OpenChainGraph Suite · ART-219 · US Mortgage Compliance

QM APR-APOR Spread Classifier

QM APR-APOR spread classification per Reg Z §1026.43(e)(2)(vi) and §1026.43(b)(4). Determines general QM eligibility, safe-harbor vs rebuttable-presumption status, and whether the loan is a Higher-Priced Covered Transaction. Requires QM points-and-fees pass (ART-218) as prerequisite.

Reg Z §1026.43(e)(2)(vi) §1026.43(b)(4) HPCT Safe Harbor Rebuttable Presumption
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Rate Inputs
Loan APR from ART-215 / ART-217 output.
Average Prime Offer Rate published by FFIEC for comparable transaction at consummation.
Transaction Type
Required prerequisite (ART-218 output).
Threshold Grid
Classification Detail
Execution Hash (SHA-256)