Looking for a different lender?
U
Umpqua Bank
Bank|Roseburg, OR|Multi-Region
Loans Originated
1,515
Applications
2,186
Volume
$756 million
Offers loans directly to consumers
Overall Pricing
Acceptable
Overall Pull Through
Strong
Pricing and Pullthrough Overview
Average Rate Spread
+0.257%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$3,032
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
69.3%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo loans
Things to Think About
- Pricing may be below industry average
Report Card
Umpqua Bank performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Jumbo | Exceptional | Market Leader | |
USDA | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Sound | Multi-Regional · 29 metro areas · 8 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$499,198
Average Borrower Income
$204,764
Average Property Value
$728,696
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Strong | Acceptable | Strong | 1,169 | 77.2% | +0.275% | $3,174 |
FHA Loans | Sound | Strong | Acceptable | Strong | 103 | 6.8% | +0.540% | $4,794 |
VA Loans | Sound | Strong | Acceptable | Strong | 61 | 4.0% | -0.146% | $3,277 |
Jumbo Loans | Sound | Exceptional | Acceptable | Strong | 172 | 11.4% | +0.139% | $584 |
USDA Loans | Sound | Sound | N/A | N/A | 10 | 0.7% | +0.317% | $4,024 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Strong | Acceptable | Strong | 1,265 | 83.5% | +0.241% | $3,024 |
Refinance | Sound | Strong | Acceptable | Sound | 250 | 16.5% | +0.328% | $3,067 |
Geographic Coverage
Metro Areas
28
States Served
8
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
AZCACOIDMTNVORWA
Top Metro Areas by Place Specialization Score
1
Bend, OR, ORMSA
Volume: 100Mix: 6.60%
Place Specialization
Exceptional
2
Corvallis, OR, ORMSA
Volume: 33Mix: 2.18%
Place Specialization
Strong
3
Eugene, ORMSA
Volume: 82Mix: 5.41%
Place Specialization
Strong
4
Kennewick, WAMSA
Volume: 72Mix: 4.75%
Place Specialization
Strong
5
Salem, OR, ORMSA
Volume: 64Mix: 4.22%
Place Specialization
Strong
6
Portland, OR-WAMSA
Volume: 171Mix: 11.29%
Place Specialization
Strong
7
Albany, OR, ORMSA
Volume: 28Mix: 1.85%
Place Specialization
Strong
8
Seattle, WAMSA
Volume: 107Mix: 7.06%
Place Specialization
Strong
9
Spokane, WAMSA
Volume: 43Mix: 2.84%
Place Specialization
Strong
10
Tacoma, WAMSA
Volume: 40Mix: 2.64%
Place Specialization
Strong
Showing 10 of 28 metro areas
Top States by Place Specialization Score
1
ORState
Volume: 683Mix: 45.08%
Place Specialization
Exceptional
2
WAState
Volume: 520Mix: 34.32%
Place Specialization
Exceptional
3
CAState
Volume: 190Mix: 12.54%
Place Specialization
Strong
4
IDState
Volume: 86Mix: 5.68%
Place Specialization
Strong
5
NVState
Volume: 17Mix: 1.12%
Place Specialization
Sound
6
AZState
Volume: 15Mix: 0.99%
Place Specialization
Sound
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
Ready to Get Started?
Compare Umpqua Bank with other lenders or get personalized recommendations.