o Loans made and intended to be sold by the originating lender or creditor to FNMA, GNMA, or FHLMC (or its successor); 7 or o Loans that are the subject of a home equity conversion mortgage or reverse mortgage issued by a lender or creditor subject to the regulation. 4
1 Draw the max line -- the one with as large a slope as you think reasonable (taking into account error bars), while still doing a fair job of representing all the data. Measure the slope of this line.  Calculate the uncertainty in the slope as one-half of the difference between max and min slopes.
The variance (Ï 2), is defined as the sum of the squared distances of each term in the distribution from the mean (Î¼), divided by the number of terms in the distribution (N). There's a more efficient way to calculate the standard deviation for a group of numbers, shown in the following equation: You take the sum of the squares of the terms in the distribution, and divide by the number of terms in the distribution (N). From this, you subtract the square of the mean (Î¼2). It's a lot less work to calculate the standard deviation this way.