We sub within 1 day always - remember i have the drag and drop OCR so it does bank statement parsing asap. its costly. Usually 1 day at max 2 days depending on the time of day.
one thing we started doing is bonusing reps on "app and bank packages"

Fund them, i'd as MistaMCA as i dont keep track of days to fund as much as conversion rate. we convert (since we dont pre - scrub files) 25% approval to fund. I do need reps as im short on talent but we do have pleny of "openers" or lead generators but short on good closers.