CertifID

Payoff Ordering

Lender Turnaround Times

Median time from payoff order placement to a verified quote returned, across the top 250 lenders processed through CertifID over the last 12 months.

Updated Jun 29, 2026, 5:25 PM EDT

LenderMedian

  • Rocket Mortgage

    1 hr 21 mins

  • Freedom Mortgage

    7 hrs 28 mins

  • NewRez

    19 hrs 16 mins

  • Chase Bank

    11 mins

  • Wells Fargo

    10 mins

  • PennyMac

    2 mins

  • US Bank

    7 mins

  • Truist Bank

    4 mins

  • Mr Cooper

    1 hr 25 mins

  • Shellpoint Mortgage

    22 hrs 58 mins

  • Onity (PHH Mortgage)

    23 mins

  • PNC Mortgage

    7 mins

  • Bank of America

    1 hr 2 mins

  • Fifth Third Bank

    17 mins

  • Select Portfolio Servicing

    3 hrs 54 mins

  • Carrington Mortgage Services

    7 days 4 hrs

  • RoundPoint Mortgage Servicing

    2 hrs 8 mins

  • Valon Mortgage

    11 hrs 4 mins

  • Lakeview by LoanCare

    6 hrs 45 mins

  • Regions Mortgage

    3 mins

  • Planet Home Lending

    3 mins

  • Cross Country Mortgage

    2 days 1 hr

  • M&T Bank

    6 mins

  • Navy Federal Credit Union

    2 days 1 hr

  • Huntington Bank

    32 mins

  • United Wholesale Mortgage

    11 mins

  • Lakeview by Mr Cooper

    1 hr 19 mins

  • Citizens Bank

    2 mins

  • LoanDepot

    22 hrs 52 mins

  • LoanCare

    17 hrs 24 mins

  • Cenlar

    12 mins

  • Truist Bank (HELOC)

    22 hrs 18 mins

  • Figure Lending

    2 days 1 hr

  • New American Funding

    3 mins

  • Lake Michigan Credit Union

    1 day 3 hrs

  • Guild Mortgage

    2 days 2 hrs

  • U.S. Department of Housing and Urban Development (HUD)

    3 days 17 hrs

  • Lakeview by M&T Bank

    6 mins

  • PNC Mortgage (HELOC)

    2 days 21 hrs

  • Rushmore Servicing

    1 hr 32 mins

  • AmeriHome Mortgage

    11 mins

  • Third Federal Savings & Loan

    1 hr 24 mins

  • State Employees Credit Union (NC)

    4 hrs 35 mins

  • Wells Fargo (HELOC)

    22 hrs 13 mins

  • Movement Mortgage

    9 mins

  • Fifth Third Bank (HELOC)

    21 hrs 13 mins

  • South State Bank

    1 hr 39 mins

  • US Bank (HELOC)

    2 hrs 4 mins

  • Michigan State Federal Credit Union

    2 hrs 53 mins

  • Ameris Bank

    6 mins

  • Lakeview by ServiceMac

    12 mins

  • Dovenmuehle Mortgage Company

    9 mins

  • Union Home Mortgage

    1 day 3 hrs

  • Arvest Bank

    21 hrs

  • Provident Funding

    5 hrs 52 mins

  • Citizens Bank (HELOC)

    4 mins

  • BSI Financial Services

    3 days 9 hrs

  • Selene Finance

    3 days 20 hrs

  • TD Bank

    3 days 1 hr

  • Old National Bank

    2 hrs 5 mins

  • Fay Servicing

    2 days 19 hrs

  • ServiceMac

    12 mins

  • Midland Mortgage

    1 day 1 hr

  • Huntington Bank (HELOC)

    13 mins

  • Bell Bank

    19 hrs 48 mins

  • Veterans United Home Loans

    1 hr 42 mins

  • Synovus Bank

    2 hrs 50 mins

  • The Dart Bank

    3 hrs 2 mins

  • CMG Mortgage

    1 day 2 hrs

  • Rosegate Mortgage

    10 mins

  • PenFed Credit Union

    1 day 5 hrs

  • First National Bank (PA,OH,MD,DC,VA,NC,SC, WV)

    3 hrs 47 mins

  • BMO Bank National Association

    9 mins

  • First Federal Bank

    4 hrs 45 mins

  • Chase Bank (HELOC)

    13 mins

  • Fulton Bank

    23 hrs 58 mins

  • Members 1st Credit Union (PA)

    5 hrs 16 mins

  • Village Capital & Investment LLC

    5 days 18 hrs

  • Independent Bank (MI)

    6 hrs 7 mins

  • Delta Community Credit Union

    1 day 1 hr

  • HUD

    3 days 20 hrs

  • Morgan Stanley Private Bank, N.A.

    11 mins

  • AmeriSave Mortgage Corporation

    9 mins

  • KeyBank National Association

    1 hr 47 mins

  • First Citizens Bank

    1 day 22 hrs

  • HomeLoanServ, Inc.

    1 day 23 hrs

  • Cadence Bank

    23 hrs 50 mins

  • Wings Financial Credit Union

    1 hr 38 mins

  • Midwest Loan Services

    19 hrs 32 mins

  • First Citizens Bank & Trust Co.

    1 day 18 hrs

  • BOK Financial

    3 hrs 2 mins

  • Mercantile Bank

    42 mins

  • Kiavi

    17 hrs 46 mins

  • Suncoast Credit Union

    5 hrs 1 min

  • CMG Financial

    17 hrs 30 mins

  • First Merchants Bank

    9 hrs 44 mins

  • FCI Lender Services

    23 hrs 39 mins

  • KeyBank National Association (HELOC)

    21 hrs 48 mins

  • Pennsylvania State Employees Credit Union

    22 hrs 28 mins

  • Finance of America Reverse LLC

    22 hrs 12 mins

  • Virginia Housing Development Authority

    1 day 23 hrs

  • Gateway Mortgage

    1 day 4 hrs

  • Guaranteed Rate

    31 mins

  • GoodLeap

    7 hrs 58 mins

  • Trustone Financial Credit Union

    5 hrs 57 mins

  • Forum Credit Union

    6 hrs 29 mins

  • Pennsylvania Housing Finance Agency

    3 days 1 hr

  • 21st Mortgage Corporation

    15 hrs 56 mins

  • ServiSolutions

    21 hrs 39 mins

  • Servbank

    4 days 19 hrs

  • Boeing Employees Credit Union

    2 days 15 hrs

  • SWBC

    11 mins

  • Flagstar Bank

    1 hr 31 mins

  • Atlantic Bay Mortgage Group

    1 hr 59 mins

  • First National Bank of Omaha

    19 hrs 42 mins

  • Horizon Bank

    4 hrs 49 mins

  • Union Savings Bank

    23 hrs 49 mins

  • Click n' Close, Inc.

    2 hrs 55 mins

  • SunWest Mortgage Company

    3 days 4 hrs

  • Vanderbilt Mortgage

    23 hrs 7 mins

  • Royal Credit Union

    5 hrs 4 mins

  • Associated Bank

    6 hrs 11 mins

  • United Community Bank [GA / SC]

    34 mins

  • MIDFLORIDA Credit Union

    2 hrs 56 mins

  • Interra Credit Union

    3 hrs 26 mins

  • Redstone Federal Credit Union

    15 hrs 16 mins

  • Member First Mortgage

    18 hrs 10 mins

  • Stockton Mortgage

    15 mins

  • Everwise Credit Union

    49 mins

  • Indiana Members Credit Union

    2 hrs 15 mins

  • West Gate Bank

    19 hrs 18 mins

  • Cornerstone Home Lending

    2 days 2 hrs

  • Longbridge Financial LLC

    2 days 17 hrs

  • UBS

    11 mins

  • Consumers Credit Union

    5 hrs 12 mins

  • Servion

    8 hrs 41 mins

  • Mortgage Center LLC

    5 hrs 10 mins

  • Renasant Bank

    5 hrs 18 mins

  • America First Federal Credit Union - UT

    1 day 20 hrs

  • Northwest Bank

    22 hrs 43 mins

  • Fairway Independent Mortgage

    10 mins

  • Randolph Brooks Federal Credit Union

    16 hrs 54 mins

  • Choice One Bank

    2 hrs 13 mins

  • First Financial Bank

    1 day

  • Pinnacle Financial Partners

    4 hrs 10 mins

  • Discover Bank

    3 mins

  • myCUmortgage

    3 mins

  • Utah Housing Corporation

    1 day 3 hrs

  • United Bank

    18 hrs 16 mins

  • Evergreen Home Loans

    7 mins

  • Citizens First Bank

    2 hrs 9 mins

  • Liberty Federal Credit Union

    2 hrs 8 mins

  • Trustmark National Bank

    5 hrs 29 mins

  • BankSouth Mortgage

    9 mins

  • First Horizon

    8 mins

  • Isabella Bank

    56 mins

  • Carrington Mortgage Services (Reverse Mortgage)

    23 hrs 35 mins

  • VyStar Credit Union

    1 day 1 hr

  • Northpointe Bank

    14 mins

  • Flat Branch Home Loans

    6 hrs 19 mins

  • Truliant Federal Credit Union

    2 hrs 17 mins

  • Weststar Mortgage Corp

    2 days 7 hrs

  • M&T Bank (HELOC)

    22 hrs 35 mins

  • Blaze Credit Union

    45 mins

  • First National Bank of America

    1 day 18 hrs

  • AmWest Funding Corp

    3 days 1 hr

  • Elements Financial

    1 hr 6 mins

  • Rural 1st

    3 hrs 58 mins

  • Mountain America Credit Union

    1 day 4 hrs

  • Wesbanco

    4 hrs 1 min

  • Stock Yards Bank & Trust

    6 hrs 25 mins

  • Standard mortgage

    27 mins

  • Santander Bank

    13 hrs 19 mins

  • Comerica

    1 day 2 hrs

  • Citadel Servicing Corporation

    1 hr 52 mins

  • Stifel Bank and Trust

    12 mins

  • America First Federal Credit Union - UT (HELOC)

    1 day 1 hr

  • Affinity Plus Federal Credit Union

    2 days 3 hrs

  • Mission Servicing Residential, Inc.

    13 hrs 30 mins

  • Wintrust Mortgage

    2 hrs 39 mins

  • Genisys Credit Union

    3 hrs 2 mins

  • Primary Residential Mortgage, Inc.

    2 hrs 36 mins

  • Dow Credit Union

    14 hrs 35 mins

  • Think Mutual Bank

    1 hr 40 mins

  • WaFd Bank

    1 day 2 hrs

  • Guardian Savings Bank

    3 days 7 hrs

  • TruHome Solutions

    1 day 16 hrs

  • STAR ONE CREDIT UNION

    23 hrs 41 mins

  • Volunteer Mortgage Loan Servicing

    1 day

  • The National Bank of Indianapolis

    18 hrs 19 mins

  • Frost Bank

    22 hrs 46 mins

  • Associated Credit Union

    1 day 1 hr

  • Veridian Credit Union

    2 hrs 20 mins

  • GreenStone Farm Credit Services

    16 hrs

  • Sunflower Bank

    18 hrs 15 mins

  • Digital Federal Credit Union

    19 hrs 58 mins

  • Columbia Bank

    3 days 22 hrs

  • Security Service Federal Credit Union

    14 hrs 24 mins

  • Idaho Housing & Finance Authority Association

    2 days 15 hrs

  • Ephrata National Bank

    2 days 21 hrs

  • South Carolina Federal Credit Union

    10 mins

  • Towne Mortgage Company

    17 hrs 32 mins

  • Baxter Credit Union

    11 mins

  • Farmers State Bank

    2 days 12 hrs

  • Salem Five

    4 hrs 1 min

  • Eastern Bank

    22 hrs 50 mins

  • Campus USA Credit Union

    1 hr 50 mins

  • Park National Bank

    4 hrs 45 mins

  • Alerus Mortgage

    1 day 3 hrs

  • Quorum Federal Credit Union

    23 hrs 4 mins

  • First Interstate Bank

    4 hrs 3 mins

  • Raymond James Bank

    21 hrs

  • Golden 1 Credit Union

    2 days 3 hrs

  • Cornerstone Servicing

    2 days 6 hrs

  • Achieve Loans

    15 hrs 30 mins

  • Service Federal Credit Union

    16 hrs 30 mins

  • City National Bank (West Virginia, Kentucky)

    1 hr 12 mins

  • Rockland Trust

    23 hrs 32 mins

  • Banner Bank

    3 hrs 9 mins

  • Lake Trust Credit Union

    11 hrs 11 mins

  • SoFi

    1 day 7 hrs

  • Conventus LLC

    20 hrs 39 mins

  • Seacoast National Bank

    3 days 2 hrs

  • Eastman Credit Union

    22 hrs 13 mins

  • Atlantic Union Bank

    1 day 23 hrs

  • S&T Bank

    5 hrs 49 mins

  • LGE Community Credit Union

    10 mins

  • Mortgage 1 (MI)

    22 hrs 45 mins

  • Sound Community Bank

    1 hr 56 mins

  • Nations Lending

    22 hrs 14 mins

  • Florida Credit Union

    3 hrs 40 mins

  • Superior Loan Servicing

    23 hrs 6 mins

  • Patelco Credit Union

    6 hrs 31 mins

  • Republic Bank

    4 hrs 6 mins

  • Central Bank

    4 hrs 38 mins

  • BMO Bank National Association (HELOC)

    1 day

  • FirstBank Mortgage

    13 hrs 32 mins

  • Lima One Capital

    21 hrs 11 mins

  • Supreme Lending

    1 day 6 hrs

  • Landmark Credit Union (IL, WI)

    20 hrs 39 mins

  • Knock Lending, LLC

    16 hrs 31 mins

  • OnPoint Community Credit Union

    23 hrs 19 mins

  • Wilmington Savings Fund Society, FSB

    1 day 3 hrs

  • Institution For Savings

    50 mins

  • Bank OZK

    2 hrs 6 mins

  • American Airlines Federal Credit Union

    1 hr 24 mins

  • Heritage Bank (WA, OR, ID)

    11 mins

  • SN Servicing Corporation

    3 days 4 hrs

  • Small Business Administration

    2 days 1 hr

  • First Community Credit Union (MO)

    22 hrs 2 mins

Sorted by order volume · Last 12 months