Umpqua Bank in Oregon vs the state
23.0%Denial rate+7.64 pts vs state
26.6%Decision denial rate+7.46 pts vs state
61.5%Origination rate+0.84 pts vs state
7.50%Median rate+0.75 pts vs state
0.89Rate spread (pts)+0.61 pts vs state
$105kMedian applicant income
1,939Loans originated
724Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 3,016 | 2,013 | 18.1% | 8.50% | #6 |
| 2024 | 3,024 | 1,925 | 18.2% | 8.50% | #6 |
| 2025 | 3,155 | 1,939 | 23.0% | 7.50% | #6 |
What Umpqua Bank lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Umpqua Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lane County | 316 | 194 | 63 | 19.9% |
| Multnomah County | 289 | 166 | 78 | 27.0% |
| Deschutes County | 244 | 187 | 38 | 15.6% |
| Marion County | 244 | 154 | 50 | 20.5% |
| Clackamas County | 233 | 139 | 52 | 22.3% |
| Douglas County | 210 | 121 | 51 | 24.3% |
| Washington County | 176 | 106 | 40 | 22.7% |
| Jackson County | 158 | 93 | 42 | 26.6% |
| Linn County | 148 | 89 | 34 | 23.0% |
| Coos County | 118 | 57 | 46 | 39.0% |
Other large lenders in Oregon
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Onpoint Community Credit Union | B | 10,710 | 15.7% | 7.50% |
| Rocket Mortgage | C | 6,649 | 16.3% | 6.75% |
| United Shore Financial Services | B | 6,600 | 10.4% | 6.25% |
| Guild Mortgage | A | 6,034 | 2.6% | 6.55% |
| U.S. Bank | D | 4,875 | 31.6% | 7.85% |
| Newrez | D | 2,945 | 12.9% | 6.63% |
| CMG Mortgage | A | 2,702 | 2.9% | 6.50% |
| Pennymac Loan Services | C | 2,642 | 10.2% | 6.62% |
| Rogue Credit Union | C | 2,511 | 10.2% | 7.49% |
| Bank of America | F | 2,389 | 26.6% | 6.24% |
Frequently asked questions
Oregon: 3,155 applications in 2025, of which 1,939 were originated and 724 denied.
23.0% of all applications, or 26.6% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Umpqua Bank originated in Oregon in 2025 was 7.50%, against a statewide median of 6.75%.
About this data. Figures are Umpqua Bank's own HMDA filing for properties located in Oregon, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology