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Umpqua Bank in Oregon

HMDA record for properties in Oregon, calendar year 2024. National record · Oregon overview

LEI IFQSIUC9AGQV2NE8CN25
Reporting agency Consumer Financial Protection Bureau
State Oregon

HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.

Umpqua Bank's 2024 HMDA record for Oregon covers 3,024 applications, 1,925 of them originated, worth $584m.

Its denial rate in the state was 21.5%, close to the Oregon rate of 20.6% across all lenders and compared with the lender's national rate of 23.6%.

The median rate spread on its Oregon originations was 1.2 percentage points (state median 0.4).

Applications in the state were about level with 2023.

3,024applications in OR, 202437.8% of the lender's total
1,925loans originated$584m
21.5%denial rateOR all lenders 20.6%
1.2 ppmedian rate spreadOR 0.4 pp

Compared with the state and the lender's national record

MeasureIn OregonOregon, all lendersUmpqua Bank, all statesUnited States
Denial rate21.5%20.6%23.6%24.3%
Median rate spread, pp1.20.41.30.3
Originations with spread of 1.5 pp or more28.7%16.0%30.9%15.6%
Average originated loan$303k$354k$335k$329k
Home purchase share43.0%53.8%34.2%57.0%
FHA-insured share3.0%11.9%2.5%13.4%
VA-guaranteed share1.6%6.7%1.5%7.9%

Trend by year

ApplicationsOriginations

03576.57,1532022: 7,153 Applications2023: 3,016 Applications2024: 3,024 Applications2022: 5,422 Originations2023: 2,013 Originations2024: 1,925 Originations202220232024
Umpqua Bank in Oregon: applications and originations, 2022–2024

This lender in stateOregon, all lenders

0%10.8%21.7%2022: 11.6% This lender in state2023: 20.5% This lender in state2024: 21.5% This lender in state202220232024
Denial rate by year, state rate dashed

Loan purpose and loan type in Oregon

By purpose

Home purchase 43% (828)Home improvement 24% (468)Refinancing 12% (237)Cash-out refinancing 3% (67)Other purpose 17% (325)

By type

Conventional 95% (1,827)FHA 3% (58)VA 2% (31)USDA 0% (9)

Denial reasons as coded

Debt-to-income ratio34.5%
Credit history33%
Collateral23.8%
Other6%
Unverifiable information1.3%
Employment history1.1%
Credit application incomplete0.4%
Insufficient cash (downpayment, closing costs)0%
Mortgage insurance denied0%

Share of 551 denials in Oregon by first denial reason coded (outlined bar: all lenders in the state).

Counties in Oregon

CountyApplicationsOriginationsAmountDenial rate
Lane County286183$55m21.7%
Deschutes County223168$88m9.3%
Multnomah County252164$53m22.7%
Marion County259158$39m23.3%
Douglas County199122$21m27.2%
Clackamas County215115$60m27.1%
Washington County176112$29m21.8%
Coos County16197$14m24.1%
Jackson County14497$51m17.4%
Linn County14690$21m21.8%
Benton County8261$19m16.4%
Polk County7851$12m26.8%
Lincoln County8750$11m20.6%
Klamath County7849$10m24.2%
Josephine County5440$9.8m14.6%
Curry County6137$9.3m23.1%
Baker County5737$5.2m20.0%
Yamhill County6536$8.4m24.5%
Umatilla County6035$7.6m31.4%
Clatsop County5533$11m26.1%
Union County4324$3.6m26.5%
Tillamook County4024$7.3m28.2%
Wallowa County3524$6.3m13.8%
Wasco County3122$6.0m17.9%

Counties with at least 25 applications, by originations.

Questions and answers

How many mortgages did Umpqua Bank originate in Oregon in 2024?

1,925 loans totalling $584m, from 3,024 applications reported for properties in Oregon.

What is Umpqua Bank's denial rate in Oregon?

21.5% of decided applications in Oregon were denied, against 20.6% for all lenders in the state and 23.6% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.

Which Oregon counties does Umpqua Bank lend in most?

By originations: Lane County (183), Deschutes County (168), Multnomah County (164), Marion County (158), Douglas County (122).

Where does this data come from?

From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.

Provenance

Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Oregon. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.