# HomeStreet Bank

> **Canonical URL:** https://saferate.com/lenders/homestreet-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


HomeStreet Bank is a bank, headquartered in Seattle, WA, serving borrowers across 10 states, with 707 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 71% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 33% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 01KWVG908KE7RKPTNP46
- **Headquarters:** Seattle, WA
- **Geographic Reach:** Multi-Region
- **States Served:** 10
- **State List:** AK, AZ, CA, CO, HI, ID, NV, OR, UT, WA
- **Markets (MSAs):** 8
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 29/100
- Rating: ●●○○○ (2/5)

### Pull Through: Strong 😀
- Score: 67/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.200%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,086
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 707
- **Dollar Volume:** $377 million
- **Applications Received:** 961
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $533,402
- **Average Borrower Income:** $189,832
- **Average Property Value:** $762,694

## Safe Rate Awards 🏆

- ⭐ **Jumbo Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 60/100 | 529 | +0.230% | $3,044 | Strong 😀 |
| FHA | 64/100 | 79 | +0.247% | $4,587 | Strong 😀 |
| VA | 68/100 | 60 | -0.264% | $4,059 | Strong 😀 |
| Jumbo | 72/100 | 38 | +0.279% | $137 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 440 loans, Score: 61/100 (Strong)
- Refinance: 89 loans, Score: 59/100 (Sound)

**FHA:**
- Purchase: 56 loans, Score: 61/100 (Strong)
- Refinance: 23 loans, Score: 70/100 (Strong)

**VA:**
- Purchase: 49 loans, Score: 67/100 (Strong)

**Jumbo:**
- Purchase: 27 loans, Score: 69/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 62/100 | 573 | $311M | +0.210% | Strong 😀 |
| Refinance | 61/100 | 134 | $66M | +0.159% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| WA | 568 | 0.67% | 87/100 |
| OR | 75 | 0.18% | 64/100 |
| CA | 22 | 0.01% | 43/100 |
| HI | 17 | 0.19% | 49/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Seattle | WA | 191 | 80/100 |
| Portland | OR-WA | 152 | 74/100 |
| Tacoma | WA | 131 | 84/100 |
| Non |  | 51 | 42/100 |
| Everett, WA | WA | 33 | 61/100 |
| Bremerton | WA | 23 | 58/100 |
| Olympia | WA | 20 | 55/100 |
| Spokane | WA | 17 | 50/100 |

## Where This Lender Ranks

HomeStreet Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#4** in Seattle for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/seattle/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#5** in Tacoma for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/tacoma/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#5** in Tacoma for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/tacoma/best-mortgage-lenders/banks/va-loans)
- 🏆 **#6** in Olympia Banks
  - [View Full Rankings](https://saferate.com/olympia/best-mortgage-lenders/banks)
- 🏆 **#7** in Tacoma Banks
  - [View Full Rankings](https://saferate.com/tacoma/best-mortgage-lenders/banks)
- 🏆 **#8** in Portland for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/portland/best-mortgage-lenders/banks/va-loans)
- 🏆 **#8** in Portland for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/portland/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#8** in Bremerton Banks
  - [View Full Rankings](https://saferate.com/bremerton/best-mortgage-lenders/banks)
- 🏆 **#10** in Washington for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/washington-state/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#10** in Tacoma for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/tacoma/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#10** in Bremerton for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/bremerton/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#11** in Portland for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/portland/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#11** in Olympia for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/olympia/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#12** in Washington for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/washington-state/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#12** in Washington for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/washington-state/best-mortgage-lenders/banks/va-loans)
- 🏆 **#13** in Seattle for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/seattle/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#13** in Portland Banks
  - [View Full Rankings](https://saferate.com/portland/best-mortgage-lenders/banks)
- 🏆 **#14** in Portland for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/portland/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#14** in Everett, WA Banks
  - [View Full Rankings](https://saferate.com/everett-wa/best-mortgage-lenders/banks)
- 🏆 **#15** in Washington Banks
  - [View Full Rankings](https://saferate.com/washington-state/best-mortgage-lenders/banks)

## Frequently Asked Questions

### What loan types does HomeStreet Bank offer?

HomeStreet Bank offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does HomeStreet Bank offer mortgages?

HomeStreet Bank offers mortgages in 10 states: AK, AZ, CA, CO, HI, ID, NV, OR, UT, WA.

### How competitive are HomeStreet Bank's mortgage rates?

HomeStreet Bank has a pricing score of 29/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.200% above market average.

### What type of lender is HomeStreet Bank?

HomeStreet Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Seattle, WA.

### What is HomeStreet Bank's loan approval success rate?

HomeStreet Bank has a pull-through score of 67/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/homestreet-bank

### How to Cite

> "HomeStreet Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/homestreet-bank

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