Roughly 25 percent of lenders responding to an American Bankers Association survey have eliminated some mortgage products because the TRID integrated disclosure rule does not provide enough clarity. The offerings that were killed include construction loans, adjustable-rate mortgages, home equity loans and payment-frequency options. Further, more than 75 percent of survey respondents said that TRID is delaying loan closings by, on average, eight days, the trade group said. However, some transactions have experienced as many as 20 extra days. Additionally, a whopping 93 percent claim uploading and loan processing times have increased as a result of TRID implementation. Approximately one quarter of respondents said the new rule has increased the total cost to the consumer to obtain a loan, the ...