Columbia Bank closing costs and rates (2024)
In 2024, Columbia Bank originated 1,228 purchase mortgages at a median interest rate of 6.75% and median total closing costs of $7,088. That ranks #315 nationally by origination volume. For total closing costs among lenders with 500+ originations, Columbia Bank ranks #374. That is $347 above the national median of $6,741. Columbia Bank is most active in Oregon with 602 originations there.
Purchase Originations
1,228
Ranked #315 nationally
Median Total Costs
$7,088
+5.2% vs national ($6,741)
Median Rate
6.750%
+2.0% vs national (6.620%)
Median Origination
$3,834
Median Lender Credits
$375
Cost Rank (500+ vol.)
#374
among lenders with 500+ originations
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 1,093 | 6.750% | $6,729 | $3,709 |
| fha | 72 | 6.250% | $14,765 | $5,476 |
| va | 58 | 6.500% | $6,960 | $3,486 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Oregon | 602 | 6.750% | $6,791 | #14 |
| Washington | 403 | 6.750% | $7,225 | #36 |
| California | 138 | 6.812% | $7,577 | #172 |
| Idaho | 54 | 6.562% | $7,115 | #67 |
| Nevada | 14 | 6.375% | $7,541 | — |
| Arizona | 13 | 6.750% | $6,365 | — |
| Colorado | 2 | 5.750% | $7,867 | — |
| Montana | 2 | 6.875% | $6,148 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,911 | 7.125% | — | 20 | −$3,177 | |
| 2 | $4,436 | 6.750% | — | 32 | −$2,652 | |
| 3 | $5,051 | 6.875% | — | 21 | −$2,037 | |
| 4 | $5,889 | 6.875% | — | 30 | −$1,199 | |
| 5 | $5,910 | 6.750% | — | 44 | −$1,178 | |
| 6 | $6,066 | 6.688% | — | 30 | −$1,022 | |
| 7 | $6,136 | 6.625% | — | 44 | −$952 | |
| 8 | $6,139 | 6.812% | — | 20 | −$949 | |
| 9 | $6,359 | 6.875% | — | 25 | −$729 | |
| 10 | $6,787 | 6.875% | — | 24 | −$301 | |
| 11 | $7,107 | 6.750% | — | 85 | +$19 | |
| 12 | $7,185 | 6.750% | — | 31 | +$97 | |
| 13 | $7,359 | 6.375% | — | 21 | +$271 | |
| 14 | $7,518 | 6.500% | — | 32 | +$430 | |
| 15 | $7,691 | 6.500% | — | 75 | +$603 | |
| 16 | $8,335 | 6.375% | — | 39 | +$1,247 | |
| 17 | $8,337 | 6.688% | — | 28 | +$1,249 | |
| 18 | $8,489 | 6.500% | — | 51 | +$1,401 | |
| 19 | $8,604 | 6.500% | — | 20 | +$1,516 | |
| 20 | $9,500 | 6.875% | — | 58 | +$2,412 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
Data source: HMDA Modified Loan Application Register 2024, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.