Columbia State Bank Mortgage Rates, Fees & Info
Tacoma, WALEI: 0S8H5NJFLHEVJXVTQ413
Tax ID: 91-0897063
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Mortgage Data
Review & Overview
Columbia State Bank is a smaller bank specializing in Home Purchase loans. Columbia State Bank has a high proportion of conventional loans. Their top markets by origination volume include: Seattle, Portland, Salem, Sandpoint, and Bend among others. We have data for 65 markets. (Some data included below & more in-depth data is available with an active subscription.)Columbia State Bank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Columbia State Bank is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.27% | 12/16/24 |
| 30 Year Conventional Purchase | 6.45% | 12/16/24 |
| 30 Year Conventional Refi | 6.53% | 12/16/24 |
| 30 Year Cash-out Refi | 6.51% | 12/16/24 |
| 30 Year VA Purchase | 6.09% | 12/16/24 |
| 30 Year VA Refi | 5.75% | 12/16/24 |
| 30 Year USDA Purchase | 6.27% | 12/16/24 |
| 15 Year Conventional Purchase | 6.01% | 12/16/24 |
| 15 Year Conventional Refi | 6.08% | 12/16/24 |
| 15 Year Cash-out Refi | 6.08% | 12/16/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Columbia State Bank Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
1,500Origination Dollar Volume (All Markets)
$741,740,000Awards
Columbia State Bank - 2022
Columbia State Bank is a 2022 , due to their low .
For 2022, less than of lenders were eligible for this award.
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Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 471 | $261,195,000 | $554,554 | $6,253 | 4.53% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 206 | $86,480,000 | $419,806 | $6,414 | 4.59% |
| SALEM, OR (FHA|USDA|VA) | 103 | $82,155,000 | $797,621 | $5,389 | 4.60% |
| Sandpoint, ID (FHA|USDA|VA) | 50 | $31,520,000 | $630,400 | $6,557 | 4.56% |
| Outside of Metro Areas | 94 | $27,960,000 | $297,447 | $7,363 | 4.51% |
| BEND, OR (FHA|USDA|VA) | 35 | $23,735,000 | $678,143 | $9,253 | 4.46% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 43 | $20,595,000 | $478,953 | $4,668 | 4.50% |
| Hermiston-Pendleton, OR (FHA|USDA|VA) | 19 | $20,095,000 | $1,057,632 | $5,197 | 4.56% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 24 | $17,450,000 | $727,083 | $8,475 | 4.24% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 30 | $15,480,000 | $516,000 | $5,687 | 4.81% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 33 | $14,335,000 | $434,394 | $5,241 | 4.32% |
| Outside of Metro Areas | 33 | $10,035,000 | $304,091 | $6,999 | 4.36% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 27 | $9,285,000 | $343,889 | $4,608 | 4.15% |
| Newport, OR (FHA|USDA|VA) | 29 | $8,135,000 | $280,517 | $5,353 | 4.64% |
| Moses Lake, WA (FHA|USDA|VA) | 13 | $7,565,000 | $581,923 | $4,653 | 5.25% |
| Fallon, NV (FHA|USDA|VA) | 1 | $7,455,000 | $7,455,000 | $0 | 4.40% |
| BOISE CITY, ID (FHA|USDA|VA) | 21 | $7,085,000 | $337,381 | $4,381 | 4.54% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 14 | $7,060,000 | $504,286 | $6,742 | 4.32% |
| Hood River, OR (FHA|USDA|VA) | 19 | $5,435,000 | $286,053 | $5,920 | 4.64% |
| Pullman, WA (FHA|USDA|VA) | 13 | $5,315,000 | $408,846 | $5,758 | 4.70% |
| BELLINGHAM, WA (FHA|USDA|VA) | 11 | $5,295,000 | $481,364 | $8,507 | 4.83% |
| LEWISTON, ID-WA (FHA|USDA|VA) | 16 | $4,830,000 | $301,875 | $5,692 | 4.65% |
| Astoria, OR (FHA|USDA|VA) | 19 | $4,325,000 | $227,632 | $4,643 | 4.68% |
| YAKIMA, WA (FHA|USDA|VA) | 13 | $4,275,000 | $328,846 | $4,737 | 4.52% |
| Ellensburg, WA (FHA|USDA|VA) | 9 | $4,065,000 | $451,667 | $6,294 | 4.42% |
| Centralia, WA (FHA|USDA|VA) | 16 | $3,780,000 | $236,250 | $9,364 | 5.24% |
| Ontario, OR-ID (FHA|USDA|VA) | 25 | $3,725,000 | $149,000 | $3,849 | 4.55% |
| WENATCHEE, WA (FHA|USDA|VA) | 6 | $3,190,000 | $531,667 | $7,752 | 5.10% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 7 | $3,005,000 | $429,286 | $6,335 | 4.35% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 4 | $2,880,000 | $720,000 | $7,929 | 5.06% |
| Moscow, ID (FHA|USDA|VA) | 5 | $2,435,000 | $487,000 | $0 | 3.89% |
| LONGVIEW, WA (FHA|USDA|VA) | 9 | $2,325,000 | $258,333 | $6,300 | 4.79% |
| CORVALLIS, OR (FHA|USDA|VA) | 4 | $2,180,000 | $545,000 | $5,045 | 5.24% |
| Oak Harbor, WA (FHA|USDA|VA) | 4 | $2,090,000 | $522,500 | $7,954 | 4.91% |
| REDDING, CA (FHA|USDA|VA) | 10 | $2,080,000 | $208,000 | $5,573 | 4.47% |
| Hailey, ID (FHA|USDA|VA) | 1 | $1,825,000 | $1,825,000 | $10,296 | 4.13% |
| Shelton, WA (FHA|USDA|VA) | 5 | $1,545,000 | $309,000 | $4,262 | 5.22% |
| The Dalles, OR (FHA|USDA|VA) | 9 | $1,535,000 | $170,556 | $5,703 | 4.47% |
| MEDFORD, OR (FHA|USDA|VA) | 2 | $1,480,000 | $740,000 | $8,020 | 5.19% |
| Port Angeles, WA (FHA|USDA|VA) | 3 | $1,465,000 | $488,333 | $9,377 | 3.75% |
| Prineville, OR (FHA|USDA|VA) | 3 | $1,315,000 | $438,333 | $14,298 | 3.25% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 1 | $1,305,000 | $1,305,000 | $0 | 4.95% |
| WALLA WALLA, WA (FHA|USDA|VA) | 5 | $1,185,000 | $237,000 | $0 | 5.05% |
| Othello, WA (FHA|USDA|VA) | 6 | $920,000 | $153,333 | $4,515 | 4.63% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 2 | $830,000 | $415,000 | $0 | 4.38% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 2 | $770,000 | $385,000 | $4,584 | 3.63% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 1 | $725,000 | $725,000 | $15,228 | 3.75% |
| Coos Bay, OR (FHA|USDA|VA) | 1 | $715,000 | $715,000 | $6,165 | 4.75% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $5,953 | 4.31% |
| PROVO-OREM, UT (FHA|USDA|VA) | 1 | $695,000 | $695,000 | $4,632 | 4.25% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $6,934 | 5.38% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 3 | $605,000 | $201,667 | $0 | 3.90% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $7,806 | 3.38% |
| Klamath Falls, OR (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $5,685 | 4.44% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $12,112 | 5.63% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $8,505 | 6.13% |
| TUCSON, AZ (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $10,116 | 4.99% |
| Kalispell, MT (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $12,608 | 7.13% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $4,319 | 5.63% |
| Aberdeen, WA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $0 | 3.50% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,717 | 7.13% |
| La Grande, OR (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 3.50% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 8.25% |
| Red Bluff, CA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,532 | 3.38% |
| BILLINGS, MT (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,665 | 5.13% |
Similar Lenders
We use machine learning to identify the top lenders compared against Columbia State Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| HELOC | 906 | $259,700,000 | $286,645 | n/a | 4.61% |
| Conventional | 572 | $473,310,000 | $827,465 | $6,074 | 4.50% |
| VA | 22 | $8,730,000 | $396,818 | $11,763 | 4.10% |
For 2022, Columbia State Bank's most frequently originated type of loan was HELOC, with 906 originations. Their 2nd most popular type was Conventional, with 572 originations.
Loan Reason
For 2022, Columbia State Bank's most frequently cited loan purpose was Home Improvement, with 526 originations. The 2nd most popular reason was Home Purchase, with 412 originations.
Loan Duration/Length
For 2022, Columbia State Bank's most frequently cited loan duration was Other, with 888 originations. The 2nd most popular length was 30 Year, with 396 originations.
Origination Fees/Closing Costs
Columbia State Bank's average total fees were $6,490, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 263 originations.
Interest Rates
During 2022, Columbia State Bank's average interest rate for loans was 4.49%, while their most frequently originated rate bucket for loans was 3-4%, with 631 originations.
Loan Sizing
2022 saw Columbia State Bank place emphasis on $200k-400k loans with 437 originations, totaling $123,015,000 in origination value.
Applicant Income
Columbia State Bank lent most frequently to those with incomes in the $250k+ range, with 324 originations. The second most popular income band? $100k-150k, with 292 originations.
Applicant Debt to Income Ratio
Columbia State Bank lent most frequently to those with DTI ratios of 20-30%, with 238 originations. The next most common DTI ratio? 30-36%, with 229 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications71.62%
Columbia State Bank has a below average approval rate.
Pick Rate
Approvals leading to origination86.93%
Columbia State Bank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 1,500 | $741,740,000 | $494,493 |