Is Treadstone Funding Open on Columbus Day?

Treadstone Funding is open on Columbus Day/Indigenous People’s Day, Monday, October 12, 2026.

Our team will be at their desks and ready to help. Our offices in Grand Rapids, Lansing, Traverse City, Marshall, and East Lansing are open regular business hours. But before you call with a closing or a rate lock on the calendar, there’s something important to know.

Columbus Day is a federal holiday — which means banks, bond markets, and wire transfer systems are closed even though we’re not. If you have a closing or a rate lock expiring near October 12, a little planning now goes a long way. Here’s everything you need to know.

 

We’re Open — But the Federal System Isn’t

A home loan runs on three separate calendars:

• Our office calendar: When our local staff is available to help you.
• The federal banking calendar: When wire transfers can move and closings can officially fund.
• The bond market calendar: When interest rates are actively trading, allowing you to lock or change an interest rate.

On Columbus Day, our calendar is open — but the other two are not. Federal banks and bond markets are closed on Monday, October 12. That means wire transfers won’t move and rate locks can’t be placed or changed, even if you’re able to reach us directly.

If your timeline touches that window, now is the time to talk through it with your Loan Officer.

 

What You Can Do on Columbus Day

Because our offices are open, you have more options than a typical holiday weekend:

• Talk to a Loan Officer: Our team is available and ready to answer questions, review your file, and help you plan next steps.
• Start or continue your online application: Our application portal is available around the clock. If you’ve been meaning to get started, this is a great day to make progress.
• Gather and upload documents: Collect your W-2s, pay stubs, bank statements, and tax returns and upload them securely to your loan portal. The more your file is ready to go, the faster we can move once markets reopen.
• Research loan programs: Use the time to compare your options — Conventional, FHA, USDA, VA — so you come to your next conversation prepared with the right questions.
• Run payment scenarios: Use our online calculators to explore what different purchase prices, down payments, and loan types look like as a monthly payment.

 

What Has to Wait Until Tuesday, October 13

Even with our doors open, certain steps in the loan process depend on federal systems that are dark on Columbus Day:

• You cannot lock a rate: The bond market must be open to secure or change your interest rate. Rate locks resume Tuesday morning.
• You cannot fund a closing: Federal wire transfers do not move on federal holidays, so closings cannot officially fund until banks reopen October 13.
• You cannot pull certain third-party verifications: Services like IRS tax transcripts are paused during federal holidays.

 

Planning Around Columbus Day

The good news: you can talk to us. The important thing is making sure your timeline accounts for what the federal system can and can’t do. If your closing date or rate lock expiration falls on or near Monday, October 12, reach out to your Loan Officer before the weekend.

Wire cutoffs, title company schedules, and lock windows all tighten around federal holidays. A quick conversation on Friday, October 9 can help you avoid any surprises on Tuesday. We’re here to help you map it out.

 

FAQs About Treadstone’s Columbus Day Hours

Is Treadstone Funding open on Columbus Day?

Yes. Our offices in Grand Rapids, Lansing, Traverse City, Marshall, and East Lansing are open regular business hours on Monday, October 12, 2026.

If Treadstone is open, can I close my loan on Columbus Day?

No. Even though our offices are open, Columbus Day is a federal holiday. Banks and federal wire systems are closed, which means closings cannot officially fund until Tuesday, October 13.

Can I lock a mortgage rate on Columbus Day?

No. The bond market is closed on federal holidays, including Columbus Day. Rate locks and rate changes resume on Tuesday, October 13.

What mortgage services are available on Columbus Day?

You can speak directly with a Loan Officer, start or continue your online application, upload documents to your loan portal, and use our online calculators. Rate locks, closings, and federal verifications must wait until Tuesday, October 13.

My closing or rate lock is near Columbus Day — what should I do?

Contact your Loan Officer before the weekend. Because federal banking and bond markets are closed on October 12, it’s important to plan around that gap. We’ll help you map out a timeline that keeps everything on track.

When do federal banking and bond markets reopen after Columbus Day?

Federal banks and bond markets reopen on Tuesday, October 13, 2026. Our team will be fully staffed and ready to move your file forward.