Umpqua Bank Mortgage Lending & HMDA Data, 2010
In 2010, Umpqua Bank of Portland, OR reported 5,702 mortgage applications totaling $1.2 billion, up 7% from 2009. The average application was for $217,592, and applicants reported an average income of $107,315. 69% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Portland-Vancouver-Hillsboro, OR-WA (1,375), Eugene-Springfield, OR (426) and Sacramento--Arden-Arcade--Roseville, CA (425) (applications in parentheses).
| Mortgage Company & Address | Umpqua Bank One Sw Columbia Street, Suite 1050 Portland, OR 97258 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 5,702 |
| Total Mortgage Loan Application Amount | $1,240,714,000 |
| Average Mortgage Loan Application Amount | $217,592 |
| Highest Mortgage Loan Application Amount | $8,800,000 |
| Average Applicant Income | $107,315 |
| Highest Applicant Income | $7,710,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Umpqua Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Multnomah, Oregon | 594 | $ 142,566,000 | $ 240,010 | $ 137,000 |
| Douglas, Oregon | 437 | $ 72,736,000 | $ 166,443 | $ 74,000 |
| Lane, Oregon | 426 | $ 80,771,000 | $ 189,603 | $ 98,000 |
| Clark, Washington | 288 | $ 63,947,000 | $ 222,038 | $ 137,000 |
| Washington, Oregon | 239 | $ 59,106,000 | $ 247,305 | $ 104,000 |
| Humboldt, California | 231 | $ 46,090,000 | $ 199,523 | $ 89,000 |
| Clackamas, Oregon | 216 | $ 55,973,000 | $ 259,134 | $ 136,000 |
| Sacramento, California | 215 | $ 57,587,000 | $ 267,846 | $ 94,000 |
| Pierce, Washington | 212 | $ 38,508,000 | $ 181,641 | $ 86,000 |
| Deschutes, Oregon | 199 | $ 45,589,000 | $ 229,090 | $ 139,000 |
| Coos, Oregon | 183 | $ 30,751,000 | $ 168,038 | $ 82,000 |
| Linn, Oregon | 156 | $ 25,664,000 | $ 164,512 | $ 75,000 |
| Jackson, Oregon | 149 | $ 27,151,000 | $ 182,221 | $ 100,000 |
| Marion, Oregon | 112 | $ 21,094,000 | $ 188,339 | $ 101,000 |
| Benton, Oregon | 109 | $ 22,642,000 | $ 207,724 | $ 115,000 |
| Placer, California | 102 | $ 29,315,000 | $ 287,401 | $ 115,000 |
| Lincoln, Oregon | 93 | $ 17,607,000 | $ 189,322 | $ 75,000 |
| King, Washington | 93 | $ 32,185,000 | $ 346,075 | $ 134,000 |
| Josephine, Oregon | 86 | $ 12,999,000 | $ 151,151 | $ 64,000 |
| Umatilla, Oregon | 80 | $ 12,114,000 | $ 151,425 | $ 75,000 |
| Cowlitz, Washington | 80 | $ 13,894,000 | $ 173,675 | $ 71,000 |
| El Dorado, California | 75 | $ 20,239,000 | $ 269,853 | $ 92,000 |
| Butte, California | 72 | $ 13,649,000 | $ 189,569 | $ 89,000 |
| Shasta, California | 61 | $ 13,044,000 | $ 213,836 | $ 119,000 |
| Sonoma, California | 59 | $ 16,135,000 | $ 273,474 | $ 140,000 |
| Tehama, California | 59 | $ 10,684,000 | $ 181,084 | $ 94,000 |
| Napa, California | 58 | $ 20,756,000 | $ 357,862 | $ 220,000 |
| Tuolumne, California | 57 | $ 10,471,000 | $ 183,701 | $ 87,000 |
| Calaveras, California | 54 | $ 13,104,000 | $ 242,666 | $ 109,000 |
| Solano, California | 40 | $ 7,564,000 | $ 189,100 | $ 128,000 |
| Lake, California | 39 | $ 8,607,000 | $ 220,692 | $ 90,000 |
| Curry, Oregon | 38 | $ 7,076,000 | $ 186,210 | $ 102,000 |
| San Joaquin, California | 37 | $ 8,112,000 | $ 219,243 | $ 110,000 |
| Glenn, California | 36 | $ 5,718,000 | $ 158,833 | $ 68,000 |
| Snohomish, Washington | 36 | $ 7,482,000 | $ 207,833 | $ 112,000 |
| Sutter, California | 34 | $ 6,493,000 | $ 190,970 | $ 98,000 |
| Yolo, California | 33 | $ 6,372,000 | $ 193,090 | $ 139,000 |
| Mendocino, California | 22 | $ 7,136,000 | $ 324,363 | $ 185,000 |
| Stanislaus, California | 22 | $ 5,171,000 | $ 235,045 | $ 108,000 |
| Trinity, California | 22 | $ 3,877,000 | $ 176,227 | $ 69,000 |
| Klamath, Oregon | 22 | $ 2,997,000 | $ 136,227 | $ 88,000 |
| Polk, Oregon | 21 | $ 4,435,000 | $ 211,190 | $ 104,000 |
| Yamhill, Oregon | 21 | $ 11,259,000 | $ 536,142 | $ 88,000 |
| Colusa, California | 19 | $ 2,840,000 | $ 149,473 | $ 143,000 |
| Clatsop, Oregon | 18 | $ 5,764,000 | $ 320,222 | $ 276,000 |
| Yuba, California | 17 | $ 2,689,000 | $ 158,176 | $ 70,000 |
| Washoe, Nevada | 17 | $ 4,017,000 | $ 236,294 | $ 153,000 |
| Tillamook, Oregon | 15 | $ 2,869,000 | $ 191,266 | $ 143,000 |
| Columbia, Oregon | 14 | $ 2,565,000 | $ 183,214 | $ 81,000 |
| Contra Costa, California | 13 | $ 3,290,000 | $ 253,076 | $ 99,000 |
| Hood River, Oregon | 13 | $ 3,708,000 | $ 285,230 | $ 124,000 |
| Los Angeles, California | 12 | $ 4,016,000 | $ 334,666 | $ 116,000 |
| Nevada, California | 12 | $ 5,008,000 | $ 417,333 | $ 189,000 |
| Maricopa, Arizona | 11 | $ 1,762,000 | $ 160,181 | $ 300,000 |
| Riverside, California | 11 | $ 3,679,000 | $ 334,454 | $ 231,000 |
| Alameda, California | 10 | $ 3,811,000 | $ 381,100 | $ 103,000 |
| Union, Oregon | 10 | $ 1,304,000 | $ 130,400 | $ 55,000 |
| Spokane, Washington | 10 | $ 5,195,000 | $ 519,500 | $ 47,000 |
| Crook, Oregon | 9 | $ 2,094,000 | $ 232,666 | $ 165,000 |
| Del Norte, California | 8 | $ 1,375,000 | $ 171,875 | $ 90,000 |
| San Diego, California | 8 | $ 2,443,000 | $ 305,375 | $ 176,000 |
| Kitsap, Washington | 8 | $ 5,315,000 | $ 664,375 | $ 98,000 |
| Plumas, California | 7 | $ 1,879,000 | $ 268,428 | $ 147,000 |
| Ventura, California | 7 | $ 1,983,000 | $ 283,285 | $ 166,000 |
| Klickitat, Washington | 7 | $ 1,394,000 | $ 199,142 | $ 123,000 |
| Thurston, Washington | 7 | $ 1,572,000 | $ 224,571 | $ 113,000 |
| Amador, California | 6 | $ 1,021,000 | $ 170,166 | $ 102,000 |
| Marin, California | 6 | $ 2,837,000 | $ 472,833 | $ 155,000 |
| Santa Clara, California | 6 | $ 1,912,000 | $ 318,666 | $ 95,000 |
| Jefferson, Oregon | 6 | $ 1,202,000 | $ 200,333 | $ 71,000 |
| Wasco, Oregon | 6 | $ 1,328,000 | $ 221,333 | $ 142,000 |
| Orange, California | 4 | $ 1,239,000 | $ 309,750 | $ 125,000 |
| San Francisco, California | 4 | $ 1,452,000 | $ 363,000 | $ 168,000 |
| San Mateo, California | 4 | $ 2,572,000 | $ 643,000 | $ 206,000 |
| Clark, Nevada | 4 | $ 482,000 | $ 120,500 | $ 116,000 |
| Fresno, California | 3 | $ 567,000 | $ 189,000 | $ 80,000 |
| Merced, California | 3 | $ 832,000 | $ 277,333 | $ 76,000 |
| San Luis Obispo, California | 3 | $ 657,000 | $ 219,000 | $ 113,000 |
| Ada, Idaho | 3 | $ 593,000 | $ 197,666 | $ 86,000 |
| Morrow, Oregon | 3 | $ 384,000 | $ 128,000 | $ 73,000 |
| Grant, Washington | 3 | $ 1,053,000 | $ 351,000 | $ 140,000 |
| Lewis, Washington | 3 | $ 537,000 | $ 179,000 | $ 180,000 |
| Mason, Washington | 3 | $ 722,000 | $ 240,666 | $ 86,000 |
| Skamania, Washington | 3 | $ 669,000 | $ 223,000 | $ 234,000 |
| Wahkiakum, Washington | 3 | $ 896,000 | $ 298,666 | $ 101,000 |
| Walla Walla, Washington | 3 | $ 700,000 | $ 233,333 | $ 114,000 |
| Monterey, California | 2 | $ 763,000 | $ 381,500 | $ 137,000 |
| San Bernardino, California | 2 | $ 289,000 | $ 144,500 | $ 68,000 |
| Santa Barbara, California | 2 | $ 832,000 | $ 416,000 | $ 174,000 |
| Santa Cruz, California | 2 | $ 745,000 | $ 372,500 | $ 123,000 |
| Hawaii, Hawaii | 2 | $ 543,000 | $ 271,500 | $ 145,000 |
| Grant, Oregon | 2 | $ 304,000 | $ 152,000 | $ 57,000 |
| Clallam, Washington | 2 | $ 259,000 | $ 129,500 | $ 48,000 |
| Island, Washington | 2 | $ 416,000 | $ 208,000 | $ 90,000 |
| Jefferson, Washington | 2 | $ 395,000 | $ 197,500 | $ 164,000 |
| Kittitas, Washington | 2 | $ 588,000 | $ 294,000 | $ 102,000 |
| Pacific, Washington | 2 | $ 322,000 | $ 161,000 | $ 54,000 |
| Skagit, Washington | 2 | $ 561,000 | $ 280,500 | $ 72,000 |
| Whatcom, Washington | 2 | $ 460,000 | $ 230,000 | $ 69,000 |
| Yakima, Washington | 2 | $ 278,000 | $ 139,000 | $ 51,000 |
| Mohave, Arizona | 1 | $ 35,000 | $ 35,000 | $ 69,000 |
| Pima, Arizona | 1 | $ 100,000 | $ 100,000 | $ 86,000 |
| Kern, California | 1 | $ 60,000 | $ 60,000 | $ 131,000 |
| Kings, California | 1 | $ 118,000 | $ 118,000 | $ 52,000 |
| Lassen, California | 1 | $ 187,000 | $ 187,000 | $ 243,000 |
| Madera, California | 1 | $ 114,000 | $ 114,000 | $ 113,000 |
| Mono, California | 1 | $ 391,000 | $ 391,000 | $ 132,000 |
| Siskiyou, California | 1 | $ 208,000 | $ 208,000 | $ 40,000 |
| Archuleta, Colorado | 1 | $ 390,000 | $ 390,000 | $ 175,000 |
| Denver, Colorado | 1 | $ 280,000 | $ 280,000 | $ 197,000 |
| El Paso, Colorado | 1 | $ 170,000 | $ 170,000 | $ 100,000 |
| Kauai, Hawaii | 1 | $ 2,441,000 | $ 2,441,000 | $ 1,320,000 |
| Blaine, Idaho | 1 | $ 644,000 | $ 644,000 | $ 408,000 |
| Washington, Idaho | 1 | $ 71,000 | $ 71,000 | $ 41,000 |
| Chouteau, Montana | 1 | $ 80,000 | $ 80,000 | $ 60,000 |
| Carson City, Nevada | 1 | $ 50,000 | $ 50,000 | $ 40,000 |
| Elko, Nevada | 1 | $ 258,000 | $ 258,000 | $ 103,000 |
| Lyon, Nevada | 1 | $ 105,000 | $ 105,000 | $ 121,000 |
| Bernalillo, New Mexico | 1 | $ 96,000 | $ 96,000 | $ 43,000 |
| Baker, Oregon | 1 | $ 215,000 | $ 215,000 | $ 55,000 |
| Lake, Oregon | 1 | $ 115,000 | $ 115,000 | $ 29,000 |
| Wallowa, Oregon | 1 | $ 107,000 | $ 107,000 | $ 29,000 |
| Adams, Washington | 1 | $ 104,000 | $ 104,000 | $ 43,000 |
| Benton, Washington | 1 | $ 84,000 | $ 84,000 | $ 54,000 |
| Grays Harbor, Washington | 1 | $ 186,000 | $ 186,000 | $ 21,000 |
| Lincoln, Washington | 1 | $ 58,000 | $ 58,000 | $ 14,000 |
| San Juan, Washington | 1 | $ 93,000 | $ 93,000 | $ 41,000 |
| Stevens, Washington | 1 | $ 108,000 | $ 108,000 | $ 54,000 |
Mortgage Loan Application Detail Totals for Umpqua Bank in 2010
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 3,703 | $822,519,000 | $222,000 | $8,800,000 | $111,000 | $7,710,000 |
| Home Purchase | 1,826 | $410,829,000 | $224,000 | $6,645,000 | $103,000 | $3,559,000 |
| Home Improvement | 173 | $7,366,000 | $42,000 | $2,025,000 | $74,000 | $682,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 4,419 | $912,694,000 | $206,000 | $3,750,000 | $103,000 | $3,559,000 |
| Not Provided | 778 | $187,094,000 | $240,000 | $2,600,000 | $146,000 | $7,710,000 |
| Asian | 183 | $44,923,000 | $245,000 | $880,000 | $136,000 | $1,083,000 |
| Hispanic | 165 | $34,365,000 | $208,000 | $1,110,000 | $78,000 | $713,000 |
| Not applicable | 73 | $45,707,000 | $626,000 | $8,800,000 | $0 | $0 |
| American Indian or Alaskan Native | 32 | $5,884,000 | $183,000 | $532,000 | $78,000 | $281,000 |
| Black or African American | 31 | $5,868,000 | $189,000 | $460,000 | $70,000 | $147,000 |
| Native Hawaiian or Other Pacific Islander | 21 | $4,179,000 | $199,000 | $611,000 | $72,000 | $135,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 4,968 | $1,099,043,000 | $221,000 | $8,800,000 | $114,000 | $7,710,000 |
| FHA-insured (Federal Housing Administration) | 548 | $110,252,000 | $201,000 | $507,000 | $68,000 | $239,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 120 | $17,833,000 | $148,000 | $275,000 | $42,000 | $99,000 |
| VA-guaranteed (Veterans Administration) | 66 | $13,586,000 | $205,000 | $519,000 | $70,000 | $251,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 3,911 | $847,137,000 | $216,000 | $8,800,000 | $110,000 | $7,710,000 |
| Application Denied By Financial Institution | 914 | $196,791,000 | $215,000 | $2,000,000 | $89,000 | $1,535,000 |
| Application Withdrawn By Applicant | 576 | $126,415,000 | $219,000 | $1,800,000 | $113,000 | $1,452,000 |
| File Closed For Incompleteness | 195 | $48,372,000 | $248,000 | $1,358,000 | $140,000 | $1,686,000 |
| Preapproval Denied by Financial Institution | 86 | $16,194,000 | $188,000 | $568,000 | $62,000 | $381,000 |
| Application Approved But Not Accepted | 20 | $5,805,000 | $290,000 | $2,025,000 | $68,000 | $327,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Umpqua Bank's 2010 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Umpqua Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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