The days between application and transfer approval seem to be definitely slowing down and stretching out. When i got my latest approval Sept 2 it was from a transfer initiated On june 2 or about 90 days. By late Sept the time between submission and approvals was 128-130 days. Now the approvals seem tot be taking mid 130s, even though, by the chart, the latest days in June have far fewer applications than the early days.