{
  "type": "ZkVmReceipt",
  "system": "risc0",
  "receiptFormat": "groth16-bn254",
  "imageId": "sha256:a1a0bc89b5b1febaeda3519f6dbade0fa5ac16beeb143c4e1b01689573567bc6",
  "seal": "IJT9CAbHeDeesTcHVb9z87IG23o5sBCe+d/pUW48aCIWs1xf6DqmERQHtlQA7C9AddNG/6kZ98Td3xSpmM54XwNHJiT0Ah6jRMD6XPq70UhlyVGV2UdTCmo01OB6d/+zC1Uv8M5IWIeFj2bHc3OHbN13S2QJjRkU6WA6/q3V8V0jP9wbmIue5Ch1WEMcaDBpxWXyKzTqg4N9FXWhmzFGrCLQvCaEMKuYdOM2M/G5QQMgiTyJ6yLghaOe7daEKBYpCQE+JBG9tYI1677iy8t1NVEMf2YpdAiwpapeUlk4xYQgBRVha55rOoYaTD5RiFriVBXVWG5uc4oPCig2ffGW0g==",
  "journal": {
    "chaingraph_version": "0.4.0",
    "kernel_digest": "sha256:bf8ab4e43a576fd89244c8f1a43a0adb3c8ae4fb433d163a90773584efe86b9b",
    "output": {
      "apor_pct": 5.5,
      "apor_source_note": "APOR must be sourced from FFIEC weekly table at ffiec.gov/ratespread for the applicable lock date and comparable transaction term.",
      "apr_pct": 7,
      "hmda_report_code": "1.500",
      "is_reportable": true,
      "lien_type": "first",
      "lock_date": "2026-01-15",
      "pii_note": "All inputs are processed locally in your browser. No data is transmitted.",
      "product_type": "closed_end",
      "rate_spread_pct": 1.5,
      "regulatory_basis": "12 CFR §1003.4(a)(12); HMDA 12 USC §2801; FFIEC Rate Spread methodology",
      "reportability_threshold_pct": 1.5,
      "table_source": "12 CFR §1003.4(a)(12) (2018 HMDA Final Rule FR 2015-26607, effective Jan 2018); FFIEC Rate Spread Calculator (ffiec.gov/ratespread); first-lien threshold 1.5pp; subordinate 3.5pp; HELOC first-lien 6.5pp",
      "table_version": "HMDA-FFIEC-RATE-SPREAD-2024-12CFR1003"
    }
  }
}