TRID Date Calendar

Confused by the TRID date rules? Based on the application date, when is the Loan Estimate required to be delivered, when is it considered received, how do Changed Circumstances change things, when are Closing Disclosures required and when can you close the loan?

BOL users created a calendar tool in Excel, and BankersOnline has been maintaining it. There are two tabs:

• one for calculating the earliest possible closing date based on when the Loan Estimate(s) and Closing Disclosure are issued/received and
• one provides the latest possible date the Loan Estimate(s) and Closing Disclosure can be given to meet a desired closing date.

Select which tab you want and complete the green fields (and one yellow field) when prompted.

NOTE: The password to unlock both tabs is TRID in the event you need to customize this tool. You will need to have Excel 2010 or later for the tool to work properly.

**Users need to verify the complicated TRID requirements in all fields, but especially when a static date holiday falls on a Sunday. As an example, in 2022, June 20, 2022, was a business day based on the precise definition; it was not counted as a holiday for the precise definition. But, if the bank was open for substantially all business, it was counted as a business day using the non-precise definition. If an application was received 6/16/22, the LE had to be sent by 6/21 if the bank was not open for business on Saturdays but was open on the 20th. But by 6/22 if the bank was closed Saturdays and not open on the 20th.

Version 8 (link below) includes holidays in 2025.

This calendar is for general information purposes only. BankersOnline makes no warranty, express or implied, about sufficiency or accuracy of the information provided, and assumes no responsibility or liability for errors or omissions. This and our other tools are not guaranteed and the user is ultimately responsible for checking results against the applicable regulatory requirements.