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HomeStreet Bank

Bank•Seattle, WAHQ•Direct•Reviews near you on Google

We analyzed every closed loan from HomeStreet Bank — 707 loans across 961 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo
Place
Strong
4/5
Multi-Region · 7 mkts
Safe Rate Awards
Jumbo Superstar
Jumbo
Superstar

Safe Rate Summary

What They Do Well

  • Strong pull through performance
  • Particularly strong in Conventional and FHA and VA and Jumbo loans

Things to Think About

  • Pricing may be below industry average

Explore another lender or local market

Report Card

HomeStreet Bank performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+20.0 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 8 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Strong
Pricing
Acceptable
Pull Through
Sound
Volume529
Mix74.8%
Spread
+0.230%Above
Fees
$3,044Fees
FHA Loans
Overall
Sound
Product
Strong
Pricing
Sound
Pull Through
Sound
Volume79
Mix11.2%
Spread
+0.247%Above
Fees
$4,587Fees
VA Loans
Overall
Sound
Product
Strong
Pricing
Acceptable
Pull Through
Strong
Volume60
Mix8.5%
Spread
-0.264%Below
Fees
$4,059Fees
Jumbo Loans
Overall
Strong
Product
Strong
Pricing
Sound
Pull Through
Strong
Volume38
Mix5.4%
Spread
+0.279%Above
Fees
$137Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Strong
Pricing
Acceptable
Pull Through
Sound
Volume573
Mix81.0%
Spread
+0.210%Above
Fees
$3,313Fees
Refinance
Overall
Sound
Product
Strong
Pricing
Acceptable
Pull Through
Sound
Volume134
Mix19.0%
Spread
+0.159%Above
Fees
$2,186Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
707
Applications
961
Volume
$377 million
Pricing & Closing
Avg Rate Spread
+0.200%
vs. market APOR
Avg Net Fees
$3,086
Origination − Credits
Pullthrough Rate
73.6%
Applications → Closed
Typical Borrower
Avg Loan Amount
$533,402
Avg Borrower Income
$189,832
Avg Property Value
$762,694

Geographic Coverage

Geographic Performance

Metro Areas
7
markets with activity
States Served
10
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

10
10 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
West10
AKAZCACOHIIDNVORUTWA

Top Metro Areas by Place Specialization Score

1© Broran28 · Public domain
Tacoma, WAMetro
Volume 131Mix 18.53% of portfolio
84/100
Exceptional
2© Dietmar Rabich · CC BY-SA 4.0
Seattle, WAMetro
Volume 191Mix 27.02% of portfolio
80/100
Strong
3© Seasider53 · CC BY 4.0
Portland, OR-WAMetro
Volume 152Mix 21.50% of portfolio
74/100
Strong
4© SounderBruce · CC BY-SA 4.0
Everett, WAMetro
Volume 33Mix 4.67% of portfolio
61/100
Strong
5© Joe Mabel · CC BY-SA 3.0
Bremerton, WAMetro
Volume 23Mix 3.25% of portfolio
58/100
Sound
6© Joe Mabel · CC BY-SA 3.0
Olympia, WAMetro
Volume 20Mix 2.83% of portfolio
55/100
Sound
7© Ethan from Scottsdale · CC BY 2.0
Spokane, WAMetro
Volume 17Mix 2.40% of portfolio
50/100
Sound

Top States by Place Specialization Score

Washington
Washington
1
WashingtonState
Volume 568Mix 80.34% of portfolio
87/100
Exceptional
Oregon
Oregon
2
OregonState
Volume 75Mix 10.61% of portfolio
64/100
Strong
Hawaii
Hawaii
3
HawaiiState
Volume 17Mix 2.40% of portfolio
49/100
Sound
California
California
4
CaliforniaState
Volume 22Mix 3.11% of portfolio
43/100
Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.