Columbia Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2006
Columbia Bank 2006 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Columbia Bank 19-01 Route 208 Fair Lawn, NJ 07410 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 2,290 |
| Total Mortgage Loan Application Amount | $435,385,000 |
| Average Mortgage Loan Application Amount | $209,666 |
| Highest Mortgage Loan Application Amount | $2,600,000 |
| Average Applicant Income | $135,000 |
| Highest Applicant Income | $7,290,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2006 with Columbia Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Columbia Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2006 breaks down Columbia Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Columbia Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Columbia Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Columbia Bank's mortgage activity for 2006.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Bergen County New Jersey | 540 | $ 125,679,000 | $ 232,000 | $ 163,000 |
| Passaic County New Jersey | 291 | $ 42,201,000 | $ 145,000 | $ 101,000 |
| Camden County New Jersey | 236 | $ 21,933,000 | $ 92,000 | $ 88,000 |
| Middlesex County New Jersey | 234 | $ 37,538,000 | $ 160,000 | $ 100,000 |
| Gloucester County New Jersey | 155 | $ 12,889,000 | $ 83,000 | $ 84,000 |
| Monmouth County New Jersey | 141 | $ 31,447,000 | $ 223,000 | $ 132,000 |
| Morris County New Jersey | 134 | $ 33,478,000 | $ 249,000 | $ 161,000 |
| Burlington County New Jersey | 129 | $ 12,273,000 | $ 95,000 | $ 73,000 |
| Union County New Jersey | 88 | $ 18,040,000 | $ 205,000 | $ 202,000 |
| Ocean County New Jersey | 74 | $ 21,962,000 | $ 296,000 | $ 280,000 |
| Essex County New Jersey | 70 | $ 23,711,000 | $ 338,000 | $ 172,000 |
| Somerset County New Jersey | 38 | $ 11,452,000 | $ 301,000 | $ 207,000 |
| Sussex County New Jersey | 32 | $ 5,315,000 | $ 166,000 | $ 114,000 |
| Hudson County New Jersey | 29 | $ 7,836,000 | $ 270,000 | $ 128,000 |
| Cape May County New Jersey | 18 | $ 6,066,000 | $ 337,000 | $ 213,000 |
| Mercer County New Jersey | 15 | $ 2,923,000 | $ 194,000 | $ 140,000 |
| Atlantic County New Jersey | 12 | $ 3,350,000 | $ 279,000 | $ 109,000 |
| Warren County New Jersey | 9 | $ 971,000 | $ 107,000 | $ 80,000 |
| Salem County New Jersey | 6 | $ 673,000 | $ 112,000 | $ 72,000 |
| Hunterdon County New Jersey | 5 | $ 4,359,000 | $ 871,000 | $ 171,000 |
| Orange County New York | 4 | $ 415,000 | $ 103,000 | $ 100,000 |
| Rockland County New York | 2 | $ 285,000 | $ 142,000 | $ 138,000 |
| Cumberland County New Jersey | 1 | $ 105,000 | $ 105,000 | $ 60,000 |
Mortgage Loan Application Detail Totals for Columbia Bank in 2006
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 956 | $174,681,000 | $182,000 | $2,075,000 | $135,000 | $7,290,000 |
| Home Improvement | 817 | $78,311,000 | $95,000 | $2,150,000 | $114,000 | $1,665,000 |
| Home Purchase | 517 | $182,393,000 | $352,000 | $2,600,000 | $156,000 | $2,915,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 1,709 | $312,847,000 | $183,000 | $2,600,000 | $140,000 | $7,290,000 |
| Not Provided | 163 | $33,942,000 | $208,000 | $1,388,000 | $210,000 | $3,532,000 |
| Not applicable | 145 | $33,831,000 | $233,000 | $2,075,000 | $0 | $0 |
| Hispanic | 108 | $21,302,000 | $197,000 | $675,000 | $96,000 | $757,000 |
| Asian | 94 | $21,657,000 | $230,000 | $938,000 | $133,000 | $671,000 |
| Black or African American | 56 | $9,552,000 | $170,000 | $1,125,000 | $103,000 | $1,126,000 |
| Native Hawaiian or Other Pacific Islander | 12 | $2,067,000 | $172,000 | $546,000 | $104,000 | $228,000 |
| American Indian or Alaskan Native | 3 | $187,000 | $62,000 | $105,000 | $46,000 | $61,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 2,269 | $431,280,000 | $190,000 | $2,600,000 | $134,000 | $7,290,000 |
| FHA-insured (Federal Housing Administration) | 21 | $4,105,000 | $195,000 | $401,000 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 1,737 | $326,362,000 | $187,000 | $2,150,000 | $150,000 | $7,290,000 |
| Application Approved But Not Accepted | 151 | $31,583,000 | $209,000 | $1,500,000 | $115,000 | $1,174,000 |
| Application Denied By Financial Institution | 133 | $21,225,000 | $159,000 | $1,950,000 | $74,000 | $348,000 |
| Loan Purchased By The Institution | 131 | $22,676,000 | $173,000 | $416,000 | $0 | $0 |
| Application Withdrawn By Applicant | 83 | $18,402,000 | $221,000 | $2,600,000 | $103,000 | $848,000 |
| File Closed For Incompleteness | 28 | $4,653,000 | $166,000 | $700,000 | $109,000 | $600,000 |
| Preapproval Approved but not Accepted | 24 | $9,464,000 | $394,000 | $960,000 | $123,000 | $321,000 |
| Preapproval Denied by Financial Institution | 3 | $1,020,000 | $340,000 | $500,000 | $65,000 | $114,000 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 83 | $12,838,000 | $154,000 | $1,950,000 | $66,000 | $348,000 |
| Credit History | 30 | $6,107,000 | $203,000 | $700,000 | $86,000 | $300,000 |
| Collateral | 15 | $1,563,000 | $104,000 | $356,000 | $84,000 | $188,000 |
| Other | 3 | $490,000 | $163,000 | $370,000 | $85,000 | $173,000 |
| Unverifiable Information | 3 | $347,000 | $115,000 | $210,000 | $82,000 | $177,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $500,000 | $500,000 | $500,000 | $114,000 | $114,000 |
| Credit Application Incomplete | 1 | $400,000 | $400,000 | $400,000 | $125,000 | $125,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Columbia Bank's 2006 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Columbia Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in New Jersey, download the full spreadsheet
with aggregated HMDA statistics today.