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Columbia Bank's Mortgage Rates

ANNUAL PERCENTAGE RATE = APR

Fixed Rate Products Only
All Rates Subject to Change at Any Time1

Traditional Mortgage Products
Limited to $484,350

 Product Type Points Interest Rates  APR2  P&I Per $1,000 
30 Year Fixed 0 PT

4.000%

4.031%

360 Payments of $4.77

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1 PT

3.875%

4.020%

360 Payments of $4.70

Apply Now
25 Year Fixed 0 PT

4.000%

4.036%

300 Payments of $5.28

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1 PT

3.750%

3.917%

300 Payments of $5.14

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20 Year Fixed 0 PT

3.750%

3.792%

240 Payments of $5.93

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1 PT

3.500%

3.699%

240 Payments of $5.80

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15 Year Fixed 0 PT

3.375%

3.429%

180 Payments of $7.09

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1 PT

3.250%

3.505%

180 Payments of $7.03

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10 Year Fixed 0 PT

3.250%

3.328%

120 Payments of $9.77

Apply Now

1 PT

N/A

N/A

N/A

Apply Now

Traditional Mortgage Products
$484,351 to $1,000,000

 Product Type Points  Interest Rates  APR4  P&I Per $,1000 
30 Year Fixed 0 PT

4.000%

4.014%

360 Payments of $4.77

Apply Now

1 PT

3.875%

3.987%

360 Payments of $4.70

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25 Year Fixed 0 PT

4.000%

4.017%

300 Payments of $5.28

Apply Now

1 PT

3.750%

3.878%

300 Payments of $5.14

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20 Year Fixed 0 PT

3.750%

3.770%

240 Payments of $5.93

Apply Now

1 PT

3.500%

3.653%

240 Payments of $5.80

Apply Now
15 Year Fixed 0 PT

3.375%

3.400%

180 Payments of $7.09

Apply Now

1 PT

3.250%

3.447%

180 Payments of $7.03

Apply Now
10 Year Fixed 0 PT

3.250%

3.286%

120 Payments of $9.77

Apply Now
  1 PT

N/A

N/A

N/A

Apply Now

Biweekly Mortgage Products
Limited to $484,350

 Product Type Points  Interest Rates  APR2  P&I Per $1,000 
30 Year Fixed Bi-Weekly 0 PT

4.000%

4.007%

671 Payments of $2.39

Apply Now

1 PT

3.875%

4.011%

673 Payments of $2.35

Apply Now
20 Year Fixed Bi-Weekly 0 PT

3.750%

3.806%

461 Payments of $2.97

Apply Now

1 PT

3.500%

3.729%

463 Payments of $2.90

Apply Now
15 Year Fixed Bi-Weekly 0 PT

3.375%

3.448%

351 Payments of $3.55

Apply Now

1 PT

3.250%

3.544%

351 Payments of $3.52

Apply Now

Biweekly Mortgage Products
$484,351 to $1,000,000

 Product Type Points  Interest Rates  APR3  P&I Per $1,000  
30 Year Fixed Bi-Weekly 0 PT

4.000%

3.989%

671 Payments of $2.39

Apply Now
  1 PT 

3.875%

3.974%

673 Payments of $2.35

Apply Now
20 Year Fixed Bi-Weekly 0 PT 

3.750%

3.781%

461 Payments of $2.97

Apply Now
  1 PT 

3.500%

3.679%

463 Payments of $2.90

Apply Now
15 Year Fixed Bi-Weekly 0 PT 

3.375%

3.416%

351 Payments of $3.55

Apply Now
  1 PT 

3.250%

3.479%

351 Payments of $3.52

Apply Now

[1] Rates quoted are for single-family, owner-occupied primary and secondary residences located in New Jersey.  Rates quoted assume a loan to value ratio of 80% and a credit score of 740. Your actual rate will depend upon several factors including, but not limited to, the loan type, loan size, property type, loan purpose, your credit score and property value. Private mortgage insurance (“PMI”) may be required depending upon Columbia Bank’s lending policy.  If PMI is required, the mortgage insurance premium may increase the APR and monthly mortgage payment.  All loans are subject to approval in accordance with Columbia Bank’s lending policies.  Any adjustable rate mortgage meeting any of the rate adjustments mentioned above will warrant an increase in both initial fixed rate and margin.  (All else, an increase in the rate for fixed rate mortgage).  Please contact Columbia Bank at (800) 522-4167 for further details. 

[2] APR calculation is based upon a loan amount of $350,000, and includes fee estimates for flood certification, real estate tax service, settlement / closing, fifteen (15) days of prepaid interest, an origination fee, and points, if applicable.

[3] APR calculation is based upon a loan amount of $750,000, and includes fee estimates for flood certification, real estate tax service, settlement / closing, fifteen (15) days of prepaid interest, an origination fee, and points, if applicable.


All Rates Subject to Change at Any Time1

Columbia Bank $475 Low Fee Home Purchase Program2
$100,000 to $484,350

 Product Type Points  Interest Rates  APR3  P&I Per $1,000  Apply 
30 Year Fixed - Low Fee Program N/A 4.125%

4.150%

360 Payments of $4.85

Apply Now
25 Year Fixed - Low Fee Program N/A 4.125%

4.154%

300 Payments of $5.35

Apply Now
20 Year Fixed - Low Fee Program N/A

3.875%

3.909%

240 Payments of $5.99

Apply Now
15 Year Fixed - Low Fee Program N/A

3.500%

3.554%

180 Payments of $7.15

Apply Now
10 Year Fixed - Low Fee Program N/A

3.375%

3.438%

120 Payments of $9.83

Apply Now

Columbia Bank $475 Low Fee Home Purchase Program2
$484,351 to $750,000

 Product Type Points  Interest Rates  APR5  P&I Per $1,000  Apply 
30 Year Fixed - Low Fee Program N/A 4.125%

4.137%

360 Payments of $4.85

Apply Now
25 Year Fixed - Low Fee Program N/A 4.125%

4.138%

300 Payments of $5.35

Apply Now
20 Year Fixed - Low Fee Program  N/A

3.875%

3.891%

240 Payments of $5.99

Apply Now
15 Year Fixed - Low Fee Program  N/A

3.500%

3.520%

180 Payments of $7.15

Apply Now
10 Year Fixed - Low Fee Program  N/A

3.375%

3.405%

120 Payments of $9.83

Apply Now

Columbia Bank $0 Fee Refinance6
$100,000 to $484,350

 Product Type Points  Interest Rates  APR5  P&I Per $1,000  Apply 
30 Year Fixed - $0 Fee Refinance N/A 4.125%

4.125%

360 Payments of $4.85

Apply Now
25 Year Fixed - $0 Fee Refinance N/A 4.125%

4.125%

300 Payments of $5.35

Apply Now
20 Year Fixed - $0 Fee Refinance N/A

3.875%

3.875%

240 Payments of $5.99

Apply Now
15 Year Fixed - $0 Fee Refinance N/A

3.500%

3.500%

180 Payments of $7.15 Apply Now
10 Year Fixed - $0 Fee Refinance N/A

3.375%

3.375%

120 Payments of $9.83

Apply Now

Columbia Bank $0 Fee Refinance6

$484,351 to $750,000

 Product Type  Points Interest Rates  APR8  P&I Per $1,000  Apply 
30 Year Fixed - $0 Fee Refinance N/A 4.125%

4.125%

360 Payments of $4.85

Apply Now
25 Year Fixed - $0 Fee Refinance N/A 4.125%

4.125%

300 Payments of $5.35

Apply Now
20 Year Fixed - $0 Fee Refinance N/A

3.875%

3.875%

240 Payments of $5.99

Apply Now
15 Year Fixed - $0 Fee Refinance N/A

3.500%

3.500%

180 Payments of $7.15 Apply Now
10 Year Fixed - $0 Fee Refinance N/A

3.375%

3.375%

120 Payments of $9.83

Apply Now

 

1 Rates quoted are for single-family, owner-occupied primary and secondary residences located in New Jersey. Rates quoted assume a loan to value ratio of 80% and a credit score of 740. Your actual rate will depend upon several factors including, but not limited to, the loan type, loan size, property type, loan purpose, your credit score and property value. Private mortgage insurance (“PMI”) may be required depending upon Columbia Bank’s lending policy. If PMI is required, the mortgage insurance premium may increase the APR and monthly mortgage payment. All loans are subject to approval in accordance with Columbia Bank’s lending policies. Any adjustable rate mortgage meeting any of the rate adjustments mentioned above will warrant an increase in both initial fixed rate and margin. (All else, an increase in the rate for fixed rate mortgage). Please contact Columbia Bank at (800) 522-4167 for further details.

 

Columbia Bank $475 Low Fee Home Purchase Program limited to purchase money mortgages with a maximum sales price of $999,999.  Program restrictions may apply.  Please contact Columbia Bank at (800) 522-4167 for further details.  Program offered for New Jersey properties ONLY.

Columbia Bank $475 Low Fee Home Purchase Program APR calculation is based upon a loan amount of $350,000, and reflects fifteen (15) days of prepaid interest, an origination fee, and a settlement / closing fee.  

4 Columbia Bank $475 Low Fee Home Purchase Program APR calculation is based upon a loan amount of $750,000, and reflects fifteen (15) days of prepaid interest, an origination fee, and a settlement / closing fee.  

5 Program restrictions may apply.  Please contact Columbia Bank at (800) 522-4167 for further details.  Program offered for New Jersey properties ONLY.

6 Columbia Bank $0 Fee Refinance APR calculation is based upon a loan amount of $350,000, and reflects fifteen (15) days of prepaid interest only. 

7 Columbia Bank $0 Fee Refinance APR calculation is based upon a loan amount of $750,000, and reflects fifteen (15) days of prepaid interest only.


All Rates Subject to Change at Any Time1

FHA Mortgage Products
Limited New Jersey FHA Lending Limits

 Product Type Points  Interest Rates  APR2  P&I Per $1,0003  Apply 
30 Year Fixed 0PT

4.000%

5.018%

360 Payments of $4.77

Apply Now

1PT

N/A

N/A

N/A

Apply Now


[1] Rates quoted are for single-family, owner-occupied primary and secondary residences located in New Jersey. Rates quoted assume a loan to value ratio of 80% and a credit score of 740. Your actual rate will depend upon several factors including, but not limited to, the loan type, loan size, property type, loan purpose, your credit score and property value. Private mortgage insurance (“PMI”) may be required depending upon Columbia Bank’s lending policy. If PMI is required, the mortgage insurance premium may increase the APR and monthly mortgage payment. All loans are subject to approval in accordance with Columbia Bank’s lending policies. Any adjustable rate mortgage meeting any of the rate adjustments mentioned above will warrant an increase in both initial fixed rate and margin. (All else, an increase in the rate for fixed rate mortgage). Please contact Columbia Bank at (800) 522-4167 for further details.

[2] APR calculation is based upon a loan amount of $350,000, and includes fee estimates for FHA mortgage insurance premiums, flood certification, settlement / closing, fifteen (15) days of prepaid interest, an origination fee, and points, if applicable.

Adjustable Rate Products Only
All Rates Subject to Change at Any Time1

Adjustable Rate Mortgage Products
Limited to $1,000,000

 Product Type  Points Interest Rates   APR2 Margin  Index  Fully Indexed Interest Rate  P&I Example3  Premium/(Discount) 
3/1 Arm 0 PT

3.500%

4.849%

2.750%

2.320%

5.125%

36 Payments of $449.05
324 Payments of $536.47

(1.625%)

1 PT

3.250%

4.876%

2.750%

2.320%

5.125%

36 Payments of $435.21
324 Payments of $535.09

(1.875%)
 
5/1 Arm 0 PT

3.625%

4.682%

2.750%

2.320%

5.125%

60 Payments of $456.06
300 Payments of $532.05

(1.500%)

1 PT

3.375%

4.676%

2.750%

2.320%

5.125%

60 Payments of $442.10
300 Payments of $529.77

(1.750%)
 
7/1 Arm 0 PT

3.750%

4.571%

2.750%

2.320%

5.125%

84 Payments of $463.12
276 Payments of $528.38

(1.375%)
 

1 PT

3.500%

4.537%

2.750%

2.320%

5.125%

84 Payments of $449.05
276 Payments of $525.21

(1.625%)

Columbia Bank $475 Low Fee Home Purchase Program4
Limited to $750,000

 Product Type Points  Interest Rate  APR5  Margin  Index  Fully Indexed interest Rate  P&I Example6  Premium/(Discount) 
5 / 1 ARM - $475 Low Fee Home Purchase Program N/A

3.750%

4.784%

2.875%

2.320%

5.250%

60 Payments of $463.12
300 Payments of $539.79

(1.500%)
 
7 / 1 ARM - $475 Low Fee Home Purchase Program N/A

3.875%

4.673%

2.875%

2.320%

5.250%

84 Payments of $470.24
276 Payments of $536.11

(1.375%)
 

[1] Rates quoted are for single-family, owner-occupied primary and secondary residences located in New Jersey. Rates quoted assume a loan to value ratio of 80% and a credit score of 740. Your actual rate will depend upon several factors including, but not limited to, the loan type, loan size, property type, loan purpose, your credit score and property value. Private mortgage insurance (“PMI”) may be required depending upon Columbia Bank’s lending policy. If PMI is required, the mortgage insurance premium may increase the APR and monthly mortgage payment. All loans are subject to approval in accordance with Columbia Bank’s lending policies. Any adjustable rate mortgage meeting any of the rate adjustments mentioned above will warrant an increase in both initial fixed rate and margin. (All else, an increase in the rate for fixed rate mortgage). Please contact Columbia Bank at (800) 522-4167 for further details.

[2] APR calculation is based upon a loan amount of $100,000, and includes fee estimates for flood certification, real estate tax service, settlement / closing, fifteen (15) days of prepaid interest, an origination fee, and points, if applicable.  The APR calculation may vary after consummation. 

[3] Columbia Bank $475 Low Fee Home Purchase Program limited to purchase money mortgages with a maximum sales price of $999,999.  Program restrictions may apply.  Please contact Columbia Bank at (800) 522-4167 for further details. 

[4] Columbia Bank $475 Low Fee Home Purchase Program APR calculation is based upon a loan amount of $100,000, and reflects fifteen (15) days of prepaid interest, an origination fee, and a settlement / closing fee. 

[5] Program restrictions may apply.  Please contact Columbia Bank at (800) 522-4167 for further details. 

[6] Columbia Bank $0 Fee Refinance APR calculation is based upon a loan amount of $100,000, and reflects fifteen (15) days prepaid interest only.

Home Equity Fixed²

 PRODUCT TERM APR CURRENT PER $1000 MTHLY PYMT 
5 YEAR FIXED 3.500% $18.19
10 YEAR FIXED 3.875% $10.06
15 YEAR FIXED 4.250% $7.52
20 YEAR FIXED 4.625% $6.39

Maximum Loan To Value 80% on Combined Liens up to $1,000,000 (Owner Occupied and Secondary Residences Only) Maximum LTV 70% on Condominiums with a maximum Combined Liens of $1,000,000

Fees For Home Equity Applications:
Mortgage Recording Fee (Payable at closing)