Homestreet Bank Mortgage Rates, Fees & Info
Seattle, WALEI: 01KWVG908KE7RKPTNP46
Tax ID: 91-1299114
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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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 7.28% | 12/16/24 |
| 30 Year Conventional Purchase | 6.42% | 12/16/24 |
| 30 Year Conventional Refi | 6.45% | 12/16/24 |
| 30 Year Cash-out Refi | 6.61% | 12/16/24 |
| 30 Year FHA Purchase | 7.04% | 12/16/24 |
| 30 Year FHA Refi | 6.25% | 12/16/24 |
| 30 Year VA Purchase | 6.13% | 12/16/24 |
| 30 Year VA Refi | 6.23% | 12/16/24 |
| 30 Year USDA Purchase | 6.38% | 12/16/24 |
| 15 Year Conventional Purchase | 6.14% | 12/16/24 |
| 15 Year Conventional Refi | 6.20% | 12/16/24 |
| 15 Year Cash-out Refi | 6.20% | 12/16/24 |
| 15 Year FHA Purchase | 5.82% | 12/16/24 |
| 15 Year VA Purchase | 6.08% | 12/16/24 |
| 15 Year VA Refi | 5.71% | 12/16/24 |
| 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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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
10,510Origination Dollar Volume (All Markets)
$4,703,160,000Employee count
1,047Awards
HomeStreet Bank - 2019
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For 2019, less than of lenders were eligible for this award.
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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% |
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
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
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
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
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
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
2019 saw Homestreet Bank place emphasis on $200k-400k loans with 4,534 originations, totaling $1,325,380,000 in origination value.
Applicant Income
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
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
Approval Rates
Total approvals of all applications94.99%
Homestreet Bank has an average approval rate.
Pick Rate
Approvals leading to origination67.93%
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
LTV Distribution
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 |