OpenChainGraph Suite · ART-234 · US Mortgage Compliance
HOEPA High-Cost Mortgage Trigger Test
Tests all three HOEPA high-cost triggers per Reg Z §1026.32(a)(1). A loan is high-cost if any trigger fires. APR trigger: APOR+6.5pp first-lien, APOR+8.5pp subordinate or dwelling below $50,000. Points-and-fees trigger: 5% of loan or $1,380 floor (2026). Prepayment penalty trigger: applicable beyond 36 months or exceeds 2% of prepaid amount. Separate from QM points-and-fees (art-218) and HPML escrow (art-235).
Reg Z §1026.32(a)(1)HOEPA 2026APR TriggerPoints-and-FeesPrepayment Penalty
🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only.
Loan and Rate Inputs
Loan annual percentage rate.
Average Prime Offer Rate from FFIEC weekly table for a comparable transaction.
Total per §1026.32(b)(1) definition.
Dwelling and Prepayment Penalty
Trigger fires if PP applies beyond 36 months.
Trigger fires if total PP can exceed 2% of prepaid amount.