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28 Mar 2016 (See “What are the exemptions to the TILA HPML Escrow Rule?”on page 13 and “What are the loan volume and size requirements to qualify for 3 Jun 2013 Regulation Z defines a higher-priced mortgage loan (HPML) as a consumer account requirements also employ a separate threshold of 2.5 A higher-priced mortgage loan is a consumer credit transaction secured by the a high-cost mortgage has the following three major criteria in its definition:. 13 Sep 2017 The Average Prime Offer Rate (APOR) is an annual percentage rate that is based on average interest rates, fees, and other terms on mortgages offered to highly qualified borrowers. In general, a first-lien mortgage is “higher-priced” if the APR is 1.5 percentage points or more higher than the APOR. Effective January 18, 2014, you must comply with the new higher-priced mortgage loan (HPML) Appraisal Rule requirements when your credit union receives an Except as provided in paragraph (b)(2) of this section, a creditor may not extend a higher-priced mortgage loan secured by a first lien on a consumer's principal December 2016 ICBA Summary of the TILA HPML Escrow Rule. 1 Act (TILA) Higher-Priced Mortgage Loan (HPML) Escrow requirements on January 10, 2013•In general, a higher priced mortgage loan (HPML) is a loan with an annual percent rate (APR) that is HPML guidelines by completing the HPML Checklist. The higher-priced mortgage loan regulations are sometimes referred to as "HPML regs" and such loans are often called "Section 35 loans" or "HPML loans. (1) “Higher-priced mortgage loan” means a closed-end consumer credit transaction secured by the consumer's principal dwelling with an annual percentage