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Trid Tolerance

Classify TRID Tolerances & Compute Cures in Minutes

10 minutes with CaseMark

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2. Upload the files you want analyzed.

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Workflow

Trid Tolerance

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Workflow

Trid Tolerance

Overview

CaseMark's TRID Tolerance Analyzer automates the complex process of classifying closing costs into regulatory tolerance buckets, calculating variances between Loan Estimates and Closing Disclosures, and computing cure amounts for violations. Built on the requirements of 12 CFR § 1026.19(e)(3), it delivers audit-ready compliance analysis in minutes instead of hours.

TRID tolerance analysis requires painstaking manual comparison of every fee on a Closing Disclosure against the corresponding Loan Estimate, correct bucket classification based on fee type and provider selection, and precise arithmetic to determine whether aggregate tolerances are breached. A single misclassification — such as treating an affiliate fee as unlimited tolerance — can result in undetected violations, borrower refund obligations, and regulatory penalties.

CaseMark automates the entire TRID tolerance workflow by ingesting your Loan Estimate, Closing Disclosure, and service provider list, then systematically classifying each fee, calculating variances, validating changed circumstances, and computing any cure amounts owed. The result is a comprehensive, audit-ready analysis that replaces hours of manual spreadsheet work with consistent, defensible compliance output.

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 Reg 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

  • Fee Classification by Tolerance Bucket

  • Zero Tolerance Variance Analysis

  • 10% Cumulative Tolerance Calculation

  • Unlimited Tolerance Fee Summary

  • Changed Circumstance Validation Results

  • Cure Amount Computation

  • Revised Loan Estimate Permissibility Assessment

What it handles

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

  • CD-vs-LE variance calculation with per-fee and aggregate analysis

  • Changed circumstance validation against regulatory requirements

  • Cure amount computation for tolerance violations

  • Revised Loan Estimate permissibility determination

  • Shopped vs. unshopped service provider tracking

Required documents

  • Loan Estimate

    Original Loan Estimate and any revised Loan Estimates with issuance dates

    .pdf, .docx

  • Closing Disclosure

    Final or proposed Closing Disclosure for variance comparison

    .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 against disclosed amounts

    .pdf, .docx, .xlsx

Why teams use it

Eliminate manual fee-by-fee classification errors that lead to costly tolerance violations

Instantly compute cure amounts and identify refund obligations before they become regulatory issues

Validate changed circumstances and revised Loan Estimate permissibility with regulatory precision

Produce structured, exportable reports for QC audits, examinations, and compliance documentation

Questions

What documents do I need to run a 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 can also incorporate changed circumstance documentation for revised LE validation.

How does CaseMark classify fees into tolerance buckets?

CaseMark's AI applies the rules under 12 CFR § 1026.19(e)(3) to categorize each fee as zero tolerance, 10% cumulative tolerance, or unlimited tolerance. It cross-references the creditor's service provider list to determine whether shopped services fall under the 10% or unlimited bucket.

Can CaseMark calculate cure amounts for tolerance violations?

Yes. CaseMark automatically computes cure amounts when the Closing Disclosure exceeds permitted tolerance thresholds. It identifies the exact overage for zero-tolerance fees and the aggregate excess for 10% cumulative items, so you know precisely what must be refunded.

Does this handle revised Loan Estimates and changed circumstances?

Absolutely. CaseMark validates whether a changed circumstance qualifies under Regulation Z to support a revised Loan Estimate, and it recalculates tolerance baselines accordingly. This ensures your revised LE is defensible if challenged.

How accurate is the AI classification compared to manual review?

CaseMark applies the same regulatory framework a compliance officer would use, systematically checking every fee against the tolerance rules. The AI eliminates common human errors like misclassifying affiliate fees or overlooking the shopped-vs-unshopped distinction, delivering consistent and auditable results.

Can I use this for QC audits across multiple loan files?

Yes. CaseMark is designed to handle individual file reviews as well as batch quality control workflows. Each analysis produces a structured, exportable report that can be incorporated into your audit documentation and compliance records.

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