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 Olympia among others. We have data for 101 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%	4/28/24
30 Year Conventional Purchase	6.42%	4/28/24
30 Year Conventional Refi	6.45%	4/28/24
30 Year Cash-out Refi	6.61%	4/28/24
30 Year FHA Purchase	7.04%	4/28/24
30 Year FHA Refi	6.25%	4/28/24
30 Year VA Purchase	6.13%	4/28/24
30 Year VA Refi	6.23%	4/28/24
30 Year USDA Purchase	6.38%	4/28/24
15 Year Conventional Purchase	6.14%	4/28/24
15 Year Conventional Refi	6.20%	4/28/24
15 Year Cash-out Refi	6.20%	4/28/24
15 Year FHA Purchase	5.82%	4/28/24
15 Year VA Purchase	6.08%	4/28/24
15 Year VA Refi	5.71%	4/28/24
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

6,781

Origination Dollar Volume (All Markets)

$4,414,675,000

Employee count

966

Awards

HomeStreet Bank 30 Year Conventional Loans gold

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)	3,200	$1,474,800,000	$460,875	$5,610	3.20%
Los Angeles-Long Beach-Anaheim, CA (FHA\|USDA\|VA)	371	$1,050,435,000	$2,831,361	$7,741	3.36%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA\|USDA\|VA)	1,110	$513,050,000	$462,207	$5,632	3.11%
SPOKANE-SPOKANE VALLEY, WA (FHA\|USDA\|VA)	244	$121,340,000	$497,295	$5,355	3.17%
OLYMPIA-LACEY-TUMWATER, WA (FHA\|USDA\|VA)	175	$107,695,000	$615,400	$5,002	3.18%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA\|USDA\|VA)	216	$98,990,000	$458,287	$6,443	3.16%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA\|USDA\|VA)	93	$94,095,000	$1,011,774	$6,359	3.26%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA\|USDA\|VA)	64	$79,490,000	$1,242,031	$6,912	3.66%
San Francisco-Oakland-Berkeley, CA (FHA\|USDA\|VA)	41	$51,195,000	$1,248,659	$10,706	3.47%
WENATCHEE, WA (FHA\|USDA\|VA)	78	$49,320,000	$632,308	$5,833	3.31%
SALEM, OR (FHA\|USDA\|VA)	65	$41,555,000	$639,308	$6,397	3.00%
EUGENE-SPRINGFIELD, OR (FHA\|USDA\|VA)	24	$40,770,000	$1,698,750	$4,553	3.26%
URBAN HONOLULU, HI (FHA\|USDA\|VA)	108	$36,610,000	$338,981	$9,827	2.60%
PHOENIX-MESA-CHANDLER, AZ (FHA\|USDA\|VA)	50	$34,510,000	$690,200	$4,726	3.16%
Outside of Metro Areas	24	$32,160,000	$1,340,000	$6,078	3.59%
Ellensburg, WA (FHA\|USDA\|VA)	39	$29,715,000	$761,923	$7,272	3.32%
BEND, OR (FHA\|USDA\|VA)	29	$29,575,000	$1,019,828	$4,860	3.09%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA\|USDA\|VA)	13	$27,935,000	$2,148,846	$8,271	3.17%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA\|USDA\|VA)	16	$26,070,000	$1,629,375	$5,022	3.39%
LONGVIEW, WA (FHA\|USDA\|VA)	56	$24,610,000	$439,464	$5,384	3.11%
Outside of Metro Areas	87	$23,675,000	$272,126	$5,302	3.17%
DENVER-AURORA-LAKEWOOD, CO (FHA\|USDA\|VA)	6	$22,830,000	$3,805,000	$3,568	3.08%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA\|USDA\|VA)	2	$21,760,000	$10,880,000	$0	3.23%
KENNEWICK-RICHLAND, WA (FHA\|USDA\|VA)	78	$20,800,000	$266,667	$5,211	3.25%
Oak Harbor, WA (FHA\|USDA\|VA)	40	$17,190,000	$429,750	$5,929	3.00%
Kalispell, MT (FHA\|USDA\|VA)	1	$16,445,000	$16,445,000	$0	3.52%
GREELEY, CO (FHA\|USDA\|VA)	3	$16,335,000	$5,445,000	$4,073	3.08%
Hermiston-Pendleton, OR (FHA\|USDA\|VA)	68	$16,180,000	$237,941	$6,243	2.97%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA\|USDA\|VA)	7	$13,085,000	$1,869,286	$6,258	3.07%
FORT COLLINS, CO (FHA\|USDA\|VA)	1	$12,805,000	$12,805,000	$0	3.30%
SALT LAKE CITY, UT (FHA\|USDA\|VA)	3	$12,015,000	$4,005,000	$5,771	2.98%
Newport, OR (FHA\|USDA\|VA)	8	$11,620,000	$1,452,500	$5,598	3.24%
COLORADO SPRINGS, CO (FHA\|USDA\|VA)	2	$11,270,000	$5,635,000	$3,556	3.00%
Aberdeen, WA (FHA\|USDA\|VA)	36	$11,140,000	$309,444	$4,988	3.04%
IDAHO FALLS, ID (FHA\|USDA\|VA)	1	$11,125,000	$11,125,000	$0	2.94%
MISSOULA, MT (FHA\|USDA\|VA)	3	$10,405,000	$3,468,333	$0	3.67%
Helena, MT (FHA\|USDA\|VA)	1	$10,045,000	$10,045,000	$0	3.44%
TUCSON, AZ (FHA\|USDA\|VA)	9	$9,855,000	$1,095,000	$3,903	3.29%
MOUNT VERNON-ANACORTES, WA (FHA\|USDA\|VA)	27	$9,135,000	$338,333	$5,274	3.37%
BOISE CITY, ID (FHA\|USDA\|VA)	22	$8,960,000	$407,273	$6,393	3.01%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA\|USDA\|VA)	7	$8,405,000	$1,200,714	$6,662	3.19%
Shelton, WA (FHA\|USDA\|VA)	32	$8,240,000	$257,500	$5,360	3.18%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA\|USDA\|VA)	2	$7,860,000	$3,930,000	$0	3.15%
BELLINGHAM, WA (FHA\|USDA\|VA)	22	$7,690,000	$349,545	$4,533	3.12%
Dallas-Fort Worth-Arlington, TX (FHA\|USDA\|VA)	1	$7,205,000	$7,205,000	$0	3.40%
MODESTO, CA (FHA\|USDA\|VA)	1	$7,195,000	$7,195,000	$0	3.65%
GRANTS PASS, OR (FHA\|USDA\|VA)	4	$6,960,000	$1,740,000	$6,562	2.65%
Hilo, HI (FHA\|USDA\|VA)	29	$6,915,000	$238,448	$6,130	3.02%
Centralia, WA (FHA\|USDA\|VA)	20	$6,910,000	$345,500	$6,349	2.95%
KAHULUI-WAILUKU-LAHAINA, HI (FHA\|USDA\|VA)	22	$6,150,000	$279,545	$6,942	2.68%
YAKIMA, WA (FHA\|USDA\|VA)	28	$6,120,000	$218,571	$5,503	3.58%
AMARILLO, TX (FHA\|USDA\|VA)	1	$6,005,000	$6,005,000	$0	3.75%
MEDFORD, OR (FHA\|USDA\|VA)	5	$4,335,000	$867,000	$4,116	3.02%
Ukiah, CA (FHA\|USDA\|VA)	1	$4,315,000	$4,315,000	$0	3.45%
SANTA MARIA-SANTA BARBARA, CA (FHA\|USDA\|VA)	1	$3,905,000	$3,905,000	$0	3.55%
VALLEJO, CA (FHA\|USDA\|VA)	11	$3,805,000	$345,909	$5,810	3.57%
MADERA, CA (FHA\|USDA\|VA)	6	$3,620,000	$603,333	$3,374	2.87%
Moses Lake, WA (FHA\|USDA\|VA)	12	$3,310,000	$275,833	$4,244	3.04%
HANFORD-CORCORAN, CA (FHA\|USDA\|VA)	1	$3,295,000	$3,295,000	$0	3.67%
VISALIA, CA (FHA\|USDA\|VA)	1	$2,725,000	$2,725,000	$0	3.45%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA\|USDA\|VA)	2	$2,660,000	$1,330,000	$6,433	3.19%
Sandpoint, ID (FHA\|USDA\|VA)	5	$2,445,000	$489,000	$5,840	2.88%
SALINAS, CA (FHA\|USDA\|VA)	3	$2,435,000	$811,667	$3,923	3.55%
NAPA, CA (FHA\|USDA\|VA)	7	$2,355,000	$336,429	$5,484	4.13%
Port Angeles, WA (FHA\|USDA\|VA)	8	$2,350,000	$293,750	$5,476	3.12%
STOCKTON, CA (FHA\|USDA\|VA)	3	$2,315,000	$771,667	$13,272	3.42%
BAKERSFIELD, CA (FHA\|USDA\|VA)	12	$2,220,000	$185,000	$3,641	3.26%
Klamath Falls, OR (FHA\|USDA\|VA)	12	$2,200,000	$183,333	$4,828	3.04%
SANTA CRUZ-WATSONVILLE, CA (FHA\|USDA\|VA)	3	$2,175,000	$725,000	$13,085	2.96%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA\|USDA\|VA)	6	$2,000,000	$333,333	$6,746	3.33%
Roseburg, OR (FHA\|USDA\|VA)	6	$1,750,000	$291,667	$5,635	3.15%
WALLA WALLA, WA (FHA\|USDA\|VA)	6	$1,700,000	$283,333	$5,018	2.73%
Hailey, ID (FHA\|USDA\|VA)	3	$1,575,000	$525,000	$10,010	3.36%
Moscow, ID (FHA\|USDA\|VA)	6	$1,540,000	$256,667	$5,454	3.04%
CHICO, CA (FHA\|USDA\|VA)	5	$1,535,000	$307,000	$4,666	3.71%
Pullman, WA (FHA\|USDA\|VA)	6	$1,450,000	$241,667	$4,052	2.94%
BOULDER, CO (FHA\|USDA\|VA)	3	$1,435,000	$478,333	$9,003	2.92%
ALBANY-LEBANON, OR (FHA\|USDA\|VA)	4	$1,420,000	$355,000	$3,804	2.84%
LEWISTON, ID-WA (FHA\|USDA\|VA)	6	$1,320,000	$220,000	$8,551	2.85%
SANTA ROSA-PETALUMA, CA (FHA\|USDA\|VA)	3	$1,275,000	$425,000	$7,735	3.25%
Prineville, OR (FHA\|USDA\|VA)	3	$1,225,000	$408,333	$8,522	3.17%
Astoria, OR (FHA\|USDA\|VA)	4	$1,190,000	$297,500	$5,402	2.63%
Brookings, OR (FHA\|USDA\|VA)	3	$755,000	$251,667	$6,301	2.83%
Kapaa, HI (FHA\|USDA\|VA)	2	$690,000	$345,000	$12,108	2.25%
LAKE HAVASU CITY-KINGMAN, AZ (FHA\|USDA\|VA)	3	$675,000	$225,000	$3,285	2.96%
TWIN FALLS, ID (FHA\|USDA\|VA)	2	$640,000	$320,000	$6,613	2.69%
FRESNO, CA (FHA\|USDA\|VA)	4	$640,000	$160,000	$4,510	3.67%
Hood River, OR (FHA\|USDA\|VA)	3	$615,000	$205,000	$5,276	3.54%
The Dalles, OR (FHA\|USDA\|VA)	3	$575,000	$191,667	$4,382	2.96%
CORVALLIS, OR (FHA\|USDA\|VA)	2	$560,000	$280,000	$3,929	3.13%
Gardnerville Ranchos, NV (FHA\|USDA\|VA)	2	$560,000	$280,000	$2,807	2.75%
Coos Bay, OR (FHA\|USDA\|VA)	2	$560,000	$280,000	$4,355	3.19%
YUBA CITY, CA (FHA\|USDA\|VA)	1	$485,000	$485,000	$3,646	2.38%
Ontario, OR-ID (FHA\|USDA\|VA)	2	$470,000	$235,000	$9,293	2.88%
RENO, NV (FHA\|USDA\|VA)	2	$280,000	$140,000	$3,101	3.25%
MERCED, CA (FHA\|USDA\|VA)	1	$265,000	$265,000	$3,253	3.00%
La Grande, OR (FHA\|USDA\|VA)	1	$195,000	$195,000	$7,497	2.63%
Breckenridge, CO (FHA\|USDA\|VA)	1	$175,000	$175,000	$3,786	3.13%
Winnemucca, NV (FHA\|USDA\|VA)	1	$155,000	$155,000	$3,286	2.38%
ANCHORAGE, AK (FHA\|USDA\|VA)	1	$145,000	$145,000	$0	2.88%
Clearlake, CA (FHA\|USDA\|VA)	1	$105,000	$105,000	$0	3.50%

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

Their top states include:

Washington (FHA|USDA|VA)

California (FHA|USDA|VA)

Oregon (FHA|USDA|VA)

Colorado (FHA|USDA|VA)

Idaho (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.

HONOLULU
Similarity Rank: 53

ALOHA PACIFIC
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Yakima Federal Savings and Loan Association
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University of Hawaii Federal Credit Union
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HAWAIIAN FINANCIAL
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SPOKANE FIREFIGHTERS CREDIT UNION
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Sierra Central Credit Union
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HAWAII STATE FEDERAL CREDIT UNION
Similarity Rank: 404

Olympia Federal Savings & Loan Association
Similarity Rank: 410

Product Mix

Loan Type	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Conventional	5,272	$4,002,230,000	$759,148	$5,271	3.03%
HELOC	820	$165,130,000	$201,378	n/a	4.58%
VA	360	$140,000,000	$388,889	$7,620	2.62%
FHA	322	$105,400,000	$327,329	$11,354	2.75%
USDA	7	$1,915,000	$273,571	$6,999	2.86%

For 2021, Homestreet Bank's most frequently originated type of loan was Conventional, with 5,272 originations. Their 2nd most popular type was HELOC, with 820 originations.

Loan Reason

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Refi	2,405	$1,942,235,000	$807,582	$4,582	2.90%
Home Purchase	2,136	$1,825,820,000	$854,785	$7,190	3.10%
Cash Out Refi	1,500	$493,470,000	$328,980	$5,693	3.14%
Home Improvement	398	$75,330,000	$189,271	$5,773	4.40%
Other	342	$77,820,000	$227,544	$5,894	4.43%

For 2021, Homestreet Bank's most frequently cited loan purpose was Refi, with 2,405 originations. The 2nd most popular reason was Home Purchase, with 2,136 originations.

Loan Duration/Length

Loan Length	Originations	Total Value	Average Loan	Average Fees	Average Rate
30 Year	4,913	$3,254,485,000	$662,423	$6,083	3.06%
Other	858	$369,710,000	$430,897	$3,267	4.52%
15 Year	715	$483,775,000	$676,608	$4,500	2.48%
20 Year	247	$69,465,000	$281,235	$3,989	3.01%
10 Year	41	$221,275,000	$5,396,951	$3,072	3.11%
30+ year	5	$2,555,000	$511,000	$14,213	2.53%
5 Year	2	$13,410,000	$6,705,000	$0	3.42%

For 2021, Homestreet Bank's most frequently cited loan duration was 30 Year, with 4,913 originations. The 2nd most popular length was Other, with 858 originations.

Origination Fees/Closing Costs

Origination Fee/Closing Cost	Originations	Total Value	Average Loan
$1k-2k	2,788	$1,136,680,000	$407,704
$2k-3k	765	$274,465,000	$358,778
$5k+	754	$432,440,000	$573,528
$3k-4k	544	$208,270,000	$382,849
$4k-5k	375	$161,775,000	$431,400
$<1k	122	$34,300,000	$281,148

Homestreet Bank's average total fees were $6,083, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 2,788 originations.

Interest Rates

Loan Rate	Originations	Total Value	Average Loan
2.5-3%	2,826	$1,164,310,000	$411,999
3-4%	2,384	$2,792,360,000	$1,171,292
<2.5%	768	$234,000,000	$304,688
4-5%	660	$201,000,000	$304,545
5-6%	127	$22,165,000	$174,528
6-7%	16	$840,000	$52,500

During 2021, Homestreet Bank's average interest rate for loans was 3.06%, while their most frequently originated rate bucket for loans was 2.5-3%, with 2,826 originations.

Loan Sizing

Loan Size	Originations	Total Value	Average Loan	Average Fees	Average Rate
$200k-400k	2,702	$787,240,000	$291,355	$5,110	3.08%
$400k-600k	1,471	$713,195,000	$484,837	$6,444	3.02%
$100k-200k	1,027	$156,835,000	$152,712	$3,886	3.27%
$600k-1MM	723	$530,945,000	$734,364	$7,683	3.14%
$1MM+	538	$2,205,620,000	$4,099,665	$10,281	3.30%
$100,000 or less	320	$20,840,000	$65,125	$3,225	4.31%

2021 saw Homestreet Bank place emphasis on $200k-400k loans with 2,702 originations, totaling $787,240,000 in origination value.

Applicant Income

Applicant Income	Originations	Total Value	Average Loan	Average Fees	Average Rate
$100k-150k	1,531	$571,305,000	$373,158	$5,829	3.20%
$150k-250k	1,352	$636,120,000	$470,503	$6,488	3.27%
$75k-100k	1,101	$338,365,000	$307,325	$5,495	3.15%
$50k-75k	1,057	$269,945,000	$255,388	$5,205	3.06%
$250k+	757	$532,555,000	$703,507	$7,289	3.36%
$50k or less	401	$71,565,000	$178,466	$4,498	2.99%

Homestreet Bank lent most frequently to those with incomes in the $100k-150k range, with 1,531 originations. The second most popular income band? $150k-250k, with 1,352 originations.

Applicant Debt to Income Ratio

DTI Ratio	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-30%	1,402	$527,740,000	$376,419	$5,309	3.10%
30-36%	1,193	$470,655,000	$394,514	$5,823	3.18%
<20%	566	$186,040,000	$328,693	$4,462	3.15%
44%	298	$104,680,000	$351,275	$6,309	3.43%
43%	293	$108,895,000	$371,655	$6,443	3.26%
42%	272	$110,350,000	$405,699	$6,053	3.17%
40%	261	$105,505,000	$404,234	$6,048	3.23%
41%	258	$111,790,000	$433,295	$5,720	3.29%
39%	252	$104,570,000	$414,960	$5,884	3.27%
38%	227	$93,995,000	$414,075	$6,137	3.22%
36%	218	$91,440,000	$419,450	$6,335	3.18%
37%	210	$85,470,000	$407,000	$5,823	3.22%
45%	181	$68,785,000	$380,028	$6,320	3.32%
46%	173	$77,845,000	$449,971	$6,566	3.23%
49%	151	$55,605,000	$368,245	$6,162	3.24%
47%	140	$60,210,000	$430,071	$5,923	3.19%
48%	126	$52,530,000	$416,905	$6,647	3.10%
50-60%	89	$38,185,000	$429,045	$11,709	2.98%
>60%	3	$1,845,000	$615,000	$9,547	2.75%

Homestreet Bank lent most frequently to those with DTI ratios of 20-30%, with 1,402 originations. The next most common DTI ratio? 30-36%, with 1,193 originations.

Ethnicity Mix

Applicant Ethnicity	Originations	Total Value	Average Loan	Average Fees	Average Rate
Not applicable	306	$1,883,360,000	$6,154,771	$0	3.33%
White	4,208	$1,579,770,000	$375,421	$5,603	3.20%
Not provided	1,412	$615,440,000	$435,864	$5,702	3.15%
Asian	437	$193,835,000	$443,558	$6,461	3.19%
Black	185	$61,185,000	$330,730	$6,166	3.19%
Native Hawaiian or Islander	111	$32,345,000	$291,396	$10,336	2.54%
American Indian	58	$19,690,000	$339,483	$5,531	3.04%
Asian Indian	23	$12,375,000	$538,043	$6,503	3.31%
Filipino	16	$4,640,000	$290,000	$5,010	3.13%
Korean	3	$3,465,000	$1,155,000	$5,075	3.56%
Other Asian	7	$2,215,000	$316,429	$5,140	2.92%
Chinese	3	$1,815,000	$605,000	$7,385	3.21%
Japanese	4	$1,790,000	$447,500	$4,753	3.06%
Vietnamese	4	$1,520,000	$380,000	$7,021	3.22%
Samoan	1	$605,000	$605,000	$6,927	2.88%
Other Pacific Islander	2	$430,000	$215,000	$2,378	3.62%
Guamanian	1	$195,000	$195,000	$0	5.49%

Approval Rates

Total approvals of all applications
93.49%

Homestreet Bank has an average approval rate.

Pick Rate

Approvals leading to origination
84.49%

Homestreet Bank has a below average pick rate.

Points and Fees

Points	Originations	Total Value	Average Loan
NA	6,781	$4,414,675,000	$651,036

Occupancy Type Mix

Dwelling Type	Originations	Total Value	Average Loan
	6,781	$4,414,675,000	$651,036

LTV Distribution

Loan to Value	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-40%	938	$292,450,000	$311,780	$4,006	3.37%
40-60%	1,561	$985,685,000	$631,445	$4,646	2.99%
60-80%	2,251	$2,324,255,000	$1,032,543	$6,030	3.11%
80-100%	1,347	$680,985,000	$505,557	$7,315	3.03%
Over 100%	32	$15,830,000	$494,688	$19,486	2.77%
Under 20%	499	$66,255,000	$132,776	$3,858	4.38%

Complaints

Bank Name	Product	Issue	2021 CPFB Complaints	% of Total Issues
HOMESTEAD FUNDING CORPORATION	Conventional home mortgage	Struggling to pay mortgage	1	33.3%
HOMESTEAD FUNDING CORPORATION	Conventional home mortgage	Trouble during payment process	1	33.3%
HOMESTEAD FUNDING CORPORATION	FHA mortgage	Closing on a mortgage	1	33.3%

Bank Details

Branches

Bank Name	Branch	Branch Type	Deposits (000's)
Homestreet Bank	10802 Gravelly Lake Drive Southwest Lakewood, WA 98499	Full Service B&M	$61,676
Homestreet Bank	10820 Zelzah Avenue Granada Hills, CA 91344	Full Service B&M	$97,544
Homestreet Bank	1110 Rosecrans Street, Suite 101 San Diego, CA 92106	Full Service B&M	$90,331
Homestreet Bank	1118 N Vermont Ave. Los Angeles, CA 90029	Full Service B&M	$55,949
Homestreet Bank	120 Waianuenue Avenue Hilo, HI 96720	Full Service B&M	$87,156
Homestreet Bank	1238 State Avenue Marysville, WA 98270	Full Service B&M	$91,651
Homestreet Bank	12513 Lake City Way Ne Seattle, WA 98125	Full Service B&M	$31,478
Homestreet Bank	130 Andover Park East, Suite 100 Tukwila, WA 98188	Full Service B&M	$70,132
Homestreet Bank	1501 S Union Avenue Tacoma, WA 98405	Full Service B&M	$93,005
Homestreet Bank	15021 Main Street, Suite B Mill Creek, WA 98012	Full Service B&M	$17,286
Homestreet Bank	16230 Sw Pacific Highway Suite 140 Tigard, OR 97224	Full Service B&M	$96,484
Homestreet Bank	16389 Redmond Way Ste 100 Redmond, WA 98052	Full Service B&M	$38,368
Homestreet Bank	17901 Von Karman Avenue, Suite 100 Irvine, CA 92614	Full Service B&M	$167,230
Homestreet Bank	1820 Yakima Valley Highway, Suite B Sunnyside, WA 98944	Full Service B&M	$36,036
Homestreet Bank	1835 Queen Anne Avenue North Seattle, WA 98109	Full Service B&M	$104,539
Homestreet Bank	19405 44 Avenue West Lynnwood, WA 98036	Full Service B&M	$78,288
Homestreet Bank	2 South King Street Honolulu, HI 96813	Full Service B&M	$316,020
Homestreet Bank	2100 S.E. 164th Avenue, Suite F104 Vancouver, WA 98683	Full Service B&M	$89,108
Homestreet Bank	22 Northwest 23rd Avenue Portland, OR 97210	Full Service B&M	$92,676
Homestreet Bank	22001 66th Ave West Mountlake Terrace, WA 98043	Full Service B&M	$102,690
Homestreet Bank	252 S Lake Ave. Pasadena, CA 91101	Full Service B&M	$140,690
Homestreet Bank	26640 Western Ave. Ste. N Harbor City, CA 90710	Full Service B&M	$40,345
Homestreet Bank	2720 Hoyt Avenue, Suite B Everett, WA 98201	Full Service B&M	$45,701
Homestreet Bank	277 Rancheros Drive, Suite 300 San Marcos, CA 92069	Full Service B&M	$208,897
Homestreet Bank	3119 Baldwin Park Boulevard, Suite A Baldwin Park, CA 91706	Full Service B&M	$19,764
Homestreet Bank	333 North Glenoaks Boulevard Burbank, CA 91502	Full Service B&M	$52,745
Homestreet Bank	33525 Pacific Highway South Federal Way, WA 98003	Full Service B&M	$84,406
Homestreet Bank	3417 Evanston Ave N. Seattle, WA 98103	Full Service B&M	$54,787
Homestreet Bank	3660 Waialae Avenue, Suite 108 Honolulu, HI 96816	Full Service B&M	$58,055
Homestreet Bank	368 Broadway El Cajon, CA 92021	Full Service B&M	$42,335
Homestreet Bank	3844 La Sierra Avenue Suite A Riverside, CA 92505	Full Service B&M	$29,810
Homestreet Bank	3970 Sw Mercantile Drive, Suite 105 Lake Oswego, OR 97035	Full Service B&M	$99,467
Homestreet Bank	4022 Sw Alaska St Seattle, WA 98116	Full Service B&M	$82,407
Homestreet Bank	4036 E Madison Street Seattle, WA 98112	Full Service B&M	$55,765
Homestreet Bank	417 Ne 72nd Street Seattle, WA 98115	Full Service B&M	$21,533
Homestreet Bank	424 E. Yakima Avenue Yakima, WA 98901	Full Service B&M	$99,317
Homestreet Bank	427 East Main Street Dayton, WA 99328	Full Service B&M	$45,531
Homestreet Bank	4949 Borgen Boulevard, Suite B101 Gig Harbor, WA 98332	Full Service B&M	$19,821
Homestreet Bank	500 108th Avenue Ne, Suite 1e1 Bellevue, WA 98004	Full Service B&M	$135,614
Homestreet Bank	5001 - 25th Avenue Ne, Suite 100 Seattle, WA 98105	Full Service B&M	$20,612
Homestreet Bank	505 West Harrison Street Kent, WA 98032	Full Service B&M	$67,313
Homestreet Bank	5900 24th Avenue Nw Seattle, WA 98107	Full Service B&M	$36,593
Homestreet Bank	601 Union Street, Suite 2000 Seattle, WA 98101	Full Service B&M	$1,594,138
Homestreet Bank	650 S Grand Ave Suite 105 Glendora, CA 91740	Full Service B&M	$64,923
Homestreet Bank	6515 Mission Gorge Road Suite 6515 San Diego, CA 92120	Full Service B&M	$28,106
Homestreet Bank	6949 Coal Creek Parkway Southeast Newcastle, WA 98059	Full Service B&M	$98,473
Homestreet Bank	700 Broadway East, Unit D Seattle, WA 98102	Full Service B&M	$39,895
Homestreet Bank	7307 Greenwood Avenue Seattle, WA 98103	Full Service B&M	$59,354
Homestreet Bank	7510 W. Clearwater Avenue Kennewick, WA 99336	Full Service B&M	$17,734
Homestreet Bank	781 Lawrence Expressway Santa Clara, CA 95051	Full Service B&M	$40,595
Homestreet Bank	8050 15th Ave Nw Seattle, WA 98117	Full Service B&M	$117,458
Homestreet Bank	810 Sleater Kinney Rd Se, Ste B Lacey, WA 98503	Full Service B&M	$64,930
Homestreet Bank	818 W. Riverside Avenue, Suite 120 Spokane, WA 99201	Full Service B&M	$59,748
Homestreet Bank	8200 35th Ave Ne Seattle, WA 98115	Full Service B&M	$220,683
Homestreet Bank	8501 Van Nuys Boulevard Panorama City, CA 91402	Full Service B&M	$99,994
Homestreet Bank	8860 Apollo Way, Suite 328 Downey, CA 90242	Full Service B&M	$69,836
Homestreet Bank	909 Ne Ellis Drive Issaquah, WA 98029	Full Service B&M	$62,587
Homestreet Bank	921 Hildebrand Lane Suite 100 Bainbridge Island, WA 98110	Full Service B&M	$55,141
Homestreet Bank	9363 Clairemont Mesa Boulevard, Suite S San Diego, CA 92123	Full Service B&M	$11,290
Homestreet Bank	9714 Sierra Avenue, Suite 101 Fontana, CA 92335	Full Service B&M	$52,245
Homestreet Bank	98-1258 Kaahumanu Street, Suite 104 Pearl City, HI 96782	Full Service B&M	$75,451

For 2021, Homestreet Bank had 61 branches.

Yearly Performance Overview

Bank Income

Item	Value (in 000's)
Total interest income	$250,432
Net interest income	$238,634
Total noninterest income	$109,561
Gross Fiduciary activities income	$0
Service charges on deposit accounts	$2,424
Trading account gains and fees	$0
Additional Noninterest Income	$107,137
Pre-tax net operating income	$151,195
Securities gains (or losses, -)	$94
Income before extraordinary items	$118,986
Discontinued Operations (Extraordinary gains, net)	$0
Net income of bank and minority interests	$118,986
Minority interest net income	$0
Net income	$118,986
Sale, conversion, retirement of capital stock, net	$3,463
Net operating income	$118,911

Homestreet Bank's gross interest income from loans was $250,432,000.
Homestreet Bank's net interest income from loans was $238,634,000.
Homestreet Bank's fee based income from loans was $2,424,000.
Homestreet Bank's net income from loans was $118,986,000.

Bank Expenses

Item	Value (in 000's)
Total interest expense	$11,798
Provision for credit losses	$-15,000
Total noninterest expense	$212,000
Salaries and employee benefits	$130,570
Premises and equipment expense	$22,907
Additional noninterest expense	$58,523
Applicable income taxes	$32,303
Net charge-offs	$1,356
Cash dividends	$109,000

Homestreet Bank's interest expense for loans was $11,798,000.
Homestreet Bank's payroll and benefits expense were $130,570,000.
Homestreet Bank's property, plant and equipment expenses $22,907,000.

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	1.0%
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	$6,170,270
Deposits held in domestic offices	$6,170,270
Deposits by Individuals, partnerships, and corporations	$5,801,398
Deposits by U.S. Government	$0
Deposits by States and political subdivisions in the U.S.	$342,479
Deposits by Commercial banks and other depository institutions in U.S.	$26,393
Deposits by Banks in foreign countries	$0
Deposits by Foreign governments and official institutions	$0
Transaction accounts	$2,154,766
Demand deposits	$1,616,570
Nontransaction accounts	$4,015,504
Money market deposit accounts (MMDAs)	$2,806,207
Other savings deposits (excluding MMDAs)	$302,392
Total time deposits	$906,904
Total time and savings deposits	$4,553,700
Noninterest-bearing deposits	$1,640,985
Interest-bearing deposits	$4,529,285
Retail deposits	$5,917,275
IRAs and Keogh plan accounts	$90,140
Brokered deposits	$145,149
Deposits held in foreign offices	$0

Assets

Asset	Value (in 000's)
Total Assets	$7,158,676
Cash & Balances due from depository institutions	$59,106
Interest-bearing balances	$20,646
Total securities	$1,001,187
Federal funds sold & reverse repurchase	$0
Net loans and leases	$5,684,199
Loan and leases loss allowance	$47,123
Trading account assets	$0
Bank premises and fixed assets	$87,267
Other real estate owned	$1,174
Goodwill and other intangibles	$106,999
All other assets	$218,744

Liabilities

Liabilities	Value (in 000's)
Total liabilities and capital	$7,158,676
Total Liabilities	$6,378,825
Total deposits	$6,170,270
Interest-bearing deposits	$4,529,285
Deposits held in domestic offices	$6,170,270
% insured (estimated)	$81
Federal funds purchased and repurchase agreements	$0
Trading liabilities	$0
Other borrowed funds	$54,129
Subordinated debt	$0
All other liabilities	$154,426

Issued Loan Types

Type	Value (in 000's)
Net loans and leases	$5,684,199
Loan and leases loss allowance	$47,123
Total loans and leases (domestic)	$5,731,322
All real estate loans	$5,322,837
Real estate loans in domestic offices	$5,322,837
Construction and development loans	$495,163
Residential 1-4 family construction	$364,474
Other construction, all land development and other land	$130,689
Loans secured by nonfarm nonresidential properties	$1,155,786
Nonfarm nonresidential secured by owner-occupied properties	$450,427
Commercial real estate & other non-farm, non-residential	$705,359
Multifamily residential real estate	$2,392,486
1-4 family residential loans	$1,270,063
Farmland loans	$9,339
Loans held in foreign offices	$0
Farm loans	$4,490
Commercial and industrial loans	$384,379
To non-U.S. addressees	$0
Loans to individuals	$6,613
Credit card loans	$0
Related Plans	$2,658
Consumer Auto Loans	$861
Other loans to individuals	$3,094
All other loans & leases	$13,003
Loans to foreign governments and official institutions	$0
Other loans	$13,003
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	$48,678
Non 1-4 family restructured loans & leases	$28
Total loans and leases (foreign)	$0

HomeStreet Bank had $5,684,199,000 of loans outstanding in 2021. $5,322,837,000 of loans were in real estate loans. $495,163,000 of loans were in development loans. $2,392,486,000 of loans were in multifamily mortgage loans. $1,270,063,000 of loans were in 1-4 family mortgage loans. $4,490,000 of loans were in farm loans. $0 of loans were in credit card loans. $861,000 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	176	$67,655	$384,403
Nonfarm, nonresidential loans - <$100k	5	$78	$15,600
Nonfarm, nonresidential loans - $100-250k	19	$2,283	$120,158
Nonfarm, nonresidential loans - $250k-1MM	152	$65,294	$429,566
Commercial & Industrial, US addressed loans - <$1MM	562	$69,014	$122,801
Commercial & Industrial, US addressed loans - <$100k	276	$6,191	$22,431
Commercial & Industrial, US addressed loans - $100-250k	89	$7,868	$88,404
Commercial & Industrial, US addressed loans - $250k-1MM	197	$54,955	$278,959
Farmland loans - <$1MM	11	$1,776	$161,455
Farmland loans - <$100k	2	$44	$22,000
Farmland loans - $100-250k	3	$394	$131,333
Farmland loans - $250k-1MM	6	$1,338	$223,000
Agriculture operations loans - <$1MM	13	$1,088	$83,692
Agriculture operations loans - <$100k	2	$16	$8,000
Agriculture operations loans - $100-250k	6	$566	$94,333
Agriculture operations loans - $250k-1MM	5	$506	$101,200