# Umpqua Bank

> **Canonical URL:** https://saferate.com/lenders/umpqua-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Umpqua Bank is a bank, headquartered in Roseburg, OR, serving borrowers across 8 states, with 1,515 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 71% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 35% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** IFQSIUC9AGQV2NE8CN25
- **Headquarters:** Roseburg, OR
- **Geographic Reach:** Multi-Region
- **States Served:** 8
- **State List:** AZ, CA, CO, ID, MT, NV, OR, WA
- **Markets (MSAs):** 29
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 29/100
- Rating: ●●○○○ (2/5)

### Pull Through: Strong 😀
- Score: 65/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.257%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,032
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,515
- **Dollar Volume:** $756 million
- **Applications Received:** 2,186
- **Market Share:** 4.00%

## Typical Borrower Profile

- **Average Loan Amount:** $499,198
- **Average Borrower Income:** $204,764
- **Average Property Value:** $728,696

## Safe Rate Awards 🏆

- ⭐ **Jumbo Gold Superstar** (62%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 76/100 | 1,169 | +0.275% | $3,174 | Strong 😀 |
| FHA | 67/100 | 103 | +0.540% | $4,794 | Strong 😀 |
| VA | 68/100 | 61 | -0.146% | $3,277 | Strong 😀 |
| Jumbo | 84/100 | 172 | +0.139% | $584 | Exceptional 🤩 |
| USDA | 47/100 | 10 | +0.317% | $4,024 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 958 loans, Score: 76/100 (Strong)
- Refinance: 211 loans, Score: 71/100 (Strong)

**FHA:**
- Purchase: 94 loans, Score: 66/100 (Strong)

**VA:**
- Purchase: 50 loans, Score: 67/100 (Strong)

**Jumbo:**
- Purchase: 153 loans, Score: 84/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 76/100 | 1,265 | $647M | +0.241% | Strong 😀 |
| Refinance | 70/100 | 250 | $110M | +0.328% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| OR | 683 | 1.60% | 90/100 |
| WA | 520 | 0.61% | 84/100 |
| CA | 190 | 0.07% | 62/100 |
| ID | 86 | 0.32% | 62/100 |
| NV | 17 | 0.04% | 44/100 |
| AZ | 15 | 0.02% | 41/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 364 | 69/100 |
| Portland | OR-WA | 171 | 73/100 |
| Seattle | WA | 107 | 69/100 |
| Bend, OR | OR | 100 | 90/100 |
| Eugene | OR | 82 | 77/100 |
| Kennewick | WA | 72 | 75/100 |
| Salem, OR | OR | 64 | 74/100 |
| Spokane | WA | 43 | 64/100 |
| Tacoma | WA | 40 | 62/100 |
| Medford, OR | OR | 34 | 62/100 |
| Corvallis, OR | OR | 33 | 78/100 |
| Everett, WA | WA | 32 | 58/100 |
| Coeur d'Alene, ID | ID | 31 | 60/100 |
| Albany, OR | OR | 28 | 73/100 |
| Sacramento | CA | 28 | 51/100 |

## Where This Lender Ranks

Umpqua Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Eugene for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/eugene/best-mortgage-lenders/banks/jumbo-loans)
- 🥈 **#2** in Eugene for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/eugene/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Eugene for Jumbo Loans
  - [View Full Rankings](https://saferate.com/eugene/best-mortgage-lenders/jumbo-loans)
- 🥈 **#2** in Salem, OR for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/salem-or/best-mortgage-lenders/banks/va-loans)
- 🥈 **#2** in Spokane for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/spokane/best-mortgage-lenders/banks/jumbo-loans)
- 🥉 **#3** in Salem, OR for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/salem-or/best-mortgage-lenders/banks/fha-loans)
- 🥉 **#3** in Spokane for Jumbo Loans
  - [View Full Rankings](https://saferate.com/spokane/best-mortgage-lenders/jumbo-loans)
- 🥉 **#3** in Medford, OR Banks
  - [View Full Rankings](https://saferate.com/medford-or/best-mortgage-lenders/banks)
- 🥉 **#3** in Medford, OR for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/medford-or/best-mortgage-lenders/banks/conventional-loans)
- 🥉 **#3** in Corvallis, OR for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/corvallis-or/best-mortgage-lenders/banks/conventional-loans)
- 🥉 **#3** in Coeur d'Alene, ID Banks
  - [View Full Rankings](https://saferate.com/coeur-dalene-id/best-mortgage-lenders/banks)
- 🥉 **#3** in Longview for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/longview/best-mortgage-lenders/banks/conventional-loans)
- 🥉 **#3** in Walla Walla, WA for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/walla-walla-wa/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#4** in Kennewick for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/kennewick/best-mortgage-lenders/banks/va-loans)
- 🏆 **#4** in Redding, CA for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/redding-ca/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#5** in Kennewick for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/kennewick/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#5** in Salem, OR Banks
  - [View Full Rankings](https://saferate.com/salem-or/best-mortgage-lenders/banks)
- 🏆 **#5** in Coeur d'Alene, ID for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/coeur-dalene-id/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#5** in Bremerton for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/bremerton/best-mortgage-lenders/banks/va-loans)
- 🏆 **#6** in Bend, OR Banks
  - [View Full Rankings](https://saferate.com/bend-or/best-mortgage-lenders/banks)

## Frequently Asked Questions

### What loan types does Umpqua Bank offer?

Umpqua Bank offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Umpqua Bank offer mortgages?

Umpqua Bank offers mortgages in 8 states: AZ, CA, CO, ID, MT, NV, OR, WA.

### How competitive are Umpqua Bank's mortgage rates?

Umpqua Bank has a pricing score of 29/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.257% above market average.

### What type of lender is Umpqua Bank?

Umpqua Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Roseburg, OR.

### What is Umpqua Bank's loan approval success rate?

Umpqua Bank has a pull-through score of 65/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/umpqua-bank

### How to Cite

> "Umpqua Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/umpqua-bank

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