Homestreet Bank Mortgage Rates, Fees & Info

Seattle, WA

LEI: 01KWVG908KE7RKPTNP46

Tax ID: 91-1299114

3.9 stars - Updated: 3/4/24 - out of 5 stars, based on 60 reviews

Latest/2022 | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

Homestreet Bank is a mid-sized bank specializing in Home Purchase and Refi loans. Homestreet Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Los Angeles, Seattle, Portland, Riverside, and Phoenix among others. We have data for 94 markets. (Some data included below & more in-depth data is available with an active subscription.)

Homestreet Bank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Homestreet Bank is typically a high fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
Home Equity Line of Credit (HELOC) 7.28% 3/4/24
30 Year Conventional Purchase 6.42% 3/4/24
30 Year Conventional Refi 6.45% 3/4/24
30 Year Cash-out Refi 6.61% 3/4/24
30 Year FHA Purchase 7.04% 3/4/24
30 Year FHA Refi 6.25% 3/4/24
30 Year VA Purchase 6.13% 3/4/24
30 Year VA Refi 6.23% 3/4/24
30 Year USDA Purchase 6.38% 3/4/24
15 Year Conventional Purchase 6.14% 3/4/24
15 Year Conventional Refi 6.20% 3/4/24
15 Year Cash-out Refi 6.20% 3/4/24
15 Year FHA Purchase 5.82% 3/4/24
15 Year VA Purchase 6.08% 3/4/24
15 Year VA Refi 5.71% 3/4/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Homestreet Bank Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Homestreet Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

3,607

Origination Dollar Volume (All Markets)

$3,387,745,000
Show all (9) awards

Relative Rate

Homestreet Bank's average 30 year fixed mortgage rate was 4.39%.

The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.

This yields a difference of -0.37%.

Relative Fees (Closing Costs)

Homestreet Bank's average total fees/closing costs for a 30 year fixed rate mortgage were $8,714.

The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 261 $852,805,000 $3,267,452 $11,297 4.75%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 1,508 $817,640,000 $542,202 $8,747 4.91%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 601 $461,945,000 $768,627 $8,303 4.73%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 68 $119,410,000 $1,756,029 $7,617 5.44%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 52 $87,750,000 $1,687,500 $7,067 4.66%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 29 $72,685,000 $2,506,379 $12,496 4.32%
BAKERSFIELD, CA (FHA|USDA|VA) 11 $61,225,000 $5,565,909 $7,076 5.02%
MEDFORD, OR (FHA|USDA|VA) 9 $56,195,000 $6,243,889 $4,291 4.05%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 104 $51,800,000 $498,077 $7,643 4.81%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 60 $50,960,000 $849,333 $6,635 5.22%
WENATCHEE, WA (FHA|USDA|VA) 58 $46,890,000 $808,448 $7,897 4.63%
Outside of Metro Areas 9 $45,235,000 $5,026,111 $6,900 5.23%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 3 $41,935,000 $13,978,333 $0 4.18%
LUBBOCK, TX (FHA|USDA|VA) 3 $38,505,000 $12,835,000 $0 4.37%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 105 $37,955,000 $361,476 $8,351 5.03%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 3 $33,065,000 $11,021,667 $0 4.05%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 91 $32,575,000 $357,967 $9,249 5.05%
CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $31,505,000 $31,505,000 $0 3.35%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 7 $30,015,000 $4,287,857 $0 5.33%
RENO, NV (FHA|USDA|VA) 2 $25,250,000 $12,625,000 $0 4.20%
COLORADO SPRINGS, CO (FHA|USDA|VA) 2 $24,770,000 $12,385,000 $0 3.68%
PROVO-OREM, UT (FHA|USDA|VA) 2 $19,830,000 $9,915,000 $0 4.45%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 9 $18,305,000 $2,033,889 $0 5.21%
BOISE CITY, ID (FHA|USDA|VA) 13 $17,975,000 $1,382,692 $11,394 4.47%
Newport, OR (FHA|USDA|VA) 7 $17,755,000 $2,536,429 $5,769 5.47%
Outside of Metro Areas 62 $17,490,000 $282,097 $7,224 4.77%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 5 $17,195,000 $3,439,000 $23,969 4.80%
LONGVIEW, WA (FHA|USDA|VA) 33 $16,955,000 $513,788 $6,333 4.47%
URBAN HONOLULU, HI (FHA|USDA|VA) 49 $15,835,000 $323,163 $13,791 4.14%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 15 $14,235,000 $949,000 $10,690 5.61%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 2 $13,010,000 $6,505,000 $0 4.33%
GREELEY, CO (FHA|USDA|VA) 2 $12,410,000 $6,205,000 $0 3.78%
SALEM, OR (FHA|USDA|VA) 33 $11,945,000 $361,970 $6,788 4.96%
Hermiston-Pendleton, OR (FHA|USDA|VA) 42 $10,880,000 $259,048 $8,498 4.77%
CHEYENNE, WY (FHA|USDA|VA) 1 $10,505,000 $10,505,000 $0 5.65%
Oak Harbor, WA (FHA|USDA|VA) 21 $9,405,000 $447,857 $6,304 5.08%
SALT LAKE CITY, UT (FHA|USDA|VA) 2 $9,110,000 $4,555,000 $4,476 4.14%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 2 $8,780,000 $4,390,000 $0 4.25%
Ellensburg, WA (FHA|USDA|VA) 12 $7,640,000 $636,667 $6,977 4.65%
KANSAS CITY, MO-KS (FHA|USDA|VA) 1 $7,505,000 $7,505,000 $0 4.70%
BEND, OR (FHA|USDA|VA) 15 $7,225,000 $481,667 $7,581 4.44%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 35 $6,855,000 $195,857 $7,763 4.96%
Shelton, WA (FHA|USDA|VA) 22 $6,630,000 $301,364 $8,431 4.56%
Hilo, HI (FHA|USDA|VA) 21 $6,525,000 $310,714 $8,574 4.24%
Aberdeen, WA (FHA|USDA|VA) 21 $5,835,000 $277,857 $9,361 5.64%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 2 $5,630,000 $2,815,000 $0 3.40%
KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 15 $5,615,000 $374,333 $11,200 4.32%
Astoria, OR (FHA|USDA|VA) 2 $4,800,000 $2,400,000 $0 4.49%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 4 $4,790,000 $1,197,500 $0 5.15%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 11 $4,735,000 $430,455 $7,496 4.63%
Centralia, WA (FHA|USDA|VA) 12 $4,110,000 $342,500 $9,311 4.31%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 18 $3,850,000 $213,889 $10,299 5.61%
BELLINGHAM, WA (FHA|USDA|VA) 13 $3,825,000 $294,231 $7,353 5.46%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 1 $3,805,000 $3,805,000 $0 3.40%
YAKIMA, WA (FHA|USDA|VA) 18 $3,500,000 $194,444 $7,084 4.84%
FRESNO, CA (FHA|USDA|VA) 4 $3,150,000 $787,500 $8,488 3.84%
SALINAS, CA (FHA|USDA|VA) 3 $2,785,000 $928,333 $13,484 4.63%
LOGAN, UT-ID (FHA|USDA|VA) 1 $2,755,000 $2,755,000 $0 5.98%
NAPA, CA (FHA|USDA|VA) 5 $2,025,000 $405,000 $13,520 4.73%
Kapaa, HI (FHA|USDA|VA) 6 $1,890,000 $315,000 $17,462 3.71%
STOCKTON, CA (FHA|USDA|VA) 8 $1,810,000 $226,250 $8,242 5.36%
GRANTS PASS, OR (FHA|USDA|VA) 1 $1,605,000 $1,605,000 $0 3.30%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 3 $1,565,000 $521,667 $4,634 4.08%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 2 $1,210,000 $605,000 $0 4.70%
Sandpoint, ID (FHA|USDA|VA) 2 $1,110,000 $555,000 $8,495 3.81%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 4 $1,090,000 $272,500 $4,874 4.53%
Brookings, OR (FHA|USDA|VA) 4 $1,060,000 $265,000 $6,644 3.53%
ANCHORAGE, AK (FHA|USDA|VA) 3 $965,000 $321,667 $6,546 4.29%
WALLA WALLA, WA (FHA|USDA|VA) 6 $870,000 $145,000 $4,608 4.88%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 2 $730,000 $365,000 $0 5.15%
VALLEJO, CA (FHA|USDA|VA) 5 $675,000 $135,000 $0 6.05%
Pullman, WA (FHA|USDA|VA) 2 $660,000 $330,000 $4,714 4.38%
Hood River, OR (FHA|USDA|VA) 1 $615,000 $615,000 $6,584 5.25%
Moses Lake, WA (FHA|USDA|VA) 2 $600,000 $300,000 $5,416 5.69%
CORVALLIS, OR (FHA|USDA|VA) 2 $590,000 $295,000 $4,778 3.31%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 2 $510,000 $255,000 $7,358 4.88%
ST. GEORGE, UT (FHA|USDA|VA) 1 $505,000 $505,000 $4,173 3.25%
TUCSON, AZ (FHA|USDA|VA) 3 $505,000 $168,333 $5,976 5.83%
Moscow, ID (FHA|USDA|VA) 1 $485,000 $485,000 $13,464 6.50%
Coos Bay, OR (FHA|USDA|VA) 3 $435,000 $145,000 $3,323 5.96%
Roseburg, OR (FHA|USDA|VA) 2 $430,000 $215,000 $4,124 4.38%
ALBANY-LEBANON, OR (FHA|USDA|VA) 3 $355,000 $118,333 $3,669 4.80%
Cedar City, UT (FHA|USDA|VA) 1 $295,000 $295,000 $14,063 6.13%
BOULDER, CO (FHA|USDA|VA) 1 $255,000 $255,000 $0 8.00%
CHICO, CA (FHA|USDA|VA) 2 $240,000 $120,000 $0 5.50%
YUMA, AZ (FHA|USDA|VA) 2 $240,000 $120,000 $4,177 3.63%
Mountain Home, ID (FHA|USDA|VA) 1 $225,000 $225,000 $9,080 7.25%
Klamath Falls, OR (FHA|USDA|VA) 2 $200,000 $100,000 $4,280 4.25%
Eureka-Arcata, CA (FHA|USDA|VA) 1 $185,000 $185,000 $6,922 5.50%
Ontario, OR-ID (FHA|USDA|VA) 2 $170,000 $85,000 $7,114 5.37%
Truckee-Grass Valley, CA (FHA|USDA|VA) 1 $155,000 $155,000 $6,514 3.00%
EL CENTRO, CA (FHA|USDA|VA) 1 $95,000 $95,000 $0 6.05%
The Dalles, OR (FHA|USDA|VA) 1 $55,000 $55,000 $0 6.14%
Port Angeles, WA (FHA|USDA|VA) 1 $35,000 $35,000 $0 9.84%
Homestreet Bank's top markets include Los Angeles, Seattle, Portland, Riverside, and Phoenix among others.

Their top states include:
  • Washington (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Oregon (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
  • Similar Lenders

    We use machine learning to identify the top lenders compared against HomeStreet Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,916 $2,973,700,000 $1,552,035 $7,616 4.37%
    HELOC 1,422 $308,700,000 $217,089 n/a 5.61%
    FHA 173 $59,645,000 $344,769 $14,157 4.16%
    VA 94 $44,880,000 $477,447 $14,587 4.26%
    USDA 2 $820,000 $410,000 $14,624 4.13%

    For 2022, Homestreet Bank's most frequently originated type of loan was Conventional, with 1,916 originations. Their 2nd most popular type was HELOC, with 1,422 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,456 $1,407,050,000 $966,380 $9,234 4.64%
    Cash Out Refi 715 $220,115,000 $307,853 $7,631 4.80%
    Home Improvement 660 $135,670,000 $205,561 $8,033 5.56%
    Other 390 $86,310,000 $221,308 $8,248 5.49%
    Refi 386 $1,538,600,000 $3,986,010 $6,114 3.84%

    For 2022, Homestreet Bank's most frequently cited loan purpose was Home Purchase, with 1,456 originations. The 2nd most popular reason was Cash Out Refi, with 715 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 2,018 $2,182,750,000 $1,081,640 $8,714 4.39%
    Other 1,434 $436,000,000 $304,045 $1,465 5.60%
    15 Year 117 $697,875,000 $5,964,744 $5,433 3.58%
    20 Year 23 $6,115,000 $265,870 $5,941 3.96%
    10 Year 12 $63,910,000 $5,325,833 $4,283 4.43%
    30+ year 3 $1,095,000 $365,000 $21,530 5.21%

    For 2022, Homestreet Bank's most frequently cited loan duration was 30 Year, with 2,018 originations. The 2nd most popular length was Other, with 1,434 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $5k+ 620 $372,230,000 $600,371
    $1k-2k 603 $396,695,000 $657,869
    $3k-4k 206 $84,740,000 $411,359
    $2k-3k 197 $74,085,000 $376,066
    $4k-5k 190 $84,620,000 $445,368
    $<1k 16 $4,050,000 $253,125

    Homestreet Bank's average total fees were $8,714, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 620 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 1,215 $1,048,725,000 $863,148
    3-4% 930 $1,623,800,000 $1,746,022
    5-6% 733 $514,245,000 $701,562
    6-7% 331 $87,225,000 $263,520
    7-8% 198 $39,780,000 $200,909
    2.5-3% 110 $59,980,000 $545,273
    Over 8% 64 $7,060,000 $110,313
    <2.5% 25 $6,805,000 $272,200
    % 1 $125,000 $125,000

    During 2022, Homestreet Bank's average interest rate for loans was 4.39%, while their most frequently originated rate bucket for loans was 4-5%, with 1,215 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 1,060 $311,220,000 $293,604 $7,732 4.80%
    $400k-600k 675 $327,845,000 $485,696 $8,725 4.68%
    $100k-200k 609 $86,215,000 $141,568 $5,466 5.33%
    $1MM+ 462 $2,316,810,000 $5,014,740 $10,514 4.09%
    $600k-1MM 429 $321,675,000 $749,825 $10,095 4.45%
    $100,000 or less 372 $23,980,000 $64,462 $3,736 5.90%

    2022 saw Homestreet Bank place emphasis on $200k-400k loans with 1,060 originations, totaling $311,220,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 879 $383,925,000 $436,775 $9,657 5.05%
    $100k-150k 843 $276,305,000 $327,764 $8,636 4.98%
    $250k+ 620 $459,190,000 $740,629 $9,275 4.88%
    $75k-100k 467 $122,765,000 $262,880 $7,566 4.81%
    $50k-75k 366 $80,050,000 $218,716 $7,666 4.76%
    $50k or less 124 $20,150,000 $162,500 $5,879 4.80%

    Homestreet Bank lent most frequently to those with incomes in the $150k-250k range, with 879 originations. The second most popular income band? $100k-150k, with 843 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 569 $224,695,000 $394,895 $8,216 4.91%
    20-30% 528 $210,690,000 $399,034 $7,402 4.66%
    44% 290 $108,910,000 $375,552 $9,623 5.38%
    43% 195 $77,415,000 $397,000 $8,895 5.23%
    42% 169 $70,755,000 $418,669 $9,427 5.05%
    41% 166 $72,270,000 $435,361 $7,935 4.92%
    40% 163 $66,585,000 $408,497 $8,022 5.26%
    39% 152 $60,060,000 $395,132 $8,518 4.99%
    45% 128 $49,650,000 $387,891 $9,164 4.96%
    38% 125 $54,275,000 $434,200 $7,622 4.93%
    <20% 124 $48,180,000 $388,548 $6,892 4.37%
    37% 119 $47,575,000 $399,790 $7,301 4.80%
    36% 115 $48,205,000 $419,174 $7,017 5.00%
    49% 114 $44,100,000 $386,842 $9,533 4.97%
    47% 104 $43,050,000 $413,942 $10,018 4.78%
    46% 101 $47,385,000 $469,158 $8,499 4.81%
    48% 95 $36,155,000 $380,579 $9,684 4.88%
    50-60% 89 $47,285,000 $531,292 $14,478 4.40%
    >60% 3 $1,725,000 $575,000 $35,065 5.92%

    Homestreet Bank lent most frequently to those with DTI ratios of 30-36%, with 569 originations. The next most common DTI ratio? 20-30%, with 528 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not applicable 250 $2,023,070,000 $8,092,280 $0 3.90%
    White 2,187 $854,225,000 $390,592 $8,482 4.96%
    Not provided 666 $308,270,000 $462,868 $7,737 4.83%
    Asian 274 $125,600,000 $458,394 $8,851 4.96%
    Black 104 $36,680,000 $352,692 $10,477 4.97%
    Native Hawaiian or Islander 65 $20,185,000 $310,538 $13,335 4.04%
    American Indian 35 $10,855,000 $310,143 $7,795 4.95%
    Asian Indian 10 $5,150,000 $515,000 $9,688 4.57%
    Filipino 9 $2,015,000 $223,889 $11,324 5.64%
    Native Hawaiian 2 $600,000 $300,000 $16,710 5.13%
    Chinese 2 $380,000 $190,000 $7,104 3.50%
    Japanese 1 $255,000 $255,000 $0 6.50%
    1 $255,000 $255,000 $0 4.44%
    Other Pacific Islander 1 $205,000 $205,000 $0 6.12%

    Approval Rates

    Total approvals of all applications
    88.53%

    Homestreet Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    81.92%

    Homestreet Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 3,607 $3,387,745,000 $939,214

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    3,607 $3,387,745,000 $939,214

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 769 $274,975,000 $357,575 $5,355 5.21%
    40-60% 507 $925,495,000 $1,825,434 $6,533 4.32%
    60-80% 871 $1,659,615,000 $1,905,413 $8,560 4.37%
    80-100% 749 $425,465,000 $568,044 $9,675 4.59%
    Over 100% 16 $9,170,000 $573,125 $26,039 4.77%
    Under 20% 689 $91,895,000 $133,374 $5,535 5.74%