PlainLender

UMPQUA BANK

PORTLAND, OR

UMPQUA BANK processed 8,064 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 4,989 loans with a 20.1% denial rate. Home Purchase was the primary loan purpose. Based in PORTLAND, OR. The approval rate of 61.9% reflects originated loans as a share of all applications. Below you will find a breakdown by loan type, loan purpose, denial reasons, and demographic lending patterns as required by the Home Mortgage Disclosure Act.

Portfolio scale. UMPQUA BANK processed 8,064 HMDA-reported mortgage applications in 2024, originating 4,989 loans and denying 1,617 for a denial rate of 20.1% (applicants themselves withdrew 690 files before a decision). The average loan amount was $328,053 at a 8.054% average note rate, and applicants self-reported an average income of $37,000. The lender reports under LEI IFQSIUC9AGQV2NE8CN25 from PORTLAND, OR.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% — HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. UMPQUA BANK's 61.9% origination rate tells you how often an application turned into funded money; the 20.1% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Debt-to-income ratio, Credit history, Collateral, which together explain the majority of rejections. Most activity concentrated in Conventional loans (7,699 applications).

How to read this page. These figures are aggregate HMDA disclosures — they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting — it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

8,064
Applications
4,989
Originated
20.1%
Denial Rate
$328,053
Avg Loan Amount
Avg Interest Rate: 8.054% Avg Applicant Income: $37,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 7,699 4,782 1,580 $326,346
FHA 225 124 26 $337,844
VA 124 73 9 $427,016
USDA 16 10 2 $245,000

Top loan types — UMPQUA BANK

Top loan types — UMPQUA BANK Horizontal bar chart of the top 4 items by value (applications). Top loan types — UMPQUA BANK Top 4 1. Conventional 7,699 2. FHA 225 3. VA 124 4. USDA 16 Top 5 loan types by application volume at UMPQUA BANK (HMDA 2023). Source: CFPB HMDA loan/application register.

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for UMPQUA BANK (LEI: IFQSIUC9AGQV2NE8CN25) · 2023 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Debt-to-income ratio
1,015
Credit history
552
Collateral
372
Other
144
Unverifiable information
67
Employment history
56
Insufficient cash
5
Credit application incomplete
4

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 2,443 1,706 $496,400
Home Improvement 2,289 1,388 $181,007
Other 1,628 886 $220,246
Refinancing 1,312 819 $388,323
Cash-out Refinancing 392 190 $383,546

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 5,757 63.4% 19.8%
Asian 350 57.4% 26.6%
Joint 197 65.0% 21.8%
Black or African American 93 38.7% 29.0%
American Indian or Alaska Native 60 55.0% 33.3%
Native Hawaiian or Other Pacific Islander 35 65.7% 25.7%
2 or more minority races 18 55.6% 38.9%

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 5,661 63.3% 19.8%
Hispanic or Latino 583 56.8% 24.9%
Joint 175 64.6% 25.1%

Nearby Lenders in OR

Other HMDA-reporting lenders in OR with similar activity. Compare any two side-by-side.

OnPoint Community Credit Union

Portland, OR

10,400 apps 7,152 originated 17.4% denied

First Technology Credit Union

Beaverton, OR

6,270 apps 3,364 originated 14.7% denied

ROGUE CREDIT UNION

MEDFORD, OR

2,752 apps 1,802 originated 12.1% denied

SELCO COMMUNITY CREDIT UNION

SPRINGFIELD, OR

2,086 apps 1,226 originated 27.1% denied

OREGON COMMUNITY CREDIT UNION

Eugene, OR

2,016 apps 1,374 originated 16.3% denied
Compare UMPQUA BANK vs OnPoint Community Credit Union →

Mortgage Lending Guides

Why Mortgages Get Denied
Common denial reasons and how to improve your chances
Comparing Mortgage Lenders
What to look for when choosing a mortgage lender
Getting the Best Mortgage Rate
Strategies for securing the lowest interest rate
Understanding HMDA Data
How to read and interpret mortgage disclosure data
Denial Rates by Demographics
Demographic patterns in mortgage approval and denial

Explore More Data

Bank Financial Data → Credit Union Data → Financial Advisor Lookup → Home Insurance Costs → Property Tax Data → Rent Price Data →

Frequently Asked Questions

How many mortgage applications did UMPQUA BANK process?
UMPQUA BANK processed 8,064 mortgage applications in the 2023 HMDA reporting year. Of these, 4,989 were originated (approved and funded), 690 were withdrawn by the applicant, and 1,617 were denied.
What is UMPQUA BANK's mortgage approval rate?
UMPQUA BANK has an approval (origination) rate of 61.9%, meaning 61.9% of all applications resulted in a funded mortgage. The denial rate is 20.1%.
What is the average loan amount at UMPQUA BANK?
The average mortgage loan amount at UMPQUA BANK is $328,053. The average interest rate is 8.054%. The average applicant income is $37,000.
What are the most common reasons for mortgage denial at UMPQUA BANK?
The most common reasons for mortgage denial at UMPQUA BANK are: Debt-to-income ratio, Credit history, Collateral. In total, 1,617 applications were denied out of 8,064 total applications.
What types of mortgage loans does UMPQUA BANK offer?
UMPQUA BANK processes Conventional, FHA, VA, USDA loans. The most common type is Conventional with 7,699 applications and an average loan amount of $326,346.
What loan purposes does UMPQUA BANK serve?
UMPQUA BANK serves the following loan purposes: Home Purchase (2,443 applications), Home Improvement (2,289 applications), Other (1,628 applications), Refinancing (1,312 applications), Cash-out Refinancing (392 applications). Home Purchase is the most common purpose.
Where is UMPQUA BANK located?
UMPQUA BANK is headquartered in PORTLAND, OR. The lender is identified by LEI IFQSIUC9AGQV2NE8CN25 in HMDA data.
How does UMPQUA BANK compare in lending across racial demographics?
UMPQUA BANK reports demographic lending data under HMDA requirements. White applicants have an approval rate of 63.4% and denial rate of 19.8%; Asian applicants have an approval rate of 57.4% and denial rate of 26.6%; Joint applicants have an approval rate of 65.0% and denial rate of 21.8%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology — how this data is sourced, computed, and verified.