What are processing times?

Processing times tell you how long you can expect it will take us to process an application under normal circumstances.

A processing time starts the day we receive an application and ends when we make a decision. If you apply by mail, the time starts when your application arrives in our mailroom. If you apply online or in-person, it starts when you submit your application.

Various factors can affect the processing time including:

• the type of application submitted
• if the application is complete
• how quickly we process applications we’ve already received
• how easily we can verify your information
• how long you take to respond to any request or concerns
• other factors

We have an explanation below each processing time for how it’s calculated.

See, “how are processing times calculated?”