TODO_TAGS_REVIEW
TODO_AP2_EXPORT_REVIEW

QM APR-APOR Spread Classifier

QM APR-APOR spread test per Reg Z §1026.43(e)(2)(vi) and §1026.43(b)(4). Classifies a loan as general_qm_safe_harbor, general_qm_rebuttable_presumption, or general_qm_fail based on spread versus APOR and HPCT threshold. Size-adjusted thresholds for first-lien standard (2.25 pp), small loan (3.5 pp), manufactured housing (6.5 pp), and subordinate lien (3.5 pp). Caller must supply APOR from the FFIEC weekly rate spread table.

Tool URL: https://ainumbers.co/chaingraph/art-219-qm-apr-apor-spread.html

post/v1/tools/classify_qm_apr_apor_spread

Request

  • Base URL: https://ainumbers.co
  • URL: https://ainumbers.co/v1/tools/classify_qm_apr_apor_spread
  • Auth: none declared

Request body

apor_pctnumber

Percentage value

apr_pctnumber

Percentage value

is_manufactured_housingboolean required
lien_typeunknown required
loan_amountnumber
yearnumber

Response

Successful tool execution result

apor_pctinteger
applicable_threshold_pctnumber
apr_pctnumber
fr_citationstring
general_qm_passboolean
headroom_pctnumber
hpct_threshold_pctnumber
is_hpctboolean
is_manufactured_housingboolean
lien_typestring
loan_amountinteger
notestring
qm_statusstring
regulatory_basisstring
spread_pctnumber
threshold_basisstring
yearinteger

Changes

No recorded changes to this operation across all 1 revision of this API.