Does TRID apply to loans to finance a primary residence + acreage? I think yes.

What about QM?

If it meets the definition of a consumer loan, then yes. We would look at a number of items to determine if it's truly consumer purpose, even if the property is going to be their principal dwelling. Does the borrower currently farm, is the value of tillable ground exceedingly greater than the value of the house (ie - 100+ acres vs 10), are there other farm buildings/improvements, would they be buying the house without the farm, etc.

And if the borrower doesn't intend to farm the land -- some people just want lots of land surrounding their castles -- you take it for what it is -- a consumer-purpose loan.