Homestreet Bank Mortgage Rates, Fees & Info

Seattle, WA

LEI: 01KWVG908KE7RKPTNP46

Tax ID: 91-1299114

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Review & Overview

Homestreet Bank is a mid-sized bank specializing in Home Purchase loans. Homestreet Bank has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Seattle, Los Angeles, Portland, San Diego, and Sacramento among others. We have data for 125 markets. (Some data included below & more in-depth data is available with an active subscription.)

Homestreet Bank has an above 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 an average 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%	4/30/24
30 Year Conventional Purchase	6.42%	4/30/24
30 Year Conventional Refi	6.45%	4/30/24
30 Year Cash-out Refi	6.61%	4/30/24
30 Year FHA Purchase	7.04%	4/30/24
30 Year FHA Refi	6.25%	4/30/24
30 Year VA Purchase	6.13%	4/30/24
30 Year VA Refi	6.23%	4/30/24
30 Year USDA Purchase	6.38%	4/30/24
15 Year Conventional Purchase	6.14%	4/30/24
15 Year Conventional Refi	6.20%	4/30/24
15 Year Cash-out Refi	6.20%	4/30/24
15 Year FHA Purchase	5.82%	4/30/24
15 Year VA Purchase	6.08%	4/30/24
15 Year VA Refi	5.71%	4/30/24
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

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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

19,413

Origination Dollar Volume (All Markets)

$7,382,575,000

Employee count

2,004

Awards

HomeStreet Bank 30 Year Conventional Loans silver

HomeStreet Bank 30 Year Conventional Loans gold

Show all (25) awards

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
Seattle-Tacoma-Bellevue, WA (FHA\|USDA\|VA)	5,770	$2,365,520,000	$409,969	$6,605	4.99%
Los Angeles-Long Beach-Anaheim, CA (FHA\|USDA\|VA)	1,122	$872,910,000	$777,995	$7,361	5.21%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA\|USDA\|VA)	2,378	$736,130,000	$309,558	$6,143	4.99%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA\|USDA\|VA)	498	$251,920,000	$505,863	$7,313	5.02%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA\|USDA\|VA)	629	$225,365,000	$358,291	$6,400	5.02%
SPOKANE-SPOKANE VALLEY, WA (FHA\|USDA\|VA)	821	$218,435,000	$266,060	$5,278	5.07%
PHOENIX-MESA-CHANDLER, AZ (FHA\|USDA\|VA)	761	$202,095,000	$265,565	$5,522	5.09%
San Francisco-Oakland-Berkeley, CA (FHA\|USDA\|VA)	334	$180,580,000	$540,659	$7,948	4.95%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA\|USDA\|VA)	574	$172,590,000	$300,679	$7,174	5.16%
KENNEWICK-RICHLAND, WA (FHA\|USDA\|VA)	680	$163,810,000	$240,897	$5,628	4.93%
URBAN HONOLULU, HI (FHA\|USDA\|VA)	375	$158,085,000	$421,560	$9,765	4.71%
NAPA, CA (FHA\|USDA\|VA)	330	$137,650,000	$417,121	$7,909	5.19%
OLYMPIA-LACEY-TUMWATER, WA (FHA\|USDA\|VA)	211	$125,305,000	$593,863	$6,097	4.97%
BOISE CITY, ID (FHA\|USDA\|VA)	358	$103,160,000	$288,156	$5,311	4.97%
VALLEJO, CA (FHA\|USDA\|VA)	241	$89,365,000	$370,809	$6,902	5.07%
EUGENE-SPRINGFIELD, OR (FHA\|USDA\|VA)	302	$75,350,000	$249,503	$5,228	4.94%
BEND, OR (FHA\|USDA\|VA)	228	$65,360,000	$286,667	$5,775	5.00%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA\|USDA\|VA)	107	$63,475,000	$593,224	$7,180	5.09%
SALEM, OR (FHA\|USDA\|VA)	283	$61,095,000	$215,883	$6,198	4.90%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA\|USDA\|VA)	192	$58,850,000	$306,510	$6,397	4.98%
Outside of Metro Areas	243	$55,075,000	$226,646	$4,996	4.87%
Oak Harbor, WA (FHA\|USDA\|VA)	158	$53,070,000	$335,886	$7,156	4.71%
MOUNT VERNON-ANACORTES, WA (FHA\|USDA\|VA)	199	$51,965,000	$261,131	$6,495	4.97%
KAHULUI-WAILUKU-LAHAINA, HI (FHA\|USDA\|VA)	127	$50,265,000	$395,787	$6,193	4.65%
SALT LAKE CITY, UT (FHA\|USDA\|VA)	6	$46,960,000	$7,826,667	$4,259	4.96%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA\|USDA\|VA)	43	$42,445,000	$987,093	$6,363	5.19%
Pullman, WA (FHA\|USDA\|VA)	82	$40,040,000	$488,293	$5,959	5.06%
LONGVIEW, WA (FHA\|USDA\|VA)	117	$39,245,000	$335,427	$6,022	4.99%
YAKIMA, WA (FHA\|USDA\|VA)	180	$37,970,000	$210,944	$5,307	5.16%
CHICO, CA (FHA\|USDA\|VA)	156	$36,980,000	$237,051	$5,287	5.06%
BELLINGHAM, WA (FHA\|USDA\|VA)	126	$34,980,000	$277,619	$5,437	4.93%
Ellensburg, WA (FHA\|USDA\|VA)	101	$34,825,000	$344,802	$6,719	4.97%
Hilo, HI (FHA\|USDA\|VA)	108	$32,970,000	$305,278	$6,420	4.67%
FORT COLLINS, CO (FHA\|USDA\|VA)	1	$28,825,000	$28,825,000	$0	5.04%
SANTA ROSA-PETALUMA, CA (FHA\|USDA\|VA)	61	$28,395,000	$465,492	$7,867	4.99%
Outside of Metro Areas	106	$25,710,000	$242,547	$5,417	4.78%
Moscow, ID (FHA\|USDA\|VA)	110	$25,460,000	$231,455	$5,446	5.09%
FRESNO, CA (FHA\|USDA\|VA)	75	$22,475,000	$299,667	$5,190	5.08%
WENATCHEE, WA (FHA\|USDA\|VA)	61	$22,125,000	$362,705	$5,129	4.88%
LEWISTON, ID-WA (FHA\|USDA\|VA)	112	$21,300,000	$190,179	$5,340	4.87%
Aberdeen, WA (FHA\|USDA\|VA)	48	$17,270,000	$359,792	$7,136	4.80%
BAKERSFIELD, CA (FHA\|USDA\|VA)	84	$16,300,000	$194,048	$5,249	4.98%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA\|USDA\|VA)	51	$15,665,000	$307,157	$7,445	5.24%
OGDEN-CLEARFIELD, UT (FHA\|USDA\|VA)	6	$13,720,000	$2,286,667	$6,243	4.83%
Bozeman, MT (FHA\|USDA\|VA)	1	$11,765,000	$11,765,000	$0	4.93%
STOCKTON, CA (FHA\|USDA\|VA)	48	$11,530,000	$240,208	$7,097	5.36%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA\|USDA\|VA)	48	$11,350,000	$236,458	$5,637	4.77%
Moses Lake, WA (FHA\|USDA\|VA)	60	$11,310,000	$188,500	$4,726	4.88%
Hermiston-Pendleton, OR (FHA\|USDA\|VA)	63	$11,255,000	$178,651	$5,653	4.98%
BILLINGS, MT (FHA\|USDA\|VA)	1	$9,825,000	$9,825,000	$0	5.16%
DENVER-AURORA-LAKEWOOD, CO (FHA\|USDA\|VA)	26	$9,400,000	$361,538	$6,512	4.72%
Shelton, WA (FHA\|USDA\|VA)	40	$8,610,000	$215,250	$6,549	5.06%
Newport, OR (FHA\|USDA\|VA)	31	$8,375,000	$270,161	$5,292	4.88%
MEDFORD, OR (FHA\|USDA\|VA)	7	$8,045,000	$1,149,286	$6,376	4.96%
ALBANY-LEBANON, OR (FHA\|USDA\|VA)	35	$7,535,000	$215,286	$6,220	4.77%
SANTA MARIA-SANTA BARBARA, CA (FHA\|USDA\|VA)	17	$7,485,000	$440,294	$6,314	5.27%
LAKE HAVASU CITY-KINGMAN, AZ (FHA\|USDA\|VA)	26	$7,100,000	$273,077	$4,974	5.00%
SANTA CRUZ-WATSONVILLE, CA (FHA\|USDA\|VA)	8	$7,100,000	$887,500	$5,240	5.23%
Kapaa, HI (FHA\|USDA\|VA)	16	$6,710,000	$419,375	$6,976	4.74%
IDAHO FALLS, ID (FHA\|USDA\|VA)	3	$6,405,000	$2,135,000	$4,263	4.57%
Centralia, WA (FHA\|USDA\|VA)	29	$6,195,000	$213,621	$5,761	5.05%
MODESTO, CA (FHA\|USDA\|VA)	13	$6,065,000	$466,538	$4,992	4.61%
YUBA CITY, CA (FHA\|USDA\|VA)	21	$5,465,000	$260,238	$6,070	5.17%
Ontario, OR-ID (FHA\|USDA\|VA)	34	$5,400,000	$158,824	$5,165	4.94%
CORVALLIS, OR (FHA\|USDA\|VA)	16	$4,760,000	$297,500	$6,414	4.53%
Sandpoint, ID (FHA\|USDA\|VA)	18	$4,720,000	$262,222	$5,846	5.17%
RENO, NV (FHA\|USDA\|VA)	13	$4,655,000	$358,077	$5,943	4.80%
Truckee-Grass Valley, CA (FHA\|USDA\|VA)	11	$4,485,000	$407,727	$5,730	4.89%
SALINAS, CA (FHA\|USDA\|VA)	7	$4,005,000	$572,143	$7,480	4.88%
Prineville, OR (FHA\|USDA\|VA)	14	$3,990,000	$285,000	$5,863	5.02%
Port Angeles, WA (FHA\|USDA\|VA)	17	$3,785,000	$222,647	$3,663	5.18%
WALLA WALLA, WA (FHA\|USDA\|VA)	15	$3,545,000	$236,333	$6,911	5.52%
ANCHORAGE, AK (FHA\|USDA\|VA)	9	$3,425,000	$380,556	$4,226	4.76%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA\|USDA\|VA)	8	$2,830,000	$353,750	$5,873	4.76%
Payson, AZ (FHA\|USDA\|VA)	11	$2,815,000	$255,909	$7,234	5.52%
FLAGSTAFF, AZ (FHA\|USDA\|VA)	9	$2,775,000	$308,333	$5,174	4.93%
TUCSON, AZ (FHA\|USDA\|VA)	13	$2,735,000	$210,385	$6,439	5.47%
LOGAN, UT-ID (FHA\|USDA\|VA)	1	$2,625,000	$2,625,000	$0	5.04%
Hailey, ID (FHA\|USDA\|VA)	6	$2,310,000	$385,000	$9,009	4.79%
PROVO-OREM, UT (FHA\|USDA\|VA)	7	$2,225,000	$317,857	$10,529	4.84%
Othello, WA (FHA\|USDA\|VA)	13	$1,935,000	$148,846	$4,499	4.94%
Roseburg, OR (FHA\|USDA\|VA)	9	$1,855,000	$206,111	$5,388	4.61%
Clearlake, CA (FHA\|USDA\|VA)	8	$1,830,000	$228,750	$7,952	5.22%
Show Low, AZ (FHA\|USDA\|VA)	7	$1,705,000	$243,571	$5,849	4.64%
The Dalles, OR (FHA\|USDA\|VA)	7	$1,665,000	$237,857	$6,735	4.46%
COLORADO SPRINGS, CO (FHA\|USDA\|VA)	5	$1,595,000	$319,000	$6,623	4.88%
SANTA FE, NM (FHA\|USDA\|VA)	1	$1,565,000	$1,565,000	$0	4.76%
Astoria, OR (FHA\|USDA\|VA)	7	$1,455,000	$207,857	$4,711	5.64%
Edwards, CO (FHA\|USDA\|VA)	2	$1,350,000	$675,000	$5,006	4.50%
GRANTS PASS, OR (FHA\|USDA\|VA)	5	$1,335,000	$267,000	$5,815	4.85%
MERCED, CA (FHA\|USDA\|VA)	5	$1,285,000	$257,000	$6,132	5.07%
MADERA, CA (FHA\|USDA\|VA)	6	$1,220,000	$203,333	$5,767	5.20%
Ukiah, CA (FHA\|USDA\|VA)	3	$1,205,000	$401,667	$7,166	5.62%
ST. GEORGE, UT (FHA\|USDA\|VA)	4	$1,070,000	$267,500	$5,062	5.00%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA\|USDA\|VA)	1	$1,065,000	$1,065,000	$0	4.40%
Hood River, OR (FHA\|USDA\|VA)	3	$1,065,000	$355,000	$4,149	4.87%
Gardnerville Ranchos, NV (FHA\|USDA\|VA)	2	$1,040,000	$520,000	$7,026	4.31%
Red Bluff, CA (FHA\|USDA\|VA)	5	$1,035,000	$207,000	$6,644	5.05%
TWIN FALLS, ID (FHA\|USDA\|VA)	3	$1,035,000	$345,000	$4,281	4.96%
REDDING, CA (FHA\|USDA\|VA)	5	$995,000	$199,000	$5,125	5.20%
VISALIA, CA (FHA\|USDA\|VA)	4	$850,000	$212,500	$5,303	5.41%
Coos Bay, OR (FHA\|USDA\|VA)	4	$840,000	$210,000	$4,928	5.62%
Crescent City, CA (FHA\|USDA\|VA)	3	$835,000	$278,333	$4,905	5.04%
SIERRA VISTA-DOUGLAS, AZ (FHA\|USDA\|VA)	2	$720,000	$360,000	$14,615	4.93%
Brookings, OR (FHA\|USDA\|VA)	3	$715,000	$238,333	$4,435	4.42%
CARSON CITY, NV (FHA\|USDA\|VA)	2	$690,000	$345,000	$3,548	3.94%
Heber, UT (FHA\|USDA\|VA)	1	$675,000	$675,000	$4,189	4.00%
Klamath Falls, OR (FHA\|USDA\|VA)	6	$660,000	$110,000	$4,055	5.06%
Jackson, WY-ID (FHA\|USDA\|VA)	2	$540,000	$270,000	$2,964	4.38%
Pahrump, NV (FHA\|USDA\|VA)	2	$520,000	$260,000	$10,489	4.88%
GREELEY, CO (FHA\|USDA\|VA)	2	$500,000	$250,000	$4,332	4.75%
Fernley, NV (FHA\|USDA\|VA)	2	$470,000	$235,000	$6,523	4.63%
Montrose, CO (FHA\|USDA\|VA)	1	$455,000	$455,000	$4,204	4.75%
POCATELLO, ID (FHA\|USDA\|VA)	3	$455,000	$151,667	$3,152	4.58%
Sonora, CA (FHA\|USDA\|VA)	2	$400,000	$200,000	$5,188	5.06%
EL CENTRO, CA (FHA\|USDA\|VA)	3	$365,000	$121,667	$3,103	5.90%
Juneau, AK (FHA\|USDA\|VA)	1	$325,000	$325,000	$8,922	3.75%
Breckenridge, CO (FHA\|USDA\|VA)	1	$305,000	$305,000	$3,980	5.50%
Mountain Home, ID (FHA\|USDA\|VA)	2	$300,000	$150,000	$2,922	4.25%
La Grande, OR (FHA\|USDA\|VA)	2	$240,000	$120,000	$4,845	6.77%
YUMA, AZ (FHA\|USDA\|VA)	2	$230,000	$115,000	$3,614	4.94%
Eureka-Arcata, CA (FHA\|USDA\|VA)	1	$185,000	$185,000	$3,157	5.13%
PUEBLO, CO (FHA\|USDA\|VA)	2	$150,000	$75,000	$0	5.38%
Blackfoot, ID (FHA\|USDA\|VA)	1	$95,000	$95,000	$3,509	4.00%
Susanville, CA (FHA\|USDA\|VA)	1	$55,000	$55,000	$0	5.99%

Homestreet Bank's top markets include Seattle, Los Angeles, Portland, San Diego, and Sacramento among others.

Their top states include:

Washington (FHA|USDA|VA)

California (FHA|USDA|VA)

Oregon (FHA|USDA|VA)

Hawaii (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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HAWAII STATE FEDERAL CREDIT UNION
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Product Mix

Loan Type	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Conventional	12,962	$5,885,290,000	$454,042	$5,489	4.76%
HELOC	3,211	$475,215,000	$147,996	n/a	6.35%
FHA	1,994	$581,620,000	$291,685	$9,898	4.74%
VA	1,146	$416,920,000	$363,805	$9,398	4.55%
USDA	100	$23,530,000	$235,300	$7,061	4.38%

For 2018, Homestreet Bank's most frequently originated type of loan was Conventional, with 12,962 originations. Their 2nd most popular type was HELOC, with 3,211 originations.

Loan Reason

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Home Purchase	12,985	$5,283,485,000	$406,891	$6,578	4.80%
Cash Out Refi	2,322	$669,570,000	$288,359	$5,999	5.14%
Other	1,629	$252,305,000	$154,883	$4,949	6.26%
Refi	1,379	$968,435,000	$702,273	$5,066	4.66%
Home Improvement	1,098	$208,780,000	$190,146	$5,904	5.72%

For 2018, Homestreet Bank's most frequently cited loan purpose was Home Purchase, with 12,985 originations. The 2nd most popular reason was Cash Out Refi, with 2,322 originations.

Loan Duration/Length

Loan Length	Originations	Total Value	Average Loan	Average Fees	Average Rate
30 Year	15,337	$6,064,145,000	$395,393	$6,453	4.76%
Other	3,271	$661,205,000	$202,142	$6,796	6.32%
15 Year	619	$373,195,000	$602,900	$4,572	4.24%
20 Year	157	$42,815,000	$272,707	$4,374	4.52%
10 Year	22	$235,270,000	$10,694,091	$4,242	4.95%
30+ year	4	$960,000	$240,000	$15,185	4.53%
5 Year	2	$3,480,000	$1,740,000	$0	4.79%
1 Year	1	$1,505,000	$1,505,000	$0	5.31%

For 2018, Homestreet Bank's most frequently cited loan duration was 30 Year, with 15,337 originations. The 2nd most popular length was Other, with 3,271 originations.

Origination Fees/Closing Costs

Origination Fee/Closing Cost	Originations	Total Value	Average Loan
$1k-2k	7,427	$2,783,445,000	$374,774
$2k-3k	2,242	$728,060,000	$324,737
$5k+	1,673	$861,695,000	$515,060
$3k-4k	1,558	$523,180,000	$335,802
$4k-5k	953	$360,225,000	$377,991
$<1k	776	$221,230,000	$285,090

Homestreet Bank's average total fees were $6,453, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 7,427 originations.

Interest Rates

Loan Rate	Originations	Total Value	Average Loan
4-5%	11,365	$5,081,075,000	$447,081
5-6%	4,750	$1,593,990,000	$335,577
6-7%	1,399	$183,615,000	$131,247
3-4%	1,274	$477,320,000	$374,662
7-8%	527	$42,375,000	$80,408
Over 8%	96	$4,060,000	$42,292
%	2	$140,000	$70,000

During 2018, Homestreet Bank's average interest rate for loans was 4.76%, while their most frequently originated rate bucket for loans was 4-5%, with 11,365 originations.

Loan Sizing

Loan Size	Originations	Total Value	Average Loan	Average Fees	Average Rate
$200k-400k	8,463	$2,458,745,000	$290,529	$6,055	4.83%
$100k-200k	3,613	$548,605,000	$151,842	$4,544	5.20%
$400k-600k	3,593	$1,712,775,000	$476,698	$7,235	4.74%
$100,000 or less	1,711	$107,185,000	$62,645	$3,540	6.44%
$600k-1MM	1,523	$1,079,995,000	$709,123	$8,436	4.64%
$1MM+	510	$1,475,270,000	$2,892,686	$9,028	4.56%

2018 saw Homestreet Bank place emphasis on $200k-400k loans with 8,463 originations, totaling $2,458,745,000 in origination value.

Applicant Income

Applicant Income	Originations	Total Value	Average Loan	Average Fees	Average Rate
$100k-150k	4,734	$1,600,520,000	$338,090	$6,763	5.04%
$50k-75k	3,758	$888,850,000	$236,522	$5,929	4.89%
$150k-250k	3,747	$1,517,625,000	$405,024	$6,702	5.13%
$75k-100k	3,436	$971,640,000	$282,782	$6,382	4.98%
$250k+	1,808	$1,050,200,000	$580,863	$7,167	5.07%
$50k or less	1,577	$264,225,000	$167,549	$4,992	4.83%

Homestreet Bank lent most frequently to those with incomes in the $100k-150k range, with 4,734 originations. The second most popular income band? $50k-75k, with 3,758 originations.

Applicant Debt to Income Ratio

DTI Ratio	Originations	Total Value	Average Loan	Average Fees	Average Rate
30-36%	3,219	$1,070,455,000	$332,543	$5,910	4.98%
20-30%	2,788	$893,680,000	$320,545	$5,579	4.96%
44%	1,087	$347,595,000	$319,775	$6,822	5.19%
49%	1,038	$328,900,000	$316,859	$6,148	4.97%
42%	947	$346,295,000	$365,676	$6,544	5.07%
43%	916	$299,670,000	$327,151	$6,300	5.11%
41%	898	$310,520,000	$345,791	$6,302	5.03%
50-60%	847	$293,615,000	$346,653	$9,970	4.73%
40%	841	$281,445,000	$334,655	$6,488	5.08%
39%	818	$275,640,000	$336,968	$6,240	5.04%
45%	806	$257,450,000	$319,417	$6,430	5.09%
48%	751	$239,675,000	$319,141	$6,448	4.96%
46%	731	$237,655,000	$325,109	$6,522	5.02%
37%	729	$247,135,000	$339,005	$6,256	5.03%
38%	703	$243,775,000	$346,764	$6,218	5.01%
47%	698	$227,570,000	$326,032	$6,531	4.99%
<20%	665	$194,655,000	$292,714	$5,071	4.94%
36%	642	$201,920,000	$314,517	$6,139	5.08%
>60%	98	$37,350,000	$381,122	$9,706	4.70%

Homestreet Bank lent most frequently to those with DTI ratios of 30-36%, with 3,219 originations. The next most common DTI ratio? 20-30%, with 2,788 originations.

Ethnicity Mix

Applicant Ethnicity	Originations	Total Value	Average Loan	Average Fees	Average Rate
White	12,621	$3,937,655,000	$311,992	$6,185	5.02%
Not provided	3,888	$1,446,500,000	$372,042	$6,501	5.04%
Not applicable	172	$1,006,190,000	$5,849,942	$14,779	4.66%
Asian	1,935	$733,745,000	$379,196	$6,853	4.87%
Black	372	$121,520,000	$326,667	$7,602	5.02%
Native Hawaiian or Islander	213	$65,345,000	$306,784	$8,495	4.72%
American Indian	111	$32,525,000	$293,018	$6,252	5.01%
Asian Indian	34	$14,350,000	$422,059	$7,299	5.04%
Vietnamese	11	$5,805,000	$527,727	$5,768	5.23%
Filipino	17	$5,115,000	$300,882	$11,666	5.53%
Chinese	7	$3,795,000	$542,143	$9,271	4.91%
Native Hawaiian	9	$3,285,000	$365,000	$6,200	4.75%
Other Asian	7	$2,455,000	$350,714	$6,085	5.12%
Japanese	8	$2,280,000	$285,000	$7,739	5.19%
Other Pacific Islander	4	$1,060,000	$265,000	$6,023	5.22%
Korean	4	$950,000	$237,500	$5,907	4.81%

Approval Rates

Total approvals of all applications
95.26%

Homestreet Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

Pick Rate

Approvals leading to origination
70.40%

Homestreet Bank has a below average pick rate.

Points and Fees

Points	Originations	Total Value	Average Loan
NA	19,413	$7,382,575,000	$380,290

Occupancy Type Mix

Dwelling Type	Originations	Total Value	Average Loan
Multifamily:Manufactured	4	$14,330,000	$3,582,500
Multifamily:Site-Built	175	$1,027,085,000	$5,869,057
Single Family (1-4 Units):Manufactured	521	$105,445,000	$202,390
Single Family (1-4 Units):Site-Built	18,713	$6,235,715,000	$333,229

LTV Distribution

Loan to Value	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-40%	1,646	$378,600,000	$230,012	$4,385	5.59%
40-60%	1,993	$1,043,035,000	$523,349	$4,950	4.75%
60-80%	5,489	$2,781,165,000	$506,680	$5,789	4.79%
80-100%	8,008	$2,868,020,000	$358,144	$6,816	4.75%
Over 100%	343	$123,565,000	$360,248	$13,647	4.56%
Under 20%	1,926	$184,690,000	$95,893	$4,057	6.49%

Complaints

Bank Name	Product	Issue	2018 CPFB Complaints	% of Total Issues
HOMESTEAD FUNDING CORPORATION	Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	1	100.0%

Bank Details

Branches

Bank Name	Branch	Branch Type	Deposits (000's)
HomeStreet Bank	108 W Fremont Selah, WA 98942	Full Service B&M	$12,674
HomeStreet Bank	10802 Gravelly Lake Drive Southwest Lakewood, WA 98499	Full Service B&M	$57,689
HomeStreet Bank	10820 Zelzah Avenue Granada Hills, CA 91344	Full Service B&M	$80,688
HomeStreet Bank	1110 Rosecrans Street, Suite 101 San Diego, CA 92106	Full Service B&M	$51,486
HomeStreet Bank	1118 N Vermont Ave. Los Angeles, CA 90029	Full Service B&M	$49,538
HomeStreet Bank	120 Waianuenue Avenue Hilo, HI 96720	Full Service B&M	$69,789
HomeStreet Bank	1238 State Avenue Marysville, WA 98270	Full Service B&M	$71,047
HomeStreet Bank	12513 Lake City Way Ne Seattle, WA 98125	Full Service B&M	$2,274
HomeStreet Bank	130 Andover Park East, Suite 100 Tukwila, WA 98188	Full Service B&M	$37,473
HomeStreet Bank	1501 S Union Avenue Tacoma, WA 98405	Full Service B&M	$74,539
HomeStreet Bank	15021 Main Street, Suite B Mill Creek, WA 98012	Full Service B&M	$1,641
HomeStreet Bank	16200 Sw Pacific Highway Ste. Z-3 Tigard, OR 97224	Full Service B&M	$93,976
HomeStreet Bank	16389 Redmond Way Redmond, WA 98052	Full Service B&M	$11,689
HomeStreet Bank	17901 Von Karman Avenue, Suite 100 Irvine, CA 92614	Full Service B&M	$128,817
HomeStreet Bank	1820 Yakima Valley Highway, Suite B Sunnyside, WA 98944	Full Service B&M	$24,269
HomeStreet Bank	1835 Queen Anne Avenue North Seattle, WA 98109	Full Service B&M	$78,369
HomeStreet Bank	19405 44 Avenue West Lynnwood, WA 98036	Full Service B&M	$49,727
HomeStreet Bank	2 South King Street Honolulu, HI 96813	Full Service B&M	$308,276
HomeStreet Bank	2100 S.E. 164th Avenue, Suite F104 Vancouver, WA 98683	Full Service B&M	$76,461
HomeStreet Bank	22 Northwest 23rd Avenue Portland, OR 97210	Full Service B&M	$60,516
HomeStreet Bank	22001 66th Ave West Mountlake Terrace, WA 98043	Full Service B&M	$87,490
HomeStreet Bank	252 S Lake Ave. Pasadena, CA 91101	Full Service B&M	$134,288
HomeStreet Bank	26640 Western Ave. Ste. N Harbor City, CA 90710	Full Service B&M	$41,104
HomeStreet Bank	2720 Hoyt Avenue, Suite B Everett, WA 98201	Full Service B&M	$26,696
HomeStreet Bank	305 Fowler Street Suite 1d1 Richland, WA 99352	Full Service B&M	$9,986
HomeStreet Bank	310 North State Street, Suite 218 Lake Oswego, OR 97034	Full Service B&M	$35,927
HomeStreet Bank	3119 Baldwin Park Boulevard, Suite A Baldwin Park, CA 91706	Full Service B&M	$13,178
HomeStreet Bank	333 North Glenoaks Boulevard Burbank, CA 91502	Full Service B&M	$36,746
HomeStreet Bank	33525 Pacific Highway South Federal Way, WA 98003	Full Service B&M	$84,081
HomeStreet Bank	3417 Evanston Ave N. Seattle, WA 98103	Full Service B&M	$17,410
HomeStreet Bank	3660 Waialae Avenue, Suite 108 Honolulu, HI 96816	Full Service B&M	$36,982
HomeStreet Bank	368 Broadway El Cajon, CA 92021	Full Service B&M	$20,155
HomeStreet Bank	3844 La Sierra Avenue Suite A Riverside, CA 92505	Full Service B&M	$22,580
HomeStreet Bank	3970 Sw Mercantile Drive, Suite 105 Lake Oswego, OR 97035	Full Service B&M	$17,914
HomeStreet Bank	4022 Sw Alaska St Seattle, WA 98116	Full Service B&M	$48,109
HomeStreet Bank	4036 E Madison Street Seattle, WA 98112	Full Service B&M	$26,441
HomeStreet Bank	417 Ne 72nd Street Seattle, WA 98115	Full Service B&M	$15,729
HomeStreet Bank	424 E. Yakima Avenue Yakima, WA 98901	Full Service B&M	$58,965
HomeStreet Bank	427 East Main Street Dayton, WA 99328	Full Service B&M	$30,450
HomeStreet Bank	4949 Borgen Boulevard, Suite B101 Gig Harbor, WA 98332	Full Service B&M	$3,377
HomeStreet Bank	500 108th Avenue Ne, Suite 1e1 Bellevue, WA 98004	Full Service B&M	$100,152
HomeStreet Bank	5001 - 25th Avenue Ne, Suite 100 Seattle, WA 98105	Full Service B&M	$17,177
HomeStreet Bank	505 West Harrison Street Kent, WA 98032	Full Service B&M	$55,191
HomeStreet Bank	5900 24th Avenue Nw Seattle, WA 98107	Full Service B&M	$27,908
HomeStreet Bank	601 Union Street, Suite 2000 Seattle, WA 98101	Full Service B&M	$1,927,229
HomeStreet Bank	650 S Grand Ave Suite 105 Glendora, CA 91740	Full Service B&M	$79,998
HomeStreet Bank	6515 Mission Gorge Road Suite 6515 San Diego, CA 92120	Full Service B&M	$15,459
HomeStreet Bank	6949 Coal Creek Parkway Southeast Newcastle, WA 98059	Full Service B&M	$85,708
HomeStreet Bank	700 Broadway East, Unit D Seattle, WA 98102	Full Service B&M	$23,743
HomeStreet Bank	720 Lilly Road Se Olympia, WA 98501	Full Service B&M	$58,767
HomeStreet Bank	7307 Greenwood Avenue Seattle, WA 98103	Full Service B&M	$20,007
HomeStreet Bank	7510 W. Clearwater Avenue Kennewick, WA 99336	Full Service B&M	$3,396
HomeStreet Bank	8050 15th Ave Nw Seattle, WA 98117	Full Service B&M	$97,355
HomeStreet Bank	818 W. Riverside Avenue, Suite 120 Spokane, WA 99201	Full Service B&M	$934
HomeStreet Bank	8200 35th Ave Ne Seattle, WA 98115	Full Service B&M	$174,998
HomeStreet Bank	8501 Van Nuys Boulevard Panorama City, CA 91402	Full Service B&M	$92,968
HomeStreet Bank	8860 Apollo Way, Suite 328 Downey, CA 90242	Full Service B&M	$57,660
HomeStreet Bank	909 Ne Ellis Drive Issaquah, WA 98029	Full Service B&M	$36,821
HomeStreet Bank	921 Hildebrand Lane Suite 100 Bainbridge Island, WA 98110	Full Service B&M	$33,908
HomeStreet Bank	9363 Clairemont Mesa Boulevard, Suite S San Diego, CA 92123	Full Service B&M	$3,653
HomeStreet Bank	9714 Sierra Avenue, Suite 101 Fontana, CA 92335	Full Service B&M	$47,982
HomeStreet Bank	98-1258 Kaahumanu Street, Suite 104 Pearl City, HI 96782	Full Service B&M	$71,135

For 2018, Homestreet Bank had 62 branches.

Yearly Performance Overview

Bank Income

Item	Value (in 000's)
Total interest income	$274,575
Net interest income	$213,184
Total noninterest income	$219,424
Gross Fiduciary activities income	$0
Service charges on deposit accounts	$3,131
Trading account gains and fees	$0
Additional Noninterest Income	$216,293
Pre-tax net operating income	$57,165
Securities gains (or losses, -)	$235
Income before extraordinary items	$54,419
Discontinued Operations (Extraordinary gains, net)	$0
Net income of bank and minority interests	$54,419
Minority interest net income	$0
Net income	$54,419
Sale, conversion, retirement of capital stock, net	$3,484
Net operating income	$54,195

Homestreet Bank's gross interest income from loans was $274,575,000.
Homestreet Bank's net interest income from loans was $213,184,000.
Homestreet Bank's fee based income from loans was $3,131,000.
Homestreet Bank's net income from loans was $54,419,000.

Bank Expenses

Item	Value (in 000's)
Total interest expense	$61,391
Provision for credit losses	$2,827
Total noninterest expense	$372,616
Salaries and employee benefits	$246,695
Premises and equipment expense	$43,677
Additional noninterest expense	$82,244
Applicable income taxes	$2,981
Net charge-offs	$-795
Cash dividends	$9,523

Homestreet Bank's interest expense for loans was $61,391,000.
Homestreet Bank's payroll and benefits expense were $246,695,000.
Homestreet Bank's property, plant and equipment expenses $43,677,000.

Loan Performance

Type of Loan	% of Loans Noncurrent (30+ days, end of period snapshot)
All loans	0.0%
Real Estate loans	0.0%
Construction & Land Development loans	0.0%
Nonfarm, nonresidential loans	0.0%
Multifamily residential loans	0.0%
1-4 family residential loans	2.0%
HELOC loans	0.0%
All other family	2.0%
Commercial & industrial loans	0.0%
Personal loans	0.0%
Credit card loans	0.0%
Other individual loans	0.0%
Auto loans	0.0%
Other consumer loans	0.0%
Unsecured commercial real estate loans	0.0%

Deposits

Type	Value (in 000's)
Total deposits	$5,068,635
Deposits held in domestic offices	$5,068,635
Deposits by Individuals, partnerships, and corporations	$4,855,126
Deposits by U.S. Government	$0
Deposits by States and political subdivisions in the U.S.	$191,848
Deposits by Commercial banks and other depository institutions in U.S.	$21,661
Deposits by Banks in foreign countries	$0
Deposits by Foreign governments and official institutions	$0
Transaction accounts	$199,121
Demand deposits	$125,129
Nontransaction accounts	$4,869,514
Money market deposit accounts (MMDAs)	$1,935,200
Other savings deposits (excluding MMDAs)	$1,355,126
Total time deposits	$1,579,188
Total time and savings deposits	$4,943,506
Noninterest-bearing deposits	$932,399
Interest-bearing deposits	$4,136,236
Retail deposits	$4,197,842
IRAs and Keogh plan accounts	$101,107
Brokered deposits	$785,448
Deposits held in foreign offices	$0

Assets

Asset	Value (in 000's)
Total Assets	$7,002,549
Cash & Balances due from depository institutions	$52,749
Interest-bearing balances	$22,022
Total securities	$917,105
Federal funds sold & reverse repurchase	$0
Net loans and leases	$5,422,379
Loan and leases loss allowance	$41,469
Trading account assets	$0
Bank premises and fixed assets	$89,622
Other real estate owned	$1,471
Goodwill and other intangibles	$281,499
All other assets	$237,724

Liabilities

Liabilities	Value (in 000's)
Total liabilities and capital	$7,002,549
Total Liabilities	$6,185,904
Total deposits	$5,068,635
Interest-bearing deposits	$4,136,236
Deposits held in domestic offices	$5,068,635
% insured (estimated)	$86
Federal funds purchased and repurchase agreements	$19,002
Trading liabilities	$0
Other borrowed funds	$970,255
Subordinated debt	$0
All other liabilities	$128,012

Issued Loan Types

Type	Value (in 000's)
Net loans and leases	$5,422,379
Loan and leases loss allowance	$41,469
Total loans and leases (domestic)	$5,463,848
All real estate loans	$5,119,806
Real estate loans in domestic offices	$5,119,806
Construction and development loans	$817,604
Residential 1-4 family construction	$448,433
Other construction, all land development and other land	$369,171
Loans secured by nonfarm nonresidential properties	$1,112,677
Nonfarm nonresidential secured by owner-occupied properties	$410,569
Commercial real estate & other non-farm, non-residential	$702,108
Multifamily residential real estate	$931,627
1-4 family residential loans	$2,237,905
Farmland loans	$19,993
Loans held in foreign offices	$0
Farm loans	$11,390
Commercial and industrial loans	$302,137
To non-U.S. addressees	$0
Loans to individuals	$12,530
Credit card loans	$0
Related Plans	$3,623
Consumer Auto Loans	$2,946
Other loans to individuals	$5,961
All other loans & leases	$17,985
Loans to foreign governments and official institutions	$0
Other loans	$17,985
Loans to depository institutions and acceptances of other banks	$0
Loans not secured by real estate	$12,545
Loans secured by real estate to non-U.S. addressees	$0
Restructured Loans & leases	$58,806
Non 1-4 family restructured loans & leases	$5,300
Total loans and leases (foreign)	$0

HomeStreet Bank had $5,422,379,000 of loans outstanding in 2018. $5,119,806,000 of loans were in real estate loans. $817,604,000 of loans were in development loans. $931,627,000 of loans were in multifamily mortgage loans. $2,237,905,000 of loans were in 1-4 family mortgage loans. $11,390,000 of loans were in farm loans. $0 of loans were in credit card loans. $2,946,000 of loans were in the auto loan category.

Small Business Loans

Categorization	# of Loans in Category	$ amount of loans (in 000's)	Average $/loan
Nonfarm, nonresidential loans - <$1MM	226	$75,168	$332,602
Nonfarm, nonresidential loans - <$100k	10	$206	$20,600
Nonfarm, nonresidential loans - $100-250k	35	$4,314	$123,257
Nonfarm, nonresidential loans - $250k-1MM	181	$70,648	$390,320
Commercial & Industrial, US addressed loans - <$1MM	401	$81,744	$203,850
Commercial & Industrial, US addressed loans - <$100k	113	$10,268	$90,867
Commercial & Industrial, US addressed loans - $100-250k	83	$5,111	$61,578
Commercial & Industrial, US addressed loans - $250k-1MM	205	$66,365	$323,732
Farmland loans - <$1MM	20	$3,468	$173,400
Farmland loans - <$100k	5	$139	$27,800
Farmland loans - $100-250k	7	$1,064	$152,000
Farmland loans - $250k-1MM	8	$2,265	$283,125
Agriculture operations loans - <$1MM	35	$3,691	$105,457
Agriculture operations loans - <$100k	16	$311	$19,438
Agriculture operations loans - $100-250k	7	$930	$132,857
Agriculture operations loans - $250k-1MM	12	$2,450	$204,167