Closing Disclosure Tolerance

Validate TRID Tolerance & Cure Amounts in Minutes

10 minutes with CaseMark

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10 minutes with CaseMark

What you'll need

Closing Disclosure
Loan Estimate

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

Workflow

Overview

This skill automates the full TRID tolerance review process for U.S. residential mortgage closings. It compares Closing Disclosure fees against the controlling Loan Estimate, classifies each charge by tolerance bucket, validates changed-circumstance resets, and calculates precise cure amounts when violations are found.

Manually comparing Closing Disclosure fees against Loan Estimates is tedious, error-prone, and high-stakes. Compliance teams must classify dozens of fees into the correct tolerance buckets, track revised LEs triggered by changed circumstances, and calculate cure amounts — all under tight closing deadlines where a single missed violation can result in regulatory penalties.

CaseMark automates the entire TRID tolerance workflow. Upload your CD, controlling LE(s), and supporting documentation, and the AI classifies every fee, runs zero-tolerance and 10% cumulative tests, validates changed-circumstance resets, and produces a detailed violation report with precise cure amounts — turning hours of manual review into a 10-minute process.

How it works

1. Upload the final Closing Disclosure, controlling Loan Estimate(s), and any supporting changed-circumstance documentation
2. AI classifies every fee by tolerance bucket and identifies the valid baseline LE
3. The system runs zero-tolerance, 10% cumulative, and changed-circumstance tests automatically
4. Review the detailed violation report, cure amounts, and compliance status — then export as DOCX or PDF

What you get

Fee Classification Table by Tolerance Bucket
Zero-Tolerance Line-Item Test Results
10% Cumulative Tolerance Test Results
Changed-Circumstance Reset Validation
Violation Summary with Cure Amount Calculations
Overall Compliance Status and Recommendations

What it handles

Automatic fee classification into zero, 10% cumulative, and unlimited tolerance buckets
Line-item zero-tolerance variance testing against the controlling Loan Estimate
Cumulative 10% tolerance aggregation and pass/fail determination
Changed-circumstance validation and revised LE reset gating
Cure amount calculation with detailed violation breakdown
State overlay identification alongside federal TRID baseline

Required documents

Closing Disclosure
The final Closing Disclosure (CD) with all borrower-paid fees, line items, and payor categories
.pdf, .docx
Loan Estimate
The most recent valid Loan Estimate (LE) and any revised LEs with issue dates that serve as the tolerance baseline
.pdf, .docx

Supporting documents

Changed-Circumstance Documentation
Evidence of post-LE events such as appraisal updates, title defects, borrower requests, or rate lock changes that may trigger revised LE resets
.pdf, .docx
Loan Timeline Summary
Key dates including rate lock, lock expiration, consummation, and LE delivery dates for timing validation
.pdf, .docx, .xlsx
Fee Taxonomy Reference
Internal fee classification tags identifying creditor, broker, affiliate, and third-party service providers
.pdf, .docx, .xlsx

Why teams use it

Eliminate manual spreadsheet-based LE-to-CD fee comparisons that are prone to human error

Instantly identify tolerance violations and calculate exact cure amounts before closing

Validate changed-circumstance resets with proper timing and documentation gating

Standardize TRID compliance QA across your entire loan portfolio

Questions

What documents do I need to run a TRID tolerance analysis?

You need the final Closing Disclosure, the most recent valid Loan Estimate (plus any revised LEs), and supporting documentation such as changed-circumstance evidence and the loan timeline. CaseMark will handle the classification and testing from there.

How does CaseMark classify fees into tolerance buckets?

CaseMark automatically categorizes each CD fee into zero-tolerance, 10% cumulative, or unlimited buckets based on TRID rules under 12 CFR Part 1026. It considers fee type, payor category, and whether services were shopped from a lender-provided list.

Can CaseMark validate changed-circumstance resets?

Yes. CaseMark evaluates whether revised Loan Estimates were triggered by qualifying changed circumstances, checks issuance timing, and determines whether the reset is valid before recalculating tolerance baselines.

How are cure amounts calculated?

When a tolerance violation is detected, CaseMark calculates the exact cure amount — the difference between the actual CD charge and the maximum permissible amount under the applicable tolerance bucket. This gives you a precise dollar figure for remediation.

Does this account for state-level TRID overlays?

CaseMark applies the federal TRID baseline and flags where state-specific overlays may impose additional requirements. You can include jurisdictional details in your upload for more targeted analysis.

How long does the analysis take?

A typical TRID tolerance review completes in approximately 10 minutes. CaseMark processes all fee classifications, tolerance tests, and cure calculations simultaneously, replacing hours of manual spreadsheet work.