Mortgage Operations

Fee compliance
shouldn't require
a compliance team.

FeeForge classifies every fee against finance charge rules, QM thresholds, state high-cost definitions, and RESPA affiliate restrictions — then tracks it through your entire disclosure lifecycle.

Fee Intelligence Panel LIVE
Fee Classification QM Status
Underwriting Finance Charge ✓ In Threshold
Appraisal Section 32 ✓ Below HOEPA
Origination RESPA Affiliate ⚠ Restricted
Credit Report Permitted ✓ Allowed
Tax Service Finance Charge ✓ In Threshold
Total Points & Fees: $1,247 Tolerance: CURED
The Problem

Every loan has 30–50 fees.
The classification logic lives in
1,500 pages of regulation.

Existing Loan Origination Systems treat fee management as a configuration side-effect. Fees get copied forward from prior loans. Expired DPA programs stay active. RESPA affiliate restrictions get violated at the channel level. QM points-and-fees thresholds get exceeded without anyone noticing until the GSE sale is rejected.

FeeForge was built for the loan officer who needs to know — right now — whether this fee is allowed on this channel with this program, whether it triggers a re-disclosure, and whether it will survive a compliance audit.

Core Capabilities

Fee Classification Engine

Every fee classified against finance charge rules, Section 32 HOEPA thresholds, QM points-and-fees caps, and state-specific high-cost definitions. Version-controlled rule sets with full change history.

Channel-Level Eligibility

Configure fee eligibility at the channel, program, state, region, and branch level. Restricted fees auto-generate compliance tasks. Orphaned fees — those with no active program backing — surface for cleanup.

Lender Credit Waterfall

Apply lender credits to APR-affecting fees first, then fee-specific allocations. Track tolerance cure status at the loan level — cured, pending, or in violation — with the exact amounts and fee origins.

LE/CD Preview Simulation

Simulate Loan Estimate and Closing Disclosure output before commitment. Test tolerance cures, fee waterfall impacts, and re-disclosure triggers against live regulatory thresholds — without touching the actual loan file.

RESPA Affiliate Distinction

Automatically distinguish TLA (third-party lender affiliate) from RESPA Section 8 affiliate fees. Track which fees require re-disclosure, which are prohibited outright, and which carry restrictions per your channel configuration.

Fee Expiration & Reapproval

Time-limited programs — DPA credits, lender concessions, special state incentives — auto-expire and stop appearing on new originations. Reapproval workflows surface automatically before expiration dates, so nothing falls through.

Why FeeForge
18,000+
federal, state, and investor rules encoded into the classification engine — covering TRID, Reg Z, Reg X, HOEPA, HPML, and 42 state-specific frameworks.
Real-time
compliance alerts tied to CFPB, HUD, and GSE rule change feeds — so your team reacts before new rules take effect, not after a failed audit.
Audit-first
every rule and fee change is versioned, timestamped, and approval-gated. Full creation-to-disclosure history on every loan file.
LOS-native
works alongside Encompass, Blend, and any major loan origination system. Prove the value first, expand from there.

FeeForge is the fee intelligence layer
the mortgage industry has needed
for twenty years.

Built for lenders who process volume at scale and can't afford a compliance failure to slip through.