Lock desk & turn times.

The clock matters — here's ours. Live desk status, daily cutoffs, and how fast files are actually moving.

Lock desk

Hours

7:30 AM – 4:00 PM

Monday – Friday

Your time now

—

Pacific Time

Lock extensions

Via SKY Port

Same-day processing

Locks requested after close are priced at the next business day’s rates.

Daily cutoffs

New locks

Until 4:00 PM PT

New submissions

By 2:00 PM PT for same-day setup

Conditions

By 3:00 PM PT for same-day review

Funding requests

By 11:00 AM PT for same-day wire

Live turn times

Where files stand today.

All times in business days. Submissions after 2:00 PM PT count as next business day.

StagePurchaseRefinance

Initial disclosuresPurchase1 dayRefinance1 day

UnderwritingPurchase1–2 daysRefinance1–2 days

Conditions reviewPurchase1 dayRefinance1–2 days

CD issuancePurchase1 dayRefinance1 day

Docs & fundingPurchase1–2 daysRefinance1–2 days

Clear skies: files are moving faster than our 30-day average.