Three-dimensional genome organization constrains the regulatory interactions that govern vital cellular processes. Chromatin loops are key features of genome folding, yet it is unclear how genetic and epigenetic variation influences differential loop formation across individuals. Loops primarily form between two CTCF binding proteins, which recognize a specific motif at loop anchors. CTCF binding site motifs are frequently altered by base substitutions, structural variation, and 5-methylcytosine (m⁵C) CpG methylation, yet no study has comprehensively profiled this variation across diverse individuals. Moreover, existing approaches relying on binary loop calls fail to capture subtle changes in genetic and epigenetic features, as well as CTCF occupancy, that drive variation in loop strength. Here, we combined high-resolution Hi-C, Fiber-seq, near telomere-to-telomere phased assemblies, and m⁵C methylation maps across five lymphoblastoid cell lines to quantify how genetic and epigenetic variation shape genome folding. We used DiffHiC to identify 367 differential pixels and found that sequence variation, chromatin accessibility, and m⁵C CpG methylation are each significantly associated with differential chromatin contacts. Next, we developed CLASH (Chromatin Loop Across-sample Score Harmonizer) to harmonize loop calls across samples and enable robust comparisons of loop strengths across individuals. CLASH substantially improved loop calls and loop score calibration with respect to the classification boundary over existing methods and confirmed a significant relationship between CTCF occupancy and loop strength. We then …