TRID rules apply to MOST consumer credit transactions secured by real property. These include mortgages, refinancing, construction-only loans, closed-end home-equity loans, and loans secured by vacant land or by 25 or more acres.
The rule does NOT apply to Home Equity Line of Credit transactions, reverse mortgages, mortgages secured by a mobile home, or other dwellings that are not attached to real property.
Also, TRID rules do NOT apply to loans made by a person or business that makes 5 or fewer mortgages in a calendar year.