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Mortgage Guaranty 1978–2007 Experience
| YEARS | PREMIUM EARNED | LOSSES PAID | CHANGE IN OUTSTANDING CLAIM RESERVE | CHANGE IN IBNR RESERVE | CHANGE IN CONTINGENCY RESERVE | LOADED LOSS RATIO | TRUE LOSS RATIO |
|---|---|---|---|---|---|---|---|
| TOTAL | $1,102,182,870 | $315,726,684 | $138,161,682 | $32,196,896 | $497,592,555 | 89.2% | 44.1% |
| 2007 | $104,265,196 | $54,703,147 | $51,565,933 | $12,991,510 | $1,295,425 | 115.6% | 114.4% |
| 2006 | $95,921,236 | $44,682,675 | $6,756,996 | $2,146,507 | $70,001,794 | 128.8% | 55.9% |
| 2005 | $90,607,938 | $39,726,566 | $11,791,364 | $2,312,853 | $70,066,589 | 136.7% | 59.4% |
| 2004 | $86,313,621 | $35,910,999 | $9,561,066 | $2,419,699 | $50,545,922 | 114.0% | 55.5% |
| 2003 | $79,148,953 | $27,405,419 | $10,548,762 | $522,219 | $43,270,061 | 103.3% | 48.6% |
| 2002 | $72,806,617 | $15,778,345 | $8,211,430 | $1,901,271 | $44,517,343 | 96.7% | 35.6% |
| 2001 | $64,081,638 | $8,399,925 | $5,184,669 | $15,273 | $32,856,629 | 72.5% | 21.2% |
| 2000 | $58,678,174 | $5,734,203 | $4,428,546 | $1,680,390 | $28,200,913 | 68.2% | 20.2% |
| 1999 | $50,701,381 | $5,584,544 | $2,632,857 | $1,539,071 | $21,761,715 | 62.2% | 19.2% |
| 1998 | $47,197,904 | $4,435,194 | $3,931,715 | $956,181 | $16,607,379 | 54.9% | 19.8% |
| 1997 | $44,636,752 | $4,461,227 | $3,192,189 | $819,000 | $9,397,276 | 40.0% | 19.0% |
| 1996 | $39,485,701 | $2,543,313 | $3,228,131 | $678,073 | $16,804,043 | 58.9% | 16.3% |
| 1995 | $32,881,982 | $1,914,572 | $1,671,288 | $778,507 | $16,110,879 | 62.3% | 13.3% |
| 1994 | $26,287,904 | $2,242,214 | $176,400 | $139,980 | $8,401,239 | 41.7% | 9.7% |
| 1993 | $22,668,797 | $2,970,954 | –$221,589 | –$71,285 | $9,796,529 | 55.0% | 11.8% |
| 1992 | $19,603,317 | $3,844,229 | –$599,183 | $118,800 | $9,087,738 | 63.5% | 17.2% |
| 1991 | $17,313,505 | $4,583,789 | –$912,136 | $76,176 | $7,981,949 | 67.7% | 21.6% |
| 1990 | $16,796,331 | $4,457,338 | $394,242 | $181,215 | $6,917,763 | 71.1% | 30.0% |
| 1989 | $16,086,915 | $4,105,705 | $339,951 | –$13,016 | $4,359,651 | 54.7% | 27.6% |
| 1988 | $14,995,096 | $3,695,534 | $1,612,662 | $977,561 | $5,615,424 | 79.4% | 41.9% |
| 1987 | $14,792,560 | $5,301,853 | $5,955,679 | $581,312 | $3,274,590 | 102.2% | 80.0% |
| 1986 | $17,931,224 | $6,368,607 | $2,990,924 | $581,552 | $3,484,491 | 74.9% | 55.4% |
| 1985 | $15,748,972 | $5,842,340 | $2,153,022 | $300,401 | $1,735,729 | 63.7% | 52.7% |
| 1984 | $11,388,755 | $4,821,260 | $1,632,063 | $169,299 | $2,257,489 | 78.0% | 58.2% |
| 1983 | $7,785,492 | $5,899,917 | $351,473 | $28,432 | –$200,984 | 78.1% | 80.7% |
| 1982 | $6,574,557 | $4,845,720 | $822,197 | $162,768 | $961,607 | 103.3% | 88.7% |
| 1981 | $6,663,995 | $2,707,539 | $303,089 | $23,670 | $2,945,920 | 89.7% | 45.5% |
| 1980 | $6,718,722 | $1,574,503 | $64,308 | $34,405 | $3,038,750 | 70.1% | 24.9% |
| 1979 | $7,316,557 | $779,510 | $206,566 | $74,837 | $3,376,949 | 60.7% | 14.5% |
| 1978 | $6,783,078 | $405,543 | $187,068 | $70,235 | $3,121,753 | 55.8% | 9.8% |