Homebuyers in Passaic County County who chose Columbia Bank paid $8,570 less in closing costs than the county median.
County Median Costs
$9,095
+21.7% vs New Jersey ($7,473)
Median Rate
6.500%
+0.1% vs national (6.490%)
Median Origination
$2,577
Purchase Originations
2,511
Denial Rate
6.0%
vs New Jersey avg (5.9%)
vs New Jersey Median
21.7% above
$1,622
vs National Median
36.1% above
$2,415
47 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $525 | 5.000% | $0 | 31 | −$6,887 | |
| 2 | $5,564 | 6.000% | $1,395 | 29 | −$1,848 | |
| 3 | $5,598 | 5.875% | $1,430 | 13 | −$1,814 | |
| 4 | $5,682 | 6.495% | $1,595 | 82 | −$1,730 | |
| 5 | $5,770 | 6.375% | $1,491 | 20 | −$1,642 | |
| 6 | $5,793 | 6.750% | $1,621 | 10 | −$1,619 | |
| 7 | $5,846 | 6.375% | $1,280 | 11 | −$1,566 | |
| 8 | $5,957 | 6.625% | $1,400 | 57 | −$1,455 | |
| 9 | $6,087 | 6.625% | $1,590 | 49 | −$1,325 | |
| 10 | $6,107 | 6.875% | $1,095 | 17 | −$1,305 | |
| 11 | $6,146 | 6.537% | $1,640 | 110 | −$1,266 | |
| 12 | $6,165 | 6.750% | $1,790 | 15 | −$1,247 | |
| 13 | $6,188 | 6.375% | $1,299 | 26 | −$1,224 | |
| 14 | $6,265 | 6.375% | $1,682 | 74 | −$1,147 | |
| 15 | $6,294 | 6.500% | $1,640 | 13 | −$1,118 | |
| 16 | $6,622 | 7.125% | $1,641 | 10 | −$790 | |
| 17 | $6,626 | 6.125% | $2,082 | 20 | −$786 | |
| 18 | $6,704 | 6.250% | $1,325 | 16 | −$708 | |
| 19 | $6,841 | 6.125% | $950 | 20 | −$571 | |
| 20 | $6,854 | 6.500% | $1,395 | 19 | −$558 | |
| 21 | $7,294 | 6.490% | $2,411 | 12 | −$118 | |
| 22 | $7,328 | 6.438% | $4,080 | 80 | −$84 | |
| 23 | $7,358 | 6.990% | $1,299 | 12 | −$54 | |
| 24 | $7,516 | 6.750% | $3,220 | 42 | +$104 | |
| 25 | $8,050 | 6.740% | $1,590 | 147 | +$638 |
Includes lenders with 10+ purchase originations in Passaic 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.