We analyzed every closed loan from Umpqua Bank — 1.5k loans across 2k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo · USDA
Place
Sound
3/5
Multi-Region · 28 mkts
Awards
Jumbo
Superstar
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
Explore another lender or local market
Report Card
Umpqua Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+25.7 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
Jumbo
Exceptional
Top 20% of lenders
USDA
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 29 markets
Sound
Top 60% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 1,169 | 77.2% | +0.275%Above | $3,174Fees | ||||
FHA Loans | 103 | 6.8% | +0.540%Above | $4,794Fees | ||||
VA Loans | 61 | 4.0% | -0.146%Below | $3,277Fees | ||||
Jumbo Loans | 172 | 11.4% | +0.139%Above | $584Fees | ||||
USDA Loans | — | — | 10 | 0.7% | +0.317%Above | $4,024Fees |
Conventional
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume1,169
Mix77.2%
Spread
+0.275%Above
Fees
$3,174Fees
FHA Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume103
Mix6.8%
Spread
+0.540%Above
Fees
$4,794Fees
VA Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume61
Mix4.0%
Spread
-0.146%Below
Fees
$3,277Fees
Jumbo Loans
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume172
Mix11.4%
Spread
+0.139%Above
Fees
$584Fees
USDA Loans
OverallSound
ProductSound
Pricing—
Pull Through—
Volume10
Mix0.7%
Spread
+0.317%Above
Fees
$4,024Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,265 | 83.5% | +0.241%Above | $3,024Fees | ||||
Refinance | 250 | 16.5% | +0.328%Above | $3,067Fees |
Purchase
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume1,265
Mix83.5%
Spread
+0.241%Above
Fees
$3,024Fees
Refinance
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume250
Mix16.5%
Spread
+0.328%Above
Fees
$3,067Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,515
Applications
2,186
Volume
$756 million
Pricing & Closing
Avg Rate Spread
+0.257%
vs. market APOR
Avg Net Fees
$3,032
Origination − Credits
Pullthrough Rate
69.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$499,198
Avg Borrower Income
$204,764
Avg Property Value
$728,696
Geographic Coverage
Geographic Performance
Metro Areas
28
markets with activity
States Served
8
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
8West8
AZCACOIDMTNVORWA
Top Metro Areas by Place Specialization Score
Volume 100Mix 6.60% of portfolio
90/100
Exceptional
Volume 33Mix 2.18% of portfolio
78/100
Strong
Volume 82Mix 5.41% of portfolio
77/100
Strong
Volume 72Mix 4.75% of portfolio
75/100
Strong
Volume 64Mix 4.22% of portfolio
74/100
Strong
Volume 171Mix 11.29% of portfolio
73/100
Strong
Volume 28Mix 1.85% of portfolio
73/100
Strong
Volume 107Mix 7.06% of portfolio
69/100
Strong
Volume 43Mix 2.84% of portfolio
64/100
Strong
Volume 40Mix 2.64% of portfolio
62/100
StrongShowing 10 of 28 metro areas
Top States by Place Specialization Score
1
OregonState
Volume 683Mix 45.08% of portfolio
90/100
Exceptional2
WashingtonState
Volume 520Mix 34.32% of portfolio
84/100
Exceptional3
CaliforniaState
Volume 190Mix 12.54% of portfolio
62/100
Strong4
IdahoState
Volume 86Mix 5.68% of portfolio
62/100
Strong5
NevadaState
Volume 17Mix 1.12% of portfolio
44/100
Sound6
ArizonaState
Volume 15Mix 0.99% of portfolio
41/100
SoundHow We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
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.
Looking for a different lender?
Are you the owner of Umpqua Bank?
Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.
The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.