UMPQUA BANK
PPP Lender · 36,541 loans · $4.66B total · 45 states served
UMPQUA BANK was one of the thousands of SBA-approved lenders that participated in the Paycheck Protection Program. During the program period (April 2020 – May 2021), the lender originated 36,541 PPP loans totaling $4.66B, representing approximately 0.32% of all loans nationwide.
UMPQUA BANK served borrowers across 45 states. The largest concentration of activity was in Oregon, where the lender originated 14,511 loans totaling $1.69B. Other states with significant activity included Washington, California, Idaho.
The average loan size for this lender was $127,562. This figure reflects the mix of borrower types — large companies, small businesses, sole proprietors, and non-profits — that applied through this institution. Lenders were responsible for collecting and verifying borrower certifications and submitting loan applications to the SBA's E-Tran system.
Among the largest named borrowers that received loans through UMPQUA BANK were: EPSILON SYSTEMS SOLUTIONS INC (CA) — $10,000,000; CHARTER MECHANICAL CONTRACTORS, INC. (OR) — $9,938,951; RIVER SPRINGS CHARTER SCHOOL (CA) — $9,842,281; and OSF INTERNATIONAL, INC. (OR) — $9,232,800.
PPP lenders were compensated through processing fees paid by the SBA rather than by borrowers. Fees ranged from 1% to 5% of the loan amount depending on loan size. Lenders were not required to take credit risk — the SBA provided a 100% guaranty on each loan. This structure incentivized broad participation but also contributed to documented cases of lender fraud and over-processing of applications.
Borrower names for loans under $150,000 are withheld under FOIA Exemption 6. As a result, the named recipients shown below represent only a fraction of this lender's total portfolio. The full loan count and amount figures include all loans in the SBA's data regardless of disclosure status.
Activity by State
| State | Loans | Total Approved | Forgiveness Rate |
|---|---|---|---|
| Oregon | 14,511 | $1.69B | 98.4% |
| Washington | 10,828 | $1.42B | 98.2% |
| California | 9,049 | $1.28B | 97.6% |
| Idaho | 1,083 | $114.1M | 98.9% |
| Nevada | 594 | $79.8M | 98.1% |
| Texas | 138 | $15.2M | 98.6% |
| Arizona | 52 | $7.2M | 100.0% |
| Alaska | 33 | $10.4M | 100.0% |
| Colorado | 31 | $4.9M | 100.0% |
| Florida | 22 | $6.7M | 90.9% |
| Georgia | 19 | $2.0M | 100.0% |
| Montana | 17 | $1.5M | 100.0% |
| Utah | 14 | $1.6M | 92.9% |
| New Mexico | 14 | $2.9M | 100.0% |
| Virginia | 10 | $2.2M | 100.0% |
| Hawaii | 10 | $490,200 | 100.0% |
| Tennessee | 8 | $284,609 | 100.0% |
| South Carolina | 8 | $588,199 | 100.0% |
| New York | 8 | $1.8M | 100.0% |
| North Carolina | 8 | $355,798 | 100.0% |
| New Jersey | 7 | $2.2M | 85.7% |
| Maryland | 7 | $5.4M | 100.0% |
| Illinois | 7 | $2.4M | 85.7% |
| Wyoming | 6 | $143,486 | 100.0% |
| Michigan | 6 | $478,661 | 100.0% |
| Wisconsin | 5 | $1.7M | 100.0% |
| New Hampshire | 5 | $505,178 | 100.0% |
| Minnesota | 5 | $450,573 | 100.0% |
| Kansas | 5 | $765,769 | 100.0% |
| Pennsylvania | 4 | $188,663 | 100.0% |
| Ohio | 4 | $2.5M | 100.0% |
| Missouri | 3 | $117,889 | 100.0% |
| Indiana | 3 | $3.6M | 100.0% |
| Rhode Island | 2 | $58,561 | 100.0% |
| Oklahoma | 2 | $617,780 | 100.0% |
| Massachusetts | 2 | $233,623 | 100.0% |
| Connecticut | 2 | $89,620 | 100.0% |
| Alabama | 2 | $23,300 | 100.0% |
| South Dakota | 1 | $12,500 | 100.0% |
| Nebraska | 1 | $73,300 | 100.0% |
| North Dakota | 1 | $11,077 | 100.0% |
| Maine | 1 | $10,500 | 100.0% |
| Iowa | 1 | $16,100 | 100.0% |
| District of Columbia | 1 | $20,833 | 100.0% |
| Arkansas | 1 | $93,900 | 100.0% |