---
title: "QM APR-APOR Spread Classifier"
method: POST
path: "/v1/tools/classify_qm_apr_apor_spread"
tags: ["TODO_TAGS_REVIEW", "TODO_AP2_EXPORT_REVIEW"]
---

# QM APR-APOR Spread Classifier

`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

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

## Request body

- object
  - `apor_pct` number: Percentage value
  - `apr_pct` number: Percentage value
  - `is_manufactured_housing` boolean, required
  - `lien_type` unknown, required
  - `loan_amount` number
  - `year` number

## Response `200`

Successful tool execution result

- object
  - `apor_pct` integer
  - `applicable_threshold_pct` number
  - `apr_pct` number
  - `fr_citation` string
  - `general_qm_pass` boolean
  - `headroom_pct` number
  - `hpct_threshold_pct` number
  - `is_hpct` boolean
  - `is_manufactured_housing` boolean
  - `lien_type` string
  - `loan_amount` integer
  - `note` string
  - `qm_status` string
  - `regulatory_basis` string
  - `spread_pct` number
  - `threshold_basis` string
  - `year` integer

---

[API](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite.md) · [All operations](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/llms.txt) · [OpenAPI document](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/revisions/b462e4f5bb28?raw)