Columbia Bank (Washington) mortgage approval rate & lending review
Columbia Bank (Washington) decided 11,700 mortgage applications and funded 8,750 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Columbia Bank (Washington) reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Columbia Bank (Washington) at a glance
Approval is 3.6 points above the 74.2% 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 | 92% | 3,309 / 3,588 | 97% | $365K | 3,204 |
| Home improvement loans | 71% | 3,103 / 4,387 | 96% | $105K | 2,976 |
| Cash-out refinance | 85% | 360 / 423 | 94% | $345K | 339 |
| Refinance | 71% | 1,772 / 2,505 | 96% | $235K | 1,699 |
| Investment property purchase | 90% | 278 / 310 | 99% | $455K | 274 |
| Investment cash-out refinance | 90% | 62 / 69 | 94% | $265K | 58 |
| Investment refinance | 68% | 119 / 176 | 93% | $405K | 111 |
| Investment home improvement | 40% | 96 / 242 | 93% | $205K | 89 |
Columbia Bank (Washington) lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Washington | 77% | $265K | 5,048 | 3,737 |
| Oregon | 80% | $305K | 4,055 | 3,119 |
| California | 75% | $235K | 2,010 | 1,426 |
| Idaho | 81% | $345K | 341 | 275 |
| Nevada | 81% | $305K | 108 | 87 |
| Arizona | 83% | $485K | 103 | 85 |
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 (Washington) lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| King County, WA | Home improvement loans | 75% | 652 | 462 |
| King County, WA | Mortgage lenders | 93% | 309 | 282 |
| Lane County, OR | Mortgage lenders | 91% | 306 | 274 |
| King County, WA | Refinance | 74% | 363 | 261 |
| Pierce County, WA | Home improvement loans | 71% | 357 | 247 |
| Deschutes County, OR | Mortgage lenders | 95% | 257 | 234 |
| Benton County, WA | Mortgage lenders | 95% | 213 | 191 |
| Multnomah County, OR | Mortgage lenders | 94% | 194 | 179 |
| Clark County, WA | Home improvement loans | 76% | 249 | 178 |
| Pierce County, WA | Refinance | 74% | 238 | 169 |
| Marion County, OR | Mortgage lenders | 91% | 185 | 165 |
| Douglas County, OR | Mortgage lenders | 96% | 171 | 163 |
The county markets where Columbia Bank (Washington) made the most loans. Each link opens that market with every lender ranked.
Questions about Columbia Bank (Washington)
What is Columbia Bank (Washington)'s mortgage approval rate?
Columbia Bank (Washington) approved 77.8% of the 11,700 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 3.6 points above the 74.2% national rate for the same mix of loan types.
How often do borrowers take the loan Columbia Bank (Washington) offers?
Borrowers accepted 96% of the loans Columbia Bank (Washington) approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Columbia Bank (Washington) make?
The typical home improvement loan loan Columbia Bank (Washington) made was $105K; across all loan types its typical loan ran from $105K to $455K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Columbia Bank (Washington) lend?
Columbia Bank (Washington) decided applications in 12 of the states Fat Boy Data covers, most of them in Washington, Oregon and California.
Can I apply to Columbia Bank (Washington) directly?
Yes. Columbia Bank (Washington) 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 (Washington)'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 (Washington) treats applications, then get a rate quote from the lender.