Lenders › Umpqua Bank › Washington
Umpqua Bank in Washington
HMDA record for properties in Washington, calendar year 2024. National record · Washington overview
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.
In Washington, Umpqua Bank reported 2,985 applications and 1,859 originations for 2024, $634m in all.
Its denial rate in the state was 25.8%, above the Washington rate of 21.3% across all lenders and compared with the lender's national rate of 23.6%.
The median rate spread on its Washington originations was 1.4 percentage points (state median 0.4).
Applications in the state were about level with 2023.
Compared with the state and the lender's national record
| Measure | In Washington | Washington, all lenders | Umpqua Bank, all states | United States |
|---|---|---|---|---|
| Denial rate | 25.8% | 21.3% | 23.6% | 24.3% |
| Median rate spread, pp | 1.4 | 0.4 | 1.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 33.2% | 15.8% | 30.9% | 15.6% |
| Average originated loan | $341k | $440k | $335k | $329k |
| Home purchase share | 29.6% | 54.5% | 34.2% | 57.0% |
| FHA-insured share | 2.3% | 9.9% | 2.5% | 13.4% |
| VA-guaranteed share | 1.6% | 8.6% | 1.5% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateWashington, all lenders
Loan purpose and loan type in Washington
By purpose
Home purchase 30% (551)Home improvement 31% (578)Refinancing 19% (350)Cash-out refinancing 3% (62)Other purpose 17% (318)
By type
Conventional 96% (1,786)FHA 2% (43)VA 2% (30)
Denial reasons as coded
Share of 675 denials in Washington by first denial reason coded (outlined bar: all lenders in the state).
Counties in Washington
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| King County | 667 | 429 | $230m | 24.2% |
| Pierce County | 434 | 266 | $67m | 26.6% |
| Clark County | 293 | 176 | $50m | 29.6% |
| Snohomish County | 198 | 130 | $45m | 25.6% |
| Benton County | 180 | 115 | $33m | 17.9% |
| Spokane County | 190 | 109 | $36m | 28.3% |
| Kitsap County | 105 | 69 | $22m | 24.0% |
| Franklin County | 84 | 59 | $15m | 16.4% |
| Kittitas County | 82 | 59 | $18m | 20.5% |
| Whatcom County | 85 | 54 | $14m | 22.5% |
| Yakima County | 62 | 36 | $9.4m | 30.8% |
| Thurston County | 62 | 36 | $10m | 27.8% |
| Klickitat County | 50 | 31 | $9.1m | 28.3% |
| Okanogan County | 50 | 30 | $4.6m | 24.4% |
| Cowlitz County | 45 | 30 | $10m | 18.9% |
| Lewis County | 46 | 29 | $7.8m | 26.8% |
| Walla Walla County | 33 | 23 | $4.9m | 23.3% |
| Mason County | 26 | 20 | $5.4m | — |
| Grays Harbor County | 31 | 19 | $3.4m | 25.9% |
| Skagit County | 28 | 18 | $6.0m | 30.8% |
| Grant County | 40 | 17 | $1.8m | 47.1% |
| Skamania County | 25 | 14 | $2.6m | 44.0% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Umpqua Bank originate in Washington in 2024?
1,859 loans totalling $634m, from 2,985 applications reported for properties in Washington.
What is Umpqua Bank's denial rate in Washington?
25.8% of decided applications in Washington were denied, against 21.3% 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 Washington counties does Umpqua Bank lend in most?
By originations: King County (429), Pierce County (266), Clark County (176), Snohomish County (130), Benton County (115).
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 Washington. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.