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We consent to the incorporation by reference in the registration statement (No. 333-221912) on Form S-1 and in the registration statements (No. 333-226466 and No. 333-232766) on Form S-8 of Columbia Financial, Inc. of our reports dated March 1, 2021, with respect to the consolidated statements of financial condition of Columbia Financial, Inc. and subsidiaries as of December 31, 2020 and 2019, the related consolidated statements of income, comprehensive income (loss), changes in stockholders’ equity, and cash flows for each of the years in the three-year period ended December 31, 2020, and the related notes, and the effectiveness of internal control over financial reporting as of December 31, 2020, which reports appear in the December 31, 2020 annual report on Form 10-K of Columbia Financial, Inc.