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How long does the mortgage approval process take?

The time it takes to get approved for a mortgage can vary depending on the application and individual circumstances. SFCU mortgage applications average approximately 17 days from application to approval.

The entire mortgage process averages approximately 55 days, from application through the remaining steps needed to complete the mortgage process.

Mortgage timelines can vary. Factors that may affect how long the process takes include:

  • Appraisal completion
  • Title work
  • Required documentation
  • Borrower responsiveness, including how quickly requested information or documents are provided
  • Other circumstances specific to the property or mortgage application

Providing complete and accurate documentation and responding promptly to requests for additional information can help keep your mortgage application moving through the process.

Keep in mind: The 17-day approval and 55-day total process are averages, not guaranteed timelines. Every mortgage application is different, and actual processing and closing times may vary.

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Not a Member?

We’d love to welcome you to the SFCU family! Getting started is easy.  Just click the link below to begin opening your account.

Open an Account

Already a Member?

Head over to online or mobile to add a new product. See ‘Applications’ under ‘Account Services’ Menu. Or select ‘Add a Product’ to get started now.

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Check your application status

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