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Underwriting Turn Times

If you have any questions on the status of your loan(s), please contact Mortgage Support at

Our current turntimes are 24-48 hours

USDA Commitment Turn Times  -   currently working on files from 5/17/2024

Important things to remember:

Files submitted after 11 am count for the next day

Weekends do not count in the work days

If your file has MI or USDA Submissions needed, the turn time may be longer

USDA Commitment Turn Times are dictated by USDA only.  FSB does not have any control over these turn times.


2024 FSB Holidays 

The following holidays will affect FSB's turn times and will not count for Recission & TRID dates as we will be closed:

January 1st-New Year's Day

January 15th-MLKJ Day

February 19th-President's Day 

May 27th-Memorial Day

June 19th-Juneteenth (observed)

July 4th-Independence Day

September 2nd-Labor Day

October 14th-Columbus Day

November 28th-Thanksgiving

November 29th-Day after Thanksgiving*

December 25th-Christmas Day 

*will count for Recission or TRID dates

Closing Turn Times 

Closings can occur on the 2nd business day after the day it is scheduled. Please UPLOAD the signed Initial CD and your Closing Request Form to the file after the Clear to Close is received. FINAL your file to allow us to confirm the closing date back to you!

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