Application Date	Calculator to Use
October 1, 2009 or after	New Calculator
Before October 1, 2009	Old Calculator
Before October 1, 2009 but Action Taken (loan closed) on or after January 1, 2010	New Calculator

 

Direct Link to OLD CALCULATOR:
http://www.ffiec.gov/ratespread/oldcalc.aspx

Direct Link to NEW CALCULATOR:
http://www.ffiec.gov/ratespread/newcalc.aspx

 

NOTE: You can save the above links to your browser "Favorites" for convenient access to the appropriate calculator once you are familiar with when to use each calculator.