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Cd Tolerance Reference

TRID Tolerance Compliance Analysis in Minutes

8 minutes with CaseMark

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8 minutes with CaseMark

What you'll need

  • Closing Disclosure
  • Loan Estimate
  • Service Provider List

SOC 2 Type II · HIPAA compliant · $5 free credit

Workflow

Overview

CaseMark's CD Tolerance Reference skill automates the complex process of verifying TRID tolerance compliance under 12 CFR § 1026.19(e)(3). It systematically compares every fee on the Closing Disclosure against the most recent valid Loan Estimate, classifies each into the appropriate tolerance category, and calculates any required cure amounts with precision.

Manually reviewing Closing Disclosures for TRID tolerance compliance is tedious and error-prone. Compliance teams must classify dozens of individual fees into the correct tolerance category, track aggregate totals, validate changed circumstances for revised LEs, and calculate precise cure amounts—all under strict regulatory deadlines where a single missed variance can trigger costly violations.

CaseMark automates the entire TRID tolerance review workflow. Simply upload your CD, LE, and service provider list, and the AI instantly classifies every fee, detects variances across all three tolerance tiers, and calculates any required cure amounts. The result is a comprehensive, audit-ready compliance report delivered in minutes instead of hours.

How it works

  1. 1. Upload your Closing Disclosure, most recent Loan Estimate, and lender's service provider list

  2. 2. AI classifies each fee into the correct tolerance category and compares CD to LE amounts

  3. 3. The system calculates variances, flags violations, and determines any required cure amounts

  4. 4. Review the comprehensive compliance report and export in your preferred format (DOCX, PDF)

What you get

  • Tolerance Category Classification

  • Fee-by-Fee Variance Analysis

  • Zero Tolerance Compliance Results

  • 10% Cumulative Tolerance Calculation

  • Unlimited Tolerance Summary

  • Cure Amount Determination

  • Changed Circumstance Assessment

  • Compliance Summary & Recommendations

What it handles

  • Automated fee comparison across zero, 10% cumulative, and unlimited tolerance categories

  • Per-item and aggregate tolerance variance detection

  • Cure amount calculation with precise dollar figures

  • Changed circumstance validation for revised Loan Estimates

  • Comprehensive compliance summary with violation flagging

  • Service provider list classification for shopped vs. non-shopped services

Required documents

  • Closing Disclosure

    The final Closing Disclosure with itemized fees for the transaction under review

    .pdf, .docx

  • Loan Estimate

    The most recent valid Loan Estimate (original or revised) with line-item fee details

    .pdf, .docx

  • Service Provider List

    The lender's written list of service providers used to classify shopped vs. non-shopped services

    .pdf, .docx, .xlsx

Supporting documents

  • Changed Circumstance Documentation

    Supporting documentation for any changed circumstances that justified a revised Loan Estimate

    .pdf, .docx

  • Prior Loan Estimates

    Earlier versions of the Loan Estimate for tracking fee changes across the loan timeline

    .pdf, .docx

Why teams use it

Eliminate hours of manual fee-by-fee comparison between CD and LE documents

Reduce compliance risk with systematic, regulation-driven tolerance classification

Instantly calculate cure amounts and identify post-closing tolerance violations

Ensure consistent application of TRID rules across your entire loan portfolio

Questions

How does CaseMark determine which tolerance category a fee belongs to?

CaseMark applies the classification rules under 12 CFR § 1026.19(e)(3), cross-referencing the fee type, the originating entity's relationship to the creditor, and the lender's written service provider list. This ensures each fee is placed in the correct zero, 10% cumulative, or unlimited tolerance bucket automatically.

Can CaseMark handle revised Loan Estimates and changed circumstances?

Yes. CaseMark evaluates whether a revised LE is supported by a valid changed circumstance and uses the most recent valid LE as the comparison baseline. It flags any revised LE that may lack proper documentation or justification.

How is the cure amount calculated?

For zero-tolerance items, any positive variance from the LE amount is flagged as a cure amount. For 10% cumulative items, CaseMark calculates the aggregate CD total against 110% of the LE total and identifies any excess as the required cure. The system provides precise dollar amounts for each violation.

Does CaseMark account for fees that shift between tolerance categories?

Absolutely. If a borrower selects a service provider not on the lender's written list, CaseMark automatically reclassifies that fee from the 10% cumulative category to unlimited tolerance, consistent with TRID rules.

What types of loans does this analysis support?

CaseMark's TRID tolerance analysis applies to any closed-end consumer mortgage transaction subject to the TILA-RESPA Integrated Disclosure rule, including purchase, refinance, and construction-to-permanent loans.

How accurate is the AI analysis compared to manual review?

CaseMark systematically applies every regulatory rule without the fatigue or oversight risks inherent in manual review. The AI cross-checks each line item against the correct tolerance framework, significantly reducing the chance of missed violations or miscalculated cure amounts.

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