Umpqua Bank Mortgage Rates, Fees & Info

Roseburg, OR

LEI: IFQSIUC9AGQV2NE8CN25

Tax ID: 93-0419143

2020 Data | 2019 Data | 2018 Data


Overview

Umpqua Bank is a large bank specializing in Refi and Home Purchase loans. Umpqua Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets include Portland, Seattle, Bellingham, Kennewick, and Sacramento among others. They have an above average approval rate for mortages when compared nationally -- and they have a below average pick rate when compared to the same sample of other lendors. Umpqua Bank is typically an average fee lendor.


Originations

25,639

Origination Dollar Volume (All Markets)

$8,810,305,000

Employee count

3,774

Relative Rate

Umpqua Bank's average 30 year fixed rate mortgage was 3.49%.

The 2020 average 30 year fixed rate mortgage across all markets was 3.36%.

This yields a difference of 0.13%.

Relative Fees

Umpqua Bank's average total fees for a 30 year fixed rate mortgage are $5,143.

The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $5,021.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 23,289 $8,045,645,000 $345,470 $4,943 3.47%
VA 1,280 $456,410,000 $356,570 $6,765 2.96%
FHA 894 $264,700,000 $296,085 $9,306 3.16%
USDA 176 $43,550,000 $247,443 $6,285 3.06%

For the 2020 period, Umpqua Bank's most frequently originated loan type was Conventional, with 23,289 originations. Their 2nd most popular type is VA, with 1,280 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Refi 9,712 $3,502,950,000 $360,683 $4,236 3.28%
Home Purchase 8,387 $3,410,305,000 $406,618 $6,019 3.36%
Cash Out Refi 4,019 $1,343,845,000 $334,373 $5,781 3.42%
Other 1,793 $310,905,000 $173,399 $5,232 4.01%
Home Improvement 1,728 $242,300,000 $140,220 $4,528 4.08%

For the 2020, Umpqua Bank's most frequently cited loan purpose was Refi, with 9,712 originations. The 2nd most popular reason was Home Purchase, with 8,387 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 21,126 $7,210,640,000 $341,316 $5,046 3.47%
15 Year 2,498 $684,540,000 $274,035 $3,983 2.84%
30+ year 1,155 $629,185,000 $544,749 $10,665 4.11%
20 Year 655 $176,385,000 $269,290 $4,234 3.34%
10 Year 123 $53,935,000 $438,496 $3,824 3.28%
Other 80 $53,560,000 $669,500 $3,348 3.81%
3 Year 1 $105,000 $105,000 $0 6.25%
5 Year 1 $1,955,000 $1,955,000 $0 3.50%

For the 2020, Umpqua Bank's most frequently cited loan length was 30 Year, with 21,126 originations. The 2nd most popular length was 15 Year, with 2,498 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$<1k 7,357 $2,977,115,000 $404,664
$3k-4k 4,126 $1,406,160,000 $340,805
$1k-2k 3,783 $1,061,725,000 $280,657
$2k-3k 3,465 $1,039,195,000 $299,912
$5k+ 2,491 $1,274,915,000 $511,809

$5,143 was Umpqua Bank's average total fees, while their most frequently occuring range of origination fees were in the $<1k bucket, with 7,357 originations.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
PORTLAND-VANCOUVER-HILLSBORO, OR-WA 5,205 $1,877,265,000 $360,666 $5,428 3.36%
SEATTLE-BELLEVUE-KENT, WA 3,218 $1,566,870,000 $486,908 $5,012 3.39%
Outside of Metro Areas 4,518 $1,102,630,000 $244,053 $5,120 3.54%
BELLINGHAM, WA 1,733 $588,635,000 $339,662 $4,918 3.29%
KENNEWICK-RICHLAND, WA 978 $263,080,000 $268,998 $5,475 3.33%
SACRAMENTO-ROSEVILLE-FOLSOM, CA 730 $242,170,000 $331,740 $4,695 3.57%
TACOMA-LAKEWOOD, WA 758 $236,660,000 $312,216 $4,653 3.52%
COEUR D'ALENE, ID 790 $228,950,000 $289,810 $5,587 3.15%
BEND, OR 637 $214,655,000 $336,978 $5,516 3.55%
EUGENE-SPRINGFIELD, OR 707 $201,455,000 $284,943 $5,528 3.51%
SALEM, OR 606 $182,510,000 $301,172 $5,798 3.47%
OAKLAND-BERKELEY-LIVERMORE, CA 373 $167,485,000 $449,021 $4,815 3.60%
SANTA ROSA-PETALUMA, CA 352 $148,550,000 $422,017 $5,455 3.51%
LOS ANGELES-LONG BEACH-GLENDALE, CA 141 $147,295,000 $1,044,645 $8,010 3.51%
MEDFORD, OR 532 $144,980,000 $272,519 $4,848 3.43%
SPOKANE-SPOKANE VALLEY, WA 571 $140,585,000 $246,208 $4,562 3.52%
MOUNT VERNON-ANACORTES, WA 401 $121,965,000 $304,152 $5,188 3.28%
LONGVIEW, WA 336 $107,420,000 $319,702 $5,895 3.47%
SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA 171 $100,275,000 $586,404 $5,708 3.55%
RENO, NV 270 $91,570,000 $339,148 $3,872 3.44%
CORVALLIS, OR 271 $82,605,000 $304,815 $5,078 3.36%
ALBANY-LEBANON, OR 335 $79,675,000 $237,836 $5,828 3.48%
BREMERTON-SILVERDALE-PORT ORCHARD, WA 202 $72,350,000 $358,168 $5,683 3.41%
SAN RAFAEL, CA 114 $70,120,000 $615,088 $7,010 3.55%
ANAHEIM-SANTA ANA-IRVINE, CA 90 $67,590,000 $751,000 $5,386 3.44%
BOISE CITY, ID 242 $65,240,000 $269,587 $5,917 3.41%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA 98 $53,180,000 $542,653 $5,443 3.47%
GRANTS PASS, OR 203 $45,935,000 $226,281 $4,453 3.56%
NAPA, CA 91 $43,735,000 $480,604 $4,632 3.42%
OLYMPIA-LACEY-TUMWATER, WA 126 $37,490,000 $297,540 $4,935 3.43%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA 60 $36,460,000 $607,667 $6,429 3.51%
VALLEJO, CA 103 $33,615,000 $326,359 $3,861 3.53%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA 70 $32,990,000 $471,286 $6,049 3.43%
OXNARD-THOUSAND OAKS-VENTURA, CA 47 $31,095,000 $661,596 $7,118 3.50%
PHOENIX-MESA-CHANDLER, AZ 83 $27,265,000 $328,494 $3,958 3.33%
WENATCHEE, WA 71 $25,495,000 $359,085 $5,913 3.54%
REDDING, CA 99 $23,645,000 $238,838 $4,665 3.45%
YAKIMA, WA 92 $23,350,000 $253,804 $5,539 3.48%
CHICO, CA 83 $22,415,000 $270,060 $4,963 3.54%
MODESTO, CA 68 $20,600,000 $302,941 $4,555 3.39%
YUBA CITY, CA 89 $18,665,000 $209,719 $4,417 3.61%
SALINAS, CA 11 $17,465,000 $1,587,727 $5,344 3.50%
STOCKTON, CA 51 $17,225,000 $337,745 $5,774 3.36%
LAS VEGAS-HENDERSON-PARADISE, NV 42 $14,860,000 $353,810 $5,681 3.49%
SAN LUIS OBISPO-PASO ROBLES, CA 32 $12,330,000 $385,313 $6,823 3.66%
WALLA WALLA, WA 48 $11,570,000 $241,042 $4,853 3.50%
SANTA MARIA-SANTA BARBARA, CA 8 $10,370,000 $1,296,250 $7,992 3.06%
FRESNO, CA 16 $6,190,000 $386,875 $5,552 3.23%
LEWISTON, ID-WA 35 $5,715,000 $163,286 $4,656 3.38%
SANTA CRUZ-WATSONVILLE, CA 14 $5,290,000 $377,857 $3,901 3.73%
MERCED, CA 17 $5,145,000 $302,647 $6,822 3.34%
KAHULUI-WAILUKU-LAHAINA, HI 7 $4,675,000 $667,857 $5,292 3.66%
BAKERSFIELD, CA 8 $3,250,000 $406,250 $8,005 3.36%
CARSON CITY, NV 11 $2,585,000 $235,000 $2,851 3.51%
LAKE HAVASU CITY-KINGMAN, AZ 8 $2,350,000 $293,750 $3,543 3.44%
PRESCOTT VALLEY-PRESCOTT, AZ 7 $1,895,000 $270,714 $3,841 3.14%
DENVER-AURORA-LAKEWOOD, CO 6 $1,800,000 $300,000 $4,277 3.58%
TWIN FALLS, ID 9 $1,735,000 $192,778 $3,784 3.25%
ST. GEORGE, UT 4 $1,540,000 $385,000 $4,958 3.78%
PROVO-OREM, UT 4 $1,260,000 $315,000 $6,251 3.41%
IDAHO FALLS, ID 3 $1,195,000 $398,333 $6,748 2.92%
ANCHORAGE, AK 3 $1,075,000 $358,333 $6,297 3.29%
FORT COLLINS, CO 3 $1,055,000 $351,667 $2,806 3.17%
COLORADO SPRINGS, CO 3 $1,035,000 $345,000 $2,830 3.58%
TUCSON, AZ 3 $925,000 $308,333 $6,824 3.38%
OGDEN-CLEARFIELD, UT 3 $795,000 $265,000 $3,013 3.67%
URBAN HONOLULU, HI 2 $690,000 $345,000 $6,801 2.69%
YUMA, AZ 2 $510,000 $255,000 $3,637 2.94%
POCATELLO, ID 3 $495,000 $165,000 $4,238 3.75%
VISALIA, CA 2 $480,000 $240,000 $3,750 3.50%
MADERA, CA 2 $410,000 $205,000 $4,096 3.19%
FAIRBANKS, AK 1 $145,000 $145,000 $0 5.13%
MISSOULA, MT 1 $115,000 $115,000 $4,431 4.38%
SIERRA VISTA-DOUGLAS, AZ 1 $85,000 $85,000 $3,389 3.38%

Umpqua Bank's top markets include Portland, Seattle, Bellingham, Kennewick, and Sacramento among others.

Interest Rates

Loan Rate Originations Total Value Average Loan
3-4% 16,286 $5,641,880,000 $346,425
2.5-3% 5,567 $2,119,955,000 $380,807
4-5% 2,512 $656,420,000 $261,314
<2.5% 1,013 $359,665,000 $355,049
5-6% 200 $24,750,000 $123,750
6-7% 43 $5,535,000 $128,721
7-8% 13 $1,975,000 $151,923
Over 8% 4 $120,000 $30,000

During 2020, Umpqua Bank's average interest rate was 3.49%, while their most frequently originated rate bucket was 3-4%, with 16,286 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$200k-400k 11,988 $3,523,500,000 $293,919 $4,927 3.35%
$400k-600k 4,995 $2,378,715,000 $476,219 $5,494 3.30%
$100k-200k 4,553 $691,115,000 $151,793 $3,923 3.49%
$100,000 or less 2,060 $119,830,000 $58,170 $3,102 4.12%
$600k-1MM 1,446 $1,063,050,000 $735,166 $7,966 3.39%
$1MM+ 597 $1,034,095,000 $1,732,152 $9,924 3.34%

2020 saw Umpqua Bank place emphasis on $200k-400k loans with 11,988 originations, totaling $3,523,500,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$100k-150k 5,863 $1,921,145,000 $327,673 $5,199 3.44%
$50k-75k 4,623 $1,096,125,000 $237,103 $4,885 3.44%
$150k-250k 4,562 $1,814,730,000 $397,793 $5,502 3.45%
$75k-100k 4,413 $1,254,425,000 $284,257 $5,105 3.44%
$250k+ 2,552 $1,572,670,000 $616,250 $6,503 3.41%
$50k or less 2,189 $367,235,000 $167,764 $4,312 3.51%

Umpqua Bank lent most frequently to those with incomes in the $100k-150k range, with 5,863 originations. The second most popular income band? $50k-75k, with 4,623 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 5,772 $1,855,470,000 $321,460 $4,723 3.41%
30-36% 4,601 $1,581,495,000 $343,729 $5,155 3.42%
<20% 2,312 $754,800,000 $326,471 $4,416 3.37%
42% 1,122 $440,110,000 $392,255 $6,601 3.50%
49% 1,054 $265,270,000 $251,679 $5,162 3.64%
44% 993 $305,785,000 $307,941 $5,292 3.44%
41% 944 $334,230,000 $354,057 $5,772 3.48%
39% 913 $335,695,000 $367,683 $5,767 3.51%
40% 905 $345,175,000 $381,409 $5,930 3.43%
43% 878 $267,380,000 $304,533 $5,263 3.46%
37% 864 $301,840,000 $349,352 $5,637 3.47%
38% 842 $296,840,000 $352,542 $5,439 3.46%
36% 841 $294,445,000 $350,113 $5,336 3.40%
45% 646 $195,500,000 $302,632 $5,321 3.50%
48% 604 $170,090,000 $281,606 $5,231 3.47%
46% 568 $165,780,000 $291,866 $5,073 3.49%
47% 562 $164,550,000 $292,794 $5,372 3.46%
50-60% 308 $98,540,000 $319,935 $8,004 3.37%
>60% 17 $11,925,000 $701,471 $8,610 3.24%

Umpqua Bank lent most frequently to those with DTI ratios of 20-30%, with 5,772 originations. The next most common DTI ratio? 30-36%, with 4,601 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 15,828 $5,041,440,000 $318,514 $5,105 3.42%
Not provided 8,354 $2,936,020,000 $351,451 $5,442 3.45%
Asian 959 $371,795,000 $387,690 $4,738 3.34%
Not applicable 180 $363,800,000 $2,021,111 $0 3.80%
Black 171 $58,495,000 $342,076 $6,369 3.31%
American Indian 76 $18,090,000 $238,026 $4,908 3.57%
Native Hawaiian 38 $10,620,000 $279,474 $4,639 3.53%
Asian Indian 10 $3,670,000 $367,000 $4,241 3.29%
Other Asian 7 $2,495,000 $356,429 $4,712 3.36%
Chinese 4 $1,290,000 $322,500 $3,423 3.31%
Korean 4 $1,130,000 $282,500 $7,028 3.34%
Filipino 4 $970,000 $242,500 $5,288 3.22%
Vietnamese 2 $260,000 $130,000 $4,370 3.31%
Native Hawiian 1 $165,000 $165,000 $8,057 3.25%
Japanese 1 $65,000 $65,000 $0 3.75%

Approval Rates

Total approvals of all applications
90.49%

Umpqua Bank has an average approval rate.

Pick Rate

Approvals leading to origination
80.70%

Umpqua Bank has a below average pick rate.

Points and Fees

Points Originations Total Value Average Loan
NA 25,639 $8,810,305,000 $343,629

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
Multifamily:Manufactured 2 $5,420,000 $2,710,000
Multifamily:Site-Built 173 $350,955,000 $2,028,642
Single Family (1-4 Units):Manufactured 1,364 $282,710,000 $207,265
Single Family (1-4 Units):Site-Built 24,100 $8,171,220,000 $339,055

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 2,848 $675,600,000 $237,219 $3,904 3.58%
40-60% 4,903 $1,772,735,000 $361,561 $4,249 3.26%
60-80% 8,820 $3,564,000,000 $404,082 $5,289 3.41%
80-100% 6,458 $2,430,570,000 $376,366 $5,936 3.33%
Over 100% 149 $70,425,000 $472,651 $14,832 3.03%
Under 20% 2,251 $211,615,000 $94,009 $3,592 4.08%

Bank Details

Branches

Bank Name Branch Branch Type Deposits (000's)
Umpqua Bank 1033 East First Street Port Angeles, WA 98362 Full Service B&M $33,520
Umpqua Bank 1 South E Street Lakeview, OR 97630 Full Service B&M $34,983
Umpqua Bank 10 N.E. 181st Avenue Portland, OR 97230 Full Service B&M $59,599
Umpqua Bank 100 N.E. Midland Avenue Grants Pass, OR 97526 Full Service B&M $109,971
Umpqua Bank 100 West Central Sutherlin, OR 97479 Full Service B&M $89,817
Umpqua Bank 101 E 4th Avenue Moses Lake, WA 98837 Full Service B&M $85,422
Umpqua Bank 101 South Main Street Cascade, ID 83611 Full Service B&M $48,809
Umpqua Bank 1020 South Forks Avenue Forks, WA 98331 Full Service B&M $142,131
Umpqua Bank 1027 Nw Norman Avenue Gresham, OR 97030 Full Service B&M $50,264
Umpqua Bank 111 N. Wall Street Spokane, WA 99201 Full Service B&M $776,199
Umpqua Bank 111 Pleasant Street Myrtle Creek, OR 97457 Full Service B&M $81,630
Umpqua Bank 1111 3rd Ave, Suite 100 Seattle, WA 98101 Full Service B&M $185,886
Umpqua Bank 1125 Hwy 101 South Bandon, OR 97411 Full Service B&M $92,256
Umpqua Bank 113 South Main Street Jefferson, OR 97352 Full Service B&M $54,717
Umpqua Bank 1139 Nw Lovejoy Street Portland, OR 97209 Full Service B&M $163,590
Umpqua Bank 114 D Street Wheatland, CA 95692 Full Service B&M $42,495
Umpqua Bank 11515 S.E. Mill Plain Boulevard Vancouver, WA 98684 Full Service B&M $96,912
Umpqua Bank 117 Northeast F Street Grants Pass, OR 97526 Full Service B&M $95,153
Umpqua Bank 118 W 5th Ave Ellensburg, WA 98926 Full Service B&M $63,188
Umpqua Bank 120 South Broad Street Medical Lake, WA 99022 Full Service B&M $31,237
Umpqua Bank 1200 Fifth Avenue San Rafael, CA 94901 Full Service B&M $95,008
Umpqua Bank 1204 North 20th Pasco, WA 99301 Full Service B&M $88,452
Umpqua Bank 1211 South Pearl Street Tacoma, WA 98465 Full Service B&M $104,288
Umpqua Bank 1215 Adams Avenue La Grande, OR 97850 Full Service B&M $48,019
Umpqua Bank 1224a Broadway Placerville, CA 95667 Full Service B&M $76,153
Umpqua Bank 1250 North Coast Highway Newport, OR 97365 Full Service B&M $73,397
Umpqua Bank 12550 Se 93rd Avenue, Suite 100 Clackamas, OR 97015 Full Service B&M $150,776
Umpqua Bank 1261 Auburn Way North Auburn, WA 98002 Full Service B&M $97,582
Umpqua Bank 1300 K St, Ste C Modesto, CA 95354 Full Service B&M $68,947
Umpqua Bank 1333 N California Blvd, Suite Sl30 Walnut Creek, CA 94596 Full Service B&M $137,248
Umpqua Bank 135 W. Napa St. Sonoma, CA 95476 Full Service B&M $54,603
Umpqua Bank 1360 Main Street Fortuna, CA 95540 Full Service B&M $73,066
Umpqua Bank 1377 Mohawk Boulevard, 1st Floor Springfield, OR 97477 Full Service B&M $194,443
Umpqua Bank 13775 Mono Way, Ste C Sonora, CA 95370 Full Service B&M $176,624
Umpqua Bank 138 Vista Way Kennewick, WA 99336 Full Service B&M $114,478
Umpqua Bank 1395 East Second Street Benicia, CA 94510 Full Service B&M $49,020
Umpqua Bank 1400 Grant Avenue Novato, CA 94945 Full Service B&M $142,796
Umpqua Bank 1400 Washington Street, Suite 200 Vancouver, WA 98660 Full Service B&M $205,711
Umpqua Bank 1408 Southeast 164th Avenue Vancouver, WA 98683 Full Service B&M $173,809
Umpqua Bank 146 West Second Street North Bend, WA 98045 Full Service B&M $58,983
Umpqua Bank 14638 Se Sunnyside Road Clackamas, OR 97015 Full Service B&M $47,113
Umpqua Bank 147 West Main Grangeville, ID 83530 Full Service B&M $77,321
Umpqua Bank 1498 Pacific Avenue Tacoma, WA 98402 Full Service B&M $60,160
Umpqua Bank 150 West Main Street John Day, OR 97845 Full Service B&M $27,695
Umpqua Bank 1500 Soscol Avenue Napa, CA 94559 Full Service B&M $197,055
Umpqua Bank 1545 River Park Drive, Suites 101 And 200 Sacramento, CA 95815 Full Service B&M $82,247
Umpqua Bank 1595 S. Eagle Road Meridian, ID 83642 Full Service B&M $19,477
Umpqua Bank 160 North Butte Street Willows, CA 95988 Full Service B&M $69,187
Umpqua Bank 1630 Queen Anne Avenue Seattle, WA 98109 Full Service B&M $69,162
Umpqua Bank 165 North 5th Street Monroe, OR 97456 Full Service B&M $30,746
Umpqua Bank 165 North Maple Street Yamhill, OR 97148 Full Service B&M $40,978
Umpqua Bank 16501 Ventura Blvd., Suite 101 Encino, CA 91436 Full Service B&M $124,048
Umpqua Bank 167 Ne 2nd St Stevenson, WA 98648 Full Service B&M $105,039
Umpqua Bank 1670 Williams Highway Grants Pass, OR 97527 Full Service B&M $124,253
Umpqua Bank 1680 Robb Drive Reno, NV 89523 Full Service B&M $72,263
Umpqua Bank 1701 Sw Court Avenue Pendleton, OR 97801 Full Service B&M $31,360
Umpqua Bank 1745 Through 1747 Ne Alberta Street Portland, OR 97211 Full Service B&M $53,708
Umpqua Bank 1751 Circle Lane Se Lacey, WA 98503 Limited, Drive-thru $0
Umpqua Bank 17510 Meridian East Puyallup, WA 98375 Full Service B&M $66,282
Umpqua Bank 1770 Pine Street Redding, CA 96001 Full Service B&M $83,107
Umpqua Bank 1780 East Pine Street Central Point, OR 97502 Full Service B&M $66,505
Umpqua Bank 17875 Redmond Way, Suite 110, Whole Foods Center Redmond, WA 98052 Full Service B&M $53,008
Umpqua Bank 1790 Nw Garden Valley Boulevard Roseburg, OR 97471 Full Service B&M $155,859
Umpqua Bank 185 East California Jacksonville, OR 97530 Full Service B&M $42,069
Umpqua Bank 18757 Sw Martinazzi Avenue, Suite 100 Tualatin, OR 97062 Full Service B&M $122,969
Umpqua Bank 1890 Main Street Sweet Home, OR 97386 Full Service B&M $48,730
Umpqua Bank 1900 Grant Street Concord, CA 94520 Full Service B&M $59,770
Umpqua Bank 1900 South 320th Street Federal Way, WA 98003 Full Service B&M $114,213
Umpqua Bank 19230 Alderwood Mall Parkway, Suite 110 Lynnwood, WA 98036 Full Service B&M $144,186
Umpqua Bank 1975 Winchester Avenue Reedsport, OR 97467 Full Service B&M $91,067
Umpqua Bank 199 North Nehalem Clatskanie, OR 97016 Full Service B&M $67,128
Umpqua Bank 1990 Washington Avenue Baker City, OR 97814 Full Service B&M $92,049
Umpqua Bank 2330 Broadway Avenue North Bend, OR 97459 Full Service B&M $87,570
Umpqua Bank 200 Westlake Ave N, Ste 110 Seattle, WA 98109 Full Service B&M $84,275
Umpqua Bank 20011 Ballinger Way Northeast, Suite 100 Shoreline, WA 98155 Full Service B&M $35,791
Umpqua Bank 20038 68th Avenue S. - Suite 102 Kent, WA 98032 Full Service B&M $35,930
Umpqua Bank 201 B Avenue, Suite 100 Lake Oswego, OR 97034 Full Service B&M $103,107
Umpqua Bank 201 East First Street Cle Elum, WA 98922 Full Service B&M $60,352
Umpqua Bank 201 North Main Street Sebastopol, CA 95472 Full Service B&M $68,911
Umpqua Bank 201 West Main Street Goldendale, WA 98620 Full Service B&M $59,515
Umpqua Bank 201 Western Avenue Petaluma, CA 94952 Full Service B&M $99,952
Umpqua Bank 2025 Pillsbury Road Chico, CA 95926 Full Service B&M $143,491
Umpqua Bank 203 Main Street Woodland, CA 95695 Full Service B&M $132,913
Umpqua Bank 205 West Main Street Enterprise, OR 97828 Full Service B&M $64,797
Umpqua Bank 206 East Front Street Merrill, OR 97633 Full Service B&M $58,576
Umpqua Bank 206 W. Riverside Spokane, WA 99201 Limited, Drive-thru $0
Umpqua Bank 2095 Central Avenue Mckinleyville, CA 95519 Full Service B&M $73,688
Umpqua Bank 211 East Locust Waterville, WA 98858 Full Service B&M $139,897
Umpqua Bank 211 Torbett Street Richland, WA 99354 Full Service B&M $59,699
Umpqua Bank 215 South Main Street Canyonville, OR 97417 Full Service B&M $92,305
Umpqua Bank 21601 E Country Vista Drive Liberty Lake, WA 99019 Full Service B&M $60,577
Umpqua Bank 220 East Tenth Street Medford, OR 97501 Full Service B&M $202,565
Umpqua Bank 2200 Paseo Verde Drive, Suite 100 Henderson, NV 89052 Full Service B&M $0
Umpqua Bank 224 Sw 152nd St Burien, WA 98166 Full Service B&M $117,836
Umpqua Bank 225 N. Grand Ave Pullman, WA 99163 Full Service B&M $41,068
Umpqua Bank 225 Sw 4th Avenue Ontario, OR 97914 Full Service B&M $89,299
Umpqua Bank 225 W. Santa Clara Street, Suite 150 San Jose, CA 95113 Full Service B&M $76,836
Umpqua Bank 2250 Thain Grade Road Lewiston, ID 83501 Full Service B&M $101,127
Umpqua Bank 230 Main Street Kirkland, WA 98033 Full Service B&M $57,494
Umpqua Bank 2405 Third Street Tillamook, OR 97141 Full Service B&M $156,695
Umpqua Bank 245 Commercial Street S.E. Salem, OR 97301 Full Service B&M $258,893
Umpqua Bank 250 Pioneer Street Ashland, OR 97520 Full Service B&M $146,114
Umpqua Bank 251 Pacific Avenue Glendale, OR 97442 Full Service B&M $24,375
Umpqua Bank 2515 Ne 134th St, Suite 100 Vancouver, WA 98686 Full Service B&M $111,094
Umpqua Bank 2525 North Proctor Street Tacoma, WA 98406 Full Service B&M $41,712
Umpqua Bank 25529 Southwest Gwen Drive Wilsonville, OR 97070 Full Service B&M $79,338
Umpqua Bank 2620 California Avenue Sw, Suite 500 Seattle, WA 98116 Full Service B&M $52,853
Umpqua Bank 271 H Street Blaine, WA 98230 Full Service B&M $95,424
Umpqua Bank 2710 Commercial Street, S.E. Salem, OR 97302 Full Service B&M $108,147
Umpqua Bank 2761 Del Paso Road, Suite 110 Sacramento, CA 95835 Full Service B&M $35
Umpqua Bank 2779 East Bidwell Street, Suite 400 Folsom, CA 95630 Full Service B&M $56,329
Umpqua Bank 280 South Capitol Boulevard, Floor 1 Boise, ID 83702 Full Service B&M $37,344
Umpqua Bank 2801 N Ventura Rd, Bldg G Oxnard, CA 93036 Full Service B&M $70,454
Umpqua Bank 2870 Nw Town Center Drive Beaverton, OR 97006 Full Service B&M $192,015
Umpqua Bank 2943 South 6th Street Klamath Falls, OR 97603 Full Service B&M $109,504
Umpqua Bank 29804 Ellensburg Avenue Gold Beach, OR 97444 Full Service B&M $95,203
Umpqua Bank 2998 Douglas Boulevard, Suite 100 Roseville, CA 95661 Full Service B&M $234,117
Umpqua Bank 3000 Harrison Avenue Northwest Olympia, WA 98502 Full Service B&M $38,625
Umpqua Bank 301 South Main Street Montesano, WA 98563 Full Service B&M $84,601
Umpqua Bank 301 Walker Street Orland, CA 95963 Full Service B&M $90,773
Umpqua Bank 302 South Main Street Independence, OR 97351 Full Service B&M $54,580
Umpqua Bank 303 Diagonal Street Clarkston, WA 99403 Full Service B&M $44,655
Umpqua Bank 309 West Main Street Coulee City, WA 99115 Full Service B&M $18,301
Umpqua Bank 3102 Newmarket St. Bellingham, WA 98226 Full Service B&M $40,829
Umpqua Bank 3106 Island City Ave La Grande, OR 97850 Full Service B&M $67,304
Umpqua Bank 3123-56th Street, N. W. Gig Harbor, WA 98335 Full Service B&M $64,425
Umpqua Bank 3271 Browns Valley Road Napa, CA 94558 Full Service B&M $64,819
Umpqua Bank 3301 E. Fourth Plain Boulevard Vancouver, WA 98661 Full Service B&M $93,719
Umpqua Bank 333 Main Street Red Bluff, CA 96080 Full Service B&M $130,457
Umpqua Bank 333 Sw Ellsworth St Albany, OR 97321 Full Service B&M $110,177
Umpqua Bank 3333 North Lombard Portland, OR 97217 Full Service B&M $54,389
Umpqua Bank 345 8th Street Myrtle Point, OR 97458 Full Service B&M $35,879
Umpqua Bank 3490 South Virginia Street Reno, NV 89502 Full Service B&M $176,207
Umpqua Bank 3505 Spangler Lane Suite 300, Suite 300 Copperopolis, CA 95228 Full Service B&M $35,595
Umpqua Bank 3557 Se Hawthorne Blvd Portland, OR 97214 Full Service B&M $142,410
Umpqua Bank 3626 Bel Aire Plaza Napa, CA 94558 Full Service B&M $59,303
Umpqua Bank 365 10th And D Street Plummer, ID 83851 Full Service B&M $30,852
Umpqua Bank 3700 Lone Tree Way Antioch, CA 94509 Full Service B&M $65,776
Umpqua Bank 373 West St. Charles Street San Andreas, CA 95249 Full Service B&M $65,468
Umpqua Bank 3738 West 11th Avenue Eugene, OR 97402 Full Service B&M $194,807
Umpqua Bank 3880 El Dorado Hills Blvd, Suite 100 El Dorado Hills, CA 95762 Full Service B&M $74,794
Umpqua Bank 390 Sw Century Drive, Suite 100 Bend, OR 97702 Full Service B&M $216,474
Umpqua Bank 3938 24th Street San Francisco, CA 94114 Full Service B&M $37,804
Umpqua Bank 400 Sw Bluff Drive, Suite 100 Bend, OR 97702 Limited, Mobile/Seasonal Office $0
Umpqua Bank 4000 South Pacific Highway Phoenix, OR 97535 Full Service B&M $94,327
Umpqua Bank 401 North Market Boulevard Chehalis, WA 98532 Full Service B&M $151,070
Umpqua Bank 4011 Plaza Goldorado Circle Cameron Park, CA 95682 Full Service B&M $64,404
Umpqua Bank 403 Davis Street Vacaville, CA 95688 Full Service B&M $101,545
Umpqua Bank 4040 Macarthur Boulevard, Suite 100 Newport Beach, CA 92660 Full Service B&M $223,850
Umpqua Bank 415 De Haro Street, Units 101 And 102 San Francisco, CA 94107 Full Service B&M $32,514
Umpqua Bank 415 Nw 3rd Street Corvallis, OR 97330 Full Service B&M $117,298
Umpqua Bank 4150 Ne Hancock St Portland, OR 97212 Full Service B&M $203,642
Umpqua Bank 424 South Main Street Troy, ID 83871 Full Service B&M $43,836
Umpqua Bank 4280 Main Street Kelseyville, CA 95451 Full Service B&M $58,309
Umpqua Bank 430 Hwy 101 Florence, OR 97439 Full Service B&M $43,954
Umpqua Bank 4335 Ne Fremont Street, Unit 4 Portland, OR 97213 Full Service B&M $68,393
Umpqua Bank 445 S.E. Main Street Roseburg, OR 97470 Full Service B&M $1,104,612
Umpqua Bank 450 East Main Othello, WA 99344 Full Service B&M $39,383
Umpqua Bank 450 Sansome Street Suite 120 San Francisco, CA 94111 Full Service B&M $616,512
Umpqua Bank 475 North East Windy Knolls Drive Bend, OR 97701 Full Service B&M $44,068
Umpqua Bank 476 Tyee Drive Point Roberts, WA 98281 Full Service B&M $40,650
Umpqua Bank 479 North Central Blvd Coquille, OR 97423 Full Service B&M $63,017
Umpqua Bank 4802 Tacoma Mall Boulevard Tacoma, WA 98409 Full Service B&M $44,522
Umpqua Bank 497 Oakway Road, Suite 100 Eugene, OR 97401 Full Service B&M $359,718
Umpqua Bank 500 Auburn Folsom Rd, Suite 200 Auburn, CA 95603 Full Service B&M $123,317
Umpqua Bank 507 N Mullan Rd Spokane, WA 99206 Full Service B&M $102,432
Umpqua Bank 524 West Monroe Burns, OR 97720 Full Service B&M $39,420
Umpqua Bank 540 Amanda Street Arbuckle, CA 95912 Full Service B&M $95,578
Umpqua Bank 540 Main Street Klamath Falls, OR 97601 Full Service B&M $130,454
Umpqua Bank 5512 22nd Avenue Nw Seattle, WA 98107 Full Service B&M $68,295
Umpqua Bank 601 West Main Street Battle Ground, WA 98604 Full Service B&M $103,888
Umpqua Bank 601 West Main Street Brewster, WA 98812 Full Service B&M $110,847
Umpqua Bank 6015 100th Street Sw Lakewood, WA 98499 Full Service B&M $35,835
Umpqua Bank 6061 Stanford Ranch Rd Rocklin, CA 95765 Full Service B&M $90,138
Umpqua Bank 607 South State Street Ukiah, CA 95482 Full Service B&M $83,903
Umpqua Bank 609 South Washington St Moscow, ID 83843 Full Service B&M $112,558
Umpqua Bank 61515 South Highway 97 Bend, OR 97702 Full Service B&M $111,169
Umpqua Bank 6175 Ne Cornell Road Hillsboro, OR 97124 Full Service B&M $30,609
Umpqua Bank 624 S. Main Street, Suite 101 Templeton, CA 93465 Full Service B&M $50,863
Umpqua Bank 625 East Gibbs Avenue Cottage Grove, OR 97424 Full Service B&M $79,817
Umpqua Bank 641 Main Street Weaverville, CA 96093 Full Service B&M $42,305
Umpqua Bank 655 Fremont Street Colusa, CA 95932 Full Service B&M $67,484
Umpqua Bank 6610 Sw Cardinal Lane, Suite 100 Tigard, OR 97224 Full Service B&M $244,927
Umpqua Bank 6641 Oakmont Drive Santa Rosa, CA 95409 Full Service B&M $74,816
Umpqua Bank 675 Oak Street, Suite 100 Eugene, OR 97401 Full Service B&M $346,395
Umpqua Bank 680 W Rose St Walla Walla, WA 99362 Full Service B&M $53,669
Umpqua Bank 700 E Street Marysville, CA 95901 Full Service B&M $72,200
Umpqua Bank 700 N. Central Ave., Suite150 Glendale, CA 91203 Full Service B&M $542,717
Umpqua Bank 700 South Broadway, Suite 100 Coos Bay, OR 97420 Full Service B&M $146,463
Umpqua Bank 701 Fifth Street Eureka, CA 95501 Full Service B&M $240,596
Umpqua Bank 705 Nw Gilman Boulevard Issaquah, WA 98027 Full Service B&M $77,225
Umpqua Bank 7120 Greenwood Avenue North Seattle, WA 98103 Full Service B&M $65,947
Umpqua Bank 721 Chetco Avenue Brookings, OR 97415 Full Service B&M $120,862
Umpqua Bank 73 Northeast Estes Street White Salmon, WA 98672 Full Service B&M $78,231
Umpqua Bank 7365 Sw Barnes Road Portland, OR 97225 Full Service B&M $147,082
Umpqua Bank 749 Sleater-Kinney Road Lacey, WA 98503 Full Service B&M $53,684
Umpqua Bank 750 Sw Yamhill Street Portland, OR 97205 Full Service B&M $158,270
Umpqua Bank 777 Colusa Avenue Yuba City, CA 95991 Full Service B&M $217,490
Umpqua Bank 777 Park Street Lebanon, OR 97355 Full Service B&M $51,643
Umpqua Bank 7777 Alvarado Rd, Ste 114 La Mesa, CA 91942 Full Service B&M $417,943
Umpqua Bank 7777 Alvarado Road, Suite 515 La Mesa, CA 91942 Limited, Drive-thru $0
Umpqua Bank 780 Nw Garden Valley Blvd Suite 57, Suite 57 Roseburg, OR 97471 Full Service B&M $135,333
Umpqua Bank 7803 Se 27th #170 Mercer Island, WA 98040 Full Service B&M $69,003
Umpqua Bank 7837 Sw Capitol Hwy, Suite 101 Portland, OR 97219 Full Service B&M $58,594
Umpqua Bank 7843 Highway 99e Los Molinos, CA 96055 Full Service B&M $34,827
Umpqua Bank 7851 Se 13th Avenue Portland, OR 97202 Full Service B&M $83,385
Umpqua Bank 7921 Walerga Road Antelope, CA 95843 Full Service B&M $38,278
Umpqua Bank 801 Fourth Street Santa Rosa, CA 95404 Full Service B&M $217,213
Umpqua Bank 8015 North East Highway 99 Hazel Dell, WA 98665 Full Service B&M $190,252
Umpqua Bank 805 Eleventh Street Lakeport, CA 95453 Full Service B&M $143,881
Umpqua Bank 805 Twelve Bridges Drive, Suite 10 Lincoln, CA 95648 Full Service B&M $126,484
Umpqua Bank 8060 N. Cornerstone Drive Hayden, ID 83835 Full Service B&M $60,506
Umpqua Bank 810 South Highway 395 Hermiston, OR 97838 Full Service B&M $30,088
Umpqua Bank 822 Central Avenue Oroville, WA 98844 Full Service B&M $60,310
Umpqua Bank 828 Ne Northgate Way Seattle, WA 98125 Full Service B&M $55,484
Umpqua Bank 87 Highway 26 Valley Springs, CA 95252 Full Service B&M $61,554
Umpqua Bank 89 Lakewood Mall, Suite 89 Lodi, CA 95242 Full Service B&M $52,392
Umpqua Bank 900 Second Street Mccall, ID 83638 Full Service B&M $58,781
Umpqua Bank 9078 Brooks Road South Windsor, CA 95492 Full Service Retail $53,699
Umpqua Bank 910 Tahoe Blvd #101 Incline Village, NV 89451 Full Service B&M $100,824
Umpqua Bank 915 Redwood Drive, Suite B Garberville, CA 95542 Full Service B&M $62,836
Umpqua Bank 948 Sw 9th Street Redmond, OR 97756 Full Service B&M $49,438
Umpqua Bank 9610 Bruceville Road, Suite 100 Elk Grove, CA 95757 Full Service B&M $81,430
Umpqua Bank 976 A Admiral Callaghan Lane Vallejo, CA 94591 Full Service B&M $36,640
Umpqua Bank 9921 Highway 12 Southwest Rochester, WA 98579 Full Service B&M $48,354
Umpqua Bank 9990 Double R. Blvd. Reno, NV 89521 Full Service B&M $88,095
Umpqua Bank Broadway East, Suite 12 Seattle, WA 98102 Full Service B&M $115,929
Umpqua Bank E. 103 Queen Ave Spokane, WA 99207 Full Service B&M $94,158
Umpqua Bank One Capitol Mall, Suite 600 Sacramento, CA 95814 Full Service B&M $116,152
Umpqua Bank One Sw Columbia Street, Suite 150 Portland, OR 97258 Full Service B&M $496,383
Umpqua Bank S. 3000 Grand Boulevard Spokane, WA 99203 Full Service B&M $72,334
Umpqua Bank 10406 North Division Street, Suite 101 Spokane, WA 99218 Full Service B&M $0
Umpqua Bank 1055 West College Avenue Santa Rosa, CA 95401 Full Service B&M $37,684
Umpqua Bank 1063 G Street Arcata, CA 95521 Full Service B&M $145,670
Umpqua Bank 1065 Main Street Saint Helena, CA 94574 Full Service B&M $59,370
Umpqua Bank 10705 North East 4th Plain Boulevard Vancouver, WA 98662 Full Service B&M $98,643
Umpqua Bank 108 East First Avenue Ritzville, WA 99169 Full Service B&M $25,824
Umpqua Bank 10885 N.E. 4th Street, Suite 100 Bellevue, WA 98004 Full Service B&M $213,623
Umpqua Bank 109-35th Avenue, Se Puyallup, WA 98374 Full Service B&M $63,865
Umpqua Bank 11 Ridge Road Sutter Creek, CA 95685 Full Service B&M $37,829
Umpqua Bank 110 Pine St Rogue River, OR 97537 Full Service B&M $66,040
Umpqua Bank 1106 Sherman Avenue Coeur D Alene, ID 83814 Full Service B&M $41,292
Umpqua Bank 1211 E. Mcandrews Rd Medford, OR 97504 Full Service B&M $125,395

Yearly Performance Overview

Bank Income

Item Value (in 000's)
Total interest income $1,016,987
Net interest income $901,541
Total noninterest income $388,564
Gross Fiduciary activities income $0
Service charges on deposit accounts $39,340
Trading account gains and fees $956
Additional Noninterest Income $348,268
Pre-tax net operating income $-1,440,725
Securities gains (or losses, -) $959
Income before extraordinary items $-1,510,523
Discontinued Operations (Extraordinary gains, net) $0
Net income of bank and minority interests $-1,510,523
Minority interest net income $0
Net income $-1,510,523
Sale, conversion, retirement of capital stock, net $7,263
Net operating income $-1,511,482

Bank Expenses

Item Value (in 000's)
Total interest expense $115,446
Provision for credit losses $191,872
Total noninterest expense $2,538,958
Salaries and employee benefits $467,087
Premises and equipment expense $79,544
Additional noninterest expense $1,992,327
Applicable income taxes $70,757
Net charge-offs $71,097
Cash dividends $213,000

Loan Performance

Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
All loans 0.0%
Real Estate loans 0.0%
Construction & Land Development loans 0.0%
Nonfarm, nonresidential loans 0.0%
Multifamily residential loans 0.0%
1-4 family residential loans 0.0%
HELOC loans 0.0%
All other family 0.0%
Commercial & industrial loans 0.0%
Personal loans 0.0%
Credit card loans 0.0%
Other individual loans 0.0%
Auto loans 0.0%
Other consumer loans 0.0%
Unsecured commercial real estate loans 0.0%

Deposits

Type Value (in 000's)
Total deposits $24,761,618
Deposits held in domestic offices $24,761,618
Deposits by Individuals, partnerships, and corporations $22,989,712
Deposits by U.S. Government $0
Deposits by States and political subdivisions in the U.S. $1,766,564
Deposits by Commercial banks and other depository institutions in U.S. $5,342
Deposits by Banks in foreign countries $0
Deposits by Foreign governments and official institutions $0
Transaction accounts $12,846,827
Demand deposits $12,846,826
Nontransaction accounts $11,914,791
Money market deposit accounts (MMDAs) $7,173,919
Other savings deposits (excluding MMDAs) $1,889,620
Total time deposits $2,851,252
Total time and savings deposits $11,914,792
Noninterest-bearing deposits $9,772,190
Interest-bearing deposits $14,989,428
Retail deposits $23,582,887
IRAs and Keogh plan accounts $377,338
Brokered deposits $424,077
Deposits held in foreign offices $0

Assets

Asset Value (in 000's)
Total Assets $29,231,539
Cash & Balances due from depository institutions $2,561,944
Interest-bearing balances $2,202,960
Total securities $3,005,795
Federal funds sold & reverse repurchase $2
Net loans and leases $22,217,191
Loan and leases loss allowance $328,401
Trading account assets $12,489
Bank premises and fixed assets $270,313
Other real estate owned $1,810
Goodwill and other intangibles $112,410
All other assets $1,049,585

Liabilities

Liabilities Value (in 000's)
Total liabilities and capital $29,231,539
Total Liabilities $26,317,890
Total deposits $24,761,618
Interest-bearing deposits $14,989,428
Deposits held in domestic offices $24,761,618
% insured (estimated) $58
Federal funds purchased and repurchase agreements $375,384
Trading liabilities $0
Other borrowed funds $771,482
Subordinated debt $0
All other liabilities $409,406

Issued Loan Types

Type Value (in 000's)
Net loans and leases $22,217,191
Loan and leases loss allowance $328,401
Total loans and leases (domestic) $22,545,592
All real estate loans $16,052,136
Real estate loans in domestic offices $16,052,136
Construction and development loans $1,599,897
Residential 1-4 family construction $708,795
Other construction, all land development and other land $891,102
Loans secured by nonfarm nonresidential properties $5,538,536
Nonfarm nonresidential secured by owner-occupied properties $2,075,288
Commercial real estate & other non-farm, non-residential $3,463,248
Multifamily residential real estate $3,385,409
1-4 family residential loans $5,221,117
Farmland loans $307,177
Loans held in foreign offices $0
Farm loans $182,344
Commercial and industrial loans $4,824,009
To non-U.S. addressees $1,759
Loans to individuals $294,296
Credit card loans $0
Related Plans $143,218
Consumer Auto Loans $109,854
Other loans to individuals $41,224
All other loans & leases $1,192,807
Loans to foreign governments and official institutions $0
Other loans $227,168
Loans to depository institutions and acceptances of other banks $279
Loans not secured by real estate $1,405
Loans secured by real estate to non-U.S. addressees $16,509
Restructured Loans & leases $13,507
Non 1-4 family restructured loans & leases $2,576
Total loans and leases (foreign) $0

Small Business Loans

Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
Nonfarm, nonresidential loans - <$1MM 2,316 $621,670 $268,424
Nonfarm, nonresidential loans - <$100k 105 $4,117 $39,210
Nonfarm, nonresidential loans - $100-250k 581 $64,061 $110,260
Nonfarm, nonresidential loans - $250k-1MM 1,630 $553,492 $339,566
Commercial & Industrial, US addressed loans - <$1MM 48,413 $2,138,537 $44,173
Commercial & Industrial, US addressed loans - <$100k 41,598 $1,022,789 $24,587
Commercial & Industrial, US addressed loans - $100-250k 4,985 $551,020 $110,536
Commercial & Industrial, US addressed loans - $250k-1MM 1,830 $564,728 $308,595
Farmland loans - <$1MM 100 $17,565 $175,650
Farmland loans - <$100k 11 $331 $30,091
Farmland loans - $100-250k 39 $3,887 $99,667
Farmland loans - $250k-1MM 50 $13,347 $266,940
Agriculture operations loans - <$1MM 307 $19,699 $64,166
Agriculture operations loans - <$100k 150 $2,623 $17,487
Agriculture operations loans - $100-250k 91 $6,729 $73,945
Agriculture operations loans - $250k-1MM 66 $10,347 $156,773