Umpqua Bank Overview

Lender Summary

Umpqua Bank is a regional lender serving consumers in 5 states and provinces. Umpqua Bank offers a broad range of product offerings including conventional fixed mortgages in 15, and 30 year terms. Umpqua Bank also offers FHA mortgages to accomodate borrowers with lower credit scores as well as low down payments (to find out more about the low down on FHA Mortgages click HERE).

States Served

Umpqua Bank is a regional lender serving customers in the following states: Oregon, Washington, California, Nevada, Idaho.

Lender Fees

Lender fees include processing, underwriting, application, and origination charges. Unlike processing, underwriting, and application fees, an origination fee is based off a percentage of the loan amount similar to a discount point. Umpqua Bank has the following FIXED charges for each loan originated: processing - $0, underwriting - $0, application - $0. Umpqua Bank does not charge an origination fee.