Just trying to get a sense of how much insurance rate variation there is in different markets.

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Do a couple of searches with the terms can you be an agent and wholesale , or some variation thereof, and you will find hundreds of posts discussing this - ask me how I know.  

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It is amazing how much variation there is on lending guidelines, i suspect there is alot of "funny business" going on at some of these banks. 

Will Barnard thanks for your input, it's valuable for me because it's good to know that there are variations in the market, as I was finding the 70% rule worked in some markets but not others and I thought I might be factoring something wrongly.

There can be times when some variation to these is required due to the uniqueness of a various market or property.

I've seen wide variation in prices on Trulia and Zillow, that don't reflect actual value.

The biggest is that any retail appraisal would have a large variation in potential values and may not have any relationship to what a retail buyer might pay.

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