Turn Times
Current estimated service leves for approved broker partners
Last Updated: May 5, 2026 • 9:15 AM PT
Disclosures
24 hrs
Underwriting
24-48 hrs
Condition Review
24-48 hrs
Loan Docs
24 hrs
Funding
24 hrs
Wholesale Turn Times
| LOAN TYPE | SUBMISSION | DISCLOSURES | UNDERWRITING | CONDITION REVIEW | LOAN DOCS | FUNDING |
|---|---|---|---|---|---|---|
| CONFORMING / HIGH BALANCE | Same Day | 24 hrs | 24-48 hrs | 24-48 hrs | 24 hrs | 24 hrs |
| GOVERNMENT | Same Day | 24 hrs | 24-48 hrs | 24-48 hrs | 24 hrs | 24 hrs |
| NON-QM | Same Day | 24 hrs | 24-48 hrs | 24-48 hrs | 24 hrs | 24 hrs |
| 2ND LIEN | Same Day | 24 hrs | 24-48 hrs | 24-48 hrs | 24 hrs | 24 hrs |
Cut-Off Times
Submissions
3:00 PM PT
Lock Requests
3:00 PM PT
Lock Revisions
3:00 PM PT
Loans received after cut-off times will be considered received the next business day.
How Business Days Are Counted
Turn times begin after a complete request is received before the applicable cut-off time.
Example 1
File received Monday by 3:00 PM PT
Day 1 = Tuesday
Example 2
File received Monday after 3:00 PM PT
Day 1 = Wednesday
Notes
Turn times are estimates and may vary based on loan complexity, investor requirements, and volume.
Pacific Bay Lending Group reserves the right to modify turn times at any time without prior notice.