Lender in Washington · HMDA 2025
Umpqua Bank mortgages in Washington
Umpqua Bank's 2025 home-purchase and refinance lending in Washington, compared with all lenders in the state.
Umpqua Bank originated 587 owner-occupied single-family loans in Washington from 634 completed applications.
Its median conventional purchase loan costs were $6,950 versus $6,530 for all Washington lenders, at a median 30-year fixed rate of 6.625% (Washington: 6.625%).
Loans in WA
587
of 634 applications
Denial rate
5.3%
Purchase · WA 5.9%
Rate spread
+0.22 pts
Conv. · WA +0.10 pts
Loan amount
$405,000
Purchase · WA $495,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 490 | 460 | 5.3% | 6.625% | +0.22 pts | $6,950 | $405,000 |
| Refinance | 60 | 55 | 8.3% | 6.375% | +0.06 pts | $4,830 | $485,000 |
| Cash-out refinance | 84 | 72 | 14.3% | 7.000% | +0.45 pts | $4,570 | $345,000 |
*Conventional loans only; medians with at least 20 loans.
Washington counties where Umpqua Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Klickitat County | 6 | 10 | 4.6% |
| Benton County | 7 | 109 | 3.4% |
| Adams County | 8 | 8 | 4.6% |
| Franklin County | 9 | 33 | 2.7% |
| Okanogan County | 9 | 10 | 3.1% |
| Walla Walla County | 10 | 15 | 2.3% |
| Kittitas County | 16 | 15 | 2.2% |
| Cowlitz County | 18 | 19 | 1.1% |
| Skamania County | 25 | 2 | 1.3% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology