee", "Reissue" ], ["IL", "Refinance Owner/Mortgagee", "Refinance" ], ["IL", "Mortgagee Temp. Construction and/or Owners", "Temporary"], ["IN1", "Regular Owner/Mortgagee", "Regular" ], ["IN1", "Re-Issue Owner/Mortgagee", "Reissue" ], ["IN1", "Refinance Owner/Mortgagee", "Refinance" ], ["IN1", "Mortgagee Temp. Construction and/or Owners", "Temporary"], ["IN2", "Regular Owner/Mortgagee", "Regular" ], ["IN2", "Re-Issue Owner/Mortgagee", "Reissue" ], ["IN2", "Refinance Owner/Mortgagee", "Refinance" ], ["IN2", "Mortgagee Temp. Construction and/or Owners", "Temporary"], ["IN3", "Regular Owner/Mortgagee", "Regular" ], ["IN3", "Re-Issue Owner/Mortgagee", "Reissue" ], ["IN3", "Refinance Owner/Mortgagee", "Refinance" ], ["IN3", "Mortgagee Temp. Construction and/or Owners", "Temporary"], ["KY", "Regular Owner/Mortgagee", "Regular" ], ["KY", "Re-Issue Owner/Mortgagee", "Reissue" ], ["KY", "Refinance Owner/Mortgagee", "Refinance" ], ["KY", "Mortgagee Temp. Construction and/or Owners", "Temporary"], ["LA", "Regular Owner/Mortgagee", "Regular" ], ["LA", "Re-Issue Owner/Mortgagee", "Reissue" ], ["LA", "Refinance Owner/Mortgagee", "Refinance" ], ["LA", "Mortgagee Temp. Construction and/or Owners", "Temporary"], ["MD", "Regular Owner/Mortgagee", "Regular" ], ["MD", "Re-Issue Owner/Mortgagee", "Reissue" ], ["MD", "Refinance Owner/Mortgagee", "Refinance" ], ["MD", "Mortgagee Temp. Construction and/or Owners", "Temporary"], ["MI1", "Basic Owner/Loan w/out SE", "BasicWithoutSE" ], ["MI1", "Basic Owner/Loan with SE", "BasicWithSE" ], ["MI1", "Reissue Owner/Loan w/out SE", "ReissueWithoutSE" ], ["MI1", "Reissue Owner/Loan with SE", "ReissueWithSE" ], ["MI1", "Refinance Loan w/out SE", "RefinanceWithoutSE" ], ["MI1", "Refinance Loan with SE", "RefinanceWithSE" ], ["MI1", "Limited Residential Loan", "LimitedRes" ], ["MI2", "Basic Owner/Loan w/out SE", "BasicWithoutSE" ], ["MI2", "Basic Owner/Loan with SE", "BasicWithSE" ], ["MI2", "Reissue Owner/Loan w/out SE", "ReissueWithoutSE" ], ["MI2", "Reissue Owner/Loan with SE", "ReissueWithSE" ], ["MI2", "Refinance Loan w/out SE", "RefinanceWithoutSE" ], ["MI2", "Refinance Loan with SE", "RefinanceWithSE" ], ["MIK", "Basic Owner/Loan w/out SE", "BasicWithoutSE" ], ["MIK", "Basic Owner/Loan with SE", "BasicWithSE" ], ["MIK", "Reissue Owner/Loan w/out SE", "ReissueWithoutSE" ], ["MIK", "Reissue Owner/Loan with SE", "ReissueWithSE" ], ["MIK", "Refinance Loan w/out SE", "RefinanceWithoutSE" ], ["MIK", "Refinance Loan with SE", "RefinanceWithSE" ], ["MIC", "Basic Owner only or Simul", "Basic" ], ["MIC", "Basic Mortgagee only", "BasicLoan" ], ["MIC", "Reissue Owner only or Simul", "Reissue" ], ["MIC", "Reissue Mortgagee only", "ReissueLoan" ], ["MIC", "Refinance Loan policy", "Refinance" ], ["MI1x", "Basic Owner/Loan w/out SE", "BasicWithoutSE" ], ["MI1x", "Basic Owner/Loan with SE", "BasicWithSE" ], ["MI1x", "Reissue Owner/Loan w/out SE", "ReissueWithoutSE" ], ["MI1x", "Reissue Owner/Loan with SE", "ReissueWithSE" ], ["MI1x", "Refinance Loan w/out SE", "RefinanceWithoutSE" ], ["MI1x", "Refinance Loan with SE", "RefinanceWithSE" ], ["MI2x", "Basic Owner/Loan w/out SE", "BasicWithoutSE" ], ["MI2x", "Basic Owner/Loan with SE", "BasicWithSE" ], ["MI2x", "Reissue Owner/Loan w/out SE", "ReissueWithoutSE" ], ["MI2x", "Reissue Owner/Loan with SE", "ReissueWithSE" ], ["MI2x", "Refinance Loan w/out SE", "RefinanceWithoutSE" ], ["MI2x", "Refinance Loan with SE", "RefinanceWithSE" ], ["MIKx", "Basic Owner/Loan w/out SE", "BasicWithoutSE" ], ["MIKx", "Basic Owner/Loan with SE", "BasicWithSE" ], ["MIKx", "Reissue Owner/Loan w/out SE", "ReissueWithoutSE" ], ["MIKx", "Reissue Owner/Loan with SE", "ReissueWithSE" ], ["MIKx", "Refinance Loan w/out SE", "RefinanceWithoutSE" ], ["MIKx", "Refinance Loan with SE", "RefinanceWithSE" ], ["MI1m", "Basic Owner/Loan w/out SE", "BasicWithoutSE" ], ["MI1m", "Basic Owner/Loan with SE", "BasicWithSE" ], ["MI1m", "Reissue Owner/Loan w/out SE", "ReissueWithoutSE" ], ["MI1m", "Reissue Owner/Loan with SE", "ReissueWithSE" ], ["MI1m", "Refinance Loan w/out SE", "RefinanceWithoutSE" ], ["MI1m", "Refinance Loan with SE", "RefinanceWithSE" ], ["MI2m", "Basic Owner/Loan w/out SE", "BasicWithoutSE" ], ["MI2m", "Basic Owner/Loan with SE", "BasicWithSE" ], ["MI2m", "Reissue Owner/Loan w/out SE", "ReissueWithoutSE" ], ["MI2m", "Reissue Owner/Loan with SE", "ReissueWithSE" ], ["MI2m", "Refinance Loan w/out SE", "RefinanceWithoutSE" ], ["MI2m", "Refinance Loan with SE", "RefinanceWithSE" ], ["MIKm", "Basic Owner/Loan w/out SE", "BasicWithoutSE" ], ["MIKm", "Basic Owner/Loan with SE", "BasicWithSE" ], ["MIKm", "Reissue Owner/Loan w/out SE", "ReissueWithoutSE" ], ["MIKm", "Reissue Owner/Loan with SE", "ReissueWithSE" ], ["MIKm", "Refinance Loan w/out SE", "RefinanceWithoutSE" ], ["MIKm", "Refinance Loan with SE", "RefinanceWithSE" ], ["MO", "Regular Owner/Mortgagee", "Regular" ], ["MO", "Re-Issue Owner/Mortgagee", "Reissue" ], ["MO", "Refinance Owner/Mortgagee", "Refinance" ], ["MN", "Regular Owner/Mortgagee", "Regular" ], ["MN", "Re-Issue Owner/Mortgagee", "Reissue" ], ["MN", "Refinance Owner/Mortgagee", "Refinance" ], ["MS", "Regular Owner/Mortgagee", "Regular" ], ["MS", "Re-Issue Owner/Mortgagee", "Reissue" ], ["MS", "Refinance Owner/Mortgagee", "Refinance" ], ["MS", "Mortgagee Temp. Construction and/or Owners", "Temporary"], ["NE", "Regular Owner/Mortgagee", "Regular" ], ["NE", "Refinance Owner/Mortgagee", "Refinance" ], ["NE1", "Regular Owner/Mortgagee", "Regular" ], ["NE1", "Refinance Owner/Mortgagee", "Refinance" ], ["NJ", "Regular Owner/Mortgagee", "Regular" ], ["NJ", "Re-Issue Owner/Mortgagee", "Reissue" ], ["NJ", "Mortgagee Temp. Construction and/or Owners", "Temporary"], ["NY1", "Regular Owner/Mortgagee", "Regular" ], ["NY1", "Refinance", "Refinance" ], ["NY1", "Construction Loan / Owner", "Temporary" ], ["NY2", "Regular Owner/Mortgagee", "Regular" ], ["NY2", "Refinance", "Refinance" ], ["NY2", "Construction Loan / Owner", "Temporary" ], ["NC", "Regular Owner/Mortgagee", "Regular" ], ["NC", "Re-Issue Owner/Mortgagee", "Reissue" ], ["OH", "Regular Owner/Mortgagee", "Regular" ], ["OH", "Re-Issue Owner/Mortgagee", "Reissue" ], ["OH", "Refinance - Mortgagee only", "Refinance" ], ["PA", "Regular Owner/Mortgagee", "Regular" ], ["PA", "Re-Issue Owner/Mortgagee", "Reissue" ], ["PA", "Refinance Owner/Mortgagee", "Refinance" ], ["PAC", "Regular Owner/Mortgagee", "Regular" ], ["PAC", "Re-Issue Owner/Mortgagee", "Reissue" ], ["PAC", "Refinance Owner/Mortgagee", "Refinance" ], ["SC", "Regular Owner/Mortgagee", "Regular" ], ["SC", "Re-Issue Owner/Mortgagee", "Reissue" ], ["SC", "Refinance Owner/Mortgagee", "Refinance" ], ["SC", "Temporary Construction", "Temporary"], ["SC", "ALTA Homeowner", "AltaHomeowner"], ["TN", "Regular Owner/Mortgagee", "Regular" ], ["TN", "Re-Issue Owner/Mortgagee", "Reissue" ], ["TN", "Substitution-Refinance Owner/Mortgagee", "Refinance"], ["TN", "Construction Binder / TC Rate", "Temporary"], ["TND", "Regular Owner/Mortgagee", "Regular" ], ["TND", "Re-Issue Owner/Mortgagee", "Reissue" ], ["TND", "Substitution-Refinance Owner/Mortgagee", "Refinance"], ["TND", "Construction Binder / TC Rate", "Temporary"], ["TNH", "Regular Owner/Mortgagee", "Regular" ], ["TNH", "Re-Issue Owner/Mortgagee", "Reissue" ], ["TNH", "Substitution-Refinance Owner/Mortgagee", "Refinance"], ["TNH", "Construction Binder / TC Rate", "Temporary"], ["TNK", "Regular Owner/Mortgagee", "Regular" ], ["TNK", "Re-Issue Owner/Mortgagee", "Reissue" ], ["TNK", "Substitution-Refinance Owner/Mortgagee", "Refinance"], ["TNK", "Construction Binder / TC Rate", "Temporary"], ["TNS", "Regular Owner/Mortgagee", "Regular" ], ["TNS", "Re-Issue Owner/Mortgagee", "Reissue"], ["TNS", "Substitution-Refinance Owner/Mortgagee", "Refinance"], ["TNS", "Construction Binder / TC Rate", "Temporary"], ["V1", "Regular Owner/Mortgagee", "Regular" ], ["V1", "Re-Issue Owner/Mortgagee", "Reissue" ], ["V1", "Mortgagee Temp. Construction and/or Owners", "Temporary"], ["V2", "Regular Owner/Mortgagee", "Regular" ], ["V2", "Re-Issue Owner/Mortgagee", "Reissue" ], ["V2", "Mortgagee Temp. Construction and/or Owners", "Temporary"], ["V3", "Regular Owner/Mortgagee", "Regular" ], ["V3", "Re-Issue Owner/Mortgagee", "Reissue" ], ["V3", "Mortgagee Temp. Construction and/or Owners", "Temporary"], ["WV", "Regular Owner/Mortgagee", "Regular" ], ["WV", "Re-Issue Owner/Mortgagee", "Reissue" ], ["WV", "Mortgagee Temp. Construction and/or Owners", "Temporary"] ] /* *% 07/16/03 ROD temporarily remove support for these rate methods until such time they can be revised (or fixed). My target keeps moving... NJ Refinance is beyond insanity -- whomever came up with these original filings had obfuscation and job security in mind. Beats me why ITIC insists on filing poorly structured, hard-to-implement filings such as this one; never could satisfy demand around here with this one, so here it sits. ["NJ", "Refinance Owner/Mortgagee", "Refinance" ], ["OH", "Re-Issue Owner/Mortgagee", "Reissue" ], ["OH", "Refinance - Mortgagee only", "Refinance" ], ["OH", "Mortgagee Temp. Construction and/or Owners", "Temporary"], */ // boolean for testing purposes var glDebug // gaOptions column defs var gnCol_opt_region = 0 var gnCol_opt_text = 1 var gnCol_opt_value = 2 // these memvars for dynamic sizing of methods listbox var gnMaxRegionCount var gnMaxRegionWidth // document form name container var goCalcform // for form element navigtion; last element with focus var gnLastIdentFocus // identify browsers by object support var gbNS4 = document.layers ? true : false var gbNS6 = document.getElementById && !document.all? true : false var gbFF1 = document.getElementById && !document.all? true : false var gbIE4 = document.all && !document.getElementById ? true : false var gbIE5 = document.all && document.getElementById ? true : false var gbIE_browser = gbIE4 || gbIE5 var gbMZ_browser = gbNS6 || gbFF1 // carriage return/line feed pair var gs_crlf = "\r\n"; function window_onload(ADocument) { /* Disable right mouse click; Populate methods listbox */ if (ADocument.layers) ADocument.captureEvents(Event.Click); ADocument.onmousedown=click; // encapsulate the HTML form goCalcform = document.cal // init default method listbox options setOption(goCalcform.region.selectedIndex) } // eofct: window_onload() function click(e) { // use current year for copyright date var now = new Date(); var yearNow = y2k(now.getYear()); var message = "Copyright 2001-" + yearNow + gs_crlf + "Investors Title Insurance Company" + gs_crlf + "All rights reserved." + gs_crlf + gs_crlf + "Created by: Rick Duke and Doug Hitchen"; if (gbIE_browser) { if (event.button == 2) { alert(message); return false; } } if (gbMZ_browser) { if (e.which == 3) { alert(message); return false; } } } // eofct: click() function netscapeMouseClick(e) { return false; } // eofct: netscapeMouseClick() function codes(e) { /* trap keypress */ if (gbNS4) // Netscape Navigator 4.0x { var whichCode = e.which } else { var whichCode = e.keyCode } if (whichCode == 13) // enter key { calc() } } // eofct: codes() function calc() { /* Front door to calc routines */ var nPremium = 0 var nCvg = 0 var nPriorcvg = 0 var nOwnPriorcvg = 0 var nMtgPriorcvg = 0 var nYears = 0 var nMonths = 0 var nDays = 0 var nNew = 0 var nPrior = 0 var nOwnercvg = 0 var nLendercvg = 0 var nOwneramt = 0 var nLenderamt = 0 var nSearchamt = 0 var nRegionamt = 0 var nNewLenderamt = 0 var cRegion, nAmt var nMinprem, nOwnMinprem, nMtgMinprem, nDiscMin var cOldRegion, nPass, nPercent var cCode, cOwnCode, cMtgeCode var x var sPriordate, nDiscamt var bCalc = false var nCeiling = 0 var nIcl = 0 glDebug = false // get the selected state region cRegion = goCalcform.region.options[goCalcform.region.selectedIndex].value // fetch the shared coverage if (!goCalcform.coverage.disabled) { nCvg = goCalcform.coverage.value.replace(" ","") } else { nCvg = 0 } // make the coverge numeric nCvg = StrToNum(nCvg) if (nCvg > 1000000000) { nPremium = 0 nCvg = 0 } // fetch the owner-specific cvg if (!goCalcform.ownercvg.disabled) { nOwnercvg = goCalcform.ownercvg.value.replace(" ","") } else { nOwnercvg = 0 } // make the coverge numeric nOwnercvg = StrToNum(nOwnercvg) if (nOwnercvg > 1000000000) { nPremium = 0 nOwnercvg = 0 } // fetch the lender-specific cvg if (!goCalcform.lendercvg.disabled) { nLendercvg = goCalcform.lendercvg.value.replace(" ","") } else { nLendercvg = 0 } // make the coverge numeric nLendercvg = StrToNum(nLendercvg) if (nLendercvg > 1000000000) { nPremium = 0 nLendercvg = 0 } /* ROD 06/13/02 Note: replacing user-provided entry for age of prior policy (in years) with a date string, from which we'll calculate the prior policy age */ // fetch prior info if (!goCalcform.priorcvg.disabled) { nPriorcvg = goCalcform.priorcvg.value.replace(" ","") // make the priorcvg numeric nPriorcvg = StrToNum(nPriorcvg) } if (!goCalcform.opriorcvg.disabled) { nOwnPriorcvg = goCalcform.opriorcvg.value.replace(" ","") // make the priorcvg numeric nOwnPriorcvg = StrToNum(nOwnPriorcvg) } if (!goCalcform.mpriorcvg.disabled) { nMtgPriorcvg = goCalcform.mpriorcvg.value.replace(" ","") // make the priorcvg numeric nMtgPriorcvg = StrToNum(nMtgPriorcvg) } // nYears = goCalcform.years.value.replace(" ","") sPriordate = goCalcform.priordate.value.replace(" ","") /* ************* // validate age of prior policy if (nYears.indexOf(",") != -1) { nYears = parseInt(nYears.replace(",","")) } if (nYears.indexOf(".") != -1) { // retain only left of decimal nYears = parseInt(nYears.substring(0, nYears.indexOf("."))) goCalcform.years.value = "" + nYears } if (nYears == "") { nYears = 0 } *************************** */ // identify the rate method by its description method = goCalcform.ratemethod.options[goCalcform.ratemethod.selectedIndex].value if ((method != "Reissue" && method != "Refinance" && method != "ReissueWithSE" && method != "ReissueWithoutSE" && method != "RefinanceWithSE" && method != "RefinanceWithoutSE" && method != "ReissueLoan" && method != "ReissueUnimproved") || (cRegion == "MIC" )) { // don't allow prior info usage unless Reissue or Refinance; no prior needed for MIC nPriorcvg = 0.00 nOwnPriorcvg = 0.00 nMtgPriorcvg = 0.00 // nYears = 0 sPriordate = "" } if ((cRegion == "PAC" && (method == "Reissue" || method == "Refinance")) || (cRegion == "MI1" && (method == "RefinanceWithSE" || method == "RefinanceWithoutSE" ))) { // no prior cvg amount used nPriorcvg = 0.00 } if (cRegion == "NJ" && (method == "Reissue")) { // no mtgee prior cvg used here nMtgPriorcvg = 0.00 } if (method == "Reissue" || method == "Refinance" || method == "ReissueWithSE" || method == "ReissueWithoutSE" || method == "RefinanceWithSE" || method == "RefinanceWithoutSE" || method == "ReissueLoan" || method == "ReissueUnimproved") { // validate prior policy date and calc age if (sPriordate != "") { // format and redisp if necessary sPriordate = formatDateString(sPriordate) goCalcform.priordate.value = sPriordate if (!verifyDate(sPriordate)) { alert("Provide a valid Prior Coverage date in format mm/dd/yyyy") goCalcform.priordate.value = "" goCalcform.priordate.focus() return(false) } // gather age in 3 elem array...years, months, days aAge = getAge(sPriordate,5) for (i=0; i < aAge.length ; i++ ) { // init age of prior policy into vars nYears = (i == 0) ? aAge[i] : nYears nMonths = (i == 1) ? aAge[i] : nMonths nDays = (i == 2) ? aAge[i] : nDays } // convert to pseudo-fractional amount if less than year old (eg. 11 mths = 0.11, 25 days = .025) nYears = (nYears == 0) ? nMonths * .01 : nYears nYears = (nYears == 0) ? nDays * .001 : nYears if (nYears >= 1) { // year or more old, force rounding of years up to next whole number whenever months/days present if (nMonths > 0 || nDays > 0) { // force next whole number nYears = Math.ceil(nYears + .1) } } // examine possible prior policy age ceiling nCeiling = GetAgeCeiling(cRegion) if (nCeiling != 0 && cRegion != "NJ") { if (method == "Reissue" && nYears > nCeiling) { alert("Prior policy age exceeds " + nCeiling + " year limit for " + method + ".\r\nUse Regular or Orginal method instead.") goCalcform.priordate.value = "" return(false) } } } // endif (sPriordate != "") } // endif (method == ...) if ( (method == "Temporary" && (cRegion == "SC" || cRegion == "TN" || cRegion == "TND" || cRegion == "TNS" || cRegion == "TNK" || cRegion == "TNH" )) || (method == "RefinanceWithSE" || method == "RefinanceWithoutSE") || (cRegion == "MIC" && (method == "ReissueLoan" || method == "Refinance" || method == "BasicLoan")) || (cRegion == "MI1" && (method == "LimitedRes")) || ((cRegion == "NY1" || cRegion == "NY2" || cRegion == "DC" || cRegion == "OH") && method == "Refinance") ) { // mortgagee only method, so don't allow owner cvg usage nOwnercvg = 0.00 } if (cRegion == "MIC") { // force $1m min cvg usage in Mich Commercial region if (nLendercvg < 1000000) { nLendercvg = 0.00 } if (nOwnercvg < 1000000) { nOwnercvg = 0.00 } if (nPriorcvg < 1000000) { nPriorcvg = 0.00 } if (nCvg < 1000000) { nCvg = 0.00 } } if (cRegion == "MN") { // place a ceiling cap on allowable cvg if (nLendercvg > 1000000) { nLendercvg = 1000000 } if (nOwnercvg > 1000000) { nOwnercvg = 1000000 } if (nPriorcvg > 1000000) { nPriorcvg = 1000000 } } //validate shared coverage is numeric if (isNaN(nCvg) && !goCalcform.coverage.disabled) { alert("Please enter numeric values only for Highest coverage.") goCalcform.coverage.value = "0.00" goCalcform.coverage.focus() return(false) } //validate owner coverage is numeric if (isNaN(nOwnercvg) && !goCalcform.ownercvg.disabled) { alert("Please enter numeric values only for Owner coverage.") goCalcform.ownercvg.value = "0.00" goCalcform.ownercvg.focus() return(false) } //validate lender coverage is numeric if (isNaN(nLendercvg) && !goCalcform.lendercvg.disabled) { alert("Please enter numeric values only for Lender coverage.") goCalcform.lendercvg.value = "0.00" goCalcform.lendercvg.focus() return(false) } //validate highest prior cvg if (isNaN(nPriorcvg) && !goCalcform.priorcvg.disabled) { alert("Please enter numeric values only for Highest prior coverage.") goCalcform.priorcvg.value = "0.00" goCalcform.priorcvg.focus() return (false) } // validate owner prior cvg if (isNaN(nOwnPriorcvg) && !goCalcform.opriorcvg.disabled) { alert("Please enter numeric values only for Owner prior coverage.") goCalcform.opriorcvg.value = "0.00" goCalcform.opriorcvg.focus() return (false) } // validate lender prior cvg if (isNaN(nMtgPriorcvg) && !goCalcform.mpriorcvg.disabled) { alert("Please enter numeric values only for Mortgagee prior coverage.") goCalcform.mpriorcvg.value = "0.00" goCalcform.mpriorcvg.focus() return (false) } if ( ((cRegion == "MD" || cRegion == "TN" || cRegion == "TND" || cRegion == "TNH" || cRegion == "TNK" || cRegion == "TNS" || cRegion == "NE" || cRegion == "NE1" || cRegion == "MS" || cRegion == "AR" || cRegion == "IN1" || cRegion == "IN2" || cRegion == "IN3" || cRegion == "IL" || cRegion == "MO" ) && method == "Refinance" && nPriorcvg > 0 && nYears > 0 && nLendercvg == 0) || (cRegion == "PAC" && method == "Refinance" && nYears > 0 && nLendercvg == 0) ) { alert("Mortgagee coverage required for " + method) // seeding a non-zero value keeps this trap from repeatedly firing goCalcform.lendercvg.value = "1.00" goCalcform.lendercvg.focus() return (false) } if (cRegion == "MIC" && (method == "Basic" || method == "Reissue") && nOwnercvg == 0 && nLendercvg > 0) { alert("Owner coverage required for " + method) // seeding a non-zero value keeps this trap from repeatedly firing goCalcform.ownercvg.value = "1000000.00" goCalcform.ownercvg.focus() return (false) } // round coverages up to nearest $k for these regions // dropped "WV" from this list per Tina's request 08/28/06 // 05/22/2007, wmc, added NC. if (cRegion == "PA" || cRegion == "PAC" || cRegion == "SC" || cRegion == "V1" || cRegion == "V2" || cRegion == "V3" || cRegion == "NY1" || cRegion == "NY2" || cRegion == "MI1" || cRegion == "MI2" || cRegion == "MIK" || cRegion == "MIC" || cRegion == "MI1m" || cRegion == "MI2m" || cRegion == "MIKm" || cRegion == "MI1x" || cRegion == "MI2x" || cRegion == "MIKx" || cRegion == "AL" || cRegion == "KY" || cRegion == "NE" || cRegion == "NE1" || cRegion == "DC" || cRegion == "MS" || cRegion == "AR" || cRegion == "IN1" || cRegion == "IN2" || cRegion == "IN3" || cRegion == "NJ" || cRegion == "IL" || cRegion == "LA" || cRegion == "MD" || cRegion == "OH" || cRegion == "MN" || cRegion == "NC") { nCvg = (nCvg > 0) ? kRoundup(nCvg) : nCvg nOwnercvg = (nOwnercvg > 0) ? kRoundup(nOwnercvg) : nOwnercvg nLendercvg = (nLendercvg > 0) ? kRoundup(nLendercvg) : nLendercvg nPriorcvg = (nPriorcvg > 0) ? kRoundup(nPriorcvg) : nPriorcvg // these are prior coverages nOwnPriorcvg = (nOwnPriorcvg > 0) ? kRoundup(nOwnPriorcvg) : nOwnPriorcvg nMtgPriorcvg = (nMtgPriorcvg > 0) ? kRoundup(nMtgPriorcvg) : nMtgPriorcvg } // round coverages up to nearest $100 for these regions if (cRegion == "FL" || cRegion == "MO") { nCvg = (nCvg > 0) ? hRoundup(nCvg) : nCvg nOwnercvg = (nOwnercvg > 0) ? hRoundup(nOwnercvg) : nOwnercvg nLendercvg = (nLendercvg > 0) ? hRoundup(nLendercvg) : nLendercvg nPriorcvg = (nPriorcvg > 0) ? hRoundup(nPriorcvg) : nPriorcvg } // reinit the prior cvg for New Jersey nPriorcvg = (cRegion == "NJ" && method == "Reissue") ? nOwnPriorcvg : nPriorcvg nPriorcvg = (cRegion == "NJ" && method == "Refinance") ? nMtgPriorcvg : nPriorcvg // start the shoooww.. // fetch the min premium for the region nMinprem = getMinPrem(cRegion) if (cRegion == "NC") { // shared coverage prompts if (method == "Regular") { nPremium = PremCalc(cRegion, "MOL", nCvg, nMinprem) } else if (method == "Reissue" && nPriorcvg > 0 && nYears > 0) { nNew = PremCalc(cRegion, "MOL", nCvg, nMinprem) // calc at new cvg nPrior = PremCalc(cRegion, "MOL", nPriorcvg, 0) // calc at prior cvg (no min prem!) nPremium = PremDisc(cRegion, "REIS", nNew, nPrior, nYears, nMinprem) // apply discount } else if (method == "Refinance" && nPriorcvg > 0 && nYears > 0) { nNew = PremCalc(cRegion, "MOL", nCvg, nMinprem) // calc at new cvg nPrior = PremCalc(cRegion, "MOL", nPriorcvg, 0) // calc at prior cvg (no min prem!) nPremium = PremDisc(cRegion, "REFI", nNew, nPrior, nYears, nMinprem) // apply discount } else if (method == "Commercial") { nPremium = getFlatRatePerK(cRegion, "CMER", nCvg, nMinprem) } else if (method == "Temporary") { nPremium = getFlatRatePerK(cRegion, "TCON", nCvg, nMinprem) } else if (method == "SubdivDevel") { nPremium = getFlatRatePerK(cRegion, "SDSA", nCvg, nMinprem) } else if (method == "CommunHouse") { nPremium = getFlatRatePerK(cRegion, "CHOU", nCvg, nMinprem) } else if (method == "EasyRefi") { nPremium = getFlatRatePerK(cRegion, "EZRE", nCvg, nMinprem) } if (nCvg > 0 && nPremium > 0) { // add on ICL charge nIcl = MatrixCalc(cRegion, "ICL", nCvg) nPremium += nIcl } } // end NC calcs else if (cRegion == "MD" || cRegion == "SC" || cRegion == "V1" || cRegion == "V2" || cRegion == "V3" || cRegion == "WV" || cRegion == "MI1" || cRegion == "MI2" || cRegion == "MIK" || cRegion == "MIC" || cRegion == "MI1x" || cRegion == "MI2x" || cRegion == "MIKx" || cRegion == "MI1m" || cRegion == "MI2m" || cRegion == "MIKm" || cRegion == "NY1" || cRegion == "NY2" || cRegion == "AL" || cRegion == "PA" || cRegion == "PAC" || cRegion == "KY" || cRegion == "NE" || cRegion == "NE1" || cRegion == "DC" || cRegion == "MS" || cRegion == "AR" || cRegion == "IN1" || cRegion == "IN2" || cRegion == "IN3" || cRegion == "OH" || cRegion == "NJ" || cRegion == "GM" || cRegion == "GS" || cRegion == "IL" || cRegion == "LA" || cRegion == "FL" || cRegion == "MO" || cRegion == "MN" ) { // dual coverage prompts and calcs // init matrix table codes if (cRegion == "SC" || cRegion == "MIC" || cRegion == "PA" || cRegion == "PAC" || cRegion == "NE" || cRegion == "NE1" || cRegion == "IN1" || cRegion == "IN2" || cRegion == "IN3" || cRegion == "NJ" || cRegion == "FL" || method == "BasicWithoutSE" || method == "ReissueWithoutSE" || method == "RefinanceWithoutSE" ) { // combined matrix cMtgeCode = "MOL" cOwnCode = "MOL" } else { // separate matrix cMtgeCode = "MTG" cOwnCode = "OWN" } if (cRegion == "FL" && method == "RegularMultiple") { // method has its own min prem nMinprem = getOtherMinPrem(cRegion) } // re-init min premium values for separate entity usage if (cRegion == "MD" || cRegion == "NY1" || cRegion == "NY2" || cRegion == "DC" || cRegion == "OH" || cRegion == "LA" || cRegion == "MO" || cRegion =="TN") { nOwnMinprem = nMinprem nMtgMinprem = getOtherMinPrem(cRegion) } else { nOwnMinprem = nMinprem nMtgMinprem = nMinprem } // rate calcs follow if (method == "Regular" || method == "Basic" || method == "BasicWithSE" || method == "BasicWithoutSE" || method == "BasicLoan" || method == "RegularMultiple" || method == "AltaHomeowner") { // calc each entity nOwneramt = PremCalc(cRegion, cOwnCode, nOwnercvg, nOwnMinprem) nLenderamt = PremCalc(cRegion, cMtgeCode, nLendercvg, nMtgMinprem) // save off the "new" lenderamt for simul calc in Mich nNewLenderamt = nLenderamt if (method == "AltaHomeowner") { // calc as percent of calc'd rate nOwneramt = getPercentRate(cRegion, "HOME", nOwneramt, 0) nOwneramt = Math.max(nOwneramt, nLenderamt) } // flag for simul calc bCalc = true } else if (cRegion == "MI1" && method == "LimitedRes" && nLendercvg > 0) { // dedicated matrix for this lender-only method; also note min prem absence nLenderamt = PremCalc(cRegion, "LTD", nLendercvg, 0) } /* ********************************************************************* NOTE: disabled but preserving legacy UW method of Reissue/Refi calc; see note in following Refi/Reis section for explantion else if (cRegion != "MD" && (method == "Reissue" || method == "Refinance") && nPriorcvg > 0 && nYears > 0) { // calc new nOwneramt = PremCalc(cRegion, cOwnCode, nOwnercvg, nMinprem) nLenderamt = PremCalc(cRegion, cMtgeCode, nLendercvg, nMinprem) nNew = Math.max(nOwneramt, nLenderamt) // calc prior; note use of same cvg in both calcs if (nOwnercvg > 0) { nOwneramt = PremCalc(cRegion, cOwnCode, nPriorcvg, nMinprem) } if (nLendercvg > 0) { nLenderamt = PremCalc(cRegion, cMtgeCode, nPriorcvg, nMinprem) } nPrior = Math.max(nOwneramt, nLenderamt) if (method == "Reissue") { cCode = "REIS" } else { cCode = "REFI" } // apply discount nPremium = PremDisc(cRegion, cCode, nNew, nPrior, nYears, nMinprem) } else if (cRegion == "MD" && (method == "Reissue" || method == "Refinance") && nPriorcvg > 0 && nYears > 0) ********************************************************************************** */ /* 09/19/05 ROD with changes in Michigan, whereby retaining only MI1 and MIC regions, revise code entry condition in such a way as to retain support for those obsolete Michigan regions should they be resurrected in future. Do this by placing MI1 refinance methods in their own condition set; it looks strange but this is good example of defensive coding, which is often the norm around here. */ else if ((method == "Reissue