Umpqua Bank Mortgage Rates, Fees & Info
Roseburg, ORLEI: IFQSIUC9AGQV2NE8CN25
Tax ID: 93-0419143
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Mortgage Data
Review & Overview
Umpqua Bank is a mid-sized 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: Seattle, Portland, Los Angeles, Bellingham, and San Francisco among others. We have data for 119 markets. (Some data included below & more in-depth data is available with an active subscription.)Umpqua Bank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Umpqua Bank is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.73% | 4/28/24 |
| 30 Year Conventional Purchase | 6.50% | 4/28/24 |
| 30 Year Conventional Refi | 6.46% | 4/28/24 |
| 30 Year Cash-out Refi | 6.73% | 4/28/24 |
| 30 Year FHA Purchase | 7.50% | 4/28/24 |
| 30 Year FHA Refi | 7.73% | 4/28/24 |
| 30 Year VA Purchase | 6.37% | 4/28/24 |
| 30 Year VA Refi | 6.03% | 4/28/24 |
| 30 Year USDA Purchase | 6.52% | 4/28/24 |
| 15 Year Conventional Purchase | 6.09% | 4/28/24 |
| 15 Year Conventional Refi | 6.09% | 4/28/24 |
| 15 Year Cash-out Refi | 6.09% | 4/28/24 |
| 15 Year VA Refi | 5.68% | 4/28/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Umpqua Bank Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
15,456Origination Dollar Volume (All Markets)
$7,196,910,000Awards
Umpqua Bank - 2022
Umpqua Bank is a 2022 , due to their low .
For 2022, less than of lenders were eligible for this award.
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Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 2,573 | $1,402,385,000 | $545,039 | $8,198 | 4.23% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 2,674 | $1,279,910,000 | $478,650 | $8,100 | 4.33% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 310 | $699,620,000 | $2,256,839 | $10,504 | 3.80% |
| BELLINGHAM, WA (FHA|USDA|VA) | 822 | $334,150,000 | $406,509 | $7,647 | 4.52% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 490 | $333,020,000 | $679,633 | $9,294 | 4.10% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 404 | $217,370,000 | $538,045 | $7,991 | 4.41% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 571 | $208,015,000 | $364,299 | $9,580 | 4.14% |
| Outside of Metro Areas | 760 | $190,530,000 | $250,697 | $8,008 | 4.51% |
| BEND, OR (FHA|USDA|VA) | 407 | $182,555,000 | $448,538 | $8,912 | 4.39% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 478 | $156,380,000 | $327,155 | $8,268 | 4.63% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 68 | $142,890,000 | $2,101,324 | $11,342 | 4.01% |
| SALEM, OR (FHA|USDA|VA) | 375 | $131,415,000 | $350,440 | $8,539 | 4.43% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 86 | $130,630,000 | $1,518,953 | $12,556 | 4.42% |
| MEDFORD, OR (FHA|USDA|VA) | 306 | $88,950,000 | $290,686 | $6,247 | 4.32% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 197 | $87,425,000 | $443,782 | $9,656 | 4.21% |
| Ellensburg, WA (FHA|USDA|VA) | 175 | $86,285,000 | $493,057 | $10,016 | 4.42% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 296 | $85,810,000 | $289,899 | $7,249 | 4.40% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 253 | $76,785,000 | $303,498 | $8,435 | 4.65% |
| Roseburg, OR (FHA|USDA|VA) | 341 | $75,855,000 | $222,449 | $6,210 | 4.50% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 195 | $71,275,000 | $365,513 | $7,405 | 4.58% |
| CORVALLIS, OR (FHA|USDA|VA) | 190 | $63,650,000 | $335,000 | $7,535 | 4.36% |
| Outside of Metro Areas | 179 | $57,655,000 | $322,095 | $9,119 | 4.35% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 119 | $50,135,000 | $421,303 | $9,485 | 4.54% |
| LONGVIEW, WA (FHA|USDA|VA) | 145 | $48,795,000 | $336,517 | $8,633 | 4.48% |
| NAPA, CA (FHA|USDA|VA) | 71 | $47,655,000 | $671,197 | $10,905 | 4.01% |
| RENO, NV (FHA|USDA|VA) | 119 | $43,555,000 | $366,008 | $7,066 | 4.24% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 92 | $41,930,000 | $455,761 | $7,276 | 4.42% |
| BOISE CITY, ID (FHA|USDA|VA) | 124 | $39,290,000 | $316,855 | $7,934 | 4.33% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 68 | $36,750,000 | $540,441 | $6,702 | 4.24% |
| Coos Bay, OR (FHA|USDA|VA) | 198 | $34,300,000 | $173,232 | $6,828 | 4.60% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 43 | $33,945,000 | $789,419 | $14,093 | 4.68% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 143 | $33,265,000 | $232,622 | $6,805 | 4.15% |
| VALLEJO, CA (FHA|USDA|VA) | 77 | $32,825,000 | $426,299 | $8,138 | 4.57% |
| Klamath Falls, OR (FHA|USDA|VA) | 133 | $28,815,000 | $216,654 | $7,059 | 4.56% |
| Centralia, WA (FHA|USDA|VA) | 101 | $26,715,000 | $264,505 | $7,942 | 4.32% |
| Moses Lake, WA (FHA|USDA|VA) | 92 | $26,090,000 | $283,587 | $10,111 | 4.64% |
| Brookings, OR (FHA|USDA|VA) | 121 | $25,425,000 | $210,124 | $6,987 | 4.28% |
| Oak Harbor, WA (FHA|USDA|VA) | 51 | $25,345,000 | $496,961 | $8,741 | 4.50% |
| Newport, OR (FHA|USDA|VA) | 100 | $24,500,000 | $245,000 | $7,569 | 4.43% |
| CHICO, CA (FHA|USDA|VA) | 65 | $23,375,000 | $359,615 | $6,501 | 4.17% |
| Prineville, OR (FHA|USDA|VA) | 49 | $23,135,000 | $472,143 | $9,604 | 4.58% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 14 | $21,350,000 | $1,525,000 | $8,059 | 4.11% |
| Astoria, OR (FHA|USDA|VA) | 61 | $20,905,000 | $342,705 | $9,361 | 4.49% |
| GRANTS PASS, OR (FHA|USDA|VA) | 84 | $18,870,000 | $224,643 | $5,918 | 4.80% |
| YUBA CITY, CA (FHA|USDA|VA) | 66 | $17,950,000 | $271,970 | $8,547 | 4.14% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 34 | $16,530,000 | $486,176 | $14,110 | 4.74% |
| Hermiston-Pendleton, OR (FHA|USDA|VA) | 94 | $16,350,000 | $173,936 | $7,128 | 4.31% |
| YAKIMA, WA (FHA|USDA|VA) | 61 | $16,165,000 | $265,000 | $7,995 | 4.45% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 12 | $16,140,000 | $1,345,000 | $14,811 | 4.00% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 14 | $15,640,000 | $1,117,143 | $16,772 | 4.22% |
| Shelton, WA (FHA|USDA|VA) | 39 | $14,875,000 | $381,410 | $7,955 | 4.38% |
| WENATCHEE, WA (FHA|USDA|VA) | 48 | $14,720,000 | $306,667 | $8,304 | 4.19% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 31 | $14,455,000 | $466,290 | $6,214 | 4.80% |
| STOCKTON, CA (FHA|USDA|VA) | 38 | $13,740,000 | $361,579 | $10,607 | 4.70% |
| Aberdeen, WA (FHA|USDA|VA) | 69 | $12,705,000 | $184,130 | $7,361 | 4.58% |
| MODESTO, CA (FHA|USDA|VA) | 44 | $12,630,000 | $287,045 | $8,012 | 4.46% |
| REDDING, CA (FHA|USDA|VA) | 50 | $12,600,000 | $252,000 | $8,073 | 4.64% |
| WALLA WALLA, WA (FHA|USDA|VA) | 45 | $12,215,000 | $271,444 | $6,968 | 4.08% |
| Clearlake, CA (FHA|USDA|VA) | 51 | $12,115,000 | $237,549 | $6,586 | 4.52% |
| SALINAS, CA (FHA|USDA|VA) | 7 | $12,085,000 | $1,726,429 | $22,518 | 3.93% |
| Ukiah, CA (FHA|USDA|VA) | 30 | $11,620,000 | $387,333 | $8,855 | 4.53% |
| Sandpoint, ID (FHA|USDA|VA) | 25 | $11,135,000 | $445,400 | $7,859 | 4.26% |
| Port Angeles, WA (FHA|USDA|VA) | 50 | $10,750,000 | $215,000 | $7,320 | 4.59% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 7 | $9,865,000 | $1,409,286 | $20,599 | 5.00% |
| The Dalles, OR (FHA|USDA|VA) | 32 | $9,690,000 | $302,813 | $6,959 | 4.68% |
| Sonora, CA (FHA|USDA|VA) | 33 | $7,065,000 | $214,091 | $6,114 | 4.32% |
| Ontario, OR-ID (FHA|USDA|VA) | 33 | $6,635,000 | $201,061 | $6,119 | 4.47% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 10 | $6,540,000 | $654,000 | $6,612 | 3.58% |
| MERCED, CA (FHA|USDA|VA) | 11 | $6,535,000 | $594,091 | $7,865 | 5.41% |
| LEWISTON, ID-WA (FHA|USDA|VA) | 36 | $5,920,000 | $164,444 | $5,398 | 4.51% |
| La Grande, OR (FHA|USDA|VA) | 37 | $5,825,000 | $157,432 | $6,339 | 4.59% |
| Moscow, ID (FHA|USDA|VA) | 31 | $5,705,000 | $184,032 | $7,264 | 4.62% |
| Red Bluff, CA (FHA|USDA|VA) | 30 | $5,200,000 | $173,333 | $7,391 | 4.06% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 5 | $4,255,000 | $851,000 | $10,168 | 3.35% |
| Fernley, NV (FHA|USDA|VA) | 16 | $4,040,000 | $252,500 | $5,602 | 5.35% |
| Hood River, OR (FHA|USDA|VA) | 11 | $3,945,000 | $358,636 | $8,279 | 3.94% |
| Crescent City, CA (FHA|USDA|VA) | 14 | $3,460,000 | $247,143 | $12,002 | 4.91% |
| Othello, WA (FHA|USDA|VA) | 11 | $2,765,000 | $251,364 | $15,890 | 4.11% |
| Kalispell, MT (FHA|USDA|VA) | 2 | $2,580,000 | $1,290,000 | $5,661 | 4.31% |
| Pullman, WA (FHA|USDA|VA) | 17 | $2,555,000 | $150,294 | $8,222 | 4.45% |
| CARSON CITY, NV (FHA|USDA|VA) | 6 | $2,290,000 | $381,667 | $4,072 | 4.42% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 6 | $2,020,000 | $336,667 | $6,107 | 3.90% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 4 | $1,940,000 | $485,000 | $7,972 | 5.13% |
| FRESNO, CA (FHA|USDA|VA) | 9 | $1,795,000 | $199,444 | $6,461 | 4.92% |
| BILLINGS, MT (FHA|USDA|VA) | 5 | $1,605,000 | $321,000 | $7,242 | 4.93% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 3 | $1,595,000 | $531,667 | $7,520 | 6.00% |
| ANCHORAGE, AK (FHA|USDA|VA) | 5 | $1,375,000 | $275,000 | $6,181 | 4.30% |
| PROVO-OREM, UT (FHA|USDA|VA) | 3 | $1,365,000 | $455,000 | $6,493 | 4.29% |
| Kapaa, HI (FHA|USDA|VA) | 2 | $1,300,000 | $650,000 | $19,457 | 3.44% |
| TUCSON, AZ (FHA|USDA|VA) | 5 | $1,205,000 | $241,000 | $4,171 | 4.13% |
| VISALIA, CA (FHA|USDA|VA) | 3 | $1,015,000 | $338,333 | $8,644 | 4.42% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 1 | $785,000 | $785,000 | $5,097 | 4.00% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 2 | $760,000 | $380,000 | $9,236 | 5.19% |
| FORT COLLINS, CO (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $5,427 | 3.44% |
| Nogales, AZ (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $5,182 | 3.44% |
| Mountain Home, ID (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $9,631 | 3.50% |
| Jackson, WY-ID (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $6,486 | 4.13% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $5,459 | 4.19% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 1 | $595,000 | $595,000 | $5,750 | 3.13% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $6,704 | 3.63% |
| TWIN FALLS, ID (FHA|USDA|VA) | 3 | $535,000 | $178,333 | $6,207 | 6.25% |
| Fallon, NV (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $2,971 | 3.25% |
| Elko, NV (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $10,020 | 5.63% |
| GREELEY, CO (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $15,003 | 4.75% |
| YUMA, AZ (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $6,709 | 4.75% |
| POCATELLO, ID (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $5,684 | 3.25% |
| Bozeman, MT (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $5,426 | 3.38% |
| Laramie, WY (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $4,712 | 4.00% |
| MADERA, CA (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $8,932 | 4.56% |
| Montrose, CO (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $3,203 | 5.75% |
| Hilo, HI (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $10,972 | 3.38% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $10,446 | 4.75% |
| FAIRBANKS, AK (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $9,611 | 5.88% |
| CHEYENNE, WY (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $2,237 | 3.88% |
| Pahrump, NV (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $2,272 | 3.06% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $5,820 | 4.50% |
| Hailey, ID (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 3.75% |
| Burley, ID (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 2.99% |
| Butte-Silver Bow, MT (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $5,615 | 6.63% |
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Product Mix
For 2022, Umpqua Bank's most frequently originated type of loan was Conventional, with 7,559 originations. Their 2nd most popular type was HELOC, with 7,330 originations.
Loan Reason
For 2022, Umpqua Bank's most frequently cited loan purpose was Home Purchase, with 5,662 originations. The 2nd most popular reason was Home Improvement, with 3,445 originations.
Loan Duration/Length
For 2022, Umpqua Bank's most frequently cited loan duration was 30 Year, with 13,629 originations. The 2nd most popular length was 30+ year, with 1,126 originations.
Origination Fees/Closing Costs
Umpqua Bank's average total fees were $7,224, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 2,466 originations.
Interest Rates
During 2022, Umpqua Bank's average interest rate for loans was 4.35%, while their most frequently originated rate bucket for loans was 2.5-3%, with 4,506 originations.
Loan Sizing
2022 saw Umpqua Bank place emphasis on $200k-400k loans with 4,564 originations, totaling $1,308,620,000 in origination value.
Applicant Income
Umpqua Bank lent most frequently to those with incomes in the $100k-150k range, with 3,517 originations. The second most popular income band? $150k-250k, with 3,495 originations.
Applicant Debt to Income Ratio
Umpqua Bank lent most frequently to those with DTI ratios of 20-30%, with 2,843 originations. The next most common DTI ratio? 30-36%, with 2,477 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications89.50%
Umpqua Bank has an average approval rate.
Pick Rate
Approvals leading to origination85.39%
Umpqua Bank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 15,456 | $7,196,910,000 | $465,639 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 15,456 | $7,196,910,000 | $465,639 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2022 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| UMPQUA HOLDINGS CORPORATION | Conventional home mortgage | Trouble during payment process | 1 | 100.0% |