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 Refi and Home Purchase 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: Seattle, Los Angeles, Portland, Spokane, and Bremerton among others. We have data for 100 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

6,879

Origination Dollar Volume (All Markets)

$3,984,245,000

Employee count

1,008

Awards

HomeStreet Bank 30 Year Conventional Loans bronze

HomeStreet Bank 30 Year Conventional Loans silver

Show all (9) 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)	3,390	$1,476,370,000	$435,507	$5,253	3.32%
Los Angeles-Long Beach-Anaheim, CA (FHA\|USDA\|VA)	290	$765,140,000	$2,638,414	$6,345	3.53%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA\|USDA\|VA)	1,282	$511,990,000	$399,368	$5,349	3.23%
SPOKANE-SPOKANE VALLEY, WA (FHA\|USDA\|VA)	265	$109,885,000	$414,660	$4,695	3.29%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA\|USDA\|VA)	210	$75,910,000	$361,476	$5,258	3.22%
San Francisco-Oakland-Berkeley, CA (FHA\|USDA\|VA)	30	$73,100,000	$2,436,667	$7,557	3.61%
PHOENIX-MESA-CHANDLER, AZ (FHA\|USDA\|VA)	46	$71,430,000	$1,552,826	$5,259	3.33%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA\|USDA\|VA)	82	$63,740,000	$777,317	$5,922	3.65%
Outside of Metro Areas	24	$56,930,000	$2,372,083	$5,316	3.19%
OLYMPIA-LACEY-TUMWATER, WA (FHA\|USDA\|VA)	188	$54,230,000	$288,457	$4,510	3.36%
SALT LAKE CITY, UT (FHA\|USDA\|VA)	3	$49,335,000	$16,445,000	$5,961	3.21%
WENATCHEE, WA (FHA\|USDA\|VA)	85	$39,665,000	$466,647	$5,111	3.26%
STOCKTON, CA (FHA\|USDA\|VA)	8	$39,640,000	$4,955,000	$8,681	3.38%
MEDFORD, OR (FHA\|USDA\|VA)	12	$36,000,000	$3,000,000	$9,153	3.58%
YAKIMA, WA (FHA\|USDA\|VA)	22	$28,330,000	$1,287,727	$6,325	3.79%
ALBANY-LEBANON, OR (FHA\|USDA\|VA)	6	$26,220,000	$4,370,000	$6,800	3.68%
URBAN HONOLULU, HI (FHA\|USDA\|VA)	70	$25,010,000	$357,286	$9,783	3.28%
Outside of Metro Areas	86	$23,860,000	$277,442	$4,678	3.25%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA\|USDA\|VA)	38	$22,510,000	$592,368	$8,120	3.61%
SALEM, OR (FHA\|USDA\|VA)	46	$22,410,000	$487,174	$4,669	3.16%
DENVER-AURORA-LAKEWOOD, CO (FHA\|USDA\|VA)	12	$22,240,000	$1,853,333	$4,853	3.24%
FRESNO, CA (FHA\|USDA\|VA)	8	$21,070,000	$2,633,750	$10,333	3.87%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA\|USDA\|VA)	12	$18,260,000	$1,521,667	$4,893	3.23%
BOISE CITY, ID (FHA\|USDA\|VA)	22	$18,020,000	$819,091	$3,973	3.44%
LONGVIEW, WA (FHA\|USDA\|VA)	46	$17,710,000	$385,000	$4,748	3.25%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA\|USDA\|VA)	16	$16,150,000	$1,009,375	$6,416	3.32%
Hermiston-Pendleton, OR (FHA\|USDA\|VA)	68	$14,570,000	$214,265	$5,012	3.27%
IDAHO FALLS, ID (FHA\|USDA\|VA)	3	$14,455,000	$4,818,333	$0	3.31%
BILLINGS, MT (FHA\|USDA\|VA)	2	$14,420,000	$7,210,000	$0	3.65%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA\|USDA\|VA)	13	$14,245,000	$1,095,769	$3,996	3.49%
KENNEWICK-RICHLAND, WA (FHA\|USDA\|VA)	53	$13,565,000	$255,943	$5,663	3.57%
Bozeman, MT (FHA\|USDA\|VA)	1	$12,955,000	$12,955,000	$0	3.75%
EUGENE-SPRINGFIELD, OR (FHA\|USDA\|VA)	13	$12,585,000	$968,077	$3,889	3.67%
BEND, OR (FHA\|USDA\|VA)	21	$11,675,000	$555,952	$4,202	3.47%
Ellensburg, WA (FHA\|USDA\|VA)	24	$11,520,000	$480,000	$5,734	3.27%
Oak Harbor, WA (FHA\|USDA\|VA)	27	$10,975,000	$406,481	$4,554	3.35%
Newport, OR (FHA\|USDA\|VA)	8	$10,710,000	$1,338,750	$4,930	3.53%
MISSOULA, MT (FHA\|USDA\|VA)	3	$10,165,000	$3,388,333	$0	3.40%
Shelton, WA (FHA\|USDA\|VA)	41	$10,085,000	$245,976	$4,357	3.22%
MOUNT VERNON-ANACORTES, WA (FHA\|USDA\|VA)	31	$10,035,000	$323,710	$4,204	3.68%
CHEYENNE, WY (FHA\|USDA\|VA)	1	$9,425,000	$9,425,000	$0	3.06%
POCATELLO, ID (FHA\|USDA\|VA)	1	$9,005,000	$9,005,000	$0	3.14%
BAKERSFIELD, CA (FHA\|USDA\|VA)	7	$8,725,000	$1,246,429	$5,073	3.21%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA\|USDA\|VA)	1	$6,965,000	$6,965,000	$0	3.35%
KAHULUI-WAILUKU-LAHAINA, HI (FHA\|USDA\|VA)	22	$6,950,000	$315,909	$6,831	3.26%
Aberdeen, WA (FHA\|USDA\|VA)	29	$6,815,000	$235,000	$4,938	3.36%
CORVALLIS, OR (FHA\|USDA\|VA)	8	$5,780,000	$722,500	$6,691	3.63%
Centralia, WA (FHA\|USDA\|VA)	19	$5,415,000	$285,000	$4,333	3.14%
BELLINGHAM, WA (FHA\|USDA\|VA)	18	$5,080,000	$282,222	$4,450	3.14%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA\|USDA\|VA)	1	$4,695,000	$4,695,000	$0	3.65%
SANTA ROSA-PETALUMA, CA (FHA\|USDA\|VA)	2	$4,670,000	$2,335,000	$3,862	3.19%
Hilo, HI (FHA\|USDA\|VA)	17	$4,295,000	$252,647	$6,864	3.48%
NAPA, CA (FHA\|USDA\|VA)	6	$4,080,000	$680,000	$0	5.23%
VALLEJO, CA (FHA\|USDA\|VA)	2	$3,260,000	$1,630,000	$0	3.51%
SANTA MARIA-SANTA BARBARA, CA (FHA\|USDA\|VA)	2	$2,990,000	$1,495,000	$0	4.61%
Hailey, ID (FHA\|USDA\|VA)	3	$2,575,000	$858,333	$4,691	3.51%
PUEBLO, CO (FHA\|USDA\|VA)	1	$2,505,000	$2,505,000	$0	3.40%
Coos Bay, OR (FHA\|USDA\|VA)	11	$2,335,000	$212,273	$3,846	3.56%
Roseburg, OR (FHA\|USDA\|VA)	8	$2,200,000	$275,000	$4,867	3.16%
Kapaa, HI (FHA\|USDA\|VA)	6	$2,180,000	$363,333	$9,461	3.38%
Astoria, OR (FHA\|USDA\|VA)	7	$2,115,000	$302,143	$4,101	3.27%
Moses Lake, WA (FHA\|USDA\|VA)	8	$1,940,000	$242,500	$5,794	3.75%
Port Angeles, WA (FHA\|USDA\|VA)	7	$1,725,000	$246,429	$5,409	2.93%
SALINAS, CA (FHA\|USDA\|VA)	3	$1,465,000	$488,333	$14,178	3.21%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA\|USDA\|VA)	4	$1,400,000	$350,000	$5,253	3.16%
WALLA WALLA, WA (FHA\|USDA\|VA)	5	$1,325,000	$265,000	$5,726	3.15%
LEWISTON, ID-WA (FHA\|USDA\|VA)	5	$1,105,000	$221,000	$4,849	3.10%
LAKE HAVASU CITY-KINGMAN, AZ (FHA\|USDA\|VA)	5	$1,075,000	$215,000	$4,975	3.48%
Prineville, OR (FHA\|USDA\|VA)	2	$1,060,000	$530,000	$5,971	3.31%
Brookings, OR (FHA\|USDA\|VA)	3	$1,005,000	$335,000	$4,665	2.96%
Gardnerville Ranchos, NV (FHA\|USDA\|VA)	3	$1,005,000	$335,000	$3,687	3.29%
BOULDER, CO (FHA\|USDA\|VA)	1	$935,000	$935,000	$7,979	3.00%
TUCSON, AZ (FHA\|USDA\|VA)	5	$905,000	$181,000	$5,568	3.83%
MODESTO, CA (FHA\|USDA\|VA)	4	$810,000	$202,500	$3,754	3.92%
YUBA CITY, CA (FHA\|USDA\|VA)	2	$810,000	$405,000	$2,982	2.75%
CHICO, CA (FHA\|USDA\|VA)	5	$765,000	$153,000	$3,846	4.43%
SANTA CRUZ-WATSONVILLE, CA (FHA\|USDA\|VA)	1	$745,000	$745,000	$12,197	3.38%
Hood River, OR (FHA\|USDA\|VA)	2	$640,000	$320,000	$6,703	2.88%
Othello, WA (FHA\|USDA\|VA)	3	$605,000	$201,667	$5,093	3.54%
Ontario, OR-ID (FHA\|USDA\|VA)	3	$505,000	$168,333	$3,847	3.91%
Heber, UT (FHA\|USDA\|VA)	1	$485,000	$485,000	$5,877	3.25%
Klamath Falls, OR (FHA\|USDA\|VA)	3	$475,000	$158,333	$3,151	3.33%
Pullman, WA (FHA\|USDA\|VA)	3	$425,000	$141,667	$6,279	3.63%
Glenwood Springs, CO (FHA\|USDA\|VA)	1	$375,000	$375,000	$2,206	3.00%
The Dalles, OR (FHA\|USDA\|VA)	3	$345,000	$115,000	$3,620	3.58%
GREELEY, CO (FHA\|USDA\|VA)	1	$345,000	$345,000	$3,501	2.75%
Red Bluff, CA (FHA\|USDA\|VA)	1	$285,000	$285,000	$3,600	3.50%
TWIN FALLS, ID (FHA\|USDA\|VA)	2	$280,000	$140,000	$3,086	4.82%
OGDEN-CLEARFIELD, UT (FHA\|USDA\|VA)	1	$265,000	$265,000	$3,942	2.63%
Sandpoint, ID (FHA\|USDA\|VA)	2	$260,000	$130,000	$3,100	4.98%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA\|USDA\|VA)	1	$245,000	$245,000	$0	2.88%
Pahrump, NV (FHA\|USDA\|VA)	1	$225,000	$225,000	$5,902	2.88%
Payson, AZ (FHA\|USDA\|VA)	1	$185,000	$185,000	$3,523	2.88%
PROVO-OREM, UT (FHA\|USDA\|VA)	2	$180,000	$90,000	$2,697	3.38%
Sonora, CA (FHA\|USDA\|VA)	1	$175,000	$175,000	$3,719	4.50%
Clearlake, CA (FHA\|USDA\|VA)	1	$165,000	$165,000	$4,100	3.63%
MADERA, CA (FHA\|USDA\|VA)	1	$155,000	$155,000	$8,533	2.88%
Burley, ID (FHA\|USDA\|VA)	1	$145,000	$145,000	$3,343	3.63%
Juneau, AK (FHA\|USDA\|VA)	1	$145,000	$145,000	$2,761	3.88%
MERCED, CA (FHA\|USDA\|VA)	1	$85,000	$85,000	$4,248	5.38%

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

Their top states include:

Washington (FHA|USDA|VA)

California (FHA|USDA|VA)

Oregon (FHA|USDA|VA)

Idaho (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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TRISTAR FINANCE, INC.
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American Mortgage and Insurance Inc.
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Product Mix

Loan Type	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Conventional	5,678	$3,659,770,000	$644,553	$4,808	3.21%
HELOC	496	$82,220,000	$165,766	n/a	4.90%
VA	362	$134,990,000	$372,901	$7,091	2.92%
FHA	324	$102,750,000	$317,130	$11,094	3.31%
USDA	19	$4,515,000	$237,632	$6,297	3.04%

For 2020, Homestreet Bank's most frequently originated type of loan was Conventional, with 5,678 originations. Their 2nd most popular type was HELOC, with 496 originations.

Loan Reason

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Refi	2,996	$2,014,940,000	$672,543	$4,200	3.17%
Home Purchase	2,077	$1,453,225,000	$699,675	$6,807	3.23%
Cash Out Refi	1,352	$435,040,000	$321,775	$5,381	3.34%
Other	276	$46,720,000	$169,275	$5,206	4.75%
Home Improvement	178	$34,320,000	$192,809	$5,352	4.51%

For 2020, Homestreet Bank's most frequently cited loan purpose was Refi, with 2,996 originations. The 2nd most popular reason was Home Purchase, with 2,077 originations.

Loan Duration/Length

Loan Length	Originations	Total Value	Average Loan	Average Fees	Average Rate
30 Year	5,299	$2,991,135,000	$564,472	$5,551	3.24%
15 Year	629	$332,155,000	$528,068	$4,094	2.83%
Other	539	$210,435,000	$390,417	$3,724	4.79%
20 Year	349	$101,065,000	$289,585	$3,532	3.15%
10 Year	57	$329,745,000	$5,785,000	$2,922	3.19%
30+ year	5	$1,595,000	$319,000	$16,360	3.40%
5 Year	1	$18,115,000	$18,115,000	$0	3.85%

For 2020, Homestreet Bank's most frequently cited loan duration was 30 Year, with 5,299 originations. The 2nd most popular length was 15 Year, with 629 originations.

Origination Fees/Closing Costs

Origination Fee/Closing Cost	Originations	Total Value	Average Loan
$1k-2k	3,077	$1,176,435,000	$382,332
$2k-3k	1,002	$328,100,000	$327,445
$5k+	623	$324,145,000	$520,297
$3k-4k	615	$223,965,000	$364,171
$4k-5k	431	$173,035,000	$401,473
$<1k	73	$20,565,000	$281,712

Homestreet Bank's average total fees were $5,551, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 3,077 originations.

Interest Rates

Loan Rate	Originations	Total Value	Average Loan
3-4%	3,457	$2,611,645,000	$755,466
2.5-3%	2,657	$1,122,615,000	$422,512
4-5%	388	$149,470,000	$385,232
<2.5%	168	$70,870,000	$421,845
5-6%	130	$22,420,000	$172,462
6-7%	60	$5,940,000	$99,000
7-8%	18	$1,200,000	$66,667
%	1	$85,000	$85,000

During 2020, Homestreet Bank's average interest rate for loans was 3.24%, while their most frequently originated rate bucket for loans was 3-4%, with 3,457 originations.

Loan Sizing

Loan Size	Originations	Total Value	Average Loan	Average Fees	Average Rate
$200k-400k	3,203	$944,895,000	$295,003	$4,945	3.24%
$400k-600k	1,511	$728,705,000	$482,267	$5,883	3.19%
$100k-200k	937	$144,905,000	$154,648	$3,663	3.44%
$600k-1MM	558	$402,350,000	$721,057	$7,048	3.25%
$1MM+	430	$1,747,620,000	$4,064,233	$9,341	3.44%
$100,000 or less	240	$15,770,000	$65,708	$3,295	4.80%

2020 saw Homestreet Bank place emphasis on $200k-400k loans with 3,203 originations, totaling $944,895,000 in origination value.

Applicant Income

Applicant Income	Originations	Total Value	Average Loan	Average Fees	Average Rate
$100k-150k	1,699	$612,955,000	$360,774	$5,296	3.34%
$150k-250k	1,252	$553,080,000	$441,757	$5,509	3.36%
$75k-100k	1,160	$353,740,000	$304,948	$5,125	3.32%
$50k-75k	1,092	$278,500,000	$255,037	$5,132	3.26%
$250k+	653	$420,185,000	$643,469	$6,203	3.41%
$50k or less	382	$66,420,000	$173,874	$4,383	3.25%

Homestreet Bank lent most frequently to those with incomes in the $100k-150k range, with 1,699 originations. The second most popular income band? $150k-250k, with 1,252 originations.

Applicant Debt to Income Ratio

DTI Ratio	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-30%	1,559	$551,465,000	$353,730	$4,794	3.26%
30-36%	1,260	$469,460,000	$372,587	$5,227	3.30%
<20%	526	$185,390,000	$352,452	$4,223	3.24%
44%	306	$111,600,000	$364,706	$5,750	3.44%
41%	275	$106,385,000	$386,855	$5,586	3.35%
42%	253	$99,705,000	$394,091	$5,320	3.41%
40%	246	$96,860,000	$393,740	$5,689	3.38%
43%	237	$88,025,000	$371,414	$5,867	3.42%
38%	235	$83,715,000	$356,234	$5,122	3.37%
37%	231	$90,295,000	$390,887	$5,842	3.41%
36%	220	$83,010,000	$377,318	$5,206	3.38%
39%	217	$79,855,000	$367,995	$5,538	3.40%
45%	158	$56,790,000	$359,430	$5,644	3.35%
47%	158	$53,100,000	$336,076	$6,186	3.38%
49%	147	$51,435,000	$349,898	$6,247	3.37%
46%	146	$51,800,000	$354,795	$6,097	3.38%
48%	125	$45,015,000	$360,120	$6,207	3.40%
50-60%	70	$27,400,000	$391,429	$10,590	3.25%
>60%	2	$1,100,000	$550,000	$20,203	2.81%

Homestreet Bank lent most frequently to those with DTI ratios of 20-30%, with 1,559 originations. The next most common DTI ratio? 30-36%, with 1,260 originations.

Ethnicity Mix

Applicant Ethnicity	Originations	Total Value	Average Loan	Average Fees	Average Rate
Not applicable	296	$1,520,310,000	$5,136,182	$0	3.53%
White	4,274	$1,516,060,000	$354,717	$5,157	3.32%
Not provided	1,625	$691,735,000	$425,683	$5,185	3.31%
Asian	343	$138,165,000	$402,813	$5,766	3.20%
Black	158	$53,370,000	$337,785	$6,541	3.25%
Native Hawaiian or Islander	79	$25,295,000	$320,190	$9,760	3.27%
American Indian	51	$14,535,000	$285,000	$5,291	3.33%
Asian Indian	16	$11,830,000	$739,375	$6,232	3.14%
Filipino	17	$4,975,000	$292,647	$4,874	3.47%
Other Asian	7	$3,195,000	$456,429	$4,625	3.11%
Japanese	2	$1,300,000	$650,000	$4,788	4.31%
Other Pacific Islander	4	$1,160,000	$290,000	$7,789	3.78%
Chinese	1	$735,000	$735,000	$6,000	2.75%
Korean	3	$695,000	$231,667	$3,347	3.79%
Vietnamese	1	$525,000	$525,000	$3,480	3.88%
Native Hawaiian	1	$335,000	$335,000	$17,583	3.63%
	1	$25,000	$25,000	$0	5.14%

Approval Rates

Total approvals of all applications
93.10%

Homestreet Bank has an average approval rate.

Pick Rate

Approvals leading to origination
80.48%

Homestreet Bank has a below average pick rate.

Points and Fees

Points	Originations	Total Value	Average Loan
NA	6,879	$3,984,245,000	$579,190

Occupancy Type Mix

Dwelling Type	Originations	Total Value	Average Loan
Multifamily:Manufactured	16	$95,510,000	$5,969,375
Multifamily:Site-Built	294	$1,487,770,000	$5,060,442
Single Family (1-4 Units):Manufactured	178	$39,240,000	$220,449
Single Family (1-4 Units):Site-Built	6,391	$2,361,725,000	$369,539

LTV Distribution

Loan to Value	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-40%	669	$198,355,000	$296,495	$3,740	3.51%
40-60%	1,515	$838,395,000	$553,396	$4,001	3.17%
60-80%	2,529	$2,121,625,000	$838,919	$5,160	3.30%
80-100%	1,616	$704,310,000	$435,835	$6,875	3.23%
Over 100%	32	$16,240,000	$507,500	$19,215	3.01%
Under 20%	319	$36,255,000	$113,652	$3,513	4.69%

Complaints

Bank Name	Product	Issue	2020 CPFB Complaints	% of Total Issues
HOMESTEAD FUNDING CORPORATION	Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	1	50.0%
HOMESTEAD FUNDING CORPORATION	Conventional home mortgage	Closing on a mortgage	1	50.0%

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	$30,416
Homestreet Bank	10802 Gravelly Lake Drive Southwest Lakewood, WA 98499	Full Service B&M	$71,111
Homestreet Bank	10820 Zelzah Avenue Granada Hills, CA 91344	Full Service B&M	$104,382
Homestreet Bank	1110 Rosecrans Street, Suite 101 San Diego, CA 92106	Full Service B&M	$71,143
Homestreet Bank	1118 N Vermont Ave. Los Angeles, CA 90029	Full Service B&M	$52,320
Homestreet Bank	120 Waianuenue Avenue Hilo, HI 96720	Full Service B&M	$88,367
Homestreet Bank	1238 State Avenue Marysville, WA 98270	Full Service B&M	$83,859
Homestreet Bank	12513 Lake City Way Ne Seattle, WA 98125	Full Service B&M	$18,353
Homestreet Bank	130 Andover Park East, Suite 100 Tukwila, WA 98188	Full Service B&M	$57,289
Homestreet Bank	1501 S Union Avenue Tacoma, WA 98405	Full Service B&M	$91,687
Homestreet Bank	15021 Main Street, Suite B Mill Creek, WA 98012	Full Service B&M	$15,157
Homestreet Bank	16230 Sw Pacific Highway Suite 140 Tigard, OR 97224	Full Service B&M	$118,530
Homestreet Bank	16389 Redmond Way Redmond, WA 98052	Full Service B&M	$36,672
Homestreet Bank	17901 Von Karman Avenue, Suite 100 Irvine, CA 92614	Full Service B&M	$173,949
Homestreet Bank	1820 Yakima Valley Highway, Suite B Sunnyside, WA 98944	Full Service B&M	$30,438
Homestreet Bank	1835 Queen Anne Avenue North Seattle, WA 98109	Full Service B&M	$113,212
Homestreet Bank	19405 44 Avenue West Lynnwood, WA 98036	Full Service B&M	$66,430
Homestreet Bank	2 South King Street Honolulu, HI 96813	Full Service B&M	$319,554
Homestreet Bank	2100 S.E. 164th Avenue, Suite F104 Vancouver, WA 98683	Full Service B&M	$84,484
Homestreet Bank	22 Northwest 23rd Avenue Portland, OR 97210	Full Service B&M	$73,939
Homestreet Bank	22001 66th Ave West Mountlake Terrace, WA 98043	Full Service B&M	$92,072
Homestreet Bank	252 S Lake Ave. Pasadena, CA 91101	Full Service B&M	$135,668
Homestreet Bank	26640 Western Ave. Ste. N Harbor City, CA 90710	Full Service B&M	$42,866
Homestreet Bank	2720 Hoyt Avenue, Suite B Everett, WA 98201	Full Service B&M	$46,473
Homestreet Bank	277 Rancheros Drive, Suite 300 San Marcos, CA 92069	Full Service B&M	$99,900
Homestreet Bank	3119 Baldwin Park Boulevard, Suite A Baldwin Park, CA 91706	Full Service B&M	$17,988
Homestreet Bank	333 North Glenoaks Boulevard Burbank, CA 91502	Full Service B&M	$47,329
Homestreet Bank	33525 Pacific Highway South Federal Way, WA 98003	Full Service B&M	$83,433
Homestreet Bank	3417 Evanston Ave N. Seattle, WA 98103	Full Service B&M	$47,152
Homestreet Bank	3660 Waialae Avenue, Suite 108 Honolulu, HI 96816	Full Service B&M	$65,508
Homestreet Bank	368 Broadway El Cajon, CA 92021	Full Service B&M	$55,987
Homestreet Bank	3844 La Sierra Avenue Suite A Riverside, CA 92505	Full Service B&M	$27,723
Homestreet Bank	3970 Sw Mercantile Drive, Suite 105 Lake Oswego, OR 97035	Full Service B&M	$62,559
Homestreet Bank	4022 Sw Alaska St Seattle, WA 98116	Full Service B&M	$79,481
Homestreet Bank	4036 E Madison Street Seattle, WA 98112	Full Service B&M	$43,744
Homestreet Bank	417 Ne 72nd Street Seattle, WA 98115	Full Service B&M	$19,382
Homestreet Bank	424 E. Yakima Avenue Yakima, WA 98901	Full Service B&M	$90,159
Homestreet Bank	427 East Main Street Dayton, WA 99328	Full Service B&M	$41,899
Homestreet Bank	4949 Borgen Boulevard, Suite B101 Gig Harbor, WA 98332	Full Service B&M	$16,270
Homestreet Bank	500 108th Avenue Ne, Suite 1e1 Bellevue, WA 98004	Full Service B&M	$129,563
Homestreet Bank	5001 - 25th Avenue Ne, Suite 100 Seattle, WA 98105	Full Service B&M	$19,236
Homestreet Bank	505 West Harrison Street Kent, WA 98032	Full Service B&M	$77,168
Homestreet Bank	5900 24th Avenue Nw Seattle, WA 98107	Full Service B&M	$29,108
Homestreet Bank	601 Union Street, Suite 2000 Seattle, WA 98101	Full Service B&M	$1,474,885
Homestreet Bank	650 S Grand Ave Suite 105 Glendora, CA 91740	Full Service B&M	$67,181
Homestreet Bank	6515 Mission Gorge Road Suite 6515 San Diego, CA 92120	Full Service B&M	$24,511
Homestreet Bank	6949 Coal Creek Parkway Southeast Newcastle, WA 98059	Full Service B&M	$100,435
Homestreet Bank	700 Broadway East, Unit D Seattle, WA 98102	Full Service B&M	$36,895
Homestreet Bank	7307 Greenwood Avenue Seattle, WA 98103	Full Service B&M	$50,468
Homestreet Bank	7510 W. Clearwater Avenue Kennewick, WA 99336	Full Service B&M	$20,456
Homestreet Bank	781 Lawrence Expressway Santa Clara, CA 95051	Full Service B&M	$22,738
Homestreet Bank	8050 15th Ave Nw Seattle, WA 98117	Full Service B&M	$116,497
Homestreet Bank	810 Sleater Kinney Rd Se, Ste B Lacey, WA 98503	Full Service B&M	$67,461
Homestreet Bank	818 W. Riverside Avenue, Suite 120 Spokane, WA 99201	Full Service B&M	$13,096
Homestreet Bank	8200 35th Ave Ne Seattle, WA 98115	Full Service B&M	$207,476
Homestreet Bank	8501 Van Nuys Boulevard Panorama City, CA 91402	Full Service B&M	$97,210
Homestreet Bank	8860 Apollo Way, Suite 328 Downey, CA 90242	Full Service B&M	$64,793
Homestreet Bank	909 Ne Ellis Drive Issaquah, WA 98029	Full Service B&M	$62,047
Homestreet Bank	921 Hildebrand Lane Suite 100 Bainbridge Island, WA 98110	Full Service B&M	$46,618
Homestreet Bank	9363 Clairemont Mesa Boulevard, Suite S San Diego, CA 92123	Full Service B&M	$12,544
Homestreet Bank	9714 Sierra Avenue, Suite 101 Fontana, CA 92335	Full Service B&M	$50,194
Homestreet Bank	98-1258 Kaahumanu Street, Suite 104 Pearl City, HI 96782	Full Service B&M	$82,422

For 2020, Homestreet Bank had 62 branches.

Yearly Performance Overview

Bank Income

Item	Value (in 000's)
Total interest income	$256,571
Net interest income	$219,063
Total noninterest income	$134,840
Gross Fiduciary activities income	$0
Service charges on deposit accounts	$2,496
Trading account gains and fees	$0
Additional Noninterest Income	$132,344
Pre-tax net operating income	$104,507
Securities gains (or losses, -)	$341
Income before extraordinary items	$82,188
Discontinued Operations (Extraordinary gains, net)	$0
Net income of bank and minority interests	$82,188
Minority interest net income	$0
Net income	$82,188
Sale, conversion, retirement of capital stock, net	$2,783
Net operating income	$81,918

Homestreet Bank's gross interest income from loans was $256,571,000.
Homestreet Bank's net interest income from loans was $219,063,000.
Homestreet Bank's fee based income from loans was $2,496,000.
Homestreet Bank's net income from loans was $82,188,000.

Bank Expenses

Item	Value (in 000's)
Total interest expense	$37,508
Provision for credit losses	$19,946
Total noninterest expense	$229,450
Salaries and employee benefits	$133,003
Premises and equipment expense	$34,407
Additional noninterest expense	$62,040
Applicable income taxes	$22,660
Net charge-offs	$1,164
Cash dividends	$82,909

Homestreet Bank's interest expense for loans was $37,508,000.
Homestreet Bank's payroll and benefits expense were $133,003,000.
Homestreet Bank's property, plant and equipment expenses $34,407,000.

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	1.0%
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	$5,847,054
Deposits held in domestic offices	$5,847,054
Deposits by Individuals, partnerships, and corporations	$5,443,266
Deposits by U.S. Government	$0
Deposits by States and political subdivisions in the U.S.	$330,945
Deposits by Commercial banks and other depository institutions in U.S.	$72,843
Deposits by Banks in foreign countries	$0
Deposits by Foreign governments and official institutions	$0
Transaction accounts	$315,998
Demand deposits	$218,979
Nontransaction accounts	$5,531,056
Money market deposit accounts (MMDAs)	$2,596,312
Other savings deposits (excluding MMDAs)	$1,794,962
Total time deposits	$1,139,782
Total time and savings deposits	$5,628,075
Noninterest-bearing deposits	$1,362,692
Interest-bearing deposits	$4,484,362
Retail deposits	$5,506,817
IRAs and Keogh plan accounts	$98,203
Brokered deposits	$210,046
Deposits held in foreign offices	$0

Assets

Asset	Value (in 000's)
Total Assets	$7,189,782
Cash & Balances due from depository institutions	$51,939
Interest-bearing balances	$20,359
Total securities	$1,068,675
Federal funds sold & reverse repurchase	$0
Net loans and leases	$5,643,568
Loan and leases loss allowance	$64,294
Trading account assets	$0
Bank premises and fixed assets	$102,310
Other real estate owned	$2,269
Goodwill and other intangibles	$87,315
All other assets	$233,706

Liabilities

Liabilities	Value (in 000's)
Total liabilities and capital	$7,189,782
Total Liabilities	$6,409,251
Total deposits	$5,847,054
Interest-bearing deposits	$4,484,362
Deposits held in domestic offices	$5,847,054
% insured (estimated)	$81
Federal funds purchased and repurchase agreements	$0
Trading liabilities	$0
Other borrowed funds	$488,209
Subordinated debt	$0
All other liabilities	$73,988

Issued Loan Types

Type	Value (in 000's)
Net loans and leases	$5,643,568
Loan and leases loss allowance	$64,294
Total loans and leases (domestic)	$5,707,862
All real estate loans	$5,052,610
Real estate loans in domestic offices	$5,052,610
Construction and development loans	$551,438
Residential 1-4 family construction	$335,224
Other construction, all land development and other land	$216,214
Loans secured by nonfarm nonresidential properties	$1,281,272
Nonfarm nonresidential secured by owner-occupied properties	$451,734
Commercial real estate & other non-farm, non-residential	$829,538
Multifamily residential real estate	$1,595,030
1-4 family residential loans	$1,609,349
Farmland loans	$15,521
Loans held in foreign offices	$0
Farm loans	$11,844
Commercial and industrial loans	$624,185
To non-U.S. addressees	$0
Loans to individuals	$9,178
Credit card loans	$0
Related Plans	$2,992
Consumer Auto Loans	$1,070
Other loans to individuals	$5,116
All other loans & leases	$10,045
Loans to foreign governments and official institutions	$0
Other loans	$10,045
Loans to depository institutions and acceptances of other banks	$0
Loans not secured by real estate	$0
Loans secured by real estate to non-U.S. addressees	$0
Restructured Loans & leases	$52,109
Non 1-4 family restructured loans & leases	$33
Total loans and leases (foreign)	$0

HomeStreet Bank had $5,643,568,000 of loans outstanding in 2020. $5,052,610,000 of loans were in real estate loans. $551,438,000 of loans were in development loans. $1,595,030,000 of loans were in multifamily mortgage loans. $1,609,349,000 of loans were in 1-4 family mortgage loans. $11,844,000 of loans were in farm loans. $0 of loans were in credit card loans. $1,070,000 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	207	$74,338	$359,121
Nonfarm, nonresidential loans - <$100k	7	$41	$5,857
Nonfarm, nonresidential loans - $100-250k	27	$3,289	$121,815
Nonfarm, nonresidential loans - $250k-1MM	173	$71,008	$410,451
Commercial & Industrial, US addressed loans - <$1MM	1,661	$182,735	$110,015
Commercial & Industrial, US addressed loans - <$100k	1,066	$34,416	$32,285
Commercial & Industrial, US addressed loans - $100-250k	287	$38,098	$132,746
Commercial & Industrial, US addressed loans - $250k-1MM	308	$110,221	$357,860
Farmland loans - <$1MM	14	$2,369	$169,214
Farmland loans - <$100k	3	$60	$20,000
Farmland loans - $100-250k	4	$470	$117,500
Farmland loans - $250k-1MM	7	$1,839	$262,714
Agriculture operations loans - <$1MM	15	$2,263	$150,867
Agriculture operations loans - <$100k	5	$116	$23,200
Agriculture operations loans - $100-250k	4	$702	$175,500
Agriculture operations loans - $250k-1MM	6	$1,445	$240,833