OpenChainGraph Suite · OCG v0.8.0 · US Mortgage Compliance · Cluster ㉑

Mortgage High-Cost and HPML Screen

Gated two-step mortgage screen. First tests all three HOEPA high-cost triggers per Reg Z §1026.32(a)(1) — APR spread (APOR+6.5pp first-lien, +8.5pp subordinate or small dwelling), points-and-fees (5% or $1,380 floor, 2026), and prepayment penalty. If any trigger fires the loan is high-cost and the chain exits immediately. If no HOEPA trigger fires, the default path continues to the HPML escrow requirement test per §1026.35(a)+(b), checking whether the APR-APOR spread meets the HPML threshold and whether a rural/underserved or condo exemption applies.

OpenChainGraph · 2 Steps compliance mandate · §21.4 Gate Hash-Anchored §4 chain_depth:2 Client-Side · Zero PII

Not legal or compliance advice. Outputs are computed from version-pinned tables and your inputs only. Consult qualified counsel before relying on any result for loan production decisions.

⚡ §21.4 Decision Gate active at Step 1: if is_high_cost = true (any HOEPA trigger fires), chain exits immediately. The HPML screen only runs when no HOEPA trigger is met.

Chain Inputs — All Steps

Step 1 — HOEPA Trigger Inputs (art-234)

APR (%)

APOR (%)

FFIEC weekly table

Lien type

Loan amount ($)

Points and fees ($)

§1026.32(b)(1) total

Year

Dwelling value below $50,000 (raises first-lien APR threshold to 8.5pp) Loan has a prepayment penalty

Step 2 — HPML Escrow Inputs (art-235, if gate does not fire)

Jumbo loan (above FHFA conforming limit, raises HPML threshold to APOR+2.5pp)

Rural or underserved area Creditor assets under $2 billion 500 or fewer first-lien HPMLs originated in prior year Condo: HOA master policy covers hazard insurance for all units

Export Chain Artifact

Exports a §4 OCG chain artifact containing the full run: steps executed, per-step output payloads, compliance flags, composite hash, and gate decisions.