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 Aug 29, 2026, 10:28 PM EDT

LenderMedian

  • Rocket Mortgage

    1 hr 22 mins

  • NewRez

    21 hrs 3 mins

  • Freedom Mortgage

    7 hrs 35 mins

  • Chase Bank

    12 mins

  • Wells Fargo

    11 mins

  • PennyMac

    2 mins

  • US Bank

    6 mins

  • Truist Bank

    5 mins

  • Shellpoint Mortgage

    1 day 2 hrs

  • PNC Mortgage

    8 mins

  • Onity (formerly PHH)

    29 mins

  • Bank of America

    1 hr 2 mins

  • Mr Cooper

    1 hr 25 mins

  • Select Portfolio Servicing

    4 hrs 15 mins

  • Carrington Mortgage Services

    7 days 4 hrs

  • Fifth Third Bank

    20 mins

  • RoundPoint Mortgage Servicing

    2 hrs 8 mins

  • Valon Mortgage

    16 hrs 43 mins

  • Lakeview by LoanCare

    5 hrs 42 mins

  • Cross Country Mortgage

    2 days 1 hr

  • M&T Bank

    6 mins

  • Regions Mortgage

    3 mins

  • Planet Home Lending

    4 mins

  • Navy Federal Credit Union

    1 day 7 hrs

  • Huntington Bank

    32 mins

  • Citizens Bank

    3 mins

  • LoanDepot

    19 hrs 56 mins

  • United Wholesale Mortgage

    12 mins

  • LoanCare

    16 hrs 36 mins

  • Lakeview by Mr Cooper

    1 hr 20 mins

  • Cenlar

    12 mins

  • Guild Mortgage

    2 days 8 hrs

  • Figure Lending

    2 days 19 hrs

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

    3 days 9 hrs

  • New American Funding

    3 mins

  • Truist Bank (HELOC)

    22 hrs 25 mins

  • Lake Michigan Credit Union

    1 day 1 hr

  • Lakeview by M&T Bank

    6 mins

  • AmeriHome Mortgage

    10 mins

  • Rushmore Servicing

    1 hr 32 mins

  • State Employees Credit Union (NC)

    3 hrs 52 mins

  • PNC Mortgage (HELOC)

    2 days 22 hrs

  • US Bank (HELOC)

    1 hr 1 min

  • Third Federal Savings & Loan

    1 hr 46 mins

  • Wells Fargo (HELOC)

    21 hrs 1 min

  • Movement Mortgage

    10 mins

  • Fifth Third Bank (HELOC)

    20 hrs 34 mins

  • Dovenmuehle Mortgage Company

    9 mins

  • South State Bank

    1 hr 31 mins

  • Arvest Bank

    19 hrs 22 mins

  • Lakeview by ServiceMac

    34 mins

  • BSI Financial Services

    2 days 22 hrs

  • Old National Bank

    1 hr 50 mins

  • Provident Funding

    4 hrs 37 mins

  • Fay Servicing

    3 days 1 hr

  • Rosegate Mortgage

    10 mins

  • Midland Mortgage

    1 day 1 hr

  • Selene Finance

    3 days 20 hrs

  • Huntington Bank (HELOC)

    3 mins

  • Ameris Bank

    7 mins

  • Bell Bank

    21 hrs 49 mins

  • Veterans United Home Loans

    3 hrs 22 mins

  • ServiceMac

    22 mins

  • TD Bank

    3 days 19 hrs

  • Union Home Mortgage

    1 day 2 hrs

  • CMG Mortgage

    1 day 8 hrs

  • Citizens Bank (HELOC)

    4 mins

  • Michigan State Federal Credit Union

    2 hrs 46 mins

  • BMO Bank National Association

    9 mins

  • Fulton Bank

    23 hrs 50 mins

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

    3 hrs 47 mins

  • PenFed Credit Union

    1 day 4 hrs

  • Members 1st Credit Union (PA)

    4 hrs 5 mins

  • First Citizens Bank

    1 day 18 hrs

  • Synovus Bank

    2 hrs 47 mins

  • Village Capital & Investment LLC

    3 days 19 hrs

  • Chase Bank (HELOC)

    14 mins

  • First Federal Bank

    4 hrs 26 mins

  • Morgan Stanley Private Bank, N.A.

    11 mins

  • The Dart Bank

    2 hrs 41 mins

  • HomeLoanServ, Inc.

    2 days

  • Boeing Employees Credit Union

    2 days 23 hrs

  • AmeriSave Mortgage Corporation

    9 mins

  • KeyBank National Association

    1 hr 47 mins

  • Union Savings Bank

    23 hrs 49 mins

  • BOK Financial

    3 hrs 3 mins

  • FCI Lender Services

    22 hrs 51 mins

  • CMG Financial

    17 hrs 40 mins

  • Independent Bank (MI)

    6 hrs 1 min

  • Suncoast Credit Union

    3 hrs 58 mins

  • Finance of America Reverse LLC

    21 hrs 31 mins

  • First Merchants Bank

    17 hrs 44 mins

  • GoodLeap

    1 day 6 hrs

  • Midwest Loan Services

    19 hrs 35 mins

  • Delta Community Credit Union

    1 day

  • Wings Financial Credit Union

    1 hr 39 mins

  • SunWest Mortgage Company

    2 days 22 hrs

  • ServiSolutions

    15 hrs 27 mins

  • Pennsylvania State Employees Credit Union

    21 hrs 26 mins

  • Gateway Mortgage

    1 day 4 hrs

  • Kiavi

    12 hrs 24 mins

  • Mercantile Bank

    40 mins

  • 21st Mortgage Corporation

    19 hrs 3 mins

  • Pennsylvania Housing Finance Agency

    3 days 1 hr

  • First National Bank of Omaha

    4 hrs 52 mins

  • HUD

    3 days 20 hrs

  • First Citizens Bank & Trust Co.

    1 day 17 hrs

  • Forum Credit Union

    5 hrs 35 mins

  • Guaranteed Rate

    1 hr 7 mins

  • KeyBank National Association (HELOC)

    20 hrs 42 mins

  • West Gate Bank

    17 hrs 13 mins

  • United Community Bank [GA / SC]

    44 mins

  • Vanderbilt Mortgage

    22 hrs 34 mins

  • Virginia Housing Development Authority

    2 days

  • Atlantic Bay Mortgage Group

    2 hrs 25 mins

  • MIDFLORIDA Credit Union

    4 hrs 1 min

  • Horizon Bank

    5 hrs 5 mins

  • Redstone Federal Credit Union

    16 hrs 36 mins

  • Cadence Bank

    1 day

  • Associated Bank

    8 hrs 1 min

  • SWBC

    11 mins

  • Flagstar Bank

    1 hr 31 mins

  • Trustone Financial Credit Union

    5 hrs 42 mins

  • Servion

    8 hrs 20 mins

  • Fairway Independent Mortgage

    11 mins

  • Royal Credit Union

    4 hrs 51 mins

  • Indiana Members Credit Union

    2 hrs 33 mins

  • Longbridge Financial LLC

    2 days 21 hrs

  • Servbank

    4 days 19 hrs

  • Evergreen Home Loans

    9 mins

  • Cornerstone Home Lending

    1 day 23 hrs

  • Member First Mortgage

    16 hrs 27 mins

  • Renasant Bank

    5 hrs 18 mins

  • America First Federal Credit Union - UT

    1 day 13 hrs

  • Click n' Close, Inc.

    2 hrs 57 mins

  • Stockton Mortgage

    15 mins

  • Guardian Savings Bank

    2 days 1 hr

  • Everwise Credit Union

    59 mins

  • Interra Credit Union

    3 hrs 57 mins

  • Mountain America Credit Union

    23 hrs 41 mins

  • Consumers Credit Union

    5 hrs 41 mins

  • Truliant Federal Credit Union

    5 hrs 38 mins

  • Randolph Brooks Federal Credit Union

    7 hrs 32 mins

  • First Financial Bank

    1 day 1 hr

  • Stock Yards Bank & Trust

    5 hrs 9 mins

  • Flat Branch Home Loans

    5 hrs 27 mins

  • Trustmark National Bank

    4 hrs 41 mins

  • Aven

    1 day 1 hr

  • America First Federal Credit Union - UT (HELOC)

    1 day 7 hrs

  • Utah Housing Corporation

    1 day 4 hrs

  • Carrington Mortgage Services (Reverse Mortgage)

    22 hrs 36 mins

  • Liberty Federal Credit Union

    1 hr 32 mins

  • Mortgage Center LLC

    8 hrs 6 mins

  • Northwest Bank

    21 hrs 41 mins

  • UBS

    10 mins

  • Affinity Plus Federal Credit Union

    1 day 23 hrs

  • Elements Financial

    53 mins

  • Standard mortgage

    43 mins

  • myCUmortgage

    3 mins

  • First Horizon

    9 mins

  • Cornerstone Servicing

    2 days

  • WaFd Bank

    1 day 18 hrs

  • Columbia Bank

    23 hrs 15 mins

  • Weststar Mortgage Corp

    2 days 19 hrs

  • Lakeview by Valon

    17 hrs 20 mins

  • Wesbanco

    19 hrs 39 mins

  • Wintrust Mortgage

    23 hrs 26 mins

  • Pinnacle Financial Partners

    4 hrs 26 mins

  • Rural 1st

    2 hrs 30 mins

  • United Bank

    18 hrs 16 mins

  • City National Bank (West Virginia, Kentucky)

    2 hrs 11 mins

  • Quorum Federal Credit Union

    22 hrs 3 mins

  • Northpointe Bank

    14 mins

  • TruHome Solutions

    23 hrs 35 mins

  • Stifel Bank and Trust

    12 mins

  • Citadel Servicing Corporation

    1 hr 55 mins

  • Isabella Bank

    54 mins

  • Choice One Bank

    2 hrs 13 mins

  • GreenStone Farm Credit Services

    15 hrs 51 mins

  • Mission Servicing Residential, Inc.

    16 hrs 29 mins

  • Golden 1 Credit Union

    1 day 21 hrs

  • Think Mutual Bank

    1 hr 52 mins

  • First National Bank of America

    1 day 3 hrs

  • VyStar Credit Union

    1 day

  • Comerica

    1 day 3 hrs

  • Veridian Credit Union

    2 hrs 20 mins

  • Primary Residential Mortgage, Inc.

    2 hrs 36 mins

  • AmWest Funding Corp

    2 days 11 hrs

  • The National Bank of Indianapolis

    18 hrs 39 mins

  • Frost Bank

    19 hrs 49 mins

  • BMO Bank National Association (HELOC)

    1 day

  • Citizens First Bank

    2 hrs 12 mins

  • STAR ONE CREDIT UNION

    23 hrs 4 mins

  • Blaze Credit Union

    51 mins

  • S&T Bank

    7 hrs 38 mins

  • BankSouth Mortgage

    11 mins

  • First Technology Federal Credit Union

    1 day 2 hrs

  • M&T Bank (HELOC)

    23 hrs 47 mins

  • Discover Bank

    4 mins

  • Park National Bank

    9 hrs

  • Sound Community Bank

    2 hrs 45 mins

  • Digital Federal Credit Union

    23 hrs 48 mins

  • Santander Bank

    4 hrs 21 mins

  • Genisys Credit Union

    3 hrs 42 mins

  • SoFi

    1 day 15 hrs

  • Associated Credit Union

    20 hrs 10 mins

  • Republic Bank

    5 hrs 19 mins

  • Banner Bank

    3 hrs 14 mins

  • Ephrata National Bank

    3 days

  • Merchants Bank

    5 hrs 47 mins

  • Eastern Bank

    22 hrs 28 mins

  • South Carolina Federal Credit Union

    10 mins

  • Atlantic Union Bank

    1 day 7 hrs

  • Superior Loan Servicing

    23 hrs 2 mins

  • Campus USA Credit Union

    1 hr 49 mins

  • Sunflower Bank

    5 hrs 37 mins

  • Patelco Credit Union

    11 hrs 12 mins

  • Land Home Financial Services

    3 days 22 hrs

  • Mortgage 1 (MI)

    43 mins

  • First Fed Bank (WA)

    2 hrs 19 mins

  • Volunteer Mortgage Loan Servicing

    1 day

  • Seacoast National Bank

    3 days 3 hrs

  • First United Bank & Trust Company (TX, OK)

    20 hrs 47 mins

  • Schools First Federal Credit Union

    3 hrs 29 mins

  • FirstBank Mortgage

    19 hrs 31 mins

  • Salem Five

    3 hrs 47 mins

  • Small Business Administration

    2 days 7 hrs

  • Nations Lending

    17 hrs 29 mins

  • Commerce Bank

    1 hr 26 mins

  • Security Service Federal Credit Union

    14 mins

  • North American Savings Bank

    2 hrs 47 mins

  • First Community Credit Union (MO)

    22 hrs 48 mins

  • OnPoint Community Credit Union

    20 hrs 24 mins

  • Dow Credit Union

    4 hrs 50 mins

  • German American Bank

    4 hrs 56 mins

  • Fremont Bank

    3 days 18 hrs

  • Conventus LLC

    9 hrs 18 mins

  • Achieve Loans

    17 hrs 30 mins

  • Knock Lending, LLC

    4 hrs 57 mins

  • Aim Loan

    2 days 7 hrs

  • Hancock Whitney (HELOC)

    1 day 3 hrs

  • Service Federal Credit Union

    18 hrs 10 mins

  • Towne Mortgage Company

    19 hrs 5 mins

  • Wilmington Savings Fund Society, FSB

    1 day 2 hrs

  • North Salem State Bank

    15 hrs 58 mins

  • Florida Credit Union

    3 hrs 17 mins

  • Idaho Housing & Finance Authority Association

    2 days 15 hrs

  • LGE Community Credit Union

    11 mins

  • Goldenwest Credit Union

    1 day 1 hr

  • Alliant Credit Union

    12 mins

Sorted by order volume · Last 12 months