The visual is a table showing how lender profits vary under 2021 QM Rule for two different loan sizes. The first loan size is $90,000 and the second loan size is $400,000. The Applicable Fee or Profit (QM Cap) for the $90,000 loan is $3,308 or less, while for the large loan it is $12,000 (3% of loan amount). The fixed origination cost for the small and large loan is $2,500. Taking these into consideration, the lender profits for the small loan is $808 and for the large loan it is $9,500.