Columbia Bank Mortgage Lending & HMDA Data, 2024
In 2024, Columbia Bank of Fair Lawn, NJ reported 1,725 mortgage applications totaling $581.5 million, down 23% from 2023. The average application was for $337,104, and applicants reported an average income of $185,271. 54% of its applications resulted in an originated loan and 16% were denied. Its largest markets were New York-Jersey City-White Plains, NY-NJ (601), Lakewood-New Brunswick, NJ (388) and Newark, NJ-PA (375) (applications in parentheses).
| 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 | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 1,725 |
| Total Mortgage Loan Application Amount | $581,505,000 |
| Average Mortgage Loan Application Amount | $337,104 |
| Highest Mortgage Loan Application Amount | $21,505,000 |
| Average Applicant Income | $185,271 |
| Highest Applicant Income | $4,986,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Columbia Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Bergen, New Jersey | 318 | $ 85,400,000 | $ 268,553 | $ 244,000 |
| Passaic, New Jersey | 219 | $ 75,585,000 | $ 345,136 | $ 147,000 |
| Middlesex, New Jersey | 180 | $ 39,880,000 | $ 221,555 | $ 139,000 |
| Union, New Jersey | 139 | $ 47,965,000 | $ 345,071 | $ 174,000 |
| Monmouth, New Jersey | 135 | $ 30,415,000 | $ 225,296 | $ 178,000 |
| Camden, New Jersey | 133 | $ 22,815,000 | $ 171,541 | $ 78,000 |
| Morris, New Jersey | 102 | $ 23,470,000 | $ 230,098 | $ 247,000 |
| Essex, New Jersey | 101 | $ 31,505,000 | $ 311,930 | $ 191,000 |
| Gloucester, New Jersey | 66 | $ 7,640,000 | $ 115,757 | $ 114,000 |
| Hudson, New Jersey | 62 | $ 95,190,000 | $ 1,535,322 | $ 166,000 |
| Burlington, New Jersey | 59 | $ 11,065,000 | $ 187,542 | $ 135,000 |
| Ocean, New Jersey | 41 | $ 11,215,000 | $ 273,536 | $ 322,000 |
| Somerset, New Jersey | 32 | $ 27,510,000 | $ 859,687 | $ 226,000 |
| Sussex, New Jersey | 21 | $ 5,065,000 | $ 241,190 | $ 174,000 |
| Hunterdon, New Jersey | 12 | $ 3,230,000 | $ 269,166 | $ 253,000 |
| Mercer, New Jersey | 10 | $ 3,520,000 | $ 352,000 | $ 293,000 |
| Orange, New York | 8 | $ 2,530,000 | $ 316,250 | $ 194,000 |
| Atlantic, New Jersey | 7 | $ 2,115,000 | $ 302,142 | $ 314,000 |
| Cape May, New Jersey | 7 | $ 4,245,000 | $ 606,428 | $ 914,000 |
| Philadelphia, Pennsylvania | 6 | $ 18,880,000 | $ 3,146,666 | $ 405,000 |
| Warren, New Jersey | 5 | $ 785,000 | $ 157,000 | $ 118,000 |
| Bucks, Pennsylvania | 5 | $ 1,555,000 | $ 311,000 | $ 312,000 |
| Montgomery, Pennsylvania | 4 | $ 3,100,000 | $ 775,000 | $ 619,000 |
| Monroe, Pennsylvania | 3 | $ 585,000 | $ 195,000 | $ 190,000 |
| Duval, Florida | 1 | $ 105,000 | $ 105,000 | $ 165,000 |
| Lee, Florida | 1 | $ 355,000 | $ 355,000 | $ 300,000 |
| Palm Beach, Florida | 1 | $ 325,000 | $ 325,000 | $ 279,000 |
| Cumberland, New Jersey | 1 | $ 5,585,000 | $ 5,585,000 | $ 0 |
| Rockland, New York | 1 | $ 445,000 | $ 445,000 | $ 373,000 |
| Westchester, New York | 1 | $ 205,000 | $ 205,000 | $ 411,000 |
| Clackamas, Oregon | 1 | $ 25,000 | $ 25,000 | $ 94,000 |
| Delaware, Pennsylvania | 1 | $ 1,905,000 | $ 1,905,000 | $ 0 |
| Lehigh, Pennsylvania | 1 | $ 265,000 | $ 265,000 | $ 96,000 |
| Luzerne, Pennsylvania | 1 | $ 495,000 | $ 495,000 | $ 0 |
| Pike, Pennsylvania | 1 | $ 205,000 | $ 205,000 | $ 115,000 |
| Wayne, Pennsylvania | 1 | $ 185,000 | $ 185,000 | $ 205,000 |
Mortgage Loan Application Detail Totals for Columbia Bank in 2024
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 |
|---|---|---|---|---|---|---|
| Other Purpose | 517 | $69,915,000 | $135,000 | $805,000 | $187,000 | $2,500,000 |
| Home Purchase | 514 | $306,830,000 | $596,000 | $21,505,000 | $165,000 | $4,986,000 |
| Home Improvement | 404 | $117,850,000 | $291,000 | $18,755,000 | $207,000 | $1,672,000 |
| Refinancing | 250 | $75,110,000 | $300,000 | $14,055,000 | $191,000 | $1,760,000 |
| Cash-out Refinancing | 38 | $11,690,000 | $307,000 | $765,000 | $177,000 | $655,000 |
| Not Applicable | 2 | $110,000 | $55,000 | $65,000 | $0 | $0 |
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 | 965 | $199,985,000 | $207,000 | $1,965,000 | $202,000 | $4,986,000 |
| Hispanic | 327 | $80,485,000 | $246,000 | $2,505,000 | $135,000 | $3,165,000 |
| Not Provided | 153 | $40,135,000 | $262,000 | $1,235,000 | $231,000 | $1,851,000 |
| Black or African American | 131 | $33,305,000 | $254,000 | $725,000 | $129,000 | $838,000 |
| Asian | 107 | $35,305,000 | $329,000 | $1,205,000 | $197,000 | $987,000 |
| Not applicable | 36 | $191,320,000 | $5,314,000 | $21,505,000 | $0 | $0 |
| American Indian or Alaskan Native | 3 | $305,000 | $101,000 | $155,000 | $122,000 | $165,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $255,000 | $255,000 | $255,000 | $195,000 | $195,000 |
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) | 1,720 | $580,050,000 | $337,000 | $21,505,000 | $186,000 | $4,986,000 |
| FHA-insured (Federal Housing Administration) | 4 | $1,130,000 | $282,000 | $475,000 | $106,000 | $162,000 |
| VA-guaranteed (Veterans Administration) | 1 | $325,000 | $325,000 | $325,000 | $155,000 | $155,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 935 | $359,595,000 | $384,000 | $21,505,000 | $192,000 | $3,619,000 |
| Application Denied By Financial Institution | 278 | $51,200,000 | $184,000 | $5,585,000 | $133,000 | $1,760,000 |
| Application Withdrawn By Applicant | 253 | $81,215,000 | $321,000 | $9,295,000 | $208,000 | $2,500,000 |
| Application Approved But Not Accepted | 111 | $48,505,000 | $436,000 | $14,175,000 | $168,000 | $1,113,000 |
| File Closed For Incompleteness | 108 | $24,740,000 | $229,000 | $1,965,000 | $238,000 | $4,986,000 |
| Preapproval Approved but not Accepted | 26 | $11,880,000 | $456,000 | $805,000 | $256,000 | $1,851,000 |
| Preapproval Denied by Financial Institution | 12 | $4,260,000 | $355,000 | $715,000 | $89,000 | $192,000 |
| Loan Purchased By The Institution | 2 | $110,000 | $55,000 | $65,000 | $0 | $0 |
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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,435 | $526,045,000 | $366,000 | $21,505,000 | $197,000 | $4,986,000 |
| Debt-To-Income Ratio | 162 | $30,380,000 | $187,000 | $1,505,000 | $100,000 | $479,000 |
| Credit History | 100 | $13,780,000 | $137,000 | $755,000 | $138,000 | $388,000 |
| Collateral | 24 | $5,180,000 | $215,000 | $585,000 | $327,000 | $1,760,000 |
| Other | 2 | $200,000 | $100,000 | $105,000 | $93,000 | $121,000 |
| Employment History | 1 | $335,000 | $335,000 | $335,000 | $109,000 | $109,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $5,585,000 | $5,585,000 | $5,585,000 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Columbia Bank's 2024 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.
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