OpenChainGraph Suite · ART-230 · Fair Lending & Adverse Action 伦

HMDA Rate Spread Calculator

Computes the HMDA rate spread (APR minus Average Prime Offer Rate) per FFIEC methodology and 12 CFR §1003.4(a)(12). Determines HMDA LAR reportability against the 1.5 percentage-point first-lien threshold, 3.5pp subordinate-lien threshold, and 6.5pp HELOC first-lien threshold (2018 HMDA Final Rule). APOR must be sourced from the FFIEC weekly table for the applicable lock date. Table: HMDA-FFIEC-RATE-SPREAD-2024-12CFR1003.

12 CFR §1003.4(a)(12) FFIEC Methodology 2018 HMDA Final Rule Rate Spread HMDA LAR
🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only.
ⓘ Not legal or compliance advice. APOR must be obtained from the FFIEC weekly table (ffiec.gov/ratespread) for the applicable lock date and comparable transaction term. This tool validates the arithmetic; it does not fetch live APOR data.
Rate Inputs
Annual Percentage Rate at loan closing. Use the final Reg Z APR expressed as a percentage.
Average Prime Offer Rate from the FFIEC weekly table (ffiec.gov/ratespread) for the applicable lock date and comparable transaction term.
Loan Characteristics
Closed-end uses 1.5pp / 3.5pp thresholds. HELOC first lien uses 6.5pp.
Rate lock date for APOR lookup. Provide for audit trail; does not affect calculation.
HMDA Rate Spread Result
Execution Hash (SHA-256)