TRID tolerance check in 60 seconds. Every fee, every bucket, every cure obligation.
Drop in your Loan Estimate and Closing Disclosure PDFs. LE-CD Reconciler identifies every tolerance bucket (0%, 10%, unlimited), applies the cumulative test, and tells you precisely where you have a TRID cure obligation. Built by mortgage operators who know the 2015 TRID rule cold and the 2018 amendments better. Coming soon — waitlist open.
No spam. We email you only when LE-CD Reconciler is live (target: Q4 2026) and once a quarter with a public progress note.
How it works
Upload your LE and CD
Drag-drop both PDFs.
See every variance, by tolerance bucket
Fee-by-fee, with the bucket assignment and the cumulative math.
Get the cure summary
Which fees require refund, total cure amount, redisclosure deadline.
Five categories of TRID tolerance findings.
0% tolerance violations
Origination charges, transfer taxes, lender-required services where consumer didn't shop. Any increase = mandatory cure.
10% tolerance violations
Recording fees, third-party services from the lender's written list. Cumulative test applied.
Unlimited tolerance items
Services consumer shopped for, prepaid interest, escrow deposits, optional homeowner's insurance. Documented but not bucketed.
Disclosure timing checks
Was LE delivered within 3 business days of application? Was CD delivered ≥3 business days before consummation? (TILA-RESPA timing windows.)
Changed circumstance documentation
When a fee increase is justified by a changed circumstance, the documentation requirement is itemized.
Launch pricing — waitlist locked.
Single tolerance check. No account. Stripe Checkout one-click.
Unlimited checks. Email-only signup. For compliance teams who close loans daily.
Missed tolerance violation = mandatory cure + regulatory exposure. One prevented violation pays for the year. Waitlist members get first 30 days free at the monthly tier.
Frequently Asked Questions
Which TRID rule version does it follow?
Current rule (2015 final + 2018 amendments). Tool updates as TILA-RESPA evolves.
What about the 2024 / 2025 TRID interpretive updates?
Each update is added to the rule pack as published. Past 12 months: TBD on launch.
Does it handle CD-to-CD comparisons (multiple CD revisions)?
Yes. Cumulative tolerance math runs across the LE and all CD revisions.
What if the changed circumstance documentation is missing?
Tool flags the missing CC documentation and suggests the language needed for the file.
When does LE-CD Reconciler launch?
Target Q4 2026. Waitlist members get launch access at the lowest price tier and a free first check.
LE-CD Reconciler is built by Confer. If your team is ready to replace Encompass with an AI-native LOS, see the full platform → confersolutions.ai
Last Updated: April 27, 2026