Lender in New Jersey · HMDA 2025
Columbia Bank mortgages in New Jersey
Columbia Bank's 2025 home-purchase and refinance lending in New Jersey, compared with all lenders in the state.
Columbia Bank originated 307 owner-occupied single-family loans in New Jersey from 361 completed applications.
Its median conventional purchase loan costs were $730 versus $6,720 for all New Jersey lenders, at a median 30-year fixed rate of 5.875% (New Jersey: 6.625%).
Loans in NJ
307
of 361 applications
Denial rate
5.3%
Purchase · NJ 8.4%
Rate spread
−0.56 pts
Conv. · NJ +0.12 pts
Loan amount
$375,000
Purchase · NJ $455,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 263 | 230 | 5.3% | 5.875% | −0.56 pts | $730 | $375,000 |
| Refinance | 45 | 33 | 20.0% | — | −0.17 pts | $0 | $275,000 |
| Cash-out refinance | 53 | 44 | 7.5% | 5.500% | −0.69 pts | $0 | $405,000 |
*Conventional loans only; medians with at least 20 loans.
New Jersey counties where Columbia Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Passaic County | 19 | 40 | 1.1% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology