Umpqua Bank is an FDIC insured institution located in Roseburg, OR. It was founded in 1953 and has approximately $27.51 billion in assets. Compared to other banks in Oregon, Umpqua Bank has a significantly higher percent of Multifamily Mortgages, Consumer Auto Loans on its balance sheet.Current auto loan rates for 2020. Auto loans are secured loans that help borrowers pay for a new or used car. They are available from dealerships and a variety of lenders, so it’s important to shop around in order to find the best interest rates and terms for your vehicle.Umpqua Bank offers fixed and adjustable-rate home loans. Available for first-time home buyers, construction and renovation, Jumbo loans, VA Umpqua Bank – Advantages & Disadvantages. Pros: Full-service bank, with checking, savings, loans, credit cards, investments, and more.