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 and Refi 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, Spokane, and San Francisco among others. We have data for 104 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%	4/18/24
30 Year Conventional Purchase	6.42%	4/18/24
30 Year Conventional Refi	6.45%	4/18/24
30 Year Cash-out Refi	6.61%	4/18/24
30 Year FHA Purchase	7.04%	4/18/24
30 Year FHA Refi	6.25%	4/18/24
30 Year VA Purchase	6.13%	4/18/24
30 Year VA Refi	6.23%	4/18/24
30 Year USDA Purchase	6.38%	4/18/24
15 Year Conventional Purchase	6.14%	4/18/24
15 Year Conventional Refi	6.20%	4/18/24
15 Year Cash-out Refi	6.20%	4/18/24
15 Year FHA Purchase	5.82%	4/18/24
15 Year VA Purchase	6.08%	4/18/24
15 Year VA Refi	5.71%	4/18/24
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

10,510

Origination Dollar Volume (All Markets)

$4,703,160,000

Employee count

1,047

Awards

HomeStreet Bank 30 Year Conventional Loans silver

HomeStreet Bank 30 Year Conventional Loans bronze

Show all (4) 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)	3,547	$1,599,845,000	$451,042	$6,072	4.78%
Los Angeles-Long Beach-Anaheim, CA (FHA\|USDA\|VA)	535	$705,865,000	$1,319,374	$7,474	4.96%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA\|USDA\|VA)	1,690	$588,920,000	$348,473	$5,865	4.82%
SPOKANE-SPOKANE VALLEY, WA (FHA\|USDA\|VA)	473	$165,005,000	$348,848	$5,462	4.89%
San Francisco-Oakland-Berkeley, CA (FHA\|USDA\|VA)	78	$110,490,000	$1,416,538	$7,045	5.36%
KENNEWICK-RICHLAND, WA (FHA\|USDA\|VA)	377	$101,665,000	$269,668	$5,397	4.85%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA\|USDA\|VA)	279	$100,585,000	$360,520	$6,621	5.11%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA\|USDA\|VA)	241	$96,775,000	$401,556	$6,154	5.05%
BOISE CITY, ID (FHA\|USDA\|VA)	217	$94,155,000	$433,894	$4,893	4.84%
SALEM, OR (FHA\|USDA\|VA)	160	$93,360,000	$583,500	$6,011	5.07%
URBAN HONOLULU, HI (FHA\|USDA\|VA)	208	$86,770,000	$417,163	$9,356	4.61%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA\|USDA\|VA)	154	$80,210,000	$520,844	$6,432	4.98%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA\|USDA\|VA)	153	$57,895,000	$378,399	$6,175	4.67%
NAPA, CA (FHA\|USDA\|VA)	114	$45,080,000	$395,439	$6,889	5.17%
OLYMPIA-LACEY-TUMWATER, WA (FHA\|USDA\|VA)	146	$41,680,000	$285,479	$5,003	4.90%
KAHULUI-WAILUKU-LAHAINA, HI (FHA\|USDA\|VA)	97	$40,785,000	$420,464	$8,056	4.51%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA\|USDA\|VA)	75	$35,045,000	$467,267	$7,773	4.60%
Outside of Metro Areas	142	$32,700,000	$230,282	$5,278	4.96%
PHOENIX-MESA-CHANDLER, AZ (FHA\|USDA\|VA)	60	$31,850,000	$530,833	$4,886	5.21%
YAKIMA, WA (FHA\|USDA\|VA)	136	$31,720,000	$233,235	$5,679	5.08%
MOUNT VERNON-ANACORTES, WA (FHA\|USDA\|VA)	122	$31,160,000	$255,410	$5,446	5.09%
Outside of Metro Areas	67	$27,645,000	$412,612	$6,020	4.75%
FRESNO, CA (FHA\|USDA\|VA)	13	$27,145,000	$2,088,077	$3,897	4.82%
VALLEJO, CA (FHA\|USDA\|VA)	50	$24,030,000	$480,600	$6,115	5.35%
Oak Harbor, WA (FHA\|USDA\|VA)	80	$23,610,000	$295,125	$6,272	4.89%
CHICO, CA (FHA\|USDA\|VA)	102	$23,000,000	$225,490	$4,511	5.03%
LONGVIEW, WA (FHA\|USDA\|VA)	76	$22,990,000	$302,500	$5,636	4.79%
BEND, OR (FHA\|USDA\|VA)	72	$22,790,000	$316,528	$6,074	4.84%
Ellensburg, WA (FHA\|USDA\|VA)	62	$22,440,000	$361,935	$5,603	4.92%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA\|USDA\|VA)	14	$22,090,000	$1,577,857	$5,340	5.03%
DENVER-AURORA-LAKEWOOD, CO (FHA\|USDA\|VA)	7	$20,545,000	$2,935,000	$5,482	4.31%
EUGENE-SPRINGFIELD, OR (FHA\|USDA\|VA)	84	$19,440,000	$231,429	$5,054	5.09%
Hilo, HI (FHA\|USDA\|VA)	61	$17,505,000	$286,967	$7,347	4.85%
BELLINGHAM, WA (FHA\|USDA\|VA)	49	$14,245,000	$290,714	$5,329	4.88%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA\|USDA\|VA)	3	$12,115,000	$4,038,333	$0	3.88%
Hermiston-Pendleton, OR (FHA\|USDA\|VA)	56	$11,920,000	$212,857	$7,073	4.93%
Moscow, ID (FHA\|USDA\|VA)	61	$11,835,000	$194,016	$4,918	5.05%
SANTA ROSA-PETALUMA, CA (FHA\|USDA\|VA)	24	$11,440,000	$476,667	$7,562	4.73%
WENATCHEE, WA (FHA\|USDA\|VA)	33	$10,465,000	$317,121	$4,846	4.75%
LEWISTON, ID-WA (FHA\|USDA\|VA)	56	$10,290,000	$183,750	$5,161	5.22%
IDAHO FALLS, ID (FHA\|USDA\|VA)	2	$8,830,000	$4,415,000	$2,989	4.64%
Pullman, WA (FHA\|USDA\|VA)	42	$8,770,000	$208,810	$5,776	5.02%
Newport, OR (FHA\|USDA\|VA)	19	$8,475,000	$446,053	$6,250	5.28%
BAKERSFIELD, CA (FHA\|USDA\|VA)	32	$8,290,000	$259,063	$5,057	4.79%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA\|USDA\|VA)	8	$7,970,000	$996,250	$6,063	4.98%
Aberdeen, WA (FHA\|USDA\|VA)	31	$7,775,000	$250,806	$4,675	5.11%
SANTA MARIA-SANTA BARBARA, CA (FHA\|USDA\|VA)	14	$7,530,000	$537,857	$5,132	4.99%
Moses Lake, WA (FHA\|USDA\|VA)	33	$7,465,000	$226,212	$5,323	4.52%
Centralia, WA (FHA\|USDA\|VA)	29	$7,445,000	$256,724	$5,924	4.63%
YUBA CITY, CA (FHA\|USDA\|VA)	20	$6,850,000	$342,500	$7,191	4.42%
Shelton, WA (FHA\|USDA\|VA)	28	$6,660,000	$237,857	$5,938	4.66%
MODESTO, CA (FHA\|USDA\|VA)	7	$6,435,000	$919,286	$6,423	5.86%
CORVALLIS, OR (FHA\|USDA\|VA)	9	$6,255,000	$695,000	$7,125	4.96%
STOCKTON, CA (FHA\|USDA\|VA)	18	$6,200,000	$344,444	$7,182	5.32%
TUCSON, AZ (FHA\|USDA\|VA)	6	$4,960,000	$826,667	$4,780	4.55%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA\|USDA\|VA)	16	$4,710,000	$294,375	$3,876	4.63%
Roseburg, OR (FHA\|USDA\|VA)	14	$3,840,000	$274,286	$4,538	4.56%
MADERA, CA (FHA\|USDA\|VA)	5	$3,715,000	$743,000	$7,064	4.29%
SALT LAKE CITY, UT (FHA\|USDA\|VA)	4	$3,650,000	$912,500	$6,316	4.38%
WALLA WALLA, WA (FHA\|USDA\|VA)	14	$3,580,000	$255,714	$4,792	5.01%
Sandpoint, ID (FHA\|USDA\|VA)	12	$3,580,000	$298,333	$3,900	4.63%
ALBANY-LEBANON, OR (FHA\|USDA\|VA)	15	$3,575,000	$238,333	$6,045	4.78%
Port Angeles, WA (FHA\|USDA\|VA)	11	$3,355,000	$305,000	$4,878	4.39%
RENO, NV (FHA\|USDA\|VA)	7	$2,945,000	$420,714	$6,601	4.30%
Kapaa, HI (FHA\|USDA\|VA)	7	$2,715,000	$387,857	$8,849	5.00%
Ontario, OR-ID (FHA\|USDA\|VA)	20	$2,650,000	$132,500	$3,993	5.34%
VISALIA, CA (FHA\|USDA\|VA)	3	$1,945,000	$648,333	$5,855	4.43%
Astoria, OR (FHA\|USDA\|VA)	6	$1,740,000	$290,000	$4,462	4.60%
MEDFORD, OR (FHA\|USDA\|VA)	8	$1,720,000	$215,000	$4,940	5.08%
SALINAS, CA (FHA\|USDA\|VA)	4	$1,720,000	$430,000	$3,553	4.34%
Hood River, OR (FHA\|USDA\|VA)	5	$1,555,000	$311,000	$11,627	5.05%
Coos Bay, OR (FHA\|USDA\|VA)	9	$1,435,000	$159,444	$4,425	4.96%
Red Bluff, CA (FHA\|USDA\|VA)	7	$1,375,000	$196,429	$5,707	5.09%
LAKE HAVASU CITY-KINGMAN, AZ (FHA\|USDA\|VA)	7	$1,325,000	$189,286	$4,079	4.57%
Klamath Falls, OR (FHA\|USDA\|VA)	8	$1,320,000	$165,000	$4,484	4.20%
ANCHORAGE, AK (FHA\|USDA\|VA)	3	$1,165,000	$388,333	$3,035	4.29%
Brookings, OR (FHA\|USDA\|VA)	5	$1,085,000	$217,000	$7,501	4.18%
Truckee-Grass Valley, CA (FHA\|USDA\|VA)	4	$1,000,000	$250,000	$3,241	4.56%
Prineville, OR (FHA\|USDA\|VA)	4	$970,000	$242,500	$6,271	5.42%
Clearlake, CA (FHA\|USDA\|VA)	4	$930,000	$232,500	$7,007	4.50%
FORT COLLINS, CO (FHA\|USDA\|VA)	2	$860,000	$430,000	$10,630	4.00%
COLORADO SPRINGS, CO (FHA\|USDA\|VA)	2	$750,000	$375,000	$3,571	4.63%
OGDEN-CLEARFIELD, UT (FHA\|USDA\|VA)	3	$695,000	$231,667	$4,726	4.25%
BOULDER, CO (FHA\|USDA\|VA)	1	$625,000	$625,000	$3,089	3.88%
Othello, WA (FHA\|USDA\|VA)	3	$575,000	$191,667	$3,156	5.13%
Gardnerville Ranchos, NV (FHA\|USDA\|VA)	2	$520,000	$260,000	$2,727	4.50%
ST. GEORGE, UT (FHA\|USDA\|VA)	3	$495,000	$165,000	$3,057	4.50%
Heber, UT (FHA\|USDA\|VA)	1	$455,000	$455,000	$3,435	4.50%
REDDING, CA (FHA\|USDA\|VA)	2	$410,000	$205,000	$6,916	4.44%
Sonora, CA (FHA\|USDA\|VA)	2	$340,000	$170,000	$2,398	4.69%
The Dalles, OR (FHA\|USDA\|VA)	2	$320,000	$160,000	$2,947	5.71%
Crescent City, CA (FHA\|USDA\|VA)	1	$305,000	$305,000	$3,826	4.25%
TWIN FALLS, ID (FHA\|USDA\|VA)	1	$275,000	$275,000	$5,144	3.88%
YUMA, AZ (FHA\|USDA\|VA)	1	$265,000	$265,000	$11,743	3.88%
EL CENTRO, CA (FHA\|USDA\|VA)	1	$255,000	$255,000	$8,874	5.13%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA\|USDA\|VA)	1	$205,000	$205,000	$3,189	4.00%
Steamboat Springs, CO (FHA\|USDA\|VA)	1	$205,000	$205,000	$3,871	4.88%
Durango, CO (FHA\|USDA\|VA)	1	$195,000	$195,000	$3,517	4.75%
POCATELLO, ID (FHA\|USDA\|VA)	1	$195,000	$195,000	$0	5.25%
MERCED, CA (FHA\|USDA\|VA)	1	$185,000	$185,000	$6,654	4.88%
SANTA CRUZ-WATSONVILLE, CA (FHA\|USDA\|VA)	1	$155,000	$155,000	$3,591	4.00%
La Grande, OR (FHA\|USDA\|VA)	1	$135,000	$135,000	$0	6.13%
Payson, AZ (FHA\|USDA\|VA)	1	$105,000	$105,000	$0	7.04%
Susanville, CA (FHA\|USDA\|VA)	1	$25,000	$25,000	$0	8.79%

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

Their top states include:

Washington (FHA|USDA|VA)

California (FHA|USDA|VA)

Oregon (FHA|USDA|VA)

Idaho (FHA|USDA|VA)

Hawaii (FHA|USDA|VA)

Similar Lenders

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Product Mix

Loan Type	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Conventional	7,025	$3,917,195,000	$557,608	$5,320	4.43%
HELOC	1,841	$250,375,000	$135,999	n/a	6.87%
FHA	936	$283,660,000	$303,056	$10,034	4.56%
VA	651	$237,545,000	$364,892	$8,463	4.25%
USDA	57	$14,385,000	$252,368	$7,063	4.18%

For 2019, Homestreet Bank's most frequently originated type of loan was Conventional, with 7,025 originations. Their 2nd most popular type was HELOC, with 1,841 originations.

Loan Reason

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Home Purchase	6,041	$2,684,955,000	$444,455	$6,397	4.55%
Refi	1,528	$1,378,450,000	$902,127	$4,568	4.25%
Cash Out Refi	1,364	$419,720,000	$307,713	$6,196	4.89%
Other	989	$132,195,000	$133,665	$4,163	6.73%
Home Improvement	588	$87,840,000	$149,388	$6,143	6.42%

For 2019, Homestreet Bank's most frequently cited loan purpose was Home Purchase, with 6,041 originations. The 2nd most popular reason was Refi, with 1,528 originations.

Loan Duration/Length

Loan Length	Originations	Total Value	Average Loan	Average Fees	Average Rate
30 Year	8,155	$3,799,025,000	$465,852	$6,114	4.45%
Other	1,882	$344,820,000	$183,220	$4,038	6.82%
15 Year	384	$394,670,000	$1,027,786	$4,128	3.93%
20 Year	56	$14,130,000	$252,321	$4,468	4.56%
10 Year	19	$146,595,000	$7,715,526	$4,270	4.25%
30+ year	14	$3,920,000	$280,000	$14,747	4.34%

For 2019, Homestreet Bank's most frequently cited loan duration was 30 Year, with 8,155 originations. The 2nd most popular length was Other, with 1,882 originations.

Origination Fees/Closing Costs

Origination Fee/Closing Cost	Originations	Total Value	Average Loan
$1k-2k	4,088	$1,637,020,000	$400,445
$2k-3k	1,126	$370,060,000	$328,650
$5k+	771	$409,995,000	$531,770
$3k-4k	760	$268,610,000	$353,434
$4k-5k	473	$187,025,000	$395,402
$<1k	418	$128,740,000	$307,990

Homestreet Bank's average total fees were $6,114, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 4,088 originations.

Interest Rates

Loan Rate	Originations	Total Value	Average Loan
4-5%	5,300	$2,653,680,000	$500,694
3-4%	2,362	$1,490,190,000	$630,902
5-6%	1,235	$351,805,000	$284,862
6-7%	868	$138,150,000	$159,159
7-8%	523	$50,595,000	$96,740
Over 8%	187	$9,365,000	$50,080
2.5-3%	34	$9,020,000	$265,294
<2.5%	1	$355,000	$355,000

During 2019, Homestreet Bank's average interest rate for loans was 4.45%, while their most frequently originated rate bucket for loans was 4-5%, with 5,300 originations.

Loan Sizing

Loan Size	Originations	Total Value	Average Loan	Average Fees	Average Rate
$200k-400k	4,534	$1,325,380,000	$292,320	$5,698	4.61%
$400k-600k	1,981	$952,605,000	$480,871	$6,638	4.41%
$100k-200k	1,661	$248,835,000	$149,810	$4,383	5.27%
$100,000 or less	996	$57,910,000	$58,143	$3,415	6.98%
$600k-1MM	945	$674,155,000	$713,392	$7,544	4.31%
$1MM+	393	$1,444,275,000	$3,675,000	$9,089	4.19%

2019 saw Homestreet Bank place emphasis on $200k-400k loans with 4,534 originations, totaling $1,325,380,000 in origination value.

Applicant Income

Applicant Income	Originations	Total Value	Average Loan	Average Fees	Average Rate
$100k-150k	2,565	$890,575,000	$347,203	$6,291	4.89%
$150k-250k	2,038	$854,760,000	$419,411	$6,365	4.97%
$50k-75k	1,909	$448,105,000	$234,733	$5,582	4.77%
$75k-100k	1,853	$516,475,000	$278,724	$6,037	4.90%
$250k+	940	$563,110,000	$599,053	$6,890	5.02%
$50k or less	784	$130,380,000	$166,301	$4,812	4.72%

Homestreet Bank lent most frequently to those with incomes in the $100k-150k range, with 2,565 originations. The second most popular income band? $150k-250k, with 2,038 originations.

Applicant Debt to Income Ratio

DTI Ratio	Originations	Total Value	Average Loan	Average Fees	Average Rate
30-36%	1,769	$626,755,000	$354,299	$5,970	4.78%
20-30%	1,624	$551,340,000	$339,495	$5,475	4.76%
44%	545	$162,605,000	$298,358	$6,033	5.13%
43%	523	$159,945,000	$305,822	$5,819	5.15%
49%	472	$156,670,000	$331,928	$6,224	4.82%
41%	463	$166,675,000	$359,989	$6,276	4.87%
42%	461	$166,635,000	$361,464	$6,001	5.02%
<20%	459	$136,865,000	$298,181	$4,980	4.90%
39%	428	$150,370,000	$351,332	$6,044	4.88%
45%	417	$125,475,000	$300,899	$6,141	5.03%
40%	406	$133,710,000	$329,335	$5,797	4.97%
37%	405	$143,185,000	$353,543	$5,940	4.89%
48%	400	$137,550,000	$343,875	$6,284	4.92%
38%	397	$134,215,000	$338,073	$5,869	4.93%
36%	384	$137,040,000	$356,875	$5,846	4.91%
47%	350	$114,390,000	$326,829	$6,061	4.89%
46%	335	$105,655,000	$315,388	$6,268	5.00%
50-60%	326	$115,880,000	$355,460	$9,772	4.63%
>60%	30	$13,610,000	$453,667	$8,844	4.24%

Homestreet Bank lent most frequently to those with DTI ratios of 30-36%, with 1,769 originations. The next most common DTI ratio? 20-30%, with 1,624 originations.

Ethnicity Mix

Applicant Ethnicity	Originations	Total Value	Average Loan	Average Fees	Average Rate
White	6,689	$2,150,345,000	$321,475	$5,913	4.90%
Not applicable	228	$1,210,070,000	$5,307,325	$0	4.13%
Not provided	2,364	$906,430,000	$383,431	$6,004	4.85%
Asian	799	$293,835,000	$367,753	$6,626	4.82%
Black	198	$62,260,000	$314,444	$6,597	4.70%
Native Hawaiian or Islander	109	$36,715,000	$336,835	$9,294	4.46%
American Indian	60	$17,150,000	$285,833	$5,595	4.67%
Asian Indian	18	$11,120,000	$617,778	$7,229	4.57%
Filipino	13	$5,125,000	$394,231	$7,912	5.09%
Other Asian	10	$3,280,000	$328,000	$7,487	4.62%
Other Pacific Islander	7	$2,065,000	$295,000	$6,611	4.73%
Native Hawaiian	6	$1,780,000	$296,667	$3,964	4.81%
Chinese	4	$1,230,000	$307,500	$3,632	5.33%
Vietnamese	3	$805,000	$268,333	$5,962	4.33%
Japanese	1	$595,000	$595,000	$5,649	4.38%
Korean	1	$355,000	$355,000	$5,587	3.63%

Approval Rates

Total approvals of all applications
94.99%

Homestreet Bank has an average approval rate.

Pick Rate

Approvals leading to origination
67.93%

Homestreet Bank has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

Points and Fees

Points	Originations	Total Value	Average Loan
NA	10,510	$4,703,160,000	$447,494

Occupancy Type Mix

Dwelling Type	Originations	Total Value	Average Loan
Multifamily:Manufactured	4	$9,120,000	$2,280,000
Multifamily:Site-Built	231	$1,220,215,000	$5,282,316
Single Family (1-4 Units):Manufactured	367	$79,245,000	$215,926
Single Family (1-4 Units):Site-Built	9,908	$3,394,580,000	$342,610

LTV Distribution

Loan to Value	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-40%	918	$243,280,000	$265,011	$4,254	5.75%
40-60%	1,061	$590,725,000	$556,762	$4,622	4.58%
60-80%	3,040	$2,099,270,000	$690,549	$5,501	4.48%
80-100%	4,156	$1,587,780,000	$382,045	$6,613	4.47%
Over 100%	135	$51,085,000	$378,407	$13,708	4.35%
Under 20%	1,125	$100,225,000	$89,089	$3,644	6.98%

Complaints

Bank Name	Product	Issue	2019 CPFB Complaints	% of Total Issues
HOMESTEAD FUNDING CORPORATION	Reverse mortgage	Closing on a mortgage	1	100.0%

Bank Details

Branches

Bank Name	Branch	Branch Type	Deposits (000's)
HomeStreet Bank	10 Almaden Blvd., Suite 560 San Jose, CA 95113	Full Service B&M	$21,378
HomeStreet Bank	10802 Gravelly Lake Drive Southwest Lakewood, WA 98499	Full Service B&M	$70,402
HomeStreet Bank	10820 Zelzah Avenue Granada Hills, CA 91344	Full Service B&M	$97,875
HomeStreet Bank	1110 Rosecrans Street, Suite 101 San Diego, CA 92106	Full Service B&M	$68,895
HomeStreet Bank	1118 N Vermont Ave. Los Angeles, CA 90029	Full Service B&M	$52,959
HomeStreet Bank	120 Waianuenue Avenue Hilo, HI 96720	Full Service B&M	$89,061
HomeStreet Bank	1238 State Avenue Marysville, WA 98270	Full Service B&M	$79,416
HomeStreet Bank	12513 Lake City Way Ne Seattle, WA 98125	Full Service B&M	$14,056
HomeStreet Bank	130 Andover Park East, Suite 100 Tukwila, WA 98188	Full Service B&M	$46,623
HomeStreet Bank	1501 S Union Avenue Tacoma, WA 98405	Full Service B&M	$89,131
HomeStreet Bank	15021 Main Street, Suite B Mill Creek, WA 98012	Full Service B&M	$9,579
HomeStreet Bank	16200 Sw Pacific Highway Ste. Z-3 Tigard, OR 97224	Full Service B&M	$103,352
HomeStreet Bank	16389 Redmond Way Redmond, WA 98052	Full Service B&M	$35,118
HomeStreet Bank	17901 Von Karman Avenue, Suite 100 Irvine, CA 92614	Full Service B&M	$147,217
HomeStreet Bank	1820 Yakima Valley Highway, Suite B Sunnyside, WA 98944	Full Service B&M	$29,887
HomeStreet Bank	1835 Queen Anne Avenue North Seattle, WA 98109	Full Service B&M	$99,503
HomeStreet Bank	19405 44 Avenue West Lynnwood, WA 98036	Full Service B&M	$58,415
HomeStreet Bank	2 South King Street Honolulu, HI 96813	Full Service B&M	$322,899
HomeStreet Bank	2100 S.E. 164th Avenue, Suite F104 Vancouver, WA 98683	Full Service B&M	$79,068
HomeStreet Bank	22 Northwest 23rd Avenue Portland, OR 97210	Full Service B&M	$75,037
HomeStreet Bank	22001 66th Ave West Mountlake Terrace, WA 98043	Full Service B&M	$86,970
HomeStreet Bank	252 S Lake Ave. Pasadena, CA 91101	Full Service B&M	$136,265
HomeStreet Bank	26640 Western Ave. Ste. N Harbor City, CA 90710	Full Service B&M	$46,076
HomeStreet Bank	2720 Hoyt Avenue, Suite B Everett, WA 98201	Full Service B&M	$43,601
HomeStreet Bank	277 Rancheros Drive, Suite 300 San Marcos, CA 92069	Full Service B&M	$85,195
HomeStreet Bank	310 North State Street, Suite 218 Lake Oswego, OR 97034	Full Service B&M	$40,504
HomeStreet Bank	3119 Baldwin Park Boulevard, Suite A Baldwin Park, CA 91706	Full Service B&M	$14,562
HomeStreet Bank	333 North Glenoaks Boulevard Burbank, CA 91502	Full Service B&M	$45,913
HomeStreet Bank	33525 Pacific Highway South Federal Way, WA 98003	Full Service B&M	$78,120
HomeStreet Bank	3417 Evanston Ave N. Seattle, WA 98103	Full Service B&M	$24,645
HomeStreet Bank	3660 Waialae Avenue, Suite 108 Honolulu, HI 96816	Full Service B&M	$70,042
HomeStreet Bank	368 Broadway El Cajon, CA 92021	Full Service B&M	$27,391
HomeStreet Bank	3844 La Sierra Avenue Suite A Riverside, CA 92505	Full Service B&M	$24,947
HomeStreet Bank	3970 Sw Mercantile Drive, Suite 105 Lake Oswego, OR 97035	Full Service B&M	$18,700
HomeStreet Bank	4022 Sw Alaska St Seattle, WA 98116	Full Service B&M	$68,143
HomeStreet Bank	4036 E Madison Street Seattle, WA 98112	Full Service B&M	$38,117
HomeStreet Bank	417 Ne 72nd Street Seattle, WA 98115	Full Service B&M	$24,953
HomeStreet Bank	424 E. Yakima Avenue Yakima, WA 98901	Full Service B&M	$77,270
HomeStreet Bank	427 East Main Street Dayton, WA 99328	Full Service B&M	$34,264
HomeStreet Bank	4949 Borgen Boulevard, Suite B101 Gig Harbor, WA 98332	Full Service B&M	$11,679
HomeStreet Bank	500 108th Avenue Ne, Suite 1e1 Bellevue, WA 98004	Full Service B&M	$128,760
HomeStreet Bank	5001 - 25th Avenue Ne, Suite 100 Seattle, WA 98105	Full Service B&M	$16,989
HomeStreet Bank	505 West Harrison Street Kent, WA 98032	Full Service B&M	$59,198
HomeStreet Bank	5900 24th Avenue Nw Seattle, WA 98107	Full Service B&M	$31,698
HomeStreet Bank	601 Union Street, Suite 2000 Seattle, WA 98101	Full Service B&M	$1,904,880
HomeStreet Bank	650 S Grand Ave Suite 105 Glendora, CA 91740	Full Service B&M	$64,151
HomeStreet Bank	6515 Mission Gorge Road Suite 6515 San Diego, CA 92120	Full Service B&M	$22,132
HomeStreet Bank	6949 Coal Creek Parkway Southeast Newcastle, WA 98059	Full Service B&M	$94,735
HomeStreet Bank	700 Broadway East, Unit D Seattle, WA 98102	Full Service B&M	$29,556
HomeStreet Bank	720 Lilly Road Se Olympia, WA 98501	Full Service B&M	$68,671
HomeStreet Bank	7307 Greenwood Avenue Seattle, WA 98103	Full Service B&M	$33,405
HomeStreet Bank	7510 W. Clearwater Avenue Kennewick, WA 99336	Full Service B&M	$20,470
HomeStreet Bank	781 Lawrence Expressway Santa Clara, CA 95051	Full Service B&M	$20,441
HomeStreet Bank	8050 15th Ave Nw Seattle, WA 98117	Full Service B&M	$107,164
HomeStreet Bank	818 W. Riverside Avenue, Suite 120 Spokane, WA 99201	Full Service B&M	$14,127
HomeStreet Bank	8200 35th Ave Ne Seattle, WA 98115	Full Service B&M	$201,056
HomeStreet Bank	8501 Van Nuys Boulevard Panorama City, CA 91402	Full Service B&M	$93,168
HomeStreet Bank	8860 Apollo Way, Suite 328 Downey, CA 90242	Full Service B&M	$62,083
HomeStreet Bank	909 Ne Ellis Drive Issaquah, WA 98029	Full Service B&M	$49,161
HomeStreet Bank	921 Hildebrand Lane Suite 100 Bainbridge Island, WA 98110	Full Service B&M	$37,327
HomeStreet Bank	9363 Clairemont Mesa Boulevard, Suite S San Diego, CA 92123	Full Service B&M	$11,483
HomeStreet Bank	9714 Sierra Avenue, Suite 101 Fontana, CA 92335	Full Service B&M	$46,585
HomeStreet Bank	98-1258 Kaahumanu Street, Suite 104 Pearl City, HI 96782	Full Service B&M	$89,942

For 2019, Homestreet Bank had 63 branches.

Yearly Performance Overview

Bank Income

Item	Value (in 000's)
Total interest income	$280,797
Net interest income	$199,534
Total noninterest income	$61,509
Gross Fiduciary activities income	$0
Service charges on deposit accounts	$3,171
Trading account gains and fees	$0
Additional Noninterest Income	$58,338
Pre-tax net operating income	$56,471
Securities gains (or losses, -)	$-7
Income before extraordinary items	$46,600
Discontinued Operations (Extraordinary gains, net)	$-23,208
Net income of bank and minority interests	$23,392
Minority interest net income	$0
Net income	$23,392
Sale, conversion, retirement of capital stock, net	$35
Net operating income	$46,605

Homestreet Bank's gross interest income from loans was $280,797,000.
Homestreet Bank's net interest income from loans was $199,534,000.
Homestreet Bank's fee based income from loans was $3,171,000.
Homestreet Bank's net income from loans was $23,392,000.

Bank Expenses

Item	Value (in 000's)
Total interest expense	$81,263
Provision for credit losses	$-123
Total noninterest expense	$204,695
Salaries and employee benefits	$119,305
Premises and equipment expense	$25,708
Additional noninterest expense	$59,682
Applicable income taxes	$9,864
Net charge-offs	$-425
Cash dividends	$110,000

Homestreet Bank's interest expense for loans was $81,263,000.
Homestreet Bank's payroll and benefits expense were $119,305,000.
Homestreet Bank's property, plant and equipment expenses $25,708,000.

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	1.0%
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	$5,362,482
Deposits held in domestic offices	$5,362,482
Deposits by Individuals, partnerships, and corporations	$4,953,286
Deposits by U.S. Government	$0
Deposits by States and political subdivisions in the U.S.	$330,379
Deposits by Commercial banks and other depository institutions in U.S.	$78,817
Deposits by Banks in foreign countries	$0
Deposits by Foreign governments and official institutions	$0
Transaction accounts	$288,656
Demand deposits	$216,764
Nontransaction accounts	$5,073,826
Money market deposit accounts (MMDAs)	$2,223,922
Other savings deposits (excluding MMDAs)	$1,235,722
Total time deposits	$1,614,182
Total time and savings deposits	$5,145,718
Noninterest-bearing deposits	$931,434
Interest-bearing deposits	$4,431,048
Retail deposits	$4,873,454
IRAs and Keogh plan accounts	$104,256
Brokered deposits	$266,159
Deposits held in foreign offices	$0

Assets

Asset	Value (in 000's)
Total Assets	$6,771,304
Cash & Balances due from depository institutions	$52,083
Interest-bearing balances	$23,879
Total securities	$937,905
Federal funds sold & reverse repurchase	$0
Net loans and leases	$5,307,084
Loan and leases loss allowance	$41,772
Trading account assets	$0
Bank premises and fixed assets	$169,042
Other real estate owned	$2,934
Goodwill and other intangibles	$103,351
All other assets	$198,905

Liabilities

Liabilities	Value (in 000's)
Total liabilities and capital	$6,771,304
Total Liabilities	$6,020,077
Total deposits	$5,362,482
Interest-bearing deposits	$4,431,048
Deposits held in domestic offices	$5,362,482
% insured (estimated)	$83
Federal funds purchased and repurchase agreements	$125,007
Trading liabilities	$0
Other borrowed funds	$469,066
Subordinated debt	$0
All other liabilities	$63,522

Issued Loan Types

Type	Value (in 000's)
Net loans and leases	$5,307,084
Loan and leases loss allowance	$41,772
Total loans and leases (domestic)	$5,348,856
All real estate loans	$4,919,829
Real estate loans in domestic offices	$4,919,829
Construction and development loans	$707,044
Residential 1-4 family construction	$383,895
Other construction, all land development and other land	$323,149
Loans secured by nonfarm nonresidential properties	$1,355,347
Nonfarm nonresidential secured by owner-occupied properties	$459,801
Commercial real estate & other non-farm, non-residential	$895,546
Multifamily residential real estate	$1,127,233
1-4 family residential loans	$1,712,690
Farmland loans	$17,515
Loans held in foreign offices	$0
Farm loans	$12,285
Commercial and industrial loans	$366,246
To non-U.S. addressees	$0
Loans to individuals	$13,569
Credit card loans	$0
Related Plans	$3,374
Consumer Auto Loans	$1,693
Other loans to individuals	$8,502
All other loans & leases	$36,927
Loans to foreign governments and official institutions	$0
Other loans	$36,927
Loans to depository institutions and acceptances of other banks	$0
Loans not secured by real estate	$2,702
Loans secured by real estate to non-U.S. addressees	$0
Restructured Loans & leases	$51,706
Non 1-4 family restructured loans & leases	$48
Total loans and leases (foreign)	$0

HomeStreet Bank had $5,307,084,000 of loans outstanding in 2019. $4,919,829,000 of loans were in real estate loans. $707,044,000 of loans were in development loans. $1,127,233,000 of loans were in multifamily mortgage loans. $1,712,690,000 of loans were in 1-4 family mortgage loans. $12,285,000 of loans were in farm loans. $0 of loans were in credit card loans. $1,693,000 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	$81,727	$361,624
Nonfarm, nonresidential loans - <$100k	11	$221	$20,091
Nonfarm, nonresidential loans - $100-250k	31	$3,946	$127,290
Nonfarm, nonresidential loans - $250k-1MM	184	$77,560	$421,522
Commercial & Industrial, US addressed loans - <$1MM	405	$77,994	$192,578
Commercial & Industrial, US addressed loans - <$100k	107	$2,158	$20,168
Commercial & Industrial, US addressed loans - $100-250k	85	$6,385	$75,118
Commercial & Industrial, US addressed loans - $250k-1MM	213	$69,451	$326,061
Farmland loans - <$1MM	19	$3,146	$165,579
Farmland loans - <$100k	4	$83	$20,750
Farmland loans - $100-250k	6	$814	$135,667
Farmland loans - $250k-1MM	9	$2,249	$249,889
Agriculture operations loans - <$1MM	29	$3,042	$104,897
Agriculture operations loans - <$100k	9	$172	$19,111
Agriculture operations loans - $100-250k	7	$824	$117,714
Agriculture operations loans - $250k-1MM	13	$2,046	$157,385