Umpqua Holdings Corporation engages in the commercial and retail banking, and retail brokerage businesses. It operates through Community Banking and Home Lending segments. The Community Banking segment provides loan and deposit products to business and retail customers. The Home Lending segment originates, sells, and services residential mortgage loans. It also offers various deposit products, financial planning, trust, and investments services to high net worth individuals, and retail brokerage and investment advisory services. The Company's loan products include loans for business and commercial customers. In addition, it provides technology-based services, including remote deposit capture, online banking, bill pay and treasury, mobile banking, voice response banking, automatic payroll deposit programs, ATMs, product kiosks, and Website.