it really depends on the bank and the deal. If you ask for a payoff letter from a bank on a deal that has not performed well you will be amazed how fast they get it for you. The same time the opposite is also true, if you ask for a payoff letter on a good deal that has performed well. In that case they are going to take their time and give the in house renewal department a chance to try and get the deal done so they can keep the deal in house