Umpqua Bank Mortgage Rates, Fees & Info

Roseburg, OR

LEI: IFQSIUC9AGQV2NE8CN25

Tax ID: 93-0419143

4.6 stars - out of 5 stars, based on 157 reviews

Latest/2021 | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • SimulatedRates™
  • Bank Data

    Review & 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 by origination volume include: Portland, Seattle, Bellingham, Los Angeles, and San Francisco among others. We have data for 127 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Umpqua Bank has an above 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 about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    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) 7.52% 11/26/22
    30 Year Conventional Purchase 6.86% 11/26/22
    30 Year Conventional Refi 6.87% 11/26/22
    30 Year Cash-out Refi 7.06% 11/26/22
    30 Year FHA Purchase 7.70% 11/26/22
    30 Year FHA Refi 7.53% 11/26/22
    30 Year VA Purchase 6.56% 11/26/22
    30 Year VA Refi 6.51% 11/26/22
    30 Year USDA Purchase 7.00% 11/26/22
    30 Year USDA Refi 7.02% 11/26/22
    15 Year Conventional Purchase 6.15% 11/26/22
    15 Year Conventional Refi 6.26% 11/26/22
    15 Year Cash-out Refi 6.26% 11/26/22
    15 Year FHA Refi 6.97% 11/26/22
    15 Year VA Purchase 6.14% 11/26/22
    15 Year VA Refi 6.04% 11/26/22
    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.


    Originations

    24,557

    Origination Dollar Volume (All Markets)

    $9,874,425,000

    Employee count

    3,733 Show all (18) awards

    Relative Rate

    Umpqua Bank's average 30 year fixed mortgage rate was 3.05%.

    The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

    This yields a difference of -0.1%.

    Relative Fees (Closing Costs)

    Umpqua Bank's average total fees/closing costs for a 30 year fixed rate mortgage were $5,509.

    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 $4,750.

    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
    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.

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

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 16,832 $8,183,900,000 $486,211 $5,464 3.10%
    HELOC 6,160 $1,132,970,000 $183,924 n/a 2.94%
    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 2021, Umpqua Bank's most frequently originated type of loan was Conventional, with 16,832 originations. Their 2nd most popular type was HELOC, with 6,160 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. 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 2021, Umpqua Bank's most frequently cited loan purpose was Home Purchase, with 8,163 originations. The 2nd most popular reason was 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 2021, Umpqua Bank's most frequently cited loan duration was 30 Year, with 20,239 originations. The 2nd most popular length was 15 Year, with 2,193 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 5,813 $2,642,995,000 $454,670
    $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
    $3k-4k 2,109 $729,005,000 $345,664
    $4k-5k 1,602 $743,630,000 $464,189

    Umpqua Bank's average total fees were $5,509, while their most frequently occuring range of origination fees (closing costs) 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 for loans was 3.05%, while their most frequently originated rate bucket for loans was 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 or Islander 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 applications
    92.45%

    Umpqua Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    84.73%

    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 1106 Sherman Avenue Coeur D Alene, ID 83814 Full Service B&M $48,863
    Umpqua Bank 10 N.E. 181st Avenue Portland, OR 97230 Full Service B&M $59,202
    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
    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 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 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 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 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 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 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 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 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 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 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 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 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 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 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

    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