Mortgage lenders talk a lot about rate competitiveness, processing speed, and borrower experience. But one variable consistently escapes that conversation appraisal of turn time. The time between the appraisal order and the delivered report can make or break a closing timeline. Yet many lenders treat it as an acceptable unknown, something that happens on the AMC\'s side of the wall that they can\'t really control. That mindset is costing them loans.