How long does mortgage approval take?

From application to closing, the process often takes 30–45 days or more, depending on the lender, loan type, and complexity of your file. Pre-approval may take a few days; full underwriting and closing can take several weeks.

Stages typically include application, document submission, underwriting, conditional approval, clearing conditions, and closing. Delays can come from missing documents, appraisal issues, or title work.

Tracking your applications with each lender helps you stay on top of status and timelines. If you’re comparing offers from multiple lenders, knowing where each one stands can help you plan when to lock and close.

A lender directory and tracking tool can help you manage which lenders you’ve applied with and where each application stands. That way you can compare quotes and follow up without losing track.