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# What do the lender credits represent on the Loan Estimate and Closing Disclosure?

According to the TILA/RESPA requirements, the lender credits disclosed on Loan Estimate represent the sum of Specific Lender Credits and Generalized Lender Credits.

The requirements for lender credits on the Closing Disclosure differ from those on the Loan Estimate. The lender credits disclosed on page two of the Closing Disclosure represent the sum of Generalized Lender Credits and the Refund exceeded tolerance amount. Any specific lender credits will be disclosed on page two of the Closing Disclosure in the Paid by Others column.