A Business day is defined slightly differently between Loan Estimates and Closing Disclosures. For Loan Estimates, each day in which a creditors offices are open to the public count as a business day.

Loan estimates must be delivered or placed in the mail no later than the 3rd business day after receiving your loan application. For Closing Disclosures, a business day is defined as all calendar days except Sundays and the Federal public holidays The Closing Disclosure must be provided to you at least 3 business days PRIOR to loan consummation.