Direct Lending Officer

Samuel Cho

About Samuel
NMLS# 461447

Samuel is your advocate for making homeownership an affordable reality. An expert in the full range of home loan products, he has been helping clients with new home purchases, cash-out refinances for debt consolidation, home improvements and rate reduction for 14 years. Samuel’s commitment to delivering world-class service has earned him the Sales Excellence Award multiple months in 2016 and 2017. He would be happy to discuss your financing goals in Korean or English — he speaks both.


Samuel’s passion for the great outdoors keeps him active year-round. During the summer, you’ll find him at the beach hiking, running, camping, floating or biking; and he loves to hit the slopes on his snowboard every winter. As a regular volunteer at the Oregon Food Bank and Habitat for Humanity, Samuel shares his good fortune with others.

What it’s like to work with Samuel
Samuel was amazing. It was our first experience refinancing and he explained every step, making it a smooth and simple process. He really went above and beyond. Thank you for making it so easy.
Garrett and Heather B.
Samuel was great to work with. He kept us informed each step of the way. The process went smoothly and we always knew what to expect. We would highly recommend Samuel Cho and Umpqua Bank to everyone.
Michael and Peggy B.
Samuel was extremely helpful, informative, and personable. I’ve worked with him twice now and recommend him often to others looking into home financing.
Catherine C.

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