Direct Lending Officer

Stephen Baker

About Stephen
NMLS# 432353

Stephen brings 15 years of mortgage industry experience to clients seeking conventional, construction/renovation, jumbo, veterans and USDA loans. He also specializes in working with first-time homebuyers and self-employed buyers with complex tax returns. In recognition of his client advocacy, Stephen has been named to the Leaders Club and the Construction Elite. He has also been featured in People on the Move in the Portland Business Journal.


Stephen adores the Pacific Northwest, wakeboarding on the lakes, and snowboarding in the mountains. He also enjoys playing music, seeing shows and simply relaxing at home with his family in Tigard, Oregon. He’s a volunteer at his children’s schools and with Habitat for Humanity.

What it’s like to work with Stephen
Stephen was very knowledgeable, responsive, and always took the time to listen and respond to all questions or concerns. He provided clear and concise information helping us to navigate the decision on which product was best for our needs. He and his team were always available and willing to help.
Patience and Chad C.
Stephen truly cared about our project and helping us get the loan for our house. He was prompt, personable, and built a strong positive relationship with us. Umpqua Bank is small enough to provide personal, exceptional service, and at the same time expert enough to manage even convoluted construction loans.
Janet H.
We couldn’t have had a better experience. Stephen was unbelievably supportive, kind, helpful, and effective. He took so much of the stress and anxiety out of the process for us, answered every question, and went above and beyond in every way.
Jericha S. and Dexter L.

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