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 Nov 13, 2026, 12:08 AM EST

LenderMedian

  • Rocket Mortgage

    1 hr 26 mins

  • NewRez

    19 hrs 57 mins

  • Freedom Mortgage

    6 hrs 16 mins

  • Chase Bank

    12 mins

  • PennyMac

    3 mins

  • Wells Fargo

    11 mins

  • US Bank

    6 mins

  • Shellpoint Mortgage

    23 hrs 23 mins

  • Truist Bank

    5 mins

  • PNC Mortgage

    8 mins

  • Onity (formerly PHH)

    25 mins

  • Bank of America

    1 hr

  • Carrington Mortgage Services

    6 days 23 hrs

  • Select Portfolio Servicing

    4 hrs 24 mins

  • RoundPoint Mortgage Servicing

    2 hrs 10 mins

  • Fifth Third Bank

    21 mins

  • Lakeview by LoanCare

    5 hrs 28 mins

  • Cross Country Mortgage

    2 days 1 hr

  • M&T Bank

    6 mins

  • Regions Mortgage

    3 mins

  • Planet Home Lending

    4 mins

  • Mr Cooper

    1 hr 26 mins

  • Valon Mortgage

    18 hrs 5 mins

  • Navy Federal Credit Union

    1 day 3 hrs

  • Huntington Bank

    32 mins

  • Citizens Bank

    3 mins

  • LoanDepot

    19 hrs 34 mins

  • United Wholesale Mortgage

    14 mins

  • LoanCare

    16 hrs 10 mins

  • Guild Mortgage

    2 days 20 hrs

  • Cenlar

    12 mins

  • Figure Lending

    2 days 2 hrs

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

    3 days 5 hrs

  • Lakeview by Mr Cooper

    1 hr 23 mins

  • New American Funding

    3 mins

  • Lake Michigan Credit Union

    1 day

  • US Bank (HELOC)

    8 mins

  • Lakeview by M&T Bank

    7 mins

  • Truist Bank (HELOC)

    22 hrs 52 mins

  • Rushmore Servicing

    1 hr 36 mins

  • PNC Mortgage (HELOC)

    2 days

  • State Employees Credit Union (NC)

    3 hrs 55 mins

  • AmeriHome Mortgage

    10 mins

  • Fifth Third Bank (HELOC)

    18 hrs 8 mins

  • Third Federal Savings & Loan

    4 hrs 31 mins

  • Arvest Bank

    16 hrs 59 mins

  • Dovenmuehle Mortgage Company

    10 mins

  • Rosegate Mortgage

    10 mins

  • Movement Mortgage

    11 mins

  • South State Bank

    1 hr 44 mins

  • Wells Fargo (HELOC)

    22 hrs 13 mins

  • Lakeview by ServiceMac

    26 mins

  • Old National Bank

    1 hr 47 mins

  • Huntington Bank (HELOC)

    4 mins

  • Fay Servicing

    3 days 5 hrs

  • BSI Financial Services

    3 days 9 hrs

  • Provident Funding

    2 hrs 39 mins

  • ServiceMac

    13 mins

  • Midland Mortgage

    1 day

  • Selene Finance

    3 days 20 hrs

  • Veterans United Home Loans

    2 hrs 52 mins

  • TD Bank

    3 days 2 hrs

  • CMG Mortgage

    1 day 5 hrs

  • PenFed Credit Union

    1 day 5 hrs

  • Ameris Bank

    7 mins

  • Bell Bank

    21 hrs 49 mins

  • BMO Bank National Association

    9 mins

  • First Citizens Bank

    1 day 20 hrs

  • Union Home Mortgage

    1 day 1 hr

  • Fulton Bank

    1 day 1 hr

  • Citizens Bank (HELOC)

    4 mins

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

    4 hrs 14 mins

  • Chase Bank (HELOC)

    14 mins

  • Morgan Stanley Private Bank, N.A.

    11 mins

  • Members 1st Credit Union (PA)

    3 hrs 32 mins

  • Michigan State Federal Credit Union

    2 hrs 58 mins

  • Union Savings Bank

    23 hrs 36 mins

  • Synovus Bank

    2 hrs 43 mins

  • FCI Lender Services

    1 day 2 hrs

  • Village Capital & Investment LLC

    1 day 6 hrs

  • Boeing Employees Credit Union

    3 days 4 hrs

  • KeyBank National Association

    2 hrs 24 mins

  • AmeriSave Mortgage Corporation

    9 mins

  • HomeLoanServ, Inc.

    2 days 2 hrs

  • Finance of America Reverse LLC

    22 hrs 29 mins

  • Kiavi

    1 hr 27 mins

  • Wings Financial Credit Union

    1 hr 48 mins

  • BOK Financial

    2 hrs 53 mins

  • First Federal Bank

    4 hrs 44 mins

  • Midwest Loan Services

    19 hrs 47 mins

  • SunWest Mortgage Company

    2 days 6 hrs

  • First National Bank of Omaha

    4 hrs 47 mins

  • First Merchants Bank

    17 hrs 34 mins

  • The Dart Bank

    3 hrs 10 mins

  • GoodLeap

    1 day 23 hrs

  • Pennsylvania Housing Finance Agency

    2 days 22 hrs

  • Vanderbilt Mortgage

    23 hrs 9 mins

  • Horizon Bank

    4 hrs 38 mins

  • Gateway Mortgage

    1 day 4 hrs

  • ServiSolutions

    7 hrs 7 mins

  • Suncoast Credit Union

    3 hrs 48 mins

  • 21st Mortgage Corporation

    20 hrs 2 mins

  • CMG Financial

    18 hrs 44 mins

  • Independent Bank (MI)

    16 hrs 8 mins

  • Fairway Independent Mortgage

    11 mins

  • United Community Bank [GA / SC]

    53 mins

  • West Gate Bank

    7 hrs 26 mins

  • Pennsylvania State Employees Credit Union

    20 hrs 35 mins

  • Guaranteed Rate

    2 hrs 25 mins

  • Indiana Members Credit Union

    2 hrs 10 mins

  • Mercantile Bank

    47 mins

  • Virginia Housing Development Authority

    1 day 23 hrs

  • Forum Credit Union

    5 hrs 35 mins

  • Redstone Federal Credit Union

    15 hrs 16 mins

  • Delta Community Credit Union

    1 day

  • Atlantic Bay Mortgage Group

    2 hrs 16 mins

  • Guardian Savings Bank

    2 days

  • Evergreen Home Loans

    15 mins

  • KeyBank National Association (HELOC)

    18 hrs 38 mins

  • Longbridge Financial LLC

    2 days 21 hrs

  • Flagstar Bank

    1 hr 41 mins

  • Associated Bank

    18 hrs 51 mins

  • SWBC

    11 mins

  • Lakeview by Valon

    18 hrs 16 mins

  • Aven

    1 day 2 hrs

  • Carrington Mortgage Services (Reverse Mortgage)

    1 day

  • First Citizens Bank & Trust Co.

    1 day 17 hrs

  • Consumers Credit Union

    18 hrs 1 min

  • Trustone Financial Credit Union

    4 hrs 28 mins

  • MIDFLORIDA Credit Union

    3 hrs 58 mins

  • Renasant Bank

    5 hrs 15 mins

  • Cornerstone Servicing

    1 day 6 hrs

  • Member First Mortgage

    10 hrs 14 mins

  • Utah Housing Corporation

    1 day 4 hrs

  • Mountain America Credit Union

    18 hrs 30 mins

  • Trustmark National Bank

    3 hrs 51 mins

  • Everwise Credit Union

    58 mins

  • Cornerstone Home Lending

    1 day 22 hrs

  • Stock Yards Bank & Trust

    4 hrs 27 mins

  • BMO Bank National Association (HELOC)

    1 day 19 hrs

  • Stockton Mortgage

    14 mins

  • First Financial Bank

    1 day 1 hr

  • America First Federal Credit Union - UT (HELOC)

    1 day

  • America First Federal Credit Union - UT

    1 day 3 hrs

  • Servion

    7 hrs 35 mins

  • Flat Branch Home Loans

    5 hrs 25 mins

  • HUD

    3 days 20 hrs

  • Columbia Bank

    21 hrs 42 mins

  • Wintrust Mortgage

    19 hrs 54 mins

  • Servbank

    2 days 20 hrs

  • Standard mortgage

    49 mins

  • Quorum Federal Credit Union

    22 hrs 17 mins

  • City National Bank (West Virginia, Kentucky)

    2 hrs 23 mins

  • Cadence Bank

    1 day

  • Truliant Federal Credit Union

    5 hrs 35 mins

  • TruHome Solutions

    1 day

  • Royal Credit Union

    4 hrs 41 mins

  • Affinity Plus Federal Credit Union

    1 day 6 hrs

  • Click n' Close, Inc.

    3 hrs

  • Randolph Brooks Federal Credit Union

    5 hrs 54 mins

  • First Technology Federal Credit Union

    1 day

  • Pinnacle Financial Partners

    5 hrs 31 mins

  • Northpointe Bank

    17 mins

  • UBS

    10 mins

  • Wesbanco

    21 hrs 37 mins

  • Rural 1st

    3 hrs 9 mins

  • Golden 1 Credit Union

    1 day 11 hrs

  • First Horizon

    10 mins

  • Citadel Servicing Corporation

    1 hr 41 mins

  • AmWest Funding Corp

    2 days 6 hrs

  • Elements Financial

    1 hr 6 mins

  • Liberty Federal Credit Union

    1 hr 3 mins

  • Interra Credit Union

    4 hrs

  • myCUmortgage

    3 mins

  • Fremont Bank

    3 days 7 hrs

  • Northwest Bank

    20 hrs 56 mins

  • Comerica

    1 day 2 hrs

  • Onity (Reverse Mortgage)

    1 day 22 hrs

  • WaFd Bank

    1 day 16 hrs

  • Seacoast National Bank

    2 days

  • Mission Servicing Residential, Inc.

    7 hrs 10 mins

  • Weststar Mortgage Corp

    2 days 22 hrs

  • STAR ONE CREDIT UNION

    14 hrs

  • VyStar Credit Union

    20 hrs 23 mins

  • SoFi

    2 days 4 hrs

  • The National Bank of Indianapolis

    18 hrs 34 mins

  • Sound Community Bank

    2 hrs 56 mins

  • M&T Bank (HELOC)

    1 day 5 hrs

  • Banner Bank

    4 hrs 46 mins

  • Mortgage Center LLC

    8 hrs 29 mins

  • Campus USA Credit Union

    1 hr 49 mins

  • United Bank

    18 hrs 16 mins

  • Stifel Bank and Trust

    12 mins

  • Veridian Credit Union

    1 hr 53 mins

  • First National Bank of America

    1 day

  • GreenStone Farm Credit Services

    15 hrs 57 mins

  • Think Mutual Bank

    1 hr 38 mins

  • Blaze Credit Union

    1 hr 5 mins

  • Primary Residential Mortgage, Inc.

    1 hr 49 mins

  • Schools First Federal Credit Union

    3 hrs 44 mins

  • California Housing Finance Authority

    17 hrs 27 mins

  • Mortgage 1 (MI)

    10 mins

  • Atlantic Union Bank

    1 day 23 hrs

  • Aim Loan

    4 days

  • Volunteer Mortgage Loan Servicing

    23 hrs 4 mins

  • Columbia Bank (HELOC)

    2 days

  • Space Coast Credit Union

    18 hrs 30 mins

  • Small Business Administration

    3 days 3 hrs

  • Camden National Bank

    1 day 2 hrs

  • Digital Federal Credit Union

    1 day

  • Knock Lending, LLC

    3 hrs 43 mins

  • Isabella Bank

    54 mins

  • Frost Bank

    17 hrs 35 mins

  • Merchants Bank

    5 hrs 12 mins

  • BankSouth Mortgage

    12 mins

  • Patelco Credit Union

    18 hrs 27 mins

  • Florida Credit Union

    3 hrs 18 mins

  • Goldenwest Credit Union

    19 hrs 4 mins

  • Genisys Credit Union

    3 hrs 34 mins

  • Land Home Financial Services

    5 days 10 hrs

  • Conventus LLC

    18 hrs 42 mins

  • Republic Bank

    5 hrs 19 mins

  • Towne Mortgage Company

    22 hrs 24 mins

  • Ephrata National Bank

    2 days 23 hrs

  • Founders Federal Credit Union

    1 hr 38 mins

  • Superior Loan Servicing

    22 hrs 35 mins

  • Intercap Lending

    2 hrs 16 mins

  • Choice One Bank

    2 hrs 10 mins

  • Oregon Community Credit Union

    1 day 23 hrs

  • South Carolina Federal Credit Union

    10 mins

  • Service Finance Company LLC

    4 hrs 46 mins

  • United Federal Credit Union

    1 day

  • Santander Bank

    14 mins

  • Service Federal Credit Union

    13 hrs 38 mins

  • Sunflower Bank

    5 hrs 37 mins

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

    21 hrs 10 mins

  • Bangor Savings Bank

    10 hrs 48 mins

  • S&T Bank

    5 hrs 39 mins

  • Commerce Bank

    1 hr 28 mins

  • Salem Five

    3 hrs 52 mins

  • FirstBank Mortgage

    23 hrs 20 mins

  • Travis Credit Union

    18 hrs 45 mins

  • SELCO CREDIT UNION

    2 hrs 18 mins

  • North Salem State Bank

    11 hrs 24 mins

  • CommonWealth Credit Union (Kentucky)

    20 hrs 41 mins

  • Park National Bank

    4 hrs 35 mins

  • SN Servicing Corporation

    3 days 5 hrs

  • First Community Credit Union (MO)

    23 hrs 21 mins

  • Central Bank

    4 hrs 12 mins

  • Nations Lending

    16 hrs 55 mins

Sorted by order volume · Last 12 months