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 Apr 30, 2026, 12:00 AM EDT

LenderMedian

  • Rocket Mortgage

    59 mins

  • Freedom Mortgage

    7 hrs 42 mins

  • NewRez

    18 hrs 50 mins

  • Chase Bank

    11 mins

  • Wells Fargo

    10 mins

  • PennyMac

    2 mins

  • Mr Cooper

    1 hr 24 mins

  • US Bank

    8 mins

  • Truist Bank

    4 mins

  • Shellpoint Mortgage

    23 hrs 28 mins

  • Onity (PHH Mortgage)

    22 mins

  • PNC Mortgage

    7 mins

  • Fifth Third Bank

    14 mins

  • Bank of America

    1 hr 5 mins

  • Select Portfolio Servicing

    3 hrs 30 mins

  • RoundPoint Mortgage Servicing

    2 hrs 12 mins

  • Carrington Mortgage Services

    8 days 2 hrs

  • Regions Mortgage

    3 mins

  • Lakeview by LoanCare

    5 hrs 25 mins

  • M&T Bank

    6 mins

  • Planet Home Lending

    3 mins

  • Lakeview by Mr Cooper

    1 hr 18 mins

  • Navy Federal Credit Union

    1 day 20 hrs

  • Cross Country Mortgage

    2 days 1 hr

  • Valon Mortgage

    7 hrs 37 mins

  • Huntington Bank

    33 mins

  • United Wholesale Mortgage

    11 mins

  • LoanDepot

    23 hrs 40 mins

  • LoanCare

    17 hrs 16 mins

  • Citizens Bank

    3 mins

  • Cenlar

    12 mins

  • Truist Bank (HELOC)

    22 hrs 29 mins

  • New American Funding

    3 mins

  • Lake Michigan Credit Union

    1 day 4 hrs

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

    3 days 16 hrs

  • Figure Lending

    1 day 7 hrs

  • Lakeview by M&T Bank

    6 mins

  • Rushmore Servicing

    1 hr 25 mins

  • PNC Mortgage (HELOC)

    1 day 18 hrs

  • Guild Mortgage

    2 days 8 hrs

  • Michigan State Federal Credit Union

    3 hrs 43 mins

  • Wells Fargo (HELOC)

    1 day 1 hr

  • AmeriHome Mortgage

    11 mins

  • Movement Mortgage

    9 mins

  • State Employees Credit Union (NC)

    4 hrs 16 mins

  • Citizens Bank (HELOC)

    4 mins

  • Third Federal Savings & Loan

    1 hr 2 mins

  • Ameris Bank

    4 mins

  • US Bank (HELOC)

    2 hrs 3 mins

  • Union Home Mortgage

    1 day 4 hrs

  • The Dart Bank

    2 hrs 51 mins

  • Synovus Bank

    2 hrs 54 mins

  • Lakeview by ServiceMac

    11 mins

  • South State Bank

    14 hrs 11 mins

  • Selene Finance

    3 days 22 hrs

  • ServiceMac

    11 mins

  • Provident Funding

    8 hrs 38 mins

  • TD Bank

    2 days 23 hrs

  • Fifth Third Bank (HELOC)

    6 mins

  • Dovenmuehle Mortgage Company

    8 mins

  • Fay Servicing

    2 days 19 hrs

  • BSI Financial Services

    4 days 14 hrs

  • Midland Mortgage

    10 hrs 27 mins

  • Old National Bank

    2 hrs 1 min

  • Huntington Bank (HELOC)

    25 mins

  • Arvest Bank

    22 hrs 31 mins

  • Veterans United Home Loans

    1 hr 23 mins

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

    2 hrs 55 mins

  • PenFed Credit Union

    1 day 5 hrs

  • First Federal Bank

    3 hrs 59 mins

  • Bell Bank

    19 hrs 26 mins

  • HUD

    3 days 20 hrs

  • Rosegate Mortgage

    10 mins

  • Delta Community Credit Union

    23 hrs 45 mins

  • Independent Bank (MI)

    6 hrs 1 min

  • BMO Bank National Association

    7 mins

  • Fulton Bank

    21 hrs 15 mins

  • First Citizens Bank & Trust Co.

    1 day 17 hrs

  • Village Capital & Investment LLC

    7 days 2 hrs

  • Chase Bank (HELOC)

    14 mins

  • Members 1st Credit Union (PA)

    4 hrs 26 mins

  • AmeriSave Mortgage Corporation

    9 mins

  • CMG Mortgage

    1 day

  • Cadence Bank

    23 hrs 50 mins

  • HomeLoanServ, Inc.

    2 days 3 hrs

  • Virginia Housing Development Authority

    1 day 23 hrs

  • Morgan Stanley Private Bank, N.A.

    10 mins

  • BOK Financial

    2 hrs 13 mins

  • CMG Financial

    5 hrs 11 mins

  • Servbank

    6 days 3 hrs

  • Wings Financial Credit Union

    1 hr 44 mins

  • Mercantile Bank

    57 mins

  • Forum Credit Union

    18 hrs 6 mins

  • Suncoast Credit Union

    12 hrs 30 mins

  • Flagstar Bank

    1 hr 30 mins

  • 21st Mortgage Corporation

    15 hrs 56 mins

  • Atlantic Bay Mortgage Group

    2 hrs 33 mins

  • Midwest Loan Services

    19 hrs 17 mins

  • Pennsylvania State Employees Credit Union

    22 hrs 57 mins

  • GoodLeap

    4 hrs 5 mins

  • Trustone Financial Credit Union

    6 hrs 19 mins

  • First Merchants Bank

    9 hrs 44 mins

  • Gateway Mortgage

    1 day 3 hrs

  • United Community Bank [GA / SC]

    38 mins

  • KeyBank National Association (HELOC)

    19 hrs 10 mins

  • Royal Credit Union

    5 hrs 4 mins

  • Click n' Close, Inc.

    3 hrs 12 mins

  • Discover Bank

    3 mins

  • Pennsylvania Housing Finance Agency

    3 days 10 hrs

  • SWBC

    11 mins

  • Union Savings Bank

    1 day

  • SunWest Mortgage Company

    3 days 1 hr

  • Associated Bank

    4 hrs 34 mins

  • FCI Lender Services

    15 hrs 12 mins

  • Member First Mortgage

    17 hrs 53 mins

  • MIDFLORIDA Credit Union

    2 hrs 51 mins

  • Kiavi

    22 hrs 1 min

  • Horizon Bank

    5 hrs 6 mins

  • KeyBank National Association

    2 hrs 26 mins

  • Guaranteed Rate

    15 mins

  • Northwest Bank

    1 day 15 hrs

  • Redstone Federal Credit Union

    18 hrs 30 mins

  • Interra Credit Union

    2 hrs 49 mins

  • Vanderbilt Mortgage

    23 hrs 9 mins

  • myCUmortgage

    3 mins

  • Citizens First Bank

    1 hr 22 mins

  • Servion

    17 hrs 16 mins

  • Utah Housing Corporation

    1 day 4 hrs

  • Everwise Credit Union

    49 mins

  • Consumers Credit Union

    14 hrs 16 mins

  • Stockton Mortgage

    13 mins

  • Liberty Federal Credit Union

    2 hrs 42 mins

  • Pinnacle Financial Partners

    4 hrs 10 mins

  • ServiSolutions

    22 hrs 38 mins

  • UBS

    10 mins

  • Mortgage Center LLC

    10 hrs 46 mins

  • Finance of America Reverse LLC

    21 hrs 27 mins

  • Randolph Brooks Federal Credit Union

    19 hrs 4 mins

  • Choice One Bank

    2 hrs 10 mins

  • First Financial Bank

    1 day

  • First Horizon

    7 mins

  • Renasant Bank

    4 hrs 13 mins

  • Farmers State Bank

    2 days 12 hrs

  • First Citizens Bank

    23 hrs 6 mins

  • America First Federal Credit Union - UT

    2 days 2 hrs

  • Genisys Credit Union

    2 hrs 28 mins

  • Isabella Bank

    57 mins

  • Cornerstone Home Lending

    2 days

  • Associated Credit Union

    1 day 1 hr

  • First National Bank of Omaha

    23 hrs 59 mins

  • BankSouth Mortgage

    8 mins

  • United Bank

    22 hrs 19 mins

  • Standard mortgage

    32 mins

  • Blaze Credit Union

    43 mins

  • Primary Residential Mortgage, Inc.

    4 hrs 15 mins

  • West Gate Bank

    19 hrs 18 mins

  • Achieve Loans

    15 hrs 18 mins

  • Veridian Credit Union

    2 hrs 11 mins

  • VyStar Credit Union

    3 days 11 hrs

  • Wesbanco

    5 hrs 34 mins

  • Landmark Credit Union (IL, WI)

    19 hrs 18 mins

  • M&T Bank (HELOC)

    21 hrs 37 mins

  • Carrington Mortgage Services (Reverse Mortgage)

    23 hrs 56 mins

  • Northpointe Bank

    13 mins

  • Weststar Mortgage Corp

    2 days 6 hrs

  • Ephrata National Bank

    2 days 22 hrs

  • Longbridge Financial LLC

    1 day 22 hrs

  • Fairway Independent Mortgage

    18 mins

  • Santander Bank

    22 hrs 1 min

  • Trustmark National Bank

    22 hrs 15 mins

  • Comerica

    1 day 17 hrs

  • Citadel Servicing Corporation

    1 hr 57 mins

  • Idaho Housing & Finance Authority Association

    2 days 2 hrs

  • First National Bank of America

    2 days 7 hrs

  • Raymond James Bank

    22 hrs 37 mins

  • Towne Mortgage Company

    17 hrs 36 mins

  • Wintrust Mortgage

    1 hr 45 mins

  • Indiana Members Credit Union

    2 hrs 15 mins

  • Affinity Plus Federal Credit Union

    1 day 23 hrs

  • First Interstate Bank

    4 hrs 59 mins

  • Bank OZK

    2 hrs 53 mins

  • Campus USA Credit Union

    1 hr 51 mins

  • Digital Federal Credit Union

    5 hrs 28 mins

  • Elements Financial

    22 mins

  • Park National Bank

    12 hrs 55 mins

  • Mountain America Credit Union

    23 hrs 36 mins

  • Flat Branch Home Loans

    5 hrs 20 mins

  • Stifel Bank and Trust

    12 mins

  • Diamond Credit Union

    14 hrs 34 mins

  • Eastern Bank

    22 hrs 50 mins

  • AmWest Funding Corp

    4 days 23 hrs

  • SN Servicing Corporation

    3 days 5 hrs

  • Dow Credit Union

    15 hrs 56 mins

  • Florida Credit Union

    2 hrs 46 mins

  • Truliant Federal Credit Union

    12 hrs 59 mins

  • Rural 1st

    13 hrs 7 mins

  • Baxter Credit Union

    11 mins

  • Conventus LLC

    7 hrs 29 mins

  • LGE Community Credit Union

    8 mins

  • America First Federal Credit Union - UT (HELOC)

    1 day 2 hrs

  • Mortgage 1

    1 day 1 hr

  • The National Bank of Indianapolis

    17 hrs 41 mins

  • Northwest Bank (PA / NJ)

    1 day 6 hrs

  • Mission Servicing Residential, Inc.

    4 hrs 31 mins

  • Lima One Capital

    20 hrs 19 mins

  • FirstBank Mortgage

    11 hrs 12 mins

  • Central Bank

    4 hrs 44 mins

  • TruHome Solutions

    1 day 19 hrs

  • Wilmington Savings Fund Society, FSB

    23 hrs 16 mins

  • S&T Bank

    5 hrs 49 mins

  • Atlantic Union Bank

    1 day 7 hrs

  • Summit Credit Union

    6 hrs 5 mins

  • Stock Yards Bank & Trust

    5 hrs 49 mins

  • SoFi

    1 day 8 hrs

  • Evergreen Home Loans

    2 mins

  • Volunteer Mortgage Loan Servicing

    22 hrs 45 mins

  • Columbia Bank

    4 days 12 hrs

  • Alerus Mortgage

    2 days 14 hrs

  • Rockland Trust

    23 hrs 32 mins

  • Eastman Credit Union

    11 hrs 43 mins

  • Superior Loan Servicing

    21 hrs 53 mins

  • Security Service Federal Credit Union

    22 hrs 14 mins

  • Oregon Community Credit Union

    19 hrs 9 mins

  • Bank of Albuquerque

    2 hrs 5 mins

  • Lake Trust Credit Union

    11 hrs 11 mins

  • Mass Housing

    1 hr 21 mins

  • Bank of Texas

    2 hrs 1 min

  • Merchants Bank

    7 hrs 13 mins

  • Nations Lending

    1 day 1 hr

  • Frost Bank

    1 day 19 hrs

  • Service Federal Credit Union

    18 hrs 42 mins

  • Credit Union of Texas

    20 hrs 15 mins

  • Civista Bank

    17 hrs 5 mins

  • German American Bank

    1 day 19 hrs

  • Leader Bank

    2 days 2 hrs

  • Andrews Federal Credit Union

    16 hrs 42 mins

  • Northwest Federal Credit Union

    2 hrs 19 mins

  • Institution For Savings

    50 mins

  • Frankenmuth Credit Union

    19 hrs 9 mins

  • Tower Federal Credit Union

    6 hrs 30 mins

  • Boeing Employees Credit Union

    1 day 20 hrs

  • Colorado Housing and Finance Authority

    15 hrs 50 mins

  • Carlsbad National Bank (CNB)

    3 hrs 26 mins

  • Heritage Bank

    10 mins

  • Goldenwest Credit Union

    2 days 9 hrs

  • Univest

    20 hrs 49 mins

  • First Commonwealth Bank

    3 days

  • Allegacy Federal Credit Union

    4 hrs 28 mins

  • Members Mortgage Services

    24 mins

  • WaFd Bank

    1 day 12 hrs

Sorted by order volume · Last 12 months