Umpqua Bank
4,843 mortgages originated in 2025 across 4 states, and what they cost borrowers.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 4,843
- Median rate
- 7.750%
- Median lender fees
- $5,807
- Median loan amount
- $245,000
- Median spread over APOR
- 1.150
- Paid discount points
- 25.6%
- Received lender credits
- 11.6%
- Purchases / refinances
- 38.4% / 23.4%
- Conventional / FHA / VA
- 95.5% / 2.6% / 1.8%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 40.6% of loans here — see methodology.
Where Umpqua Bank lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| Oregon | 1,939 | $5,349 | 7.500% |
| Washington | 1,846 | $5,969 | 7.900% |
| California | 703 | $6,188 | 8.000% |
| Idaho | 258 | $6,346 | 8.000% |