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

Mortgage High-Cost and HPML Screen

Note (dated 2026-08-04): a chain composes independent computations performed in an analytical order. No step's output is carried into the next step by the execution model; each step computes from its own declared inputs. This is true of every chain on this site, including chains whose per-step copy below reads as a data handoff.

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)
FFIEC weekly table
§1026.32(b)(1) total
Step 2 — HPML Escrow Inputs (art-235, if gate does not fire)

Ask your agent

Copy this paragraph into Claude, OpenClaw, or any MCP-aware agent to run this whole workflow on the server and check one field that answers a real question.

Question: This refinance prices at 12.5 percent APR. Does it trip the HOEPA high-cost screen at this rate?
Run the AINumbers MCP tool `run_chain` with {"chain":"mortgage-high-cost-and-hpml-screen"} and read `art-234-test-hoepa-high-cost.is_high_cost`.
Re-run with `inputs` for `art-234-test-hoepa-high-cost`, reusing the values that result echoed, with `apr_pct` set to 6. Compare the same field.
Verify: call `verify_execution_hash` (https://mcp.ainumbers.co/mcp) with `claimed_hash` set to `composite_execution_hash` and the full `composite_artifact`.
Ledger, for a human re-check: https://ledger.ainumbers.co/
PII rule: send synthetic or anonymised inputs only. The MCP server runs these kernels and logs no payloads.
Chain page: https://ainumbers.co/chaingraph/chains/mortgage-high-cost-and-hpml-screen.html