TRID Compliance Checklist
TRID compliance is one of the most scrutinized areas in mortgage QC and one of the easiest to get wrong when you don't have a clear reference for what to check and where to find it.This checklist covers every major TRID requirement a loan reviewer, QC analyst, processor, or compliance officer needs to verify, organized into 7 sections with 24 individual checklist items.Each item includes three components: The specific requirement and why it matters Exactly where to find the relevant documentation in the loan file Step-by-step instructions for independently verifying compliance, including business day calculations Sections covered: Loan Estimate timing and delivery requirements Closing Disclosure timing, delivery, and triggering changes Tolerance buckets: zero tolerance, 10% tolerance, and no tolerance fee variance analysis APR and finance charge accuracy Loan terms and disclosures: consistency across LE, CD, and Note Written list of service providers Special circumstances: bona fide emergency waivers, construction loans, simultaneous second liens, seller CD Built from over a decade of real secondary market QC and compliance review experience.Published by Whiting Mortgage Services, LLC — whitingmtgsvcs.com
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