Umpqua Bank in California vs the state
27.9%Denial rate+10.52 pts vs state
32.9%Decision denial rate+10.54 pts vs state
54.7%Origination rate-1.49 pts vs state
8.00%Median rate+1.38 pts vs state
1.18Rate spread (pts)+0.91 pts vs state
$157kMedian applicant income
703Loans originated
359Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,460 | 901 | 21.9% | 8.75% | #106 |
| 2024 | 1,384 | 828 | 21.8% | 9.00% | #124 |
| 2025 | 1,285 | 703 | 27.9% | 8.00% | #145 |
What Umpqua Bank lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Umpqua Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Sonoma County | 93 | 55 | 17 | 18.3% |
| Sacramento County | 81 | 39 | 30 | 37.0% |
| Shasta County | 66 | 40 | 15 | 22.7% |
| Los Angeles County | 63 | 31 | 25 | 39.7% |
| Humboldt County | 61 | 34 | 14 | 23.0% |
| Contra Costa County | 60 | 25 | 21 | 35.0% |
| Placer County | 60 | 37 | 12 | 20.0% |
| El Dorado County | 52 | 39 | 8 | 15.4% |
| Tehama County | 47 | 27 | 13 | 27.7% |
| Stanislaus County | 42 | 26 | 10 | 23.8% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 1,285 applications in 2025, of which 703 were originated and 359 denied.
27.9% of all applications, or 32.9% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Umpqua Bank originated in California in 2025 was 8.00%, against a statewide median of 6.63%.
About this data. Figures are Umpqua Bank's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology