Columbia Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the D grade breaks down
Each component is a percentile rank among 581 mid-size mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
16th23.9% deniedPricingmedian rate spread over APOR, weight 30%
23rd0.47 ptsProcesswithdrawn + incomplete share, weight 15%
34th19.9%Closing coststotal loan costs ÷ loan amount, weight 10%
99th0.26% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 2,118 | 1,152 | 13.9% | 17.8% | 5.99% | $671M |
| 2024 | 1,685 | 935 | 16.5% | 21.0% | 6.99% | $360M |
| 2025 | 1,557 | 867 | 19.1% | 23.9% | 6.74% | $739M |
What Columbia Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 563 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 135 investment properties.
Why Columbia Bank denies applications
Primary reason reported for each of the 298 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Columbia Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 85 | 25 | 57.6% |
| $50k – $100k | 339 | 163 | 31.8% |
| $100k – $150k | 359 | 197 | 26.9% |
| $150k – $250k | 351 | 208 | 19.9% |
| Over $250k | 267 | 157 | 14.3% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 20 | 14 | 16.7% |
| 25–34 | 174 | 108 | 14.9% |
| 35–44 | 272 | 146 | 24.9% |
| 45–54 | 317 | 159 | 29.9% |
| 55–64 | 352 | 182 | 28.6% |
| 65–74 | 216 | 117 | 26.5% |
| Over 74 | 84 | 47 | 19.4% |
Where Columbia Bank lends
3 states and 29 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| New Jersey | 1,534 | 850 | 19.4% | 6.74% | #48 |
| Pennsylvania | 22 | 17 | 4.6% | 6.30% | #589 |
Frequently asked questions
Columbia Bank denied 23.9% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 16th percentile of mid-size mortgage lenders.
The most common reason Columbia Bank gave in 2025 was "debt-to-income ratio", cited on 50.0% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Columbia Bank originated in 2025 was 6.74%, and its median rate spread over the average prime offer rate was 0.47 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 30% of its applications were for home purchases, 24% for refinancing (including cash-out), and 46% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.