Umpqua Bank in Washington vs the state
24.7%Denial rate+9.08 pts vs state
28.4%Decision denial rate+8.83 pts vs state
60.7%Origination rate-0.36 pts vs state
7.90%Median rate+1.28 pts vs state
1.22Rate spread (pts)+1.03 pts vs state
$136kMedian applicant income
1,846Loans originated
752Denied
Trend in Washington
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 3,082 | 2,063 | 20.0% | 8.65% | #16 |
| 2024 | 2,985 | 1,859 | 22.6% | 9.00% | #22 |
| 2025 | 3,041 | 1,846 | 24.7% | 7.90% | #26 |
What Umpqua Bank lends in Washington
By loan purpose
By loan type
Why it denied Washington applicants
Where in Washington
Counties with the most Umpqua Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| King County | 633 | 377 | 169 | 26.7% |
| Pierce County | 384 | 225 | 108 | 28.1% |
| Clark County | 282 | 174 | 77 | 27.3% |
| Benton County | 222 | 169 | 25 | 11.3% |
| Snohomish County | 215 | 125 | 60 | 27.9% |
| Spokane County | 199 | 107 | 60 | 30.2% |
| Franklin County | 114 | 70 | 33 | 28.9% |
| Kitsap County | 102 | 66 | 23 | 22.5% |
| Kittitas County | 88 | 44 | 25 | 28.4% |
| Whatcom County | 66 | 36 | 20 | 30.3% |
Other large lenders in Washington
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Boeing Employees Credit Union | B | 21,599 | 23.8% | 6.13% |
| Rocket Mortgage | C | 14,301 | 15.9% | 6.63% |
| United Shore Financial Services | B | 13,770 | 10.0% | 6.13% |
| Guild Mortgage | A | 8,056 | 3.4% | 6.63% |
| CMG Mortgage | A | 7,817 | 3.1% | 6.63% |
| Movement Mortgage | A | 7,472 | 3.6% | 6.63% |
| Bank of America | F | 6,986 | 27.0% | 5.99% |
| Crosscountry Mortgage | B | 6,903 | 3.1% | 6.63% |
| U.S. Bank | D | 6,568 | 27.6% | 6.63% |
| Newrez | D | 5,849 | 12.9% | 6.63% |
Frequently asked questions
Washington: 3,041 applications in 2025, of which 1,846 were originated and 752 denied.
24.7% of all applications, or 28.4% of the applications it actually decided on. The Washington statewide average across all lenders was 15.7%.
The median rate on loans Umpqua Bank originated in Washington in 2025 was 7.90%, against a statewide median of 6.63%.
About this data. Figures are Umpqua Bank's own HMDA filing for properties located in Washington, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology