---
title: "Compute HMDA Rate Spread"
method: POST
path: "/v1/tools/compute_hmda_rate_spread"
tags: ["TODO_TAGS_REVIEW", "TODO_AP2_EXPORT_REVIEW"]
---

# Compute HMDA Rate Spread

`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

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

## Request body

- object
  - `apor_pct` number: Percentage value
  - `apr_pct` number: Percentage value
  - `lien_type` unknown, required
  - `lock_date` unknown, required
  - `product_type` unknown, required

## Response `200`

Successful tool execution result

- object
  - `apor_pct` number
  - `apor_source_note` string
  - `apr_pct` integer
  - `hmda_report_code` string
  - `is_reportable` boolean
  - `lien_type` string
  - `lock_date` string
  - `pii_note` string
  - `product_type` string
  - `rate_spread_pct` number
  - `regulatory_basis` string
  - `reportability_threshold_pct` number
  - `table_source` string
  - `table_version` string

---

[API](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite.md) · [All operations](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/llms.txt) · [OpenAPI document](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/revisions/b462e4f5bb28?raw)