Homebuyers in Essex County County who chose Columbia Bank paid $8,450 less in closing costs than the county median.
County Median Costs
$8,975
+20.1% vs New Jersey ($7,473)
Median Rate
6.380%
−1.7% vs national (6.490%)
Median Origination
$1,890
Purchase Originations
4,141
Denial Rate
7.2%
vs New Jersey avg (5.9%)
vs New Jersey Median
20.1% above
$1,502
vs National Median
34.4% above
$2,295
68 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $525 | 6.000% | $0 | 19 | −$7,181 | |
| 2 | $5,155 | 6.500% | $820 | 11 | −$2,551 | |
| 3 | $5,440 | 6.433% | $0 | 14 | −$2,266 | |
| 4 | $5,574 | 5.625% | $790 | 58 | −$2,132 | |
| 5 | $5,613 | 5.750% | $495 | 56 | −$2,093 | |
| 6 | $6,023 | 6.000% | $867 | 11 | −$1,683 | |
| 7 | $6,176 | 6.058% | $1,175 | 22 | −$1,530 | |
| 8 | $6,306 | 6.875% | $1,095 | 19 | −$1,400 | |
| 9 | $6,412 | 6.375% | $1,595 | 102 | −$1,294 | |
| 10 | $6,484 | 6.750% | $1,884 | 18 | −$1,222 | |
| 11 | $6,494 | 6.375% | $1,145 | 11 | −$1,212 | |
| 12 | $6,497 | 6.625% | $1,400 | 83 | −$1,209 | |
| 13 | $6,526 | 6.575% | $1,590 | 87 | −$1,180 | |
| 14 | $6,533 | 6.312% | $1,588 | 180 | −$1,173 | |
| 15 | $6,680 | 6.875% | $1,299 | 18 | −$1,026 | |
| 16 | $6,836 | 5.625% | $825 | 18 | −$870 | |
| 17 | $6,838 | 6.000% | $950 | 97 | −$868 | |
| 18 | $6,974 | 5.750% | $1,500 | 42 | −$732 | |
| 19 | $6,995 | 6.125% | $1,345 | 12 | −$711 | |
| 20 | $7,078 | 6.250% | $1,645 | 14 | −$628 | |
| 21 | $7,101 | 6.375% | $1,245 | 56 | −$605 | |
| 22 | $7,138 | 6.688% | $1,525 | 10 | −$568 | |
| 23 | $7,138 | 5.875% | $995 | 12 | −$568 | |
| 24 | $7,149 | 5.625% | $1,530 | 98 | −$557 | |
| 25 | $7,248 | 6.875% | $1,845 | 24 | −$458 |
Includes lenders with 10+ purchase originations in Essex County County. Source: HMDA 2025. Sorted by median total loan costs.
View detailed closing cost breakdowns and user reviews for lenders in New Jersey → Lender Directory
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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.