Updated January 11, 2021

Thank you for applying for a loan with Spectrum Credit Union. Due to unprecedented demand for mortgages and refinances we want to help set your expectations for our current processing times. 

If you are buying a home, our objective is to fund your loan by your contracted close of escrow date. Due to appraisal turn times and regulatory requirements, we require a minimum of 30 days to process your purchase loan. Please remember that we rely on your engagement with us during the process to meet your contracted close of escrow date.

If you are applying for a refinance, second mortgage, or home equity loan, our time to complete your loan may take 100 – 120 days. If you have a specific “need by date,” please let us know so we can prioritize your special circumstance to the best of our ability. Please rest assured that we will honor the agreed upon rate you selected at the beginning of the process through the completion of your loan.


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