Columbia Bank (New Jersey) mortgage approval rate & lending review
Columbia Bank (New Jersey) decided 3,013 mortgage applications and funded 2,223 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Columbia Bank (New Jersey) reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Columbia Bank (New Jersey) at a glance
Approval is 6.8 points above the 76.2% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 93% | 1,127 / 1,212 | 89% | $435K | 1,001 |
| Home improvement loans | 73% | 689 / 949 | 89% | $105K | 613 |
| Cash-out refinance | 88% | 98 / 111 | 85% | $375K | 83 |
| Refinance | 79% | 510 / 645 | 90% | $155K | 457 |
| Investment property purchase | 91% | 31 / 34 | 90% | $415K | 28 |
| Investment refinance | 83% | 25 / 30 | 88% | $325K | 22 |
Columbia Bank (New Jersey) lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New Jersey | 83% | $365K | 2,953 | 2,175 |
| Pennsylvania | 90% | $275K | 39 | 32 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Columbia Bank (New Jersey) lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Bergen County, NJ | Home improvement loans | 75% | 216 | 149 |
| Camden County, NJ | Mortgage lenders | 95% | 151 | 133 |
| Bergen County, NJ | Refinance | 83% | 155 | 124 |
| Essex County, NJ | Mortgage lenders | 89% | 154 | 114 |
| Passaic County, NJ | Mortgage lenders | 95% | 121 | 107 |
| Bergen County, NJ | Mortgage lenders | 92% | 115 | 101 |
| Union County, NJ | Mortgage lenders | 88% | 126 | 98 |
| Middlesex County, NJ | Mortgage lenders | 92% | 117 | 87 |
| Hudson County, NJ | Mortgage lenders | 99% | 86 | 76 |
| Passaic County, NJ | Home improvement loans | 62% | 134 | 70 |
| Middlesex County, NJ | Home improvement loans | 71% | 98 | 60 |
| Monmouth County, NJ | Home improvement loans | 81% | 80 | 59 |
The county markets where Columbia Bank (New Jersey) made the most loans. Each link opens that market with every lender ranked.
Questions about Columbia Bank (New Jersey)
What is Columbia Bank (New Jersey)'s mortgage approval rate?
Columbia Bank (New Jersey) approved 83.1% of the 3,013 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 6.8 points above the 76.2% national rate for the same mix of loan types.
How often do borrowers take the loan Columbia Bank (New Jersey) offers?
Borrowers accepted 89% of the loans Columbia Bank (New Jersey) approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Columbia Bank (New Jersey) make?
The typical home purchase mortgage loan Columbia Bank (New Jersey) made was $435K; across all loan types its typical loan ran from $105K to $435K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Columbia Bank (New Jersey) lend?
Columbia Bank (New Jersey) decided applications in 4 of the states Fat Boy Data covers, most of them in New Jersey, Pennsylvania and New York.
Can I apply to Columbia Bank (New Jersey) directly?
Yes. Columbia Bank (New Jersey) is a bank or credit union with 435 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Columbia Bank (New Jersey)'s interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Columbia Bank (New Jersey) treats applications, then get a rate quote from the lender.