# Columbia Bank

> **Canonical URL:** https://saferate.com/lenders/columbia-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Columbia Bank is a bank, headquartered in Fair Lawn, NJ, serving borrowers across 3 states, with 355 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 4% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 41% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 5493005LKFCLR81TSN28
- **Headquarters:** Fair Lawn, NJ
- **Geographic Reach:** Regional
- **States Served:** 3
- **State List:** NJ, NY, PA
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 98.5%
- **Brokered/Wholesale:** 1.5%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 96/100
- Rating: ●●●●● (5/5)

### Pull Through: Sound ☺️
- Score: 59/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.601%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $274
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 355
- **Dollar Volume:** $131 million
- **Applications Received:** 527
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $370,324
- **Average Borrower Income:** $156,011
- **Average Property Value:** $525,254

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (65%)
- ⭐ **Purchase Gold Superstar** (65%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 54/100 | 347 | -0.610% | $268 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 296 loans, Score: 55/100 (Sound)
- Refinance: 51 loans, Score: 48/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 53/100 | 304 | $117M | -0.704% | Sound ☺️ |
| Refinance | 45/100 | 51 | $14M | +0.022% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NJ | 349 | 0.41% | 84/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| New York | NY-NJ | 115 | 71/100 |
| Camden, NJ | NJ | 103 | 75/100 |
| Newark, NJ | NJ | 67 | 70/100 |
| Lakewood | NJ | 60 | 66/100 |

## Where This Lender Ranks

Columbia Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#7** in Camden, NJ Banks
  - [View Full Rankings](https://saferate.com/camden-nj/best-mortgage-lenders/banks)
- 🏆 **#9** in New Jersey Banks
  - [View Full Rankings](https://saferate.com/new-jersey/best-mortgage-lenders/banks)
- 🏆 **#12** in Camden, NJ for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/camden-nj/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#13** in New York Banks
  - [View Full Rankings](https://saferate.com/new-york/best-mortgage-lenders/banks)
- 🏆 **#14** in New York for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/new-york/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#14** in Newark, NJ Banks
  - [View Full Rankings](https://saferate.com/newark-nj/best-mortgage-lenders/banks)
- 🏆 **#14** in Newark, NJ for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/newark-nj/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#15** in New Jersey for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/new-jersey/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#15** in Camden, NJ
  - [View Full Rankings](https://saferate.com/camden-nj/best-mortgage-lenders)
- 🏆 **#15** in Lakewood Banks
  - [View Full Rankings](https://saferate.com/lakewood/best-mortgage-lenders/banks)
- 🏆 **#16** in New Jersey
  - [View Full Rankings](https://saferate.com/new-jersey/best-mortgage-lenders)
- 🏆 **#16** in Lakewood for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/lakewood/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#17** in New Jersey for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/new-jersey/best-mortgage-lenders/banks/jumbo-loans)

## Frequently Asked Questions

### What loan types does Columbia Bank offer?

Columbia Bank offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Columbia Bank offer mortgages?

Columbia Bank offers mortgages in 3 states: NJ, NY, PA.

### How competitive are Columbia Bank's mortgage rates?

Columbia Bank has a pricing score of 96/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.601% below market average.

### What type of lender is Columbia Bank?

Columbia Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Fair Lawn, NJ.

### What is Columbia Bank's loan approval success rate?

Columbia Bank has a pull-through score of 59/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/columbia-bank

### How to Cite

> "Columbia Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/columbia-bank

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