For 25 years I worked indirectly with the mortgage insurance industry and I saw first hand who was paying what and who wasn't paying what when it came to premiums. I could never say anything due to my job, but I saw this shit over and over and over....homes worth thousands upon thousands of dollars paying less than a grand in premiums and just by the names of customers, I would see Ms. Bueler May from Mississippi, paying a mint for a home not worth a pot to piss in, I seen this with my own eyes and I KNOW FOR A FACT, IF SOME AGENCY WERE TO LOOK INTO THIS, THEY'D FIND THAT LOW INCOME, MOSTLY POOR BLACK HOMEOWNERS BASED SOLEY ON THIS ANTIQUATED ZIP CODE BULLSHIT PAYS HIGHER EVER DAMN THING, IE PROPERTY TAX, THAN THOSE IN HIGH END AREAS. And the reason being, ITS GOT WHITE FOLK IN THEM HIGH END ZIP CODES AND GOD FORBID, THE WHITE MAN GETS BURNED