TODO_TAGS_REVIEW
TODO_AP2_EXPORT_REVIEW

Compute HMDA Rate Spread

Computes the HMDA rate spread (APR minus APOR) per FFIEC methodology and classifies against HMDA reportability thresholds: 1.5 pp (first lien), 3.5 pp (subordinate lien), 6.5 pp (HELOC). Outputs rate_spread_pct, lien classification, is_reportable flag, and HPML indicator (1.5 pp first / 3.5 pp sub, triggers escrow and appraisal requirements under TILA). Table version: FFIEC-RATE-SPREAD-METHODOLOGY-2023.

Tool URL: https://ainumbers.co/chaingraph/art-230-compute-hmda-rate-spread.html

post/v1/tools/compute_hmda_rate_spread

Request

  • Base URL: https://ainumbers.co
  • URL: https://ainumbers.co/v1/tools/compute_hmda_rate_spread
  • Auth: none declared

Request body

apor_pctnumber

Percentage value

apr_pctnumber

Percentage value

lien_typeunknown required
lock_dateunknown required
product_typeunknown required

Response

Successful tool execution result

apor_pctnumber
apor_source_notestring
apr_pctinteger
hmda_report_codestring
is_reportableboolean
lien_typestring
lock_datestring
pii_notestring
product_typestring
rate_spread_pctnumber
regulatory_basisstring
reportability_threshold_pctnumber
table_sourcestring
table_versionstring

Changes

No recorded changes to this operation across all 1 revision of this API.