Purchase Originations
1,237
Ranked #318 nationally
Median Total Costs
$6,822
+2.1% vs national ($6,680)
↓ $266 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$3,220
Median Lender Credits
$670
Cost Rank (500+ vol.)
#348
among lenders with 500+ originations
Denial Rate
5.7%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 1,106 | 6.750% | $6,440 | $3,129 |
| fha | 69 | 6.125% | $14,376 | $4,615 |
| va | 57 | 6.000% | $7,022 | $2,960 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Oregon | 573 | 6.625% | $6,270 | #19 |
| Washington | 446 | 6.625% | $7,290 | #37 |
| California | 145 | 6.750% | $8,317 | #167 |
| Idaho | 42 | 6.750% | $7,485 | — |
| Arizona | 15 | 6.875% | $6,103 | — |
| Nevada | 8 | 6.875% | $11,349 | — |
| Colorado | 5 | 6.875% | $3,821 | — |
| Utah | 2 | 6.625% | $4,690 | — |
| Alaska | 1 | 6.500% | $10,720 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,843 | 6.750% | — | 25 | −$2,979 | |
| 2 | $4,530 | 6.938% | — | 30 | −$2,292 | |
| 3 | $4,847 | 6.875% | — | 41 | −$1,975 | |
| 4 | $6,017 | 6.375% | — | 44 | −$805 | |
| 5 | $6,226 | 6.125% | — | 19 | −$596 | |
| 6 | $6,492 | 6.750% | — | 22 | −$330 | |
| 7 | $6,529 | 6.688% | — | 76 | −$293 | |
| 8 | $6,670 | 6.500% | — | 62 | −$152 | |
| 9 | $6,884 | 6.875% | — | 28 | +$62 | |
| 10 | $6,968 | 6.812% | — | 20 | +$146 | |
| 11 | $7,241 | 6.500% | — | 39 | +$419 | |
| 12 | $7,496 | 6.500% | — | 92 | +$674 | |
| 13 | $7,527 | 6.562% | — | 24 | +$705 | |
| 14 | $7,586 | 6.500% | — | 17 | +$764 | |
| 15 | $7,988 | 6.875% | — | 59 | +$1,166 | |
| 16 | $8,378 | 6.625% | — | 29 | +$1,556 | |
| 17 | $8,814 | 6.375% | — | 26 | +$1,992 | |
| 18 | $9,114 | 6.375% | — | 44 | +$2,292 | |
| 19 | $9,746 | 6.875% | — | 23 | +$2,924 | |
| 20 | $9,840 | 6.500% | — | 32 | +$3,018 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Columbia Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $405,000 | $335,000 | +$70,000 (+20.9%) |
| Median total closing costs | $6,822 | $7,127 | −$305 (−4.3%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, 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.