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 score and performance metrics.

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 an overall pricing score of 29.3/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Umpqua Bank?

Umpqua Bank is a Bank headquartered in Roseburg, OR.

Unclaimed

Umpqua Bank

Bank•Roseburg, OR•Direct to Consumer

We analyzed every closed loan from Umpqua Bank — 1.5k loans across 2k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.

Pricing

Acceptable

vs. all lenders

Pull Through

Strong

closing strength

Products

Exceptional

FHA · Conventional · VA · Jumbo · USDA

Place

Sound

Multi-Region · 28 mkts

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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

Explore another lender or local market

Report Card

Umpqua Bank performance at a glance

Category	Score	vs. Peers
Overall Performance· Pricing & closing strength
Pricing Rate competitiveness	Acceptable	Near industry average +25.7 bps above market avg
Pull Through Closing strength	Strong	Highly Competitive Top 40% of lenders
By Loan Product· Specialization by type
Conventional	Strong	Highly Competitive Top 40% of lenders
FHA	Strong	Highly Competitive Top 40% of lenders
VA	Strong	Highly Competitive Top 40% of lenders
Jumbo	Exceptional	Market Leader Top 20% of lenders
USDA	Sound	Industry Standard Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase	Strong	Highly Competitive Top 40% of lenders
Refinance	Strong	Highly Competitive Top 40% of lenders
By Location· Geographic coverage
Geographic Reach Coverage footprint	Sound	Industry Standard Top 60% of lenders Multi-Regional29 markets

Loan Product Performance

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%Above	$3,174Fees
FHA Loans	Sound	Strong	Acceptable	Strong	103	6.8%	+0.540%Above	$4,794Fees
VA Loans	Sound	Strong	Acceptable	Strong	61	4.0%	-0.146%Below	$3,277Fees
Jumbo Loans	Sound	Exceptional	Acceptable	Strong	172	11.4%	+0.139%Above	$584Fees
USDA Loans	Sound	Sound	—	—	10	0.7%	+0.317%Above	$4,024Fees

Loan Purpose Performance

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%Above	$3,024Fees
Refinance	Sound	Strong	Acceptable	Sound	250	16.5%	+0.328%Above	$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

States Served

We count Washington DC as a state

Avg Place Specialization

Sound

States with Loan Originations

AZCACOIDMTNVORWA

Top Metro Areas by Place Specialization Score

Bend, OR, ORMSA

Volume: 100Mix: 6.60%of portfolio

Place

Exceptional

Corvallis, OR, ORMSA

Volume: 33Mix: 2.18%of portfolio

Place

Strong

Eugene, ORMSA

Volume: 82Mix: 5.41%of portfolio

Place

Strong

Kennewick, WAMSA

Volume: 72Mix: 4.75%of portfolio

Place

Strong

Salem, OR, ORMSA

Volume: 64Mix: 4.22%of portfolio

Place

Strong

Portland, OR-WAMSA

Volume: 171Mix: 11.29%of portfolio

Place

Strong

Albany, OR, ORMSA

Volume: 28Mix: 1.85%of portfolio

Place

Strong

Seattle, WAMSA

Volume: 107Mix: 7.06%of portfolio

Place

Strong

Spokane, WAMSA

Volume: 43Mix: 2.84%of portfolio

Place

Strong

Tacoma, WAMSA

Volume: 40Mix: 2.64%of portfolio

Place

Strong

Showing 10 of 28 metro areas

Top States by Place Specialization Score

ORState

Volume: 683Mix: 45.08%of portfolio

Place

Exceptional

WAState

Volume: 520Mix: 34.32%of portfolio

Place

Exceptional

CAState

Volume: 190Mix: 12.54%of portfolio

Place

Strong

IDState

Volume: 86Mix: 5.68%of portfolio

Place

Strong

NVState

Volume: 17Mix: 1.12%of portfolio

Place

Sound

AZState

Volume: 15Mix: 0.99%of portfolio

Place

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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.

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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

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.