Umpqua Bank Mortgage Rates, Fees & Info
Roseburg, ORLEI: IFQSIUC9AGQV2NE8CN25
Tax ID: 93-0419143
4.6 stars
2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Bank Data
Overview
Umpqua Bank is a large bank specializing in Home Purchase and Refi 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, Los Angeles, and San Francisco among others. Umpqua Bank has an above average approval rate for mortages when compared nationally. 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
24,557Origination Dollar Volume (All Markets)
$9,874,425,000Employee count
3,733Awards
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Umpqua Bank - 2021
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Relative Rate
Umpqua Bank's average 30 year fixed rate mortgage of loans were
3.05%.
The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.
This yields a difference of -0.1%.
Relative Fees
Umpqua Bank's average total fees for a 30 year fixed rate
mortgage are $5,509.
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 $4,750.
Top Markets
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 4,533 | $1,954,985,000 | $431,278 | $5,911 | 3.03% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 3,877 | $1,846,945,000 | $476,385 | $5,516 | 2.98% |
| BELLINGHAM, WA (FHA|USDA|VA) | 1,467 | $540,975,000 | $368,763 | $5,201 | 3.02% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 318 | $503,260,000 | $1,582,579 | $7,574 | 3.09% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 669 | $410,565,000 | $613,700 | $6,249 | 3.02% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 775 | $298,175,000 | $384,742 | $5,428 | 3.01% |
| Outside of Metro Areas | 1,132 | $283,780,000 | $250,689 | $5,705 | 3.09% |
| BEND, OR (FHA|USDA|VA) | 635 | $264,605,000 | $416,701 | $6,438 | 3.12% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 830 | $252,300,000 | $303,976 | $5,908 | 2.99% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 656 | $210,900,000 | $321,494 | $6,283 | 3.13% |
| SALEM, OR (FHA|USDA|VA) | 564 | $209,500,000 | $371,454 | $5,777 | 3.12% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 580 | $185,430,000 | $319,707 | $4,587 | 3.02% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 334 | $176,090,000 | $527,216 | $6,458 | 3.07% |
| MEDFORD, OR (FHA|USDA|VA) | 510 | $156,820,000 | $307,490 | $5,231 | 3.06% |
| Roseburg, OR (FHA|USDA|VA) | 593 | $143,175,000 | $241,442 | $5,118 | 3.18% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 77 | $121,715,000 | $1,580,714 | $7,271 | 3.02% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 331 | $120,805,000 | $364,970 | $5,651 | 3.01% |
| CORVALLIS, OR (FHA|USDA|VA) | 294 | $107,120,000 | $364,354 | $5,322 | 3.00% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 394 | $101,810,000 | $258,401 | $6,074 | 3.08% |
| RENO, NV (FHA|USDA|VA) | 226 | $99,880,000 | $441,947 | $5,178 | 3.01% |
| LONGVIEW, WA (FHA|USDA|VA) | 282 | $95,660,000 | $339,220 | $5,769 | 3.18% |
| Outside of Metro Areas | 316 | $95,110,000 | $300,981 | $6,114 | 2.95% |
| Ellensburg, WA (FHA|USDA|VA) | 284 | $95,070,000 | $334,754 | $5,814 | 3.16% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 190 | $86,020,000 | $452,737 | $6,822 | 3.18% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 96 | $81,790,000 | $851,979 | $7,455 | 3.13% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 305 | $81,085,000 | $265,852 | $5,400 | 3.00% |
| Coos Bay, OR (FHA|USDA|VA) | 333 | $76,505,000 | $229,745 | $5,629 | 3.15% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 62 | $69,140,000 | $1,115,161 | $7,430 | 3.11% |
| BOISE CITY, ID (FHA|USDA|VA) | 220 | $65,620,000 | $298,273 | $6,147 | 3.07% |
| GRANTS PASS, OR (FHA|USDA|VA) | 209 | $52,145,000 | $249,498 | $4,378 | 3.07% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 127 | $51,495,000 | $405,472 | $5,361 | 3.09% |
| Klamath Falls, OR (FHA|USDA|VA) | 211 | $46,355,000 | $219,692 | $5,188 | 3.07% |
| NAPA, CA (FHA|USDA|VA) | 103 | $45,115,000 | $438,010 | $6,762 | 3.04% |
| Astoria, OR (FHA|USDA|VA) | 125 | $41,865,000 | $334,920 | $5,553 | 3.15% |
| VALLEJO, CA (FHA|USDA|VA) | 116 | $39,660,000 | $341,897 | $5,019 | 3.00% |
| Prineville, OR (FHA|USDA|VA) | 98 | $37,960,000 | $387,347 | $7,357 | 3.28% |
| Newport, OR (FHA|USDA|VA) | 145 | $36,955,000 | $254,862 | $5,368 | 3.14% |
| Brookings, OR (FHA|USDA|VA) | 154 | $35,310,000 | $229,286 | $5,888 | 3.07% |
| REDDING, CA (FHA|USDA|VA) | 96 | $34,910,000 | $363,646 | $5,442 | 3.26% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 109 | $33,565,000 | $307,936 | $5,865 | 2.94% |
| YUBA CITY, CA (FHA|USDA|VA) | 122 | $31,060,000 | $254,590 | $5,461 | 2.99% |
| YAKIMA, WA (FHA|USDA|VA) | 109 | $30,305,000 | $278,028 | $5,934 | 3.11% |
| Centralia, WA (FHA|USDA|VA) | 108 | $29,290,000 | $271,204 | $6,562 | 3.18% |
| CHICO, CA (FHA|USDA|VA) | 94 | $27,910,000 | $296,915 | $4,833 | 3.03% |
| WENATCHEE, WA (FHA|USDA|VA) | 77 | $27,485,000 | $356,948 | $6,094 | 3.04% |
| MODESTO, CA (FHA|USDA|VA) | 60 | $24,660,000 | $411,000 | $6,075 | 2.95% |
| Moses Lake, WA (FHA|USDA|VA) | 112 | $24,200,000 | $216,071 | $4,946 | 2.97% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 33 | $22,445,000 | $680,152 | $7,550 | 3.15% |
| Oak Harbor, WA (FHA|USDA|VA) | 46 | $22,430,000 | $487,609 | $6,828 | 3.11% |
| Shelton, WA (FHA|USDA|VA) | 65 | $22,065,000 | $339,462 | $6,160 | 3.29% |
| Hermiston-Pendleton, OR (FHA|USDA|VA) | 98 | $20,520,000 | $209,388 | $5,638 | 3.00% |
| Ukiah, CA (FHA|USDA|VA) | 53 | $20,405,000 | $385,000 | $5,654 | 3.16% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 12 | $19,450,000 | $1,620,833 | $7,612 | 3.11% |
| Port Angeles, WA (FHA|USDA|VA) | 77 | $18,505,000 | $240,325 | $4,938 | 3.07% |
| SALINAS, CA (FHA|USDA|VA) | 10 | $17,970,000 | $1,797,000 | $10,695 | 3.06% |
| Sonora, CA (FHA|USDA|VA) | 61 | $17,545,000 | $287,623 | $4,824 | 3.23% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 42 | $17,410,000 | $414,524 | $7,389 | 3.04% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 55 | $17,375,000 | $315,909 | $4,688 | 3.08% |
| Clearlake, CA (FHA|USDA|VA) | 73 | $17,085,000 | $234,041 | $5,560 | 3.07% |
| Aberdeen, WA (FHA|USDA|VA) | 85 | $15,605,000 | $183,588 | $5,154 | 3.07% |
| Sandpoint, ID (FHA|USDA|VA) | 41 | $15,165,000 | $369,878 | $5,924 | 2.97% |
| WALLA WALLA, WA (FHA|USDA|VA) | 53 | $13,055,000 | $246,321 | $5,981 | 3.11% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 16 | $12,730,000 | $795,625 | $6,477 | 3.15% |
| Red Bluff, CA (FHA|USDA|VA) | 64 | $12,440,000 | $194,375 | $5,578 | 3.05% |
| Hood River, OR (FHA|USDA|VA) | 18 | $11,630,000 | $646,111 | $9,167 | 3.12% |
| LEWISTON, ID-WA (FHA|USDA|VA) | 68 | $11,200,000 | $164,706 | $4,657 | 2.92% |
| La Grande, OR (FHA|USDA|VA) | 53 | $9,715,000 | $183,302 | $4,330 | 3.08% |
| Heber, UT (FHA|USDA|VA) | 7 | $9,635,000 | $1,376,429 | $14,636 | 2.77% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 22 | $9,390,000 | $426,818 | $8,991 | 3.06% |
| The Dalles, OR (FHA|USDA|VA) | 36 | $9,380,000 | $260,556 | $7,100 | 3.37% |
| Ontario, OR-ID (FHA|USDA|VA) | 54 | $8,820,000 | $163,333 | $4,461 | 2.99% |
| STOCKTON, CA (FHA|USDA|VA) | 35 | $8,625,000 | $246,429 | $6,069 | 2.89% |
| Fernley, NV (FHA|USDA|VA) | 33 | $7,965,000 | $241,364 | $3,470 | 3.14% |
| Hilo, HI (FHA|USDA|VA) | 7 | $6,795,000 | $970,714 | $7,592 | 3.02% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 15 | $5,755,000 | $383,667 | $4,456 | 3.06% |
| Kapaa, HI (FHA|USDA|VA) | 3 | $5,645,000 | $1,881,667 | $9,363 | 2.41% |
| Moscow, ID (FHA|USDA|VA) | 30 | $5,250,000 | $175,000 | $5,983 | 2.88% |
| FRESNO, CA (FHA|USDA|VA) | 14 | $4,920,000 | $351,429 | $4,865 | 3.25% |
| Hailey, ID (FHA|USDA|VA) | 6 | $4,830,000 | $805,000 | $7,359 | 2.85% |
| Crescent City, CA (FHA|USDA|VA) | 20 | $4,810,000 | $240,500 | $7,363 | 3.39% |
| TUCSON, AZ (FHA|USDA|VA) | 14 | $4,770,000 | $340,714 | $4,320 | 2.83% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 7 | $4,405,000 | $629,286 | $3,180 | 3.20% |
| Pullman, WA (FHA|USDA|VA) | 23 | $4,125,000 | $179,348 | $4,825 | 2.80% |
| MERCED, CA (FHA|USDA|VA) | 14 | $3,720,000 | $265,714 | $5,420 | 2.76% |
| Jackson, WY-ID (FHA|USDA|VA) | 5 | $3,425,000 | $685,000 | $9,810 | 2.70% |
| CARSON CITY, NV (FHA|USDA|VA) | 8 | $2,740,000 | $342,500 | $5,679 | 2.92% |
| Mountain Home, ID (FHA|USDA|VA) | 7 | $2,355,000 | $336,429 | $8,363 | 3.41% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 3 | $2,335,000 | $778,333 | $4,182 | 3.21% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 6 | $2,290,000 | $381,667 | $4,999 | 2.62% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 5 | $2,245,000 | $449,000 | $7,765 | 3.13% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 5 | $2,225,000 | $445,000 | $6,745 | 3.30% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 2 | $2,090,000 | $1,045,000 | $11,066 | 3.19% |
| Othello, WA (FHA|USDA|VA) | 9 | $1,945,000 | $216,111 | $5,838 | 3.00% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 5 | $1,725,000 | $345,000 | $4,590 | 3.10% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 5 | $1,715,000 | $343,000 | $5,336 | 3.13% |
| Bozeman, MT (FHA|USDA|VA) | 3 | $1,675,000 | $558,333 | $9,531 | 3.25% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 6 | $1,630,000 | $271,667 | $2,998 | 2.92% |
| Kalispell, MT (FHA|USDA|VA) | 5 | $1,585,000 | $317,000 | $5,177 | 3.45% |
| POCATELLO, ID (FHA|USDA|VA) | 6 | $1,310,000 | $218,333 | $6,218 | 3.23% |
| ANCHORAGE, AK (FHA|USDA|VA) | 3 | $1,285,000 | $428,333 | $12,210 | 3.29% |
| PROVO-OREM, UT (FHA|USDA|VA) | 3 | $1,175,000 | $391,667 | $4,784 | 2.96% |
| BILLINGS, MT (FHA|USDA|VA) | 5 | $1,145,000 | $229,000 | $4,092 | 3.50% |
| YUMA, AZ (FHA|USDA|VA) | 4 | $990,000 | $247,500 | $4,405 | 3.09% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 2 | $990,000 | $495,000 | $0 | 3.69% |
| TWIN FALLS, ID (FHA|USDA|VA) | 5 | $965,000 | $193,000 | $3,386 | 3.38% |
| Elko, NV (FHA|USDA|VA) | 5 | $755,000 | $151,000 | $3,444 | 2.97% |
| GREAT FALLS, MT (FHA|USDA|VA) | 2 | $750,000 | $375,000 | $4,713 | 2.63% |
| Blackfoot, ID (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $6,677 | 3.13% |
| FORT COLLINS, CO (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $3,950 | 3.19% |
| MISSOULA, MT (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $2,971 | 2.50% |
| Burley, ID (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $18,552 | 3.25% |
| Cedar City, UT (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $6,208 | 2.88% |
| ST. GEORGE, UT (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $3,726 | 2.50% |
| Helena, MT (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $2,866 | 3.25% |
| Show Low, AZ (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $6,871 | 2.69% |
| Butte-Silver Bow, MT (FHA|USDA|VA) | 4 | $350,000 | $87,500 | $2,817 | 2.75% |
| Glenwood Springs, CO (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $2,132 | 3.38% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $8,075 | 3.25% |
| VISALIA, CA (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $4,064 | 2.50% |
| Nogales, AZ (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,350 | 3.13% |
| Gillette, WY (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,499 | 3.25% |
| Winnemucca, NV (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,111 | 3.25% |
| Sheridan, WY (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,285 | 2.88% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,144 | 3.38% |
| BOULDER, CO (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 3.63% |
| EL CENTRO, CA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $7,029 | 3.38% |
| Fallon, NV (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 2.49% |
Umpqua Bank's top markets include Portland, Seattle, Bellingham, Los Angeles, and San Francisco among others.
Product Mix
| Loan Type | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Conventional | 22,992 | $9,316,870,000 | $405,222 | $5,464 | 3.06% |
| VA | 836 | $323,360,000 | $386,794 | $7,761 | 2.74% |
| FHA | 620 | $205,340,000 | $331,194 | $10,482 | 3.01% |
| USDA | 109 | $28,855,000 | $264,725 | $6,516 | 2.79% |
For the 2021 period, Umpqua Bank's most frequently originated loan type of loans were Conventional, with 22,992 originations. Their 2nd most popular type is VA, with 836 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Home Purchase | 8,163 | $4,134,585,000 | $506,503 | $6,583 | 3.16% |
| Refi | 7,619 | $3,406,385,000 | $447,091 | $4,583 | 2.91% |
| Cash Out Refi | 3,862 | $1,401,090,000 | $362,789 | $5,795 | 3.14% |
| Home Improvement | 2,643 | $480,635,000 | $181,852 | $4,910 | 2.98% |
| Other | 2,270 | $451,730,000 | $199,000 | $5,312 | 3.00% |
For the 2021, Umpqua Bank's most frequently cited loan purpose of loans were Home Purchase, with 8,163 originations. The 2nd most popular reason of loans were Refi, with 7,619 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 30 Year | 20,239 | $7,999,085,000 | $395,231 | $5,509 | 3.05% |
| 15 Year | 2,193 | $614,715,000 | $280,308 | $3,997 | 2.54% |
| 30+ year | 1,293 | $829,215,000 | $641,311 | $11,272 | 3.84% |
| 20 Year | 577 | $155,565,000 | $269,610 | $4,275 | 3.03% |
| Other | 136 | $104,730,000 | $770,074 | $4,557 | 3.71% |
| 10 Year | 116 | $155,020,000 | $1,336,379 | $3,446 | 3.01% |
| 3 Year | 2 | $16,050,000 | $8,025,000 | $0 | 4.00% |
| 5 Year | 1 | $45,000 | $45,000 | $0 | 4.25% |
For the 2021, Umpqua Bank's most frequently cited loan length of loans were 30 Year, with 20,239 originations. The 2nd most popular length of loans were 15 Year, with 2,193 originations.
Origination Fees
| Origination Fee | Originations | Total Value | Average Loan |
|---|---|---|---|
| $<1k | 5,813 | $2,642,995,000 | $454,670 |
| $3k-4k | 3,711 | $1,472,635,000 | $396,830 |
| $2k-3k | 2,962 | $950,620,000 | $320,939 |
| $1k-2k | 2,836 | $806,770,000 | $284,475 |
| $5k+ | 2,547 | $1,437,805,000 | $564,509 |
$5,509 of loans were Umpqua Bank's average total fees, while their most frequently occuring range of origination fees were in the $<1k bucket, with 5,813 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 10,505 | $4,856,975,000 | $462,349 |
| 2.5-3% | 7,075 | $3,020,895,000 | $426,982 |
| <2.5% | 6,109 | $1,715,485,000 | $280,813 |
| 4-5% | 842 | $273,560,000 | $324,893 |
| 5-6% | 23 | $7,365,000 | $320,217 |
| 6-7% | 2 | $120,000 | $60,000 |
| 7-8% | 1 | $25,000 | $25,000 |
During 2021, Umpqua Bank's average interest rate of loans were 3.05%, while their most frequently originated rate bucket of loans were 3-4%, with 10,505 originations.
Loan Sizing
| Loan Size | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $200k-400k | 9,718 | $2,839,970,000 | $292,238 | $5,100 | 3.05% |
| $400k-600k | 5,159 | $2,498,815,000 | $484,360 | $6,048 | 3.05% |
| $100k-200k | 4,440 | $650,070,000 | $146,412 | $3,987 | 2.99% |
| $100,000 or less | 2,355 | $141,365,000 | $60,028 | $3,202 | 3.03% |
| $600k-1MM | 1,751 | $1,305,985,000 | $745,851 | $8,426 | 3.14% |
| $1MM+ | 1,134 | $2,438,220,000 | $2,150,106 | $10,716 | 3.08% |
2021 saw Umpqua Bank place emphasis on $200k-400k loans with 9,718 originations, totaling $2,839,970,000 in origination value.
Applicant Income
| Applicant Income | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $100k-150k | 5,430 | $1,815,040,000 | $334,262 | $5,700 | 3.06% |
| $150k-250k | 4,590 | $1,851,190,000 | $403,309 | $6,368 | 3.04% |
| $50k-75k | 4,090 | $985,770,000 | $241,020 | $5,055 | 3.07% |
| $75k-100k | 3,916 | $1,135,920,000 | $290,072 | $5,423 | 3.06% |
| $250k+ | 3,135 | $2,051,955,000 | $654,531 | $7,479 | 2.95% |
| $50k or less | 2,062 | $355,070,000 | $172,197 | $4,425 | 3.08% |
Umpqua Bank lent most frequently to those with incomes in the $100k-150k range, with 5,430 originations. The second most popular income band? $150k-250k, with 4,590 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-30% | 5,405 | $1,830,585,000 | $338,684 | $5,308 | 2.99% |
| 30-36% | 4,346 | $1,554,680,000 | $357,727 | $5,627 | 3.05% |
| <20% | 2,205 | $771,055,000 | $349,685 | $5,206 | 2.92% |
| 49% | 1,239 | $334,375,000 | $269,875 | $5,633 | 3.00% |
| 42% | 1,040 | $440,580,000 | $423,635 | $6,717 | 3.15% |
| 44% | 928 | $298,690,000 | $321,864 | $5,937 | 3.17% |
| 40% | 877 | $339,935,000 | $387,611 | $5,997 | 3.15% |
| 41% | 876 | $370,230,000 | $422,637 | $6,528 | 3.17% |
| 39% | 870 | $345,630,000 | $397,276 | $6,134 | 3.09% |
| 43% | 869 | $283,545,000 | $326,289 | $5,580 | 3.09% |
| 38% | 839 | $318,865,000 | $380,054 | $6,052 | 3.04% |
| 37% | 794 | $286,170,000 | $360,416 | $5,946 | 3.09% |
| 36% | 784 | $317,270,000 | $404,681 | $6,079 | 3.09% |
| 45% | 613 | $189,345,000 | $308,883 | $5,641 | 3.05% |
| 47% | 593 | $183,415,000 | $309,300 | $5,636 | 3.04% |
| 48% | 585 | $183,245,000 | $313,239 | $5,513 | 3.02% |
| 46% | 568 | $167,040,000 | $294,085 | $5,732 | 3.04% |
| 50-60% | 282 | $106,090,000 | $376,206 | $8,689 | 2.92% |
| >60% | 29 | $20,355,000 | $701,897 | $4,737 | 2.58% |
Umpqua Bank lent most frequently to those with DTI ratios of 20-30%, with 5,405 originations. The next most common DTI ratio? 30-36%, with 4,346 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 17,180 | $5,977,120,000 | $347,912 | $5,627 | 3.05% |
| Not provided | 5,395 | $1,928,845,000 | $357,525 | $6,022 | 3.02% |
| Not applicable | 484 | $1,358,370,000 | $2,806,550 | $0 | 3.48% |
| Asian | 1,063 | $466,975,000 | $439,299 | $5,681 | 2.98% |
| Black | 215 | $76,095,000 | $353,930 | $6,541 | 3.00% |
| American Indian | 105 | $26,095,000 | $248,524 | $5,816 | 3.03% |
| Native Hawaiian | 45 | $13,045,000 | $289,889 | $6,072 | 2.97% |
| Asian Indian | 40 | $8,780,000 | $219,500 | $4,100 | 2.86% |
| Other Asian | 8 | $6,140,000 | $767,500 | $5,064 | 2.92% |
| Vietnamese | 3 | $4,225,000 | $1,408,333 | $9,962 | 2.92% |
| Chinese | 5 | $3,995,000 | $799,000 | $5,778 | 2.50% |
| Japanese | 3 | $1,565,000 | $521,667 | $4,788 | 2.71% |
| Korean | 4 | $1,340,000 | $335,000 | $4,167 | 3.22% |
| Other Pacific Islander | 3 | $765,000 | $255,000 | $2,975 | 2.83% |
| Filipino | 3 | $745,000 | $248,333 | $0 | 2.49% |
| Guamanian | 1 | $325,000 | $325,000 | $3,710 | 2.38% |
Approval Rates
Total approvals of all applications91.02%
Umpqua Bank has an average approval rate.
Pick Rate
Approvals leading to origination81.83%
Umpqua Bank has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 24,557 | $9,874,425,000 | $402,102 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 24,557 | $9,874,425,000 | $402,102 |
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-40% | 3,770 | $985,210,000 | $261,329 | $4,141 | 2.91% |
| 40-60% | 4,906 | $2,132,350,000 | $434,641 | $4,686 | 2.98% |
| 60-80% | 7,481 | $4,047,165,000 | $540,993 | $6,056 | 3.14% |
| 80-100% | 4,987 | $2,212,125,000 | $443,578 | $6,488 | 3.12% |
| Over 100% | 121 | $92,615,000 | $765,413 | $17,886 | 3.22% |
| Under 20% | 3,187 | $367,775,000 | $115,398 | $3,829 | 2.98% |
Complaints
| Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| UMPQUA HOLDINGS CORPORATION | Conventional home mortgage | Closing on a mortgage | 1 | 12.5% |
| UMPQUA HOLDINGS CORPORATION | Conventional home mortgage | Struggling to pay mortgage | 1 | 12.5% |
| UMPQUA HOLDINGS CORPORATION | Conventional home mortgage | Trouble during payment process | 1 | 12.5% |
| UMPQUA HOLDINGS CORPORATION | Home equity loan or line of credit (HELOC) | Applying for a mortgage or refinancing an existing mortgage | 1 | 12.5% |
| UMPQUA HOLDINGS CORPORATION | Home equity loan or line of credit (HELOC) | Closing on a mortgage | 2 | 25.0% |
| UMPQUA HOLDINGS CORPORATION | Home equity loan or line of credit (HELOC) | Trouble during payment process | 1 | 12.5% |
| UMPQUA HOLDINGS CORPORATION | VA mortgage | Trouble during payment process | 1 | 12.5% |
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| Umpqua Bank | 10 N.E. 181st Avenue Portland, OR 97230 | Full Service B&M | $59,202 |
| Umpqua Bank | 101 E 4th Avenue Moses Lake, WA 98837 | Full Service B&M | $95,655 |
| Umpqua Bank | 101 South Main Street Cascade, ID 83611 | Full Service B&M | $47,926 |
| Umpqua Bank | 1020 South Forks Avenue Forks, WA 98331 | Full Service B&M | $105,984 |
| Umpqua Bank | 1027 Nw Norman Avenue Gresham, OR 97030 | Full Service B&M | $55,025 |
| Umpqua Bank | 1033 East First Street Port Angeles, WA 98362 | Full Service B&M | $36,125 |
| Umpqua Bank | 10406 North Division Street, Suite 101 Spokane, WA 99218 | Full Service B&M | $0 |
| Umpqua Bank | 1063 G Street Arcata, CA 95521 | Full Service B&M | $146,316 |
| Umpqua Bank | 1065 Main Street Saint Helena, CA 94574 | Full Service B&M | $62,311 |
| Umpqua Bank | 10705 North East 4th Plain Boulevard Vancouver, WA 98662 | Full Service B&M | $110,326 |
| Umpqua Bank | 10885 N.E. 4th Street, Suite 100 Bellevue, WA 98004 | Full Service B&M | $241,275 |
| Umpqua Bank | 109-35th Avenue, Se Puyallup, WA 98374 | Full Service B&M | $76,463 |
| Umpqua Bank | 11 Ridge Road Sutter Creek, CA 95685 | Full Service B&M | $43,667 |
| Umpqua Bank | 110 Pine St Rogue River, OR 97537 | Full Service B&M | $73,397 |
| Umpqua Bank | 1211 South Pearl Street Tacoma, WA 98465 | Full Service B&M | $113,908 |
| Umpqua Bank | 1215 Adams Avenue La Grande, OR 97850 | Full Service B&M | $56,164 |
| Umpqua Bank | 1224a Broadway Placerville, CA 95667 | Full Service B&M | $83,955 |
| Umpqua Bank | 1250 North Coast Highway Newport, OR 97365 | Full Service B&M | $86,926 |
| Umpqua Bank | 12550 Se 93rd Avenue, Suite 100 Clackamas, OR 97015 | Full Service B&M | $130,073 |
| Umpqua Bank | 1261 Auburn Way North Auburn, WA 98002 | Full Service B&M | $86,340 |
| Umpqua Bank | 1300 K St, Ste C Modesto, CA 95354 | Full Service B&M | $58,569 |
| Umpqua Bank | 1333 N California Blvd, Suite Sl30 Walnut Creek, CA 94596 | Full Service B&M | $275,918 |
| Umpqua Bank | 135 W. Napa St. Sonoma, CA 95476 | Full Service B&M | $50,106 |
| Umpqua Bank | 1360 Main Street Fortuna, CA 95540 | Full Service B&M | $76,430 |
| Umpqua Bank | 1377 Mohawk Boulevard, 1st Floor Springfield, OR 97477 | Full Service B&M | $198,938 |
| Umpqua Bank | 13775 Mono Way, Ste C Sonora, CA 95370 | Full Service B&M | $187,859 |
| Umpqua Bank | 138 Vista Way Kennewick, WA 99336 | Full Service B&M | $128,004 |
| Umpqua Bank | 1630 Queen Anne Avenue Seattle, WA 98109 | Full Service B&M | $76,496 |
| Umpqua Bank | 165 North 5th Street Monroe, OR 97456 | Full Service B&M | $35,622 |
| Umpqua Bank | 165 North Maple Street Yamhill, OR 97148 | Full Service B&M | $43,951 |
| Umpqua Bank | 16501 Ventura Blvd., Suite 101 Encino, CA 91436 | Full Service B&M | $328,980 |
| Umpqua Bank | 167 Ne 2nd St Stevenson, WA 98648 | Full Service B&M | $86,001 |
| Umpqua Bank | 1670 Williams Highway Grants Pass, OR 97527 | Full Service B&M | $132,231 |
| Umpqua Bank | 1680 Robb Drive Reno, NV 89523 | Full Service B&M | $76,293 |
| Umpqua Bank | 1701 Sw Court Avenue Pendleton, OR 97801 | Full Service B&M | $33,254 |
| Umpqua Bank | 1745 Through 1747 Ne Alberta Street Portland, OR 97211 | Full Service B&M | $67,436 |
| 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 | $72,456 |
| Umpqua Bank | 1770 Pine Street Redding, CA 96001 | Full Service B&M | $93,844 |
| Umpqua Bank | 1780 East Pine Street Central Point, OR 97502 | Full Service B&M | $65,587 |
| Umpqua Bank | 17875 Redmond Way, Suite 110, Whole Foods Center Redmond, WA 98052 | Full Service B&M | $65,279 |
| Umpqua Bank | 1790 Nw Garden Valley Boulevard Roseburg, OR 97471 | Full Service B&M | $167,074 |
| Umpqua Bank | 185 East California Jacksonville, OR 97530 | Full Service B&M | $46,502 |
| Umpqua Bank | 18757 Sw Martinazzi Avenue, Suite 100 Tualatin, OR 97062 | Full Service B&M | $109,811 |
| Umpqua Bank | 1890 Main Street Sweet Home, OR 97386 | Full Service B&M | $59,838 |
| Umpqua Bank | 1900 Grant Street Concord, CA 94520 | Full Service B&M | $69,489 |
| Umpqua Bank | 1900 South 320th Street Federal Way, WA 98003 | Full Service B&M | $117,950 |
| Umpqua Bank | 19230 Alderwood Mall Parkway, Suite 110 Lynnwood, WA 98036 | Full Service B&M | $172,592 |
| Umpqua Bank | 1975 Winchester Avenue Reedsport, OR 97467 | Full Service B&M | $97,072 |
| Umpqua Bank | 199 North Nehalem Clatskanie, OR 97016 | Full Service B&M | $65,697 |
| Umpqua Bank | 1990 Washington Avenue Baker City, OR 97814 | Full Service B&M | $107,036 |
| Umpqua Bank | 200 Westlake Ave N, Ste 110 Seattle, WA 98109 | Full Service B&M | $94,342 |
| Umpqua Bank | 211 East Locust Waterville, WA 98858 | Full Service B&M | $107,928 |
| Umpqua Bank | 211 Torbett Street Richland, WA 99354 | Full Service B&M | $63,265 |
| Umpqua Bank | 215 South Main Street Canyonville, OR 97417 | Full Service B&M | $96,737 |
| Umpqua Bank | 21601 E Country Vista Drive Liberty Lake, WA 99019 | Full Service B&M | $63,956 |
| Umpqua Bank | 220 East Tenth Street Medford, OR 97501 | Full Service B&M | $227,284 |
| 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 | $121,997 |
| Umpqua Bank | 225 N. Grand Ave Pullman, WA 99163 | Full Service B&M | $56,591 |
| Umpqua Bank | 225 Sw 4th Avenue Ontario, OR 97914 | Full Service B&M | $94,889 |
| Umpqua Bank | 225 W. Santa Clara Street, Suite 150 San Jose, CA 95113 | Full Service B&M | $120,740 |
| Umpqua Bank | 2250 Thain Grade Road Lewiston, ID 83501 | Full Service B&M | $116,024 |
| Umpqua Bank | 2330 Broadway Avenue North Bend, OR 97459 | Full Service B&M | $104,583 |
| Umpqua Bank | 2405 Third Street Tillamook, OR 97141 | Full Service B&M | $160,430 |
| Umpqua Bank | 2870 Nw Town Center Drive Beaverton, OR 97006 | Full Service B&M | $234,946 |
| Umpqua Bank | 2943 South 6th Street Klamath Falls, OR 97603 | Full Service B&M | $122,637 |
| Umpqua Bank | 29804 Ellensburg Avenue Gold Beach, OR 97444 | Full Service B&M | $104,185 |
| Umpqua Bank | 2998 Douglas Boulevard, Suite 100 Roseville, CA 95661 | Full Service B&M | $313,009 |
| Umpqua Bank | 301 South Main Street Montesano, WA 98563 | Full Service B&M | $93,999 |
| Umpqua Bank | 301 Walker Street Orland, CA 95963 | Full Service B&M | $90,510 |
| Umpqua Bank | 302 South Main Street Independence, OR 97351 | Full Service B&M | $60,807 |
| Umpqua Bank | 303 Diagonal Street Clarkston, WA 99403 | Full Service B&M | $49,351 |
| Umpqua Bank | 3102 Newmarket St. Bellingham, WA 98226 | Full Service B&M | $42,069 |
| Umpqua Bank | 3106 Island City Ave La Grande, OR 97850 | Full Service B&M | $66,773 |
| Umpqua Bank | 3123-56th Street, N. W. Gig Harbor, WA 98335 | Full Service B&M | $74,474 |
| Umpqua Bank | 3301 E. Fourth Plain Boulevard Vancouver, WA 98661 | Full Service B&M | $96,973 |
| Umpqua Bank | 333 Main Street Red Bluff, CA 96080 | Full Service B&M | $132,393 |
| Umpqua Bank | 333 Sw Ellsworth St Albany, OR 97321 | Full Service B&M | $121,817 |
| Umpqua Bank | 3333 North Lombard Portland, OR 97217 | Full Service B&M | $63,411 |
| Umpqua Bank | 345 8th Street Myrtle Point, OR 97458 | Full Service B&M | $44,712 |
| Umpqua Bank | 3490 South Virginia Street Reno, NV 89502 | Full Service B&M | $525,685 |
| Umpqua Bank | 3505 Spangler Lane Suite 300, Suite 300 Copperopolis, CA 95228 | Full Service B&M | $42,418 |
| Umpqua Bank | 3557 Se Hawthorne Blvd Portland, OR 97214 | Full Service B&M | $131,233 |
| Umpqua Bank | 3626 Bel Aire Plaza Napa, CA 94558 | Full Service B&M | $126,663 |
| Umpqua Bank | 365 10th And D Street Plummer, ID 83851 | Full Service B&M | $46,203 |
| Umpqua Bank | 3700 Lone Tree Way Antioch, CA 94509 | Full Service B&M | $71,249 |
| Umpqua Bank | 373 West St. Charles Street San Andreas, CA 95249 | Full Service B&M | $65,988 |
| Umpqua Bank | 3738 West 11th Avenue Eugene, OR 97402 | Full Service B&M | $199,182 |
| Umpqua Bank | 3880 El Dorado Hills Blvd, Suite 100 El Dorado Hills, CA 95762 | Full Service B&M | $74,952 |
| Umpqua Bank | 390 Sw Century Drive, Suite 100 Bend, OR 97702 | Full Service B&M | $173,681 |
| Umpqua Bank | 450 Sansome Street Suite 120 San Francisco, CA 94111 | Full Service B&M | $579,083 |
| Umpqua Bank | 475 North East Windy Knolls Drive Bend, OR 97701 | Full Service B&M | $53,666 |
| Umpqua Bank | 476 Tyee Drive Point Roberts, WA 98281 | Full Service B&M | $44,839 |
| Umpqua Bank | 479 North Central Blvd Coquille, OR 97423 | Full Service B&M | $80,628 |
| Umpqua Bank | 497 Oakway Road, Suite 100 Eugene, OR 97401 | Full Service B&M | $343,361 |
| Umpqua Bank | 500 Auburn Folsom Rd, Suite 200 Auburn, CA 95603 | Full Service B&M | $129,233 |
| Umpqua Bank | 507 N Mullan Rd Spokane, WA 99206 | Full Service B&M | $88,463 |
| Umpqua Bank | 540 Amanda Street Arbuckle, CA 95912 | Full Service B&M | $100,185 |
| Umpqua Bank | 540 Main Street Klamath Falls, OR 97601 | Full Service B&M | $144,805 |
| Umpqua Bank | 5512 22nd Avenue Nw Seattle, WA 98107 | Full Service B&M | $76,530 |
| Umpqua Bank | 601 West Main Street Battle Ground, WA 98604 | Full Service B&M | $114,965 |
| Umpqua Bank | 601 West Main Street Brewster, WA 98812 | Full Service B&M | $53,790 |
| Umpqua Bank | 6015 100th Street Sw Lakewood, WA 98499 | Full Service B&M | $81,007 |
| Umpqua Bank | 700 E Street Marysville, CA 95901 | Full Service B&M | $75,221 |
| Umpqua Bank | 700 South Broadway, Suite 100 Coos Bay, OR 97420 | Full Service B&M | $157,933 |
| Umpqua Bank | 701 Fifth Street Eureka, CA 95501 | Full Service B&M | $237,192 |
| Umpqua Bank | 705 Nw Gilman Boulevard Issaquah, WA 98027 | Full Service B&M | $84,433 |
| Umpqua Bank | 707 W Main Avenue Spokane, WA 99201 | Full Service B&M | $475,311 |
| Umpqua Bank | 7120 Greenwood Avenue North Seattle, WA 98103 | Full Service B&M | $75,360 |
| Umpqua Bank | 721 Chetco Avenue Brookings, OR 97415 | Full Service B&M | $151,054 |
| Umpqua Bank | 73 Northeast Estes Street White Salmon, WA 98672 | Full Service B&M | $111,881 |
| Umpqua Bank | 7365 Sw Barnes Road Portland, OR 97225 | Full Service B&M | $149,722 |
| Umpqua Bank | 749 Sleater-Kinney Road Lacey, WA 98503 | Full Service B&M | $92,634 |
| Umpqua Bank | 750 Sw Yamhill Street Portland, OR 97205 | Full Service B&M | $198,347 |
| Umpqua Bank | 777 Colusa Avenue Yuba City, CA 95991 | Full Service B&M | $224,848 |
| Umpqua Bank | 777 Park Street Lebanon, OR 97355 | Full Service B&M | $57,227 |
| Umpqua Bank | 7777 Alvarado Rd, Ste 114 La Mesa, CA 91942 | Full Service B&M | $5,317 |
| 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 | $167,373 |
| Umpqua Bank | 7803 Se 27th #170 Mercer Island, WA 98040 | Full Service B&M | $90,751 |
| Umpqua Bank | 7837 Sw Capitol Hwy, Suite 101 Portland, OR 97219 | Full Service B&M | $67,684 |
| Umpqua Bank | 7843 Highway 99e Los Molinos, CA 96055 | Full Service B&M | $32,673 |
| Umpqua Bank | 7851 Se 13th Avenue Portland, OR 97202 | Full Service B&M | $100,497 |
| Umpqua Bank | 7921 Walerga Road Antelope, CA 95843 | Full Service B&M | $45,527 |
| Umpqua Bank | 801 Fourth Street Santa Rosa, CA 95404 | Full Service B&M | $230,701 |
| Umpqua Bank | 8015 North East Highway 99 Hazel Dell, WA 98665 | Full Service B&M | $223,855 |
| Umpqua Bank | 805 Eleventh Street Lakeport, CA 95453 | Full Service B&M | $160,632 |
| Umpqua Bank | 805 Twelve Bridges Drive, Suite 10 Lincoln, CA 95648 | Full Service B&M | $132,059 |
| Umpqua Bank | 8060 N. Cornerstone Drive Hayden, ID 83835 | Full Service B&M | $65,508 |
| Umpqua Bank | E. 103 Queen Ave Spokane, WA 99207 | Full Service B&M | $104,768 |
| Umpqua Bank | One Sw Columbia Street, Suite 150 Portland, OR 97258 | Full Service B&M | $572,787 |
| Umpqua Bank | S. 3000 Grand Boulevard Spokane, WA 99203 | Full Service B&M | $73,012 |
| Umpqua Bank | 1106 Sherman Avenue Coeur D Alene, ID 83814 | Full Service B&M | $48,863 |
| Umpqua Bank | 111 Pleasant Street Myrtle Creek, OR 97457 | Full Service B&M | $108,876 |
| Umpqua Bank | 1111 3rd Ave, Suite 100 Seattle, WA 98101 | Full Service B&M | $208,995 |
| Umpqua Bank | 1125 Hwy 101 South Bandon, OR 97411 | Full Service B&M | $107,656 |
| Umpqua Bank | 113 South Main Street Jefferson, OR 97352 | Full Service B&M | $64,671 |
| Umpqua Bank | 1139 Nw Lovejoy Street Portland, OR 97209 | Full Service B&M | $173,512 |
| Umpqua Bank | 114 D Street Wheatland, CA 95692 | Full Service B&M | $46,208 |
| Umpqua Bank | 11515 S.E. Mill Plain Boulevard Vancouver, WA 98684 | Full Service B&M | $108,651 |
| Umpqua Bank | 117 Northeast F Street Grants Pass, OR 97526 | Full Service B&M | $106,528 |
| Umpqua Bank | 118 W 5th Ave Ellensburg, WA 98926 | Full Service B&M | $68,300 |
| Umpqua Bank | 1200 Fifth Avenue San Rafael, CA 94901 | Full Service B&M | $102,483 |
| Umpqua Bank | 1204 North 20th Pasco, WA 99301 | Full Service B&M | $133,936 |
| Umpqua Bank | 1211 E. Mcandrews Rd Medford, OR 97504 | Full Service B&M | $145,502 |
| Umpqua Bank | 1395 East Second Street Benicia, CA 94510 | Full Service B&M | $115,327 |
| Umpqua Bank | 1400 Grant Avenue Novato, CA 94945 | Full Service B&M | $164,875 |
| Umpqua Bank | 1400 Washington Street, Suite 200 Vancouver, WA 98660 | Full Service B&M | $235,867 |
| Umpqua Bank | 1408 Southeast 164th Avenue Vancouver, WA 98683 | Full Service B&M | $184,174 |
| Umpqua Bank | 146 West Second Street North Bend, WA 98045 | Full Service B&M | $61,978 |
| Umpqua Bank | 14638 Se Sunnyside Road Clackamas, OR 97015 | Full Service B&M | $51,926 |
| Umpqua Bank | 147 West Main Grangeville, ID 83530 | Full Service B&M | $82,264 |
| Umpqua Bank | 1498 Pacific Avenue Tacoma, WA 98402 | Full Service B&M | $58,281 |
| Umpqua Bank | 1500 Soscol Avenue Napa, CA 94559 | Full Service B&M | $225,150 |
| Umpqua Bank | 1545 River Park Drive, Suites 101 And 200 Sacramento, CA 95815 | Full Service B&M | $225,510 |
| Umpqua Bank | 1595 S. Eagle Road Meridian, ID 83642 | Full Service B&M | $28,315 |
| Umpqua Bank | 160 North Butte Street Willows, CA 95988 | Full Service B&M | $73,490 |
| Umpqua Bank | 20011 Ballinger Way Northeast, Suite 100 Shoreline, WA 98155 | Full Service B&M | $43,506 |
| Umpqua Bank | 20038 68th Avenue S. - Suite 102 Kent, WA 98032 | Full Service B&M | $50,864 |
| Umpqua Bank | 201 B Avenue, Suite 100 Lake Oswego, OR 97034 | Full Service B&M | $132,375 |
| Umpqua Bank | 201 East First Street Cle Elum, WA 98922 | Full Service B&M | $69,946 |
| Umpqua Bank | 201 North Main Street Sebastopol, CA 95472 | Full Service B&M | $77,432 |
| Umpqua Bank | 201 West Main Street Goldendale, WA 98620 | Full Service B&M | $66,887 |
| Umpqua Bank | 201 Western Avenue Petaluma, CA 94952 | Full Service B&M | $98,221 |
| Umpqua Bank | 2025 Pillsbury Road Chico, CA 95926 | Full Service B&M | $138,200 |
| Umpqua Bank | 203 Main Street Woodland, CA 95695 | Full Service B&M | $112,243 |
| Umpqua Bank | 205 West Main Street Enterprise, OR 97828 | Full Service B&M | $73,220 |
| Umpqua Bank | 206 East Front Street Merrill, OR 97633 | Full Service B&M | $75,166 |
| Umpqua Bank | 206 W. Riverside Spokane, WA 99201 | Limited, Drive-thru | $0 |
| Umpqua Bank | 2095 Central Avenue Mckinleyville, CA 95519 | Full Service B&M | $77,884 |
| Umpqua Bank | 245 Commercial Street S.E. Salem, OR 97301 | Full Service B&M | $250,931 |
| Umpqua Bank | 250 Pioneer Street Ashland, OR 97520 | Full Service B&M | $165,793 |
| Umpqua Bank | 251 Pacific Avenue Glendale, OR 97442 | Full Service B&M | $27,684 |
| Umpqua Bank | 2515 Ne 134th St, Suite 100 Vancouver, WA 98686 | Full Service B&M | $109,878 |
| Umpqua Bank | 2525 North Proctor Street Tacoma, WA 98406 | Full Service B&M | $45,642 |
| Umpqua Bank | 25529 Southwest Gwen Drive Wilsonville, OR 97070 | Full Service B&M | $78,481 |
| Umpqua Bank | 2620 California Avenue Sw, Suite 500 Seattle, WA 98116 | Full Service B&M | $57,392 |
| Umpqua Bank | 271 H Street Blaine, WA 98230 | Full Service B&M | $81,859 |
| Umpqua Bank | 2710 Commercial Street, S.E. Salem, OR 97302 | Full Service B&M | $108,156 |
| Umpqua Bank | 2761 Del Paso Road, Suite 110 Sacramento, CA 95835 | Full Service B&M | $12 |
| Umpqua Bank | 2779 East Bidwell Street, Suite 400 Folsom, CA 95630 | Full Service B&M | $70,634 |
| Umpqua Bank | 278 Central Way Kirkland, WA 98033 | Full Service B&M | $62,554 |
| Umpqua Bank | 280 South Capitol Boulevard, Floor 1 Boise, ID 83702 | Full Service B&M | $40,359 |
| 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 | $113,620 |
| Umpqua Bank | 401 North Market Boulevard Chehalis, WA 98532 | Full Service B&M | $157,713 |
| Umpqua Bank | 4011 Plaza Goldorado Circle Cameron Park, CA 95682 | Full Service B&M | $77,180 |
| Umpqua Bank | 403 Davis Street Vacaville, CA 95688 | Full Service B&M | $97,999 |
| Umpqua Bank | 4040 Macarthur Boulevard, Suite 100 Newport Beach, CA 92660 | Full Service B&M | $597,355 |
| Umpqua Bank | 415 Nw 3rd Street Corvallis, OR 97330 | Full Service B&M | $127,001 |
| Umpqua Bank | 4150 Ne Hancock St Portland, OR 97212 | Full Service B&M | $169,565 |
| Umpqua Bank | 424 South Main Street Troy, ID 83871 | Full Service B&M | $49,471 |
| Umpqua Bank | 4280 Main Street Kelseyville, CA 95451 | Full Service B&M | $70,567 |
| Umpqua Bank | 430 Hwy 101 Florence, OR 97439 | Full Service B&M | $44,081 |
| Umpqua Bank | 4335 Ne Fremont Street, Unit 4 Portland, OR 97213 | Full Service B&M | $78,150 |
| Umpqua Bank | 445 S.E. Main Street Roseburg, OR 97470 | Full Service B&M | $1,376,041 |
| Umpqua Bank | 6061 Stanford Ranch Rd Rocklin, CA 95765 | Full Service B&M | $135,621 |
| Umpqua Bank | 607 South State Street Ukiah, CA 95482 | Full Service B&M | $89,276 |
| Umpqua Bank | 609 South Washington St Moscow, ID 83843 | Full Service B&M | $111,738 |
| Umpqua Bank | 61515 South Highway 97 Bend, OR 97702 | Full Service B&M | $126,473 |
| Umpqua Bank | 6175 Ne Cornell Road Hillsboro, OR 97124 | Full Service B&M | $33,774 |
| Umpqua Bank | 624 S. Main Street, Suite 101 Templeton, CA 93465 | Full Service B&M | $56,543 |
| Umpqua Bank | 625 East Gibbs Avenue Cottage Grove, OR 97424 | Full Service B&M | $86,832 |
| Umpqua Bank | 641 Main Street Weaverville, CA 96093 | Full Service B&M | $49,660 |
| Umpqua Bank | 655 Fremont Street Colusa, CA 95932 | Full Service B&M | $71,861 |
| Umpqua Bank | 6610 Sw Cardinal Lane, Suite 100 Tigard, OR 97224 | Full Service B&M | $232,062 |
| Umpqua Bank | 6641 Oakmont Drive Santa Rosa, CA 95409 | Full Service B&M | $70,887 |
| Umpqua Bank | 675 Oak Street, Suite 100 Eugene, OR 97401 | Full Service B&M | $443,269 |
| Umpqua Bank | 680 W Rose St Walla Walla, WA 99362 | Full Service B&M | $60,010 |
| Umpqua Bank | 810 South Highway 395 Hermiston, OR 97838 | Full Service B&M | $31,465 |
| Umpqua Bank | 822 Central Avenue Oroville, WA 98844 | Full Service B&M | $66,963 |
| Umpqua Bank | 828 Ne Northgate Way Seattle, WA 98125 | Full Service B&M | $54,171 |
| Umpqua Bank | 87 Highway 26 Valley Springs, CA 95252 | Full Service B&M | $69,998 |
| Umpqua Bank | 89 Lakewood Mall, Suite 89 Lodi, CA 95242 | Full Service B&M | $48,407 |
| Umpqua Bank | 900 Second Street Mccall, ID 83638 | Full Service B&M | $73,347 |
| Umpqua Bank | 9078 Brooks Road South Windsor, CA 95492 | Full Service Retail | $46,517 |
| Umpqua Bank | 910 Tahoe Blvd #101 Incline Village, NV 89451 | Full Service B&M | $110,101 |
| Umpqua Bank | 915 Redwood Drive, Suite B Garberville, CA 95542 | Full Service B&M | $64,055 |
| Umpqua Bank | 948 Sw 9th Street Redmond, OR 97756 | Full Service B&M | $59,269 |
| Umpqua Bank | 9610 Bruceville Road, Suite 100 Elk Grove, CA 95757 | Full Service B&M | $252,895 |
| Umpqua Bank | 9921 Highway 12 Southwest Rochester, WA 98579 | Full Service B&M | $54,461 |
| Umpqua Bank | Broadway East, Suite 12 Seattle, WA 98102 | Full Service B&M | $51,305 |
| Umpqua Bank | 100 N.E. Midland Avenue Grants Pass, OR 97526 | Full Service B&M | $117,319 |
| Umpqua Bank | 100 West Central Sutherlin, OR 97479 | Full Service B&M | $106,086 |
For 2021, Umpqua Bank had 225 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $966,375 |
| Net interest income | $936,023 |
| Total noninterest income | $341,957 |
| Gross Fiduciary activities income | $0 |
| Service charges on deposit accounts | $40,384 |
| Trading account gains and fees | $845 |
| Additional Noninterest Income | $300,728 |
| Pre-tax net operating income | $571,301 |
| Securities gains (or losses, -) | $-1,502 |
| Income before extraordinary items | $428,591 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $428,591 |
| Minority interest net income | $0 |
| Net income | $428,591 |
| Sale, conversion, retirement of capital stock, net | $8,412 |
| Net operating income | $429,777 |
Umpqua Bank's gross interest income from loans was $966,375,000.
Umpqua Bank's net interest income from loans was $936,023,000.
Umpqua Bank's fee based income from loans was $40,384,000.
Umpqua Bank's net income from loans was $428,591,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $30,352 |
| Provision for credit losses | $-42,651 |
| Total noninterest expense | $749,330 |
| Salaries and employee benefits | $475,432 |
| Premises and equipment expense | $71,710 |
| Additional noninterest expense | $202,188 |
| Applicable income taxes | $141,208 |
| Net charge-offs | $44,856 |
| Cash dividends | $398,000 |
Umpqua Bank's interest expense for loans was $30,352,000.
Umpqua Bank's payroll and benefits expense were $475,432,000.
Umpqua Bank's property, plant and equipment expenses $71,710,000.
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 | $26,873,784 |
| Deposits held in domestic offices | $26,873,784 |
| Deposits by Individuals, partnerships, and corporations | $25,318,789 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $1,545,572 |
| Deposits by Commercial banks and other depository institutions in U.S. | $9,424 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $15,111,237 |
| Demand deposits | $15,111,236 |
| Nontransaction accounts | $11,762,548 |
| Money market deposit accounts (MMDAs) | $7,611,718 |
| Other savings deposits (excluding MMDAs) | $2,342,246 |
| Total time deposits | $1,808,584 |
| Total time and savings deposits | $11,762,549 |
| Noninterest-bearing deposits | $11,302,823 |
| Interest-bearing deposits | $15,570,961 |
| Retail deposits | $26,243,456 |
| IRAs and Keogh plan accounts | $327,230 |
| Brokered deposits | $149,896 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $30,642,109 |
| Cash & Balances due from depository institutions | $2,761,309 |
| Interest-bearing balances | $2,539,604 |
| Total securities | $3,941,870 |
| Federal funds sold & reverse repurchase | $2 |
| Net loans and leases | $22,657,873 |
| Loan and leases loss allowance | $248,412 |
| Trading account assets | $12,522 |
| Bank premises and fixed assets | $244,001 |
| Other real estate owned | $1,869 |
| Goodwill and other intangibles | $140,386 |
| All other assets | $882,277 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $30,642,109 |
| Total Liabilities | $27,782,290 |
| Total deposits | $26,873,784 |
| Interest-bearing deposits | $15,570,961 |
| Deposits held in domestic offices | $26,873,784 |
| % insured (estimated) | $58 |
| Federal funds purchased and repurchase agreements | $492,247 |
| Trading liabilities | $0 |
| Other borrowed funds | $6,329 |
| Subordinated debt | $0 |
| All other liabilities | $409,930 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $22,657,873 |
| Loan and leases loss allowance | $248,412 |
| Total loans and leases (domestic) | $22,906,285 |
| All real estate loans | $17,499,039 |
| Real estate loans in domestic offices | $17,499,039 |
| Construction and development loans | $1,632,527 |
| Residential 1-4 family construction | $635,175 |
| Other construction, all land development and other land | $997,352 |
| Loans secured by nonfarm nonresidential properties | $5,897,466 |
| Nonfarm nonresidential secured by owner-occupied properties | $2,141,449 |
| Commercial real estate & other non-farm, non-residential | $3,756,017 |
| Multifamily residential real estate | $4,075,735 |
| 1-4 family residential loans | $5,631,848 |
| Farmland loans | $261,463 |
| Loans held in foreign offices | $0 |
| Farm loans | $170,281 |
| Commercial and industrial loans | $3,938,538 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $184,429 |
| Credit card loans | $0 |
| Related Plans | $126,590 |
| Consumer Auto Loans | $26,702 |
| Other loans to individuals | $31,137 |
| All other loans & leases | $1,113,998 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $199,525 |
| Loans to depository institutions and acceptances of other banks | $369 |
| Loans not secured by real estate | $568 |
| Loans secured by real estate to non-U.S. addressees | $18,412 |
| Restructured Loans & leases | $5,175 |
| Non 1-4 family restructured loans & leases | $1,053 |
| Total loans and leases (foreign) | $0 |
Umpqua Bank had $22,657,873,000 of loans outstanding in 2021. $17,499,039,000 of loans were in real estate loans. $1,632,527,000 of loans were in development loans. $4,075,735,000 of loans were in multifamily mortgage loans. $5,631,848,000 of loans were in 1-4 family mortgage loans. $170,281,000 of loans were in farm loans. $0 of loans were in credit card loans. $26,702,000 of loans were in the auto loan category.
Small Business Loans
| Categorization | # of Loans in Category | $ amount of loans (in 000's) | Average $/loan |
|---|---|---|---|
| Nonfarm, nonresidential loans - <$1MM | 2,119 | $596,471 | $281,487 |
| Nonfarm, nonresidential loans - <$100k | 88 | $3,396 | $38,591 |
| Nonfarm, nonresidential loans - $100-250k | 495 | $56,057 | $113,246 |
| Nonfarm, nonresidential loans - $250k-1MM | 1,536 | $537,018 | $349,621 |
| Commercial & Industrial, US addressed loans - <$1MM | 41,518 | $1,501,379 | $36,162 |
| Commercial & Industrial, US addressed loans - <$100k | 36,291 | $852,630 | $23,494 |
| Commercial & Industrial, US addressed loans - $100-250k | 4,042 | $380,602 | $94,162 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 1,185 | $268,147 | $226,284 |
| Farmland loans - <$1MM | 74 | $12,644 | $170,865 |
| Farmland loans - <$100k | 6 | $143 | $23,833 |
| Farmland loans - $100-250k | 33 | $3,291 | $99,727 |
| Farmland loans - $250k-1MM | 35 | $9,210 | $263,143 |
| Agriculture operations loans - <$1MM | 247 | $15,969 | $64,652 |
| Agriculture operations loans - <$100k | 134 | $2,335 | $17,425 |
| Agriculture operations loans - $100-250k | 59 | $3,973 | $67,339 |
| Agriculture operations loans - $250k-1MM | 54 | $9,661 | $178,907 |
