Columbia Bank
Columbia Bank received 1,557 applications in 2025 and made 867 mortgages, in 29 counties across 3 states. The median rate its borrowers got was 6.740% on a median loan of $205,000. Of 1,247 decisions, 298 were denials — 23.9%, most often for debt-to-income ratio.
| Legal Entity Identifier | 5493005LKFCLR81TSN28 |
|---|---|
| Applications received | 1,557 |
| Mortgages made | 867 |
| Denied | 298 |
| Approved, not taken up | 82 |
| Withdrawn or incomplete | 310 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.471 points |
| FDIC-insured bank | Yes: Columbia Bank, 369 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 302 | 6.125% | $405,000 | 8.9% |
| Refinancing | 190 | 6.745% | $235,000 | 22.0% |
| Cash-out refinancing | 45 | 5.500% | $405,000 | 8.9% |
| Other purposes | 330 | 7.500% | $85,000 | 35.9% |
Where Columbia Bank lends most
The 29 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Bergen County, NJ | 169 | 7.500% | 25.1% |
| Passaic County, NJ | 110 | 6.500% | 29.5% |
| Middlesex County, NJ | 80 | 6.500% | 19.8% |
| Morris County, NJ | 65 | 7.375% | 20.2% |
| Essex County, NJ | 64 | 6.375% | 28.3% |
| Monmouth County, NJ | 63 | 6.740% | 21.8% |
| Camden County, NJ | 61 | 6.250% | 20.9% |
| Union County, NJ | 56 | 6.740% | 27.8% |
| Gloucester County, NJ | 36 | 6.313% | 20.8% |
| Hudson County, NJ | 34 | 5.990% | 19.2% |
| Burlington County, NJ | 32 | 6.740% | 25.5% |
| Ocean County, NJ | 26 | 6.933% | 14.7% |
| Somerset County, NJ | 25 | 7.375% | 20.6% |
| Sussex County, NJ | 8 | Under 10 loans | 46.7% |
| Warren County, NJ | 7 | Under 10 loans | 0.0% |
| Cape May County, NJ | 5 | Under 10 loans | 28.6% |
| Montgomery County, PA | 5 | Under 10 loans | 0.0% |
| Atlantic County, NJ | 4 | Under 10 loans | 20.0% |
| Bucks County, PA | 3 | Under 10 loans | 0.0% |
| Delaware County, PA | 3 | Under 10 loans | 0.0% |
| Hunterdon County, NJ | 2 | Under 10 loans | 33.3% |
| Mercer County, NJ | 2 | Under 10 loans | 33.3% |
| Chester County, PA | 2 | Under 10 loans | 0.0% |
| Philadelphia County, PA | 2 | Under 10 loans | 33.3% |
| Salem County, NJ | 1 | Under 10 loans | 0.0% |
| Berks County, PA | 1 | Under 10 loans | 0.0% |
| Northampton County, PA | 1 | Under 10 loans | 0.0% |
| Palm Beach County, FL | 0 | Under 10 loans | Not published |
| Centre County, PA | 0 | Under 10 loans | Not published |
Get told when this changes
When Columbia Bank’s figures are published for the next year, or restated.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.