EXHIBIT 23.1

CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

We consent to the incorporation by reference in Registration Statement Nos.
333-105637, 333-101357, 333-77259, and 333-58978 on Form S-8 of our reports
dated March 31, 2005, relating to the financial statements of Umpqua Holdings
Corporation and management's report on the effectiveness of internal control
over financial reporting, appearing in this Annual Report on Form 10-K of Umpqua
Holdings Corporation for the year ended December 31, 2004.

/s/ DELOITTE & TOUCHE LLP

Portland, Oregon
March 31, 2005