Columbia Bank Mortgage Lending & HMDA Data, 2025

In 2025, Columbia Bank of Lake Oswego, OR reported 8,378 mortgage applications totaling $2.8 billion, up 4% from 2024. The average application was for $330,416, and applicants reported an average income of $192,195. 58% of its applications resulted in an originated loan and 24% were denied. Its largest markets were Portland-Vancouver-Hillsboro, OR-WA (1,105), Seattle-Bellevue-Everett, WA (633) and Tacoma-Lakewood, WA (388) (applications in parentheses).

Mortgage Company & Address Columbia Bank
5885 Meadows Rd Suite 400
Lake Oswego, OR 97035
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 8,378
Total Mortgage Loan Application Amount $2,768,230,000
Average Mortgage Loan Application Amount $330,416
Highest Mortgage Loan Application Amount $16,505,000
Average Applicant Income $192,195
Highest Applicant Income $9,293,000

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Act (HMDA) records Columbia Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Columbia Bank by County in 2025

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
King, Washington 633 $ 327,955,000 $ 518,096 $ 310,000
Pierce, Washington 388 $ 101,690,000 $ 262,087 $ 179,000
Lane, Oregon 321 $ 85,915,000 $ 267,647 $ 139,000
Multnomah, Oregon 292 $ 72,080,000 $ 246,849 $ 172,000
Clark, Washington 286 $ 84,990,000 $ 297,167 $ 161,000
Marion, Oregon 248 $ 76,780,000 $ 309,596 $ 172,000
Deschutes, Oregon 246 $ 106,720,000 $ 433,821 $ 207,000
Clackamas, Oregon 235 $ 96,485,000 $ 410,574 $ 231,000
Benton, Washington 228 $ 67,400,000 $ 295,614 $ 169,000
Douglas, Oregon 217 $ 49,895,000 $ 229,930 $ 111,000
Snohomish, Washington 215 $ 79,565,000 $ 370,069 $ 237,000
Spokane, Washington 201 $ 75,505,000 $ 375,646 $ 155,000
Washington, Oregon 177 $ 52,515,000 $ 296,694 $ 209,000
Jackson, Oregon 160 $ 38,030,000 $ 237,687 $ 159,000
Linn, Oregon 151 $ 34,915,000 $ 231,225 $ 121,000
Coos, Oregon 120 $ 21,090,000 $ 175,750 $ 99,000
Kootenai, Idaho 117 $ 39,615,000 $ 338,589 $ 172,000
Franklin, Washington 116 $ 26,560,000 $ 228,965 $ 120,000
Benton, Oregon 115 $ 37,055,000 $ 322,217 $ 182,000
Kitsap, Washington 103 $ 39,265,000 $ 381,213 $ 179,000
Sonoma, California 93 $ 45,395,000 $ 488,118 $ 417,000
Polk, Oregon 93 $ 18,965,000 $ 203,924 $ 116,000
Kittitas, Washington 88 $ 27,920,000 $ 317,272 $ 254,000
Umatilla, Oregon 85 $ 16,475,000 $ 193,823 $ 117,000
Sacramento, California 81 $ 29,775,000 $ 367,592 $ 299,000
Klamath, Oregon 75 $ 12,735,000 $ 169,800 $ 113,000
Bonner, Idaho 74 $ 26,140,000 $ 353,243 $ 135,000
Lincoln, Oregon 72 $ 15,770,000 $ 219,027 $ 140,000
Yakima, Washington 69 $ 22,245,000 $ 322,391 $ 114,000
Thurston, Washington 68 $ 23,080,000 $ 339,411 $ 197,000
Whatcom, Washington 67 $ 18,285,000 $ 272,910 $ 202,000
Shasta, California 66 $ 18,260,000 $ 276,666 $ 152,000
Yamhill, Oregon 66 $ 19,240,000 $ 291,515 $ 198,000
Los Angeles, California 63 $ 33,625,000 $ 533,730 $ 284,000
Humboldt, California 61 $ 17,615,000 $ 288,770 $ 158,000
Placer, California 61 $ 28,495,000 $ 467,131 $ 331,000
Contra Costa, California 60 $ 20,670,000 $ 344,500 $ 246,000
Klickitat, Washington 60 $ 20,330,000 $ 338,833 $ 151,000
Cowlitz, Washington 58 $ 16,610,000 $ 286,379 $ 230,000
Wasco, Oregon 55 $ 12,885,000 $ 234,272 $ 130,000
Clatsop, Oregon 54 $ 29,790,000 $ 551,666 $ 162,000
Grant, Washington 54 $ 12,500,000 $ 231,481 $ 113,000
Walla Walla, Washington 54 $ 11,650,000 $ 215,740 $ 108,000
El Dorado, California 52 $ 17,510,000 $ 336,730 $ 245,000
Okanogan, Washington 49 $ 12,485,000 $ 254,795 $ 167,000
Curry, Oregon 48 $ 11,070,000 $ 230,625 $ 134,000
Tehama, California 47 $ 7,245,000 $ 154,148 $ 130,000
Baker, Oregon 47 $ 9,035,000 $ 192,234 $ 97,000
Idaho, Idaho 46 $ 7,950,000 $ 172,826 $ 89,000
Josephine, Oregon 46 $ 9,000,000 $ 195,652 $ 98,000
Maricopa, Arizona 45 $ 34,695,000 $ 771,000 $ 684,000
Stanislaus, California 42 $ 11,470,000 $ 273,095 $ 174,000
Union, Oregon 42 $ 4,860,000 $ 115,714 $ 95,000
Wallowa, Oregon 42 $ 10,300,000 $ 245,238 $ 127,000
Calaveras, California 40 $ 6,680,000 $ 167,000 $ 149,000
Washoe, Nevada 39 $ 25,545,000 $ 655,000 $ 384,000
Marin, California 38 $ 20,730,000 $ 545,526 $ 331,000
Orange, California 38 $ 31,790,000 $ 836,578 $ 527,000
Skagit, Washington 38 $ 8,230,000 $ 216,578 $ 135,000
Napa, California 37 $ 13,405,000 $ 362,297 $ 226,000
Lake, California 36 $ 6,540,000 $ 181,666 $ 155,000
Alameda, California 35 $ 18,825,000 $ 537,857 $ 253,000
Tillamook, Oregon 35 $ 9,915,000 $ 283,285 $ 184,000
Clallam, Washington 34 $ 9,130,000 $ 268,529 $ 213,000
San Diego, California 33 $ 25,385,000 $ 769,242 $ 409,000
Mendocino, California 32 $ 11,880,000 $ 371,250 $ 162,000
Nez Perce, Idaho 29 $ 6,575,000 $ 226,724 $ 143,000
Grays Harbor, Washington 29 $ 5,215,000 $ 179,827 $ 119,000
Lewis, Washington 29 $ 7,015,000 $ 241,896 $ 111,000
Glenn, California 28 $ 4,000,000 $ 142,857 $ 79,000
Sutter, California 28 $ 6,720,000 $ 240,000 $ 178,000
Riverside, California 27 $ 14,045,000 $ 520,185 $ 370,000
Canyon, Idaho 27 $ 7,795,000 $ 288,703 $ 132,000
Skamania, Washington 27 $ 5,705,000 $ 211,296 $ 153,000
Tuolumne, California 26 $ 4,410,000 $ 169,615 $ 119,000
Ada, Idaho 26 $ 9,630,000 $ 370,384 $ 178,000
Yuba, California 24 $ 4,360,000 $ 181,666 $ 141,000
Harney, Oregon 24 $ 4,400,000 $ 183,333 $ 70,000
Whitman, Washington 24 $ 4,000,000 $ 166,666 $ 166,000
Hood River, Oregon 23 $ 10,435,000 $ 453,695 $ 225,000
Jefferson, Oregon 23 $ 7,835,000 $ 340,652 $ 161,000
Butte, California 22 $ 3,890,000 $ 176,818 $ 231,000
Columbia, Oregon 22 $ 3,960,000 $ 180,000 $ 112,000
Crook, Oregon 22 $ 11,290,000 $ 513,181 $ 256,000
Washington, Idaho 21 $ 2,345,000 $ 111,666 $ 89,000
Malheur, Oregon 21 $ 3,705,000 $ 176,428 $ 93,000
Mason, Washington 21 $ 5,855,000 $ 278,809 $ 154,000
San Luis Obispo, California 20 $ 10,660,000 $ 533,000 $ 229,000
Solano, California 20 $ 7,110,000 $ 355,500 $ 315,000
Latah, Idaho 20 $ 14,230,000 $ 711,500 $ 110,000
Shoshone, Idaho 20 $ 2,890,000 $ 144,500 $ 161,000
San Joaquin, California 19 $ 3,875,000 $ 203,947 $ 187,000
Valley, Idaho 19 $ 5,505,000 $ 289,736 $ 276,000
Chelan, Washington 19 $ 7,435,000 $ 391,315 $ 259,000
Douglas, Washington 18 $ 4,430,000 $ 246,111 $ 151,000
Adams, Washington 17 $ 3,975,000 $ 233,823 $ 178,000
Island, Washington 17 $ 9,285,000 $ 546,176 $ 262,000
Merced, California 16 $ 6,250,000 $ 390,625 $ 172,000
San Francisco, California 15 $ 10,905,000 $ 727,000 $ 684,000
Morrow, Oregon 15 $ 2,805,000 $ 187,000 $ 87,000
Boundary, Idaho 14 $ 3,030,000 $ 216,428 $ 218,000
Santa Barbara, California 13 $ 6,445,000 $ 495,769 $ 145,000
Yolo, California 13 $ 3,675,000 $ 282,692 $ 163,000
Fresno, California 12 $ 1,650,000 $ 137,500 $ 114,000
Benewah, Idaho 12 $ 3,840,000 $ 320,000 $ 160,000
Asotin, Washington 12 $ 1,810,000 $ 150,833 $ 78,000
Amador, California 11 $ 2,145,000 $ 195,000 $ 127,000
Santa Clara, California 11 $ 8,645,000 $ 785,909 $ 403,000
Siskiyou, California 11 $ 1,955,000 $ 177,727 $ 180,000
Gooding, Idaho 11 $ 2,035,000 $ 185,000 $ 91,000
Payette, Idaho 11 $ 1,955,000 $ 177,727 $ 83,000
Stevens, Washington 11 $ 3,155,000 $ 286,818 $ 121,000
Clark, Nevada 10 $ 8,300,000 $ 830,000 $ 916,000
Jefferson, Washington 10 $ 3,750,000 $ 375,000 $ 253,000
Pima, Arizona 7 $ 2,615,000 $ 373,571 $ 197,000
Colusa, California 7 $ 745,000 $ 106,428 $ 72,000
Nevada, California 7 $ 2,235,000 $ 319,285 $ 201,000
San Mateo, California 7 $ 4,575,000 $ 653,571 $ 453,000
Adams, Idaho 7 $ 895,000 $ 127,857 $ 106,000
San Juan, Washington 7 $ 3,185,000 $ 455,000 $ 274,000
Kern, California 6 $ 1,680,000 $ 280,000 $ 120,000
Pinal, Arizona 5 $ 1,185,000 $ 237,000 $ 143,000
San Bernardino, California 5 $ 3,175,000 $ 635,000 $ 322,000
Trinity, California 5 $ 725,000 $ 145,000 $ 110,000
Hawaii, Hawaii 5 $ 2,485,000 $ 497,000 $ 169,000
Twin Falls, Idaho 5 $ 1,285,000 $ 257,000 $ 160,000
Lyon, Nevada 5 $ 1,485,000 $ 297,000 $ 170,000
Lincoln, Washington 5 $ 885,000 $ 177,000 $ 82,000
Pend Oreille, Washington 5 $ 1,355,000 $ 271,000 $ 122,000
Santa Cruz, California 4 $ 3,880,000 $ 970,000 $ 277,000
Tulare, California 4 $ 790,000 $ 197,500 $ 82,000
Ventura, California 4 $ 2,240,000 $ 560,000 $ 174,000
Gilliam, Oregon 4 $ 1,030,000 $ 257,500 $ 142,000
Sherman, Oregon 4 $ 820,000 $ 205,000 $ 113,000
Utah, Utah 4 $ 1,670,000 $ 417,500 $ 439,000
Columbia, Washington 4 $ 810,000 $ 202,500 $ 117,000
Pacific, Washington 4 $ 1,050,000 $ 262,500 $ 106,000
Mohave, Arizona 3 $ 1,255,000 $ 418,333 $ 126,000
Yuma, Arizona 3 $ 275,000 $ 91,666 $ 163,000
Douglas, Colorado 3 $ 4,125,000 $ 1,375,000 $ 75,000
Weber, Utah 3 $ 855,000 $ 285,000 $ 133,000
Coconino, Arizona 2 $ 1,070,000 $ 535,000 $ 480,000
Del Norte, California 2 $ 300,000 $ 150,000 $ 103,000
Mariposa, California 2 $ 310,000 $ 155,000 $ 133,000
Modoc, California 2 $ 340,000 $ 170,000 $ 135,000
San Benito, California 2 $ 1,660,000 $ 830,000 $ 391,000
El Paso, Colorado 2 $ 330,000 $ 165,000 $ 105,000
Fremont, Colorado 2 $ 1,040,000 $ 520,000 $ 168,000
Jefferson, Colorado 2 $ 270,000 $ 135,000 $ 110,000
Larimer, Colorado 2 $ 1,110,000 $ 555,000 $ 439,000
Mesa, Colorado 2 $ 460,000 $ 230,000 $ 82,000
Bingham, Idaho 2 $ 590,000 $ 295,000 $ 92,000
Blaine, Idaho 2 $ 13,010,000 $ 6,505,000 $ 3,165,000
Clearwater, Idaho 2 $ 430,000 $ 215,000 $ 70,000
Owyhee, Idaho 2 $ 160,000 $ 80,000 $ 89,000
Douglas, Nevada 2 $ 6,210,000 $ 3,105,000 $ 637,000
Grant, Oregon 2 $ 490,000 $ 245,000 $ 73,000
Salt Lake, Utah 2 $ 820,000 $ 410,000 $ 201,000
Fairbanks North Star, Alaska 1 $ 415,000 $ 415,000 $ 578,000
Haines, Alaska 1 $ 425,000 $ 425,000 $ 180,000
Matanuska-Susitna, Alaska 1 $ 265,000 $ 265,000 $ 578,000
Navajo, Arizona 1 $ 485,000 $ 485,000 $ 204,000
Santa Cruz, Arizona 1 $ 65,000 $ 65,000 $ 207,000
Yavapai, Arizona 1 $ 125,000 $ 125,000 $ 43,000
Lassen, California 1 $ 65,000 $ 65,000 $ 170,000
Monterey, California 1 $ 255,000 $ 255,000 $ 182,000
Arapahoe, Colorado 1 $ 255,000 $ 255,000 $ 265,000
Boulder, Colorado 1 $ 725,000 $ 725,000 $ 271,000
Denver, Colorado 1 $ 255,000 $ 255,000 $ 100,000
Weld, Colorado 1 $ 535,000 $ 535,000 $ 156,000
Maui, Hawaii 1 $ 405,000 $ 405,000 $ 189,000
Bannock, Idaho 1 $ 105,000 $ 105,000 $ 73,000
Boise, Idaho 1 $ 805,000 $ 805,000 $ 284,000
Bonneville, Idaho 1 $ 335,000 $ 335,000 $ 90,000
Cassia, Idaho 1 $ 125,000 $ 125,000 $ 136,000
Jerome, Idaho 1 $ 185,000 $ 185,000 $ 44,000
Lewis, Idaho 1 $ 105,000 $ 105,000 $ 106,000
Ravalli, Montana 1 $ 165,000 $ 165,000 $ 64,000
Yellowstone, Montana 1 $ 75,000 $ 75,000 $ 46,000
Humboldt, Nevada 1 $ 465,000 $ 465,000 $ 614,000
Lake, Oregon 1 $ 225,000 $ 225,000 $ 180,000
Washington, Utah 1 $ 505,000 $ 505,000 $ 418,000
Garfield, Washington 1 $ 15,000 $ 15,000 $ 62,000
Wahkiakum, Washington 1 $ 505,000 $ 505,000 $ 226,000

Mortgage Loan Application Detail Totals for Columbia Bank in 2025

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
Home Purchase 2,760 $1,223,090,000 $443,000 $16,505,000 $189,000 $6,744,000
Home Improvement 2,199 $419,385,000 $190,000 $3,005,000 $179,000 $9,293,000
Refinancing 1,636 $654,730,000 $400,000 $10,005,000 $220,000 $4,845,000
Other Purpose 1,383 $314,975,000 $227,000 $4,005,000 $198,000 $5,755,000
Cash-out Refinancing 400 $156,050,000 $390,000 $2,205,000 $153,000 $1,310,000
Not Applicable 0 $0 $0 $0 $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 5,516 $1,650,660,000 $299,000 $4,405,000 $184,000 $9,293,000
Not Provided 1,418 $587,870,000 $414,000 $10,005,000 $237,000 $6,744,000
Hispanic 682 $163,610,000 $239,000 $1,845,000 $148,000 $4,845,000
Asian 383 $174,735,000 $456,000 $4,905,000 $253,000 $2,535,000
Not applicable 165 $140,135,000 $849,000 $16,505,000 $160,000 $3,159,000
Black or African American 110 $27,900,000 $253,000 $1,005,000 $171,000 $1,949,000
American Indian or Alaskan Native 78 $17,770,000 $227,000 $1,005,000 $121,000 $525,000
Native Hawaiian or Other Pacific Islander 26 $5,550,000 $213,000 $865,000 $134,000 $429,000

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) 7,937 $2,612,785,000 $329,000 $16,505,000 $197,000 $9,293,000
FHA-insured (Federal Housing Administration) 258 $87,110,000 $337,000 $1,175,000 $97,000 $449,000
VA-guaranteed (Veterans Administration) 164 $63,900,000 $389,000 $1,185,000 $112,000 $429,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 19 $4,435,000 $233,000 $375,000 $75,000 $138,000

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 4,843 $1,672,135,000 $345,000 $16,505,000 $216,000 $9,293,000
Application Denied By Financial Institution 1,986 $504,550,000 $254,000 $4,205,000 $136,000 $2,773,000
Application Withdrawn By Applicant 669 $268,275,000 $401,000 $4,905,000 $199,000 $3,459,000
File Closed For Incompleteness 467 $193,025,000 $413,000 $4,405,000 $205,000 $3,766,000
Application Approved But Not Accepted 149 $33,815,000 $226,000 $1,205,000 $212,000 $2,698,000
Preapproval Approved but not Accepted 131 $56,855,000 $434,000 $1,795,000 $155,000 $664,000
Loan Purchased By The Institution 85 $23,085,000 $271,000 $805,000 $149,000 $3,159,000
Preapproval Denied by Financial Institution 48 $16,490,000 $343,000 $2,005,000 $85,000 $663,000

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
Not applicable 6,344 $2,247,190,000 $354,000 $16,505,000 $211,000 $9,293,000
Debt-To-Income Ratio 994 $284,690,000 $286,000 $2,005,000 $102,000 $927,000
Credit History 609 $107,905,000 $177,000 $2,205,000 $135,000 $2,773,000
Collateral 295 $73,355,000 $248,000 $4,205,000 $219,000 $2,748,000
Other 65 $23,085,000 $355,000 $3,005,000 $242,000 $1,150,000
Unverifiable Information 42 $20,740,000 $493,000 $2,005,000 $169,000 $836,000
Employment History 17 $5,635,000 $331,000 $1,925,000 $70,000 $400,000
Insufficient Cash (Downpayment, Closing Cost) 9 $3,385,000 $376,000 $2,005,000 $141,000 $663,000
Credit Application Incomplete 3 $2,245,000 $748,000 $1,505,000 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Columbia Bank's 2025 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.
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