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Trid Tolerance

Classify TRID Tolerances & Compute Cures in Minutes

10 minutes with CaseMark

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10 minutes with CaseMark

What you'll need

  • Loan Estimate
  • Closing Disclosure
  • Service Provider List

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Workflow

Overview

CaseMark's TRID Tolerance Analyzer automates the complex process of classifying closing costs into regulatory tolerance buckets, computing variances between Loan Estimates and Closing Disclosures, and determining cure amounts for any violations. Built on the requirements of 12 CFR § 1026.19(e)(3), it transforms hours of manual spreadsheet work into a structured, auditable compliance report.

Manually classifying dozens of closing costs into TRID tolerance buckets, cross-referencing service provider lists, and computing aggregate variances is tedious and error-prone. A single misclassification can lead to undetected tolerance violations, regulatory exposure, and costly cure obligations discovered too late in the process.

CaseMark automates the entire TRID tolerance workflow—from fee classification and variance calculation to changed circumstance validation and cure amount computation. By applying Regulation Z rules consistently across every line item, CaseMark delivers accurate, auditable results in minutes instead of hours, reducing compliance risk and freeing your team for higher-value work.

How it works

  1. 1. Upload your Loan Estimate(s), Closing Disclosure, and service provider list

  2. 2. AI classifies every closing cost into the correct tolerance bucket under Regulation Z

  3. 3. Variances are calculated and changed circumstances are validated against regulatory standards

  4. 4. Review the tolerance analysis, cure amounts, and export in your preferred format (DOCX, PDF)

What you get

  • Tolerance Bucket Classification Table

  • Zero Tolerance Variance Analysis

  • 10% Cumulative Tolerance Aggregate Calculation

  • Unlimited Tolerance Fee Summary

  • Changed Circumstance Validation Results

  • Cure Amount Computation & Recommendations

What it handles

  • Automatic classification of every fee into zero, 10% cumulative, and unlimited tolerance buckets

  • CD-vs-LE variance calculation with line-by-line and aggregate breakdowns

  • Changed circumstance validation against regulatory requirements for revised Loan Estimates

  • Cure amount computation for tolerance violations with supporting citations

  • Shopped vs. unshopped service provider analysis based on creditor's written list

  • Clear audit trail mapping each fee to its regulatory basis under 12 CFR § 1026.19(e)(3)

Required documents

  • Loan Estimate

    Original Loan Estimate and any revised versions with issuance dates

    .pdf, .docx

  • Closing Disclosure

    Final or proposed Closing Disclosure for the transaction

    .pdf, .docx

  • Service Provider List

    Creditor's written list of service providers showing shopped vs. unshopped classification

    .pdf, .docx, .xlsx

Supporting documents

  • Changed Circumstance Documentation

    Supporting documentation for any changed circumstances used to justify revised Loan Estimates

    .pdf, .docx

  • Settlement Agent Fee Sheet

    Itemized fee breakdown from the settlement agent for cross-referencing

    .pdf, .docx, .xlsx

Why teams use it

Eliminate manual fee-by-fee classification errors with automated tolerance bucketing

Instantly identify tolerance violations and compute precise cure amounts

Validate changed circumstances for revised Loan Estimates against regulatory standards

Generate audit-ready documentation with clear regulatory citations for every determination

Questions

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

You'll need the original Loan Estimate (plus any revised LEs with dates), the final or proposed Closing Disclosure, and the creditor's written list of service providers. CaseMark uses all three to accurately classify fees and compute variances.

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

CaseMark applies the classification rules from 12 CFR § 1026.19(e)(3), cross-referencing each fee against the creditor's provider list to distinguish shopped vs. unshopped services. Affiliate fees, transfer taxes, and creditor-originated charges are automatically flagged as zero tolerance.

Can CaseMark validate whether a revised Loan Estimate is permitted?

Yes. CaseMark evaluates the documented changed circumstances against the regulatory criteria that permit a revised LE, flagging any revisions that may lack sufficient justification under TRID rules.

How are cure amounts calculated?

CaseMark computes the difference between the CD amount and the applicable tolerance threshold for each bucket. For zero-tolerance items, any increase without a valid changed circumstance triggers a cure. For 10% cumulative items, the aggregate overage beyond 10% is calculated as the cure amount.

Does this work for both purchase and refinance transactions?

Absolutely. CaseMark's TRID tolerance analysis applies the same regulatory framework to both purchase and refinance transactions, adjusting for fee types and tolerance classifications relevant to each scenario.

How accurate is the AI classification compared to manual review?

CaseMark's AI is trained on the full Regulation Z tolerance framework and consistently applies the rules without the human errors common in manual spreadsheet-based reviews. We recommend a final professional review of the output, which CaseMark makes fast and straightforward.

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