Umpqua Holdings Corp. operates as a bank holding company and provides banking and financial services. It engages in the business of commercial and retail banking and the delivery of retail brokerage services. The company operates in two segments: Community Banking and Home Lending. The Community Banking segment offers loan and deposit products to its business and retail customers in its primary market areas. The Home Lending segment operates as a division of the Bank, originates, sells and services residential mortgage loans. It offers loans, checking, overdraft services, debit cards, online banking and credit cards. The company was founded in March 1999 and is headquartered in Portland, OR.