Lender in Oregon · HMDA 2025
Umpqua Bank mortgages in Oregon
Umpqua Bank's 2025 home-purchase and refinance lending in Oregon, compared with all lenders in the state.
Umpqua Bank originated 735 owner-occupied single-family loans in Oregon from 784 completed applications, making it the state's #15 lender by volume.
Its median conventional purchase loan costs were $5,770 versus $6,490 for all Oregon lenders, at a median 30-year fixed rate of 6.50% (Oregon: 6.625%).
Loans in OR
735
of 784 applications
Denial rate
4.5%
Purchase · OR 5.7%
Rate spread
+0.23 pts
Conv. · OR +0.12 pts
Loan amount
$365,000
Purchase · OR $415,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 645 | 607 | 4.5% | 6.500% | +0.23 pts | $5,770 | $365,000 |
| Refinance | 71 | 69 | 2.8% | 6.500% | +0.13 pts | $4,970 | $395,000 |
| Cash-out refinance | 68 | 59 | 8.8% | 6.875% | +0.37 pts | $5,580 | $305,000 |
*Conventional loans only; medians with at least 20 loans.
Oregon counties where Umpqua Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Wallowa County | 1 | 17 | 22.7% |
| Harney County | 1 | 15 | 25.0% |
| Douglas County | 6 | 51 | 4.4% |
| Benton County | 6 | 39 | 5.5% |
| Baker County | 7 | 11 | 5.6% |
| Deschutes County | 8 | 106 | 3.2% |
| Union County | 8 | 7 | 2.5% |
| Wasco County | 9 | 8 | 3.3% |
| Morrow County | 9 | 4 | 3.4% |
| Coos County | 10 | 19 | 2.8% |
| Umatilla County | 13 | 21 | 2.2% |
| Gilliam County | 13 | 1 | 5.9% |
| Jefferson County | 14 | 7 | 2.2% |
| Curry County | 14 | 3 | 1.9% |
| Lane County | 15 | 76 | 1.9% |
| Klamath County | 15 | 15 | 1.9% |
| Clatsop County | 15 | 8 | 1.7% |
| Marion County | 17 | 58 | 1.6% |
| Linn County | 17 | 28 | 1.8% |
| Josephine County | 17 | 10 | 1.1% |
| Crook County | 17 | 8 | 1.7% |
| Jackson County | 18 | 34 | 1.3% |
| Tillamook County | 19 | 4 | 1.4% |
| Hood River County | 20 | 3 | 1.7% |
| Lincoln County | 21 | 7 | 1.5% |
| Polk County | 22 | 13 | 1.2% |
| Clackamas County | 23 | 44 | 0.9% |
| Yamhill County | 24 | 12 | 1.0% |
| Malheur County | 25 | 3 | 1.1% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology