Umpqua Bank Mortgage Rates, Fees & Info

Roseburg, OR

LEI: IFQSIUC9AGQV2NE8CN25

Tax ID: 93-0419143

1 stars - Updated: 4/5/25 - out of 5 stars, based on 71 reviews

Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

Umpqua Bank is a small bank specializing in 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 by origination volume include: Seattle, Portland, Bend, Eugene, and Salem among others. We have data for 99 markets. (Some data included below & more in-depth data is available with an active subscription.)

Umpqua 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. Umpqua 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 relatively high 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.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
Home Equity Line of Credit (HELOC) 6.72% 4/5/25
30 Year Conventional Purchase 6.90% 4/5/25
30 Year Conventional Refi 6.90% 4/5/25
30 Year Cash-out Refi 7.20% 4/5/25
30 Year FHA Purchase 7.25% 4/5/25
30 Year FHA Refi 7.57% 4/5/25
30 Year VA Purchase 6.57% 4/5/25
30 Year VA Refi 6.57% 4/5/25
30 Year USDA Purchase 7.06% 4/5/25
15 Year Conventional Purchase 1.43% 4/5/25
15 Year Conventional Refi 5.88% 4/5/25
15 Year Cash-out Refi 5.88% 4/5/25
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.

Umpqua Bank Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Umpqua Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

4,989

Origination Dollar Volume (All Markets)

$1,671,125,000
Show all (13) awards

Relative Rate

Umpqua Bank's average 30 year fixed mortgage rate was 8.3%.

The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.

This yields a difference of 1.75%.

Relative Fees (Closing Costs)

Umpqua Bank's average total fees/closing costs for a 30 year fixed rate mortgage were $7,659.

The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $8,356.

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) 825 $342,165,000 $414,745 $8,003 8.41%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 630 $206,860,000 $328,349 $7,331 7.99%
BEND, OR (FHA|USDA|VA) 168 $87,630,000 $521,607 $9,682 7.52%
Outside of Metro Areas 339 $80,425,000 $237,242 $6,996 7.99%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 183 $55,335,000 $302,377 $7,124 6.99%
SALEM, OR (FHA|USDA|VA) 209 $51,955,000 $248,589 $7,127 7.61%
MEDFORD, OR (FHA|USDA|VA) 97 $51,045,000 $526,237 $5,535 8.10%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 48 $48,630,000 $1,013,125 $7,894 8.39%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 174 $47,590,000 $273,506 $7,931 7.40%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 147 $42,495,000 $289,082 $7,623 8.57%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 119 $40,465,000 $340,042 $7,128 8.70%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 63 $37,555,000 $596,111 $11,177 7.99%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 115 $37,265,000 $324,043 $7,183 8.02%
Outside of Metro Areas 74 $25,880,000 $349,730 $7,680 7.34%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 69 $22,435,000 $325,145 $7,387 8.05%
Roseburg, OR (FHA|USDA|VA) 122 $20,870,000 $171,066 $6,396 7.87%
ALBANY-LEBANON, OR (FHA|USDA|VA) 90 $20,600,000 $228,889 $7,304 8.25%
CORVALLIS, OR (FHA|USDA|VA) 61 $19,045,000 $312,213 $7,174 7.50%
Ellensburg, WA (FHA|USDA|VA) 59 $17,565,000 $297,712 $8,067 8.18%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 27 $14,995,000 $555,370 $8,146 7.97%
NAPA, CA (FHA|USDA|VA) 21 $14,735,000 $701,667 $9,834 7.90%
Coos Bay, OR (FHA|USDA|VA) 97 $14,145,000 $145,825 $4,929 8.52%
BOISE CITY, ID (FHA|USDA|VA) 44 $14,010,000 $318,409 $6,145 8.13%
Sandpoint, ID (FHA|USDA|VA) 41 $13,935,000 $339,878 $7,018 8.13%
BELLINGHAM, WA (FHA|USDA|VA) 54 $13,580,000 $251,481 $4,662 8.27%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 26 $13,130,000 $505,000 $0 8.65%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 16 $12,350,000 $771,875 $9,071 7.81%
RENO, NV (FHA|USDA|VA) 30 $11,490,000 $383,000 $7,328 8.12%
WENATCHEE, WA (FHA|USDA|VA) 19 $11,405,000 $600,263 $10,112 8.10%
Newport, OR (FHA|USDA|VA) 50 $11,390,000 $227,800 $7,275 8.44%
Astoria, OR (FHA|USDA|VA) 33 $10,555,000 $319,848 $8,004 8.39%
Klamath Falls, OR (FHA|USDA|VA) 49 $10,375,000 $211,735 $6,650 8.32%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 36 $10,250,000 $284,722 $9,641 8.48%
LONGVIEW, WA (FHA|USDA|VA) 30 $10,200,000 $340,000 $7,299 7.46%
Hailey, ID (FHA|USDA|VA) 1 $10,005,000 $10,005,000 $31,913 5.88%
Hermiston-Pendleton, OR (FHA|USDA|VA) 43 $9,995,000 $232,442 $8,655 7.71%
REDDING, CA (FHA|USDA|VA) 43 $9,945,000 $231,279 $8,666 8.40%
GRANTS PASS, OR (FHA|USDA|VA) 40 $9,760,000 $244,000 $5,962 7.87%
YAKIMA, WA (FHA|USDA|VA) 36 $9,410,000 $261,389 $6,497 8.07%
Brookings, OR (FHA|USDA|VA) 37 $9,305,000 $251,486 $5,905 8.27%
Eureka-Arcata, CA (FHA|USDA|VA) 45 $8,985,000 $199,667 $7,071 8.31%
Moscow, ID (FHA|USDA|VA) 19 $8,525,000 $448,684 $4,161 8.84%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 14 $8,440,000 $602,857 $5,269 8.41%
MODESTO, CA (FHA|USDA|VA) 29 $7,955,000 $274,310 $6,891 7.74%
Centralia, WA (FHA|USDA|VA) 29 $7,765,000 $267,759 $7,854 8.84%
Ukiah, CA (FHA|USDA|VA) 23 $7,605,000 $330,652 $9,943 7.40%
Edwards, CO (FHA|USDA|VA) 1 $7,505,000 $7,505,000 $0 7.50%
VALLEJO, CA (FHA|USDA|VA) 28 $7,390,000 $263,929 $8,753 8.77%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 18 $5,980,000 $332,222 $6,584 7.98%
The Dalles, OR (FHA|USDA|VA) 22 $5,970,000 $271,364 $11,646 7.87%
Shelton, WA (FHA|USDA|VA) 20 $5,370,000 $268,500 $7,814 7.73%
Prineville, OR (FHA|USDA|VA) 15 $5,215,000 $347,667 $10,477 8.37%
WALLA WALLA, WA (FHA|USDA|VA) 23 $4,915,000 $213,696 $6,686 7.60%
LEWISTON, ID-WA (FHA|USDA|VA) 28 $4,730,000 $168,929 $6,671 8.39%
Clearlake, CA (FHA|USDA|VA) 23 $4,595,000 $199,783 $9,074 8.10%
MERCED, CA (FHA|USDA|VA) 12 $4,450,000 $370,833 $7,812 5.72%
YUBA CITY, CA (FHA|USDA|VA) 24 $4,390,000 $182,917 $9,645 8.37%
STOCKTON, CA (FHA|USDA|VA) 15 $4,105,000 $273,667 $5,536 8.16%
Hood River, OR (FHA|USDA|VA) 10 $4,030,000 $403,000 $10,253 8.38%
URBAN HONOLULU, HI (FHA|USDA|VA) 1 $3,905,000 $3,905,000 $29,981 6.25%
La Grande, OR (FHA|USDA|VA) 24 $3,590,000 $149,583 $6,220 8.16%
Aberdeen, WA (FHA|USDA|VA) 19 $3,375,000 $177,632 $5,726 8.59%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 7 $3,215,000 $459,286 $11,734 7.66%
Oak Harbor, WA (FHA|USDA|VA) 7 $2,985,000 $426,429 $8,675 7.45%
Red Bluff, CA (FHA|USDA|VA) 20 $2,920,000 $146,000 $7,109 8.63%
Pullman, WA (FHA|USDA|VA) 12 $2,540,000 $211,667 $8,227 8.66%
Port Angeles, WA (FHA|USDA|VA) 14 $2,410,000 $172,143 $5,016 8.09%
CHICO, CA (FHA|USDA|VA) 15 $2,385,000 $159,000 $9,725 8.97%
SALINAS, CA (FHA|USDA|VA) 3 $2,245,000 $748,333 $0 6.43%
Ontario, OR-ID (FHA|USDA|VA) 14 $1,910,000 $136,429 $5,284 8.65%
Moses Lake, WA (FHA|USDA|VA) 17 $1,845,000 $108,529 $5,825 9.07%
Othello, WA (FHA|USDA|VA) 10 $1,740,000 $174,000 $11,717 8.43%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 4 $1,730,000 $432,500 $7,407 8.59%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 6 $1,560,000 $260,000 $11,702 8.63%
Sonora, CA (FHA|USDA|VA) 7 $1,475,000 $210,714 $8,629 6.98%
Susanville, CA (FHA|USDA|VA) 4 $1,390,000 $347,500 $5,797 5.35%
Truckee-Grass Valley, CA (FHA|USDA|VA) 3 $1,175,000 $391,667 $19,487 8.29%
Crescent City, CA (FHA|USDA|VA) 5 $1,175,000 $235,000 $7,299 8.60%
Gardnerville Ranchos, NV (FHA|USDA|VA) 1 $1,095,000 $1,095,000 $5,367 6.88%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 3 $1,095,000 $365,000 $0 8.71%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 5 $955,000 $191,000 $6,317 7.63%
TUCSON, AZ (FHA|USDA|VA) 4 $860,000 $215,000 $5,883 7.84%
YUMA, AZ (FHA|USDA|VA) 4 $510,000 $127,500 $4,463 7.59%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 1 $505,000 $505,000 $8,513 5.63%
Winnemucca, NV (FHA|USDA|VA) 1 $465,000 $465,000 $13,989 8.13%
BAKERSFIELD, CA (FHA|USDA|VA) 2 $420,000 $210,000 $3,718 8.13%
POCATELLO, ID (FHA|USDA|VA) 1 $415,000 $415,000 $14,562 6.50%
Pahrump, NV (FHA|USDA|VA) 1 $365,000 $365,000 $7,777 6.38%
CARSON CITY, NV (FHA|USDA|VA) 1 $355,000 $355,000 $5,019 5.25%
GREAT FALLS, MT (FHA|USDA|VA) 1 $285,000 $285,000 $7,089 6.88%
Elko, NV (FHA|USDA|VA) 1 $275,000 $275,000 $1,471 3.50%
FRESNO, CA (FHA|USDA|VA) 1 $275,000 $275,000 $11,287 7.00%
TWIN FALLS, ID (FHA|USDA|VA) 1 $235,000 $235,000 $0 6.50%
FLAGSTAFF, AZ (FHA|USDA|VA) 1 $155,000 $155,000 $0 8.50%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 1 $155,000 $155,000 $0 8.75%
Mountain Home, ID (FHA|USDA|VA) 1 $125,000 $125,000 $4,637 7.38%
Fernley, NV (FHA|USDA|VA) 1 $105,000 $105,000 $0 9.15%
SALT LAKE CITY, UT (FHA|USDA|VA) 1 $105,000 $105,000 $0 9.25%
PROVO-OREM, UT (FHA|USDA|VA) 1 $105,000 $105,000 $0 10.00%
Umpqua Bank's top markets include Seattle, Portland, Bend, Eugene, and Salem among others.

Their top states include:
  • Washington (FHA|USDA|VA)
  • Oregon (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Idaho (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    HELOC 2,946 $661,820,000 $224,650 n/a 9.24%
    Conventional 1,836 $930,430,000 $506,770 $7,140 6.36%
    FHA 124 $43,600,000 $351,613 $14,422 6.27%
    VA 73 $32,915,000 $450,890 $8,787 6.13%
    USDA 10 $2,360,000 $236,000 $8,504 6.55%

    For 2024, Umpqua Bank's most frequently originated type of loan was HELOC, with 2,946 originations. Their 2nd most popular type was Conventional, with 1,836 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,706 $840,910,000 $492,913 $7,606 6.36%
    Home Improvement 1,388 $236,990,000 $170,742 $5,587 9.27%
    Other 886 $200,930,000 $226,783 $6,522 9.09%
    Refi 819 $317,245,000 $387,357 $7,074 8.65%
    Cash Out Refi 190 $75,050,000 $395,000 $7,984 6.87%

    For 2024, Umpqua Bank's most frequently cited loan purpose was Home Purchase, with 1,706 originations. The 2nd most popular reason was Home Improvement, with 1,388 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 4,475 $1,363,095,000 $304,602 $7,659 8.30%
    30+ year 190 $150,640,000 $792,842 $11,920 7.70%
    15 Year 177 $22,595,000 $127,655 $2,372 2.20%
    Other 87 $64,005,000 $735,690 $3,073 8.52%
    10 Year 30 $46,580,000 $1,552,667 $3,492 7.21%
    20 Year 16 $3,320,000 $207,500 $6,143 5.67%
    3 Year 8 $2,890,000 $361,250 $400 9.15%
    5 Year 6 $18,000,000 $3,000,000 $0 7.25%

    For 2024, Umpqua Bank's most frequently cited loan duration was 30 Year, with 4,475 originations. The 2nd most popular length was 30+ year, with 190 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $5k+ 586 $300,700,000 $513,140
    $1k-2k 456 $254,590,000 $558,311
    $4k-5k 311 $170,415,000 $547,958
    $3k-4k 218 $76,010,000 $348,670
    $2k-3k 199 $66,495,000 $334,146
    $<1k 168 $18,080,000 $107,619

    Umpqua Bank's average total fees were $7,659, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 586 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    Over 8% 2,950 $630,500,000 $213,729
    6-7% 1,043 $537,835,000 $515,662
    7-8% 574 $364,000,000 $634,146
    5-6% 271 $119,695,000 $441,679
    <2.5% 127 $3,525,000 $27,756
    4-5% 13 $9,145,000 $703,462
    3-4% 9 $5,775,000 $641,667
    2.5-3% 2 $650,000 $325,000

    During 2024, Umpqua Bank's average interest rate for loans was 8.30%, while their most frequently originated rate bucket for loans was Over 8%, with 2,950 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 1,376 $397,900,000 $289,172 $7,460 7.73%
    $100,000 or less 1,218 $65,730,000 $53,966 $1,347 8.45%
    $100k-200k 1,101 $146,965,000 $133,483 $5,141 8.70%
    $400k-600k 677 $326,165,000 $481,780 $8,770 7.54%
    $600k-1MM 379 $282,225,000 $744,657 $9,542 7.46%
    $1MM+ 238 $452,140,000 $1,899,748 $10,766 7.34%

    2024 saw Umpqua Bank place emphasis on $200k-400k loans with 1,376 originations, totaling $397,900,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 1,085 $338,155,000 $311,664 $8,414 8.40%
    $100k-150k 1,053 $242,885,000 $230,660 $7,793 8.22%
    $250k+ 1,039 $711,935,000 $685,212 $9,384 8.17%
    $75k-100k 725 $138,575,000 $191,138 $6,568 7.53%
    $50k-75k 633 $96,155,000 $151,904 $5,770 7.68%
    $50k or less 296 $27,960,000 $94,459 $4,546 8.14%

    Umpqua Bank lent most frequently to those with incomes in the $150k-250k range, with 1,085 originations. The second most popular income band? $100k-150k, with 1,053 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 795 $245,085,000 $308,283 $7,457 8.44%
    30-36% 784 $244,030,000 $311,263 $7,362 8.24%
    <20% 385 $119,015,000 $309,130 $7,315 8.45%
    45% 374 $102,000,000 $272,727 $5,887 8.48%
    44% 340 $106,530,000 $313,324 $8,102 8.21%
    49% 250 $72,130,000 $288,520 $8,088 7.75%
    43% 249 $64,965,000 $260,904 $7,444 7.85%
    42% 248 $97,070,000 $391,411 $8,193 7.84%
    41% 189 $64,355,000 $340,503 $7,099 7.48%
    40% 181 $66,815,000 $369,144 $8,053 7.79%
    39% 178 $56,510,000 $317,472 $6,881 7.96%
    38% 159 $56,915,000 $357,956 $6,993 7.71%
    37% 152 $55,620,000 $365,921 $8,292 7.97%
    36% 136 $46,970,000 $345,368 $7,314 8.05%
    50-60% 134 $39,330,000 $293,507 $12,067 8.02%
    48% 133 $44,665,000 $335,827 $8,163 7.45%
    47% 128 $37,780,000 $295,156 $7,097 6.99%
    46% 118 $32,250,000 $273,305 $5,996 6.96%
    >60% 4 $1,000,000 $250,000 $6,271 6.28%

    Umpqua Bank lent most frequently to those with DTI ratios of 20-30%, with 795 originations. The next most common DTI ratio? 30-36%, with 784 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 3,711 $1,104,265,000 $297,565 $7,479 8.08%
    Not provided 867 $349,255,000 $402,832 $7,583 7.92%
    Asian 208 $89,940,000 $432,404 $8,399 8.15%
    Not applicable 40 $86,060,000 $2,151,500 $0 7.39%
    American Indian 65 $12,465,000 $191,769 $8,538 8.46%
    Black 44 $10,280,000 $233,636 $8,197 7.71%
    Other Asian 11 $6,485,000 $589,545 $8,358 7.44%
    Native Hawaiian or Islander 27 $5,085,000 $188,333 $8,633 8.74%
    Asian Indian 6 $3,210,000 $535,000 $7,208 8.21%
    Chinese 2 $1,470,000 $735,000 $0 7.75%
    Korean 2 $1,310,000 $655,000 $0 8.00%
    Guamanian 1 $505,000 $505,000 $3,693 7.38%
    Vietnamese 1 $455,000 $455,000 $0 8.75%
    Filipino 2 $180,000 $90,000 $0 9.45%
    Other Pacific Islander 1 $105,000 $105,000 $0 9.00%
    Japanese 1 $55,000 $55,000 $0 8.75%

    Approval Rates

    Total approvals of all applications
    79.95%

    Umpqua Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    81.44%

    Umpqua Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 4,989 $1,671,125,000 $334,962

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    4,989 $1,671,125,000 $334,962

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 1,114 $299,020,000 $268,420 $5,896 8.79%
    40-60% 614 $327,180,000 $532,866 $7,044 7.88%
    60-80% 773 $478,875,000 $619,502 $8,667 7.36%
    80-100% 819 $396,215,000 $483,779 $8,442 6.73%
    Over 100% 10 $18,470,000 $1,847,000 $19,487 6.31%
    Under 20% 1,657 $150,485,000 $90,818 $1,443 8.62%