OpenChainGraph Suite · ART-219 · US Mortgage Compliance

QM APR-APOR Spread Classifier

QM APR-APOR spread classification per Reg Z §1026.43(e)(2)(vi) and §1026.43(b)(4). Determines general QM eligibility, safe-harbor vs rebuttable-presumption status, and whether the loan is a Higher-Priced Covered Transaction. Requires QM points-and-fees pass (ART-218) as prerequisite.

Reg Z §1026.43(e)(2)(vi) §1026.43(b)(4) HPCT Safe Harbor Rebuttable Presumption
🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only.
Rate Inputs
Loan APR from ART-215 / ART-217 output.
Average Prime Offer Rate published by FFIEC for comparable transaction at consummation.
Transaction Type
Required prerequisite (ART-218 output).
Threshold Grid
Classification Detail
Execution Hash (SHA-256)







  

    
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Copy this paragraph into Claude, OpenClaw, or any MCP-aware agent to run this exact tool, with this sample, and verify the artifact.

  
Run the AINumbers MCP tool `classify_qm_apr_apor_spread`. Task: QM APR-APOR spread test per Reg Z §1026.43(e)(2)(vi) and §1026.43(b)(4).
Call it with arguments: {"policy_parameters":{"apr_pct":6.875,"apor_pct":5,"lien_type":"first","loan_amount":450000,"year":2026}}
Verify before trusting: call `verify_execution_hash` on mcp.ainumbers.co (https://mcp.ainumbers.co/mcp) with the parameter `claimed_hash` set to the returned `execution_hash`, passing the full artifact the run returned (the object containing `policy_parameters` + `output_payload` + `execution_hash`; equivalently `policy_parameters` + `output_payload` with `claimed_hash`), not the bare hash string.
Return the ledger link https://ledger.ainumbers.co/ so a human can re-verify without contacting us.
PII rule: All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only.
Open the tool with the sample prefilled: https://ainumbers.co/chaingraph/art-219-qm-apr-apor-spread.html#p=v1.H4sIAAAAAAAA_wFTAKz_eyJhcHJfcGN0Ijo2Ljg3NSwiYXBvcl9wY3QiOjUsImxpZW5fdHlwZSI6ImZpcnN0IiwibG9hbl9hbW91bnQiOjQ1MDAwMCwieWVhciI6MjAyNn3s4Q7pUwAAAA