U.S. Mortgage Compliance Engine
188 constraints from CFPB, ATR/QM, HOEPA, ECOA, Reg-B, State & UDAAP
Ability-to-Repay (8 Factors)
Income, debt, residual, etc.
12 CFR § 1026.43(c)
Qualified Mortgage (QM)
DTI ≤43%, points & fees caps
§ 1026.43(e)
HOEPA / Section 32
APR spread ≥6.5% OR fees ≥8%
§ 1026.32
ECOA / Fair Lending
Rate spread ≥150bps on protected class
§ 1002.13
Reg B Adverse Action
Must disclose exact reason(s)
§ 1002.9
State Conforming Limits
2025 CA $950k - jumbo licensing
UDAAP Misrepresentation
No "guaranteed" language
Escrow Requirements
FICO <620 OR LTV >90%
§ 1026.35
Pricing Exceptions
Requires 760+ FICO + docs