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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 $453,100

 Product Type Points Interest Rates  APR2  P&I Per $1,0004 
30 Year Fixed 0 PT 4.750% 4.770% 360 Payments of $5.21 Apply Now

1 PT 4.625% 4.753% 360 Payments of $5.14 Apply Now
25 Year Fixed 0 PT 4.750% 4.773% 300 Payments of $5.70 Apply Now

1 PT 4.500% 4.646% 300 Payments of $5.56 Apply Now
20 Year Fixed 0 PT 4.625% 4.653% 240 Payments of $6.39 Apply Now

1 PT 4.375% 4.548% 240 Payments of $6.26 Apply Now
15 Year Fixed 0 PT 4.250% 4.285% 180 Payments of $7.52 Apply Now

1 PT 4.125% 4.345% 180 Payments of $7.46 Apply Now
10 Year Fixed 0 PT 4.125% 4.175% 120 Payments of $10.18 Apply Now

1 PT N/A N/A N/A Apply Now

Traditional Mortgage Products
$453,101 to $1,000,000

 Product Type Points  Interest Rates  APR4  P&I Per $,10003 
30 Year Fixed 0 PT 4.750% 4.760% 360 Payments of $5.21 Apply Now

1 PT 4.625% 4.731% 360 Payments of $5.14 Apply Now
25 Year Fixed 0 PT 4.750% 4.761% 300 Payments of $5.70 Apply Now

1 PT 4.500% 4.621% 300 Payments of $5.56 Apply Now
20 Year Fixed 0 PT 4.625% 4.638% 240 Payments of $6.39 Apply Now

1 PT 4.375% 4.519% 240 Payments of $6.26 Apply Now
15 Year Fixed 0 PT 4.250% 4.267% 180 Payments of $7.52 Apply Now

1 PT 4.125% 4.308% 180 Payments of $7.46 Apply Now
10 Year Fixed 0 PT 4.125% 4.149% 120 Payments of $10.18 Apply Now
  1 PT  N/A N/A N/A  Apply Now

Biweekly Mortgage Products
Limited to $453,100

 Product Type Points  Interest Rates  APR2  P&I Per $1,0002 
30 Year Fixed Bi-Weekly 0 PT 4.750% 4.780% 660 Payments of $2.61 Apply Now

1 PT 4.625% 4.776% 663 Payments of $2.57 Apply Now
20 Year Fixed Bi-Weekly 0 PT 4.625% 4.669% 457 Payments of $3.20 Apply Now

1 PT 4.375% 4.581% 458 Payments of $3.13 Apply Now
15 Year Fixed Bi-Weekly 0 PT 4.250% 4.306% 348 Payments of $3.76 Apply Now

1 PT 4.125% 4.386% 349 Payments of $3.73 Apply Now

Biweekly Mortgage Products
$453,101 to $1,000,000

 Product Type Points  Interest Rates  APR4  P&I Per $1,0002   
30 Year Fixed Bi-Weekly 0 PT 4.750% 4.767% 660 Payments of $2.61 Apply Now
  1 PT  4.625% 4.751% 663 Payments of $2.57 Apply Now
20 Year Fixed Bi-Weekly 0 PT  4.625% 4.669% 457 Payments of $3.20 Apply Now
  1 PT  4.375% 4.581% 458 Payments of $3.13 Apply Now
15 Year Fixed Bi-Weekly 0 PT  4.250% 4.286% 348 Payments of $3.76 Apply Now
  1 PT  4.125% 4.345% 349 Payments of $3.73 Apply Now

1 Rates quoted are for a single-family, owner-occupied residence 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, your credit score and property value. Your actual rate, payment and costs could be higher. 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. 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, and points, if applicable.
3 Monthly principal and interest ("P&I") payments per $1,000 do not account for (a) real estate taxes, and / or (b) hazard, flood, or PMI premiums (if applicable). Actual payment obligation will be greater.
4 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, and points, if applicable.
5 Biweekly principal and interest ("P&I") payments per $1,000 do not account for (a) real estate taxes, and / or (b) hazard, flood, or PMI premiums (if applicable). Actual payment obligation will be greater.


All Rates Subject to Change at Any Time1

Columbia Bank $475 Low Fee Home Purchase Program2
$100,000 to $453,100

 Product Type Points  Interest Rates  APR3  P&I Per $1,0004  Apply 
30 Year Fixed - Low Fee Program N/A 4.875% 4.901% 360 Payments of $5.28 Apply Now
25 Year Fixed - Low Fee Program N/A 4.875% 4.905% 300 Payments of $5.77 Apply Now
20 Year Fixed - Low Fee Program N/A 4.750% 4.785% 240 Payments of $6.46 Apply Now
15 Year Fixed - Low Fee Program N/A 4.375% 4.419%
180 Payments of $7.59
Apply Now
10 Year Fixed - Low Fee Program N/A 4.250% 4.313% 120 Payments of $10.24 Apply Now

Columbia Bank $475 Low Fee Home Purchase Program2
$453,101 to $750,000

 Product Type Points  Interest Rates  APR5  P&I Per $1,0004  Apply 
30 Year Fixed - Low Fee Program N/A 4.875% 4.887% 360 Payments of $5.28 Apply Now
25 Year Fixed - Low Fee Program N/A 4.875% 4.888% 300 Payments of $5.77 Apply Now
20 Year Fixed - Low Fee Program  N/A 4.750% 4.766% 240 Payments of $6.46 Apply Now
15 Year Fixed - Low Fee Program  N/A 4.375% 4.395% 180 Payments of $7.59 Apply Now
10 Year Fixed - Low Fee Program  N/A 4.250% 4.279% 120 Payments of $10.24 Apply Now

Columbia Bank $0 Fee Refinance6
$100,000 to $453,100

 Product Type Points  Interest Rates  APR5  P&I Per $1,0004  Apply 
30 Year Fixed - $0 Fee Refinance N/A 4.875% 4.875% 360 Payments of $5.28 Apply Now
25 Year Fixed - $0 Fee Refinance N/A 4.875% 4.875% 300 Payments of $5.77 Apply Now
20 Year Fixed - $0 Fee Refinance N/A 4.750% 4.750% 240 Payments of $6.46 Apply Now
15 Year Fixed - $0 Fee Refinance N/A 4.375% 4.375% 180 Payments of $7.59 Apply Now
10 Year Fixed - $0 Fee Refinance N/A 4.250% 4.250% 120 Payments of $10.24 Apply Now

Columbia Bank $0 Fee Refinance6

$453,101 to $750,000

 Product Type  Points Interest Rates  APR8  P&I Per $1,0004  Apply 
30 Year Fixed - $0 Fee Refinance N/A 4.875% 4.875% 360 Payments of $5.28 Apply Now
25 Year Fixed - $0 Fee Refinance N/A 4.875% 4.875% 300 Payments of $5.77 Apply Now
20 Year Fixed - $0 Fee Refinance N/A 4.750% 4.750% 240 Payments of $6.46 Apply Now
15 Year Fixed - $0 Fee Refinance N/A 4.375% 4.375% 180 Payments of $7.59 Apply Now
10 Year Fixed - $0 Fee Refinance N/A 4.250% 4.250% 120 Payments of $10.24 Apply Now

1 Rates quoted are for a single-family, owner-occupied residence 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, your credit score and property value. Your actual rate, payment and costs could be higher. 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. Please contact Columbia Bank at (800) 522-4167 for further details.

2 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.

3 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 Monthly principal and interest ("P&I") payments per $1,000 do not account for (a) real estate taxes, and / or (b) hazard, flood, or PMI premiums (if applicable). Actual payment obligation will be greater.

5 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.

7 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.

8 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 4.750% 5.763% 360 Payments of $5.21 Apply Now

1PT N/A N/A N/A Apply Now

1 Rates quoted are for a single-family, owner-occupied residence 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, your credit score and property value. Your actual rate, payment and costs could be higher. 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. 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, and points, if applicable.

3 Monthly principal and interest ("P&I") payments per $1,000 do not account for (a) real estate taxes, and / or (b) hazard, flood or FHA mortgage insurance premiums (if applicable). Actual payment obligation will be greater.


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% 4.997% 2.750% 2.600% 5.375% 36 Payments of $449.05
324 Payments of $550.62
(1.875%)

1 PT 3.250% 5.015% 2.750% 2.600% 5.375% 36 Payments of $435.21
324 Payments of $549.01
(2.125%)
 
5/1 Arm 0 PT 3.750% 4.843% 2.750% 2.600% 5.375% 60 Payments of $463.12
300 Payments of $546.45
(1.625%)

1 PT 3.500% 4.837% 2.750% 2.600% 5.375% 60 Payments of $449.05
300 Payments of $544.15
(1.875%)
 
7/1 Arm 0 PT 4.000% 4.778% 2.750% 2.600% 5.375% 84 Payments of $477.42
276 Payments of $543.90
(1.375%)
 

1 PT 3.750% 4.744% 2.750% 2.600% 5.375% 84 Payments of $463.12
276 Payments of $540.73
(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 3.875% 4.983% 2.875% 2.600% 5.500% 60 Payments of $470.24
300 Payments of $554.30
(1.625%)

7 / 1 ARM - $475 Low Fee Home Purchase Program N/A 4.125% 4.918% 2.875% 2.600% 5.500% 84 Payments of $484.65
276 Payments of $551.75
(1.375%)

Columbia Bank $0 Fee Refinance7
Limited to $750,000

 Product Type Points  Interest Rates  APR8  Margin  Index  Fully Indexed Interest Rate  P&I Example6  Premium/(Discount) 
5 / 1 ARM - $0 Fee Refinance N/A 3.875% 4.894% 2.875% 2.600% 5.500% 60 Payments of $470.24
300 Payments of $554.30
(1.625%)
 
7 / 1 ARM - $0 Fee Refinance N/A 4.125% 4.829% 2.875% 2.600% 5.500% 84 Payments of $484.65
276 Payments of $551.75
(1.375%)
 

1Rates quoted are for a single-family, owner-occupied residence 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, your credit score and property value. Your actual rate, payment and costs could be higher. 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. 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, and points, if applicable. The APR calculation may vary after consummation.

3 Monthly principal and interest ("P&I") examples are based upon a loan amount of $100,000 and evidence how payments may adjust subsequent to the initial fixed rate period by utilizing the fully indexed rate as a target rate. P&I examples do not account for (a) real estate taxes, and / or (b) hazard, flood, or PMI premiums (if applicable). Actual payment obligation will be greater.

4 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.

5 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.

6 Monthly principal and interest ("P&I") payments per $1,000 do not account for (a) real estate taxes, and / or (b) hazard, flood, or PMI premiums (if applicable). Actual payment obligation will be greater.

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

8 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 Fixed

 PRODUCT TERM APR CURRENT PER $1000 MTHLY PYMT 
60 MONTHS 3.500% $18.08
120 MONTHS 4.500% $10.24
180 MONTHS 4.500%  $7.52
240 MONTHS 4.875% $6.39
300 MONTHS 5.500% $5.99
360 MONTHS 5.625% $5.60

Maximum Loan To Value 80% on Combined Liens up to $1,000,000; Maximum LTV 70% on Condominiums with a maximum Combined Liens of $1,000,000.

Fees For Home Equity Applications:
LTV of less than or equal to 80% (Owner Occupied and Secondary Residences ONLY): Mortgage Recording Fee (Payable From Proceeds at Disbursement)