Purchase Originations
374
Median Total Costs
$7,772
+16.4% vs national ($6,680)
↓ $20 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$4,148
Median Lender Credits
$1,400
Denial Rate
5.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 310 | 6.750% | $7,207 | $3,815 |
| fha | 42 | 6.125% | $16,704 | $5,565 |
| va | 22 | 6.125% | $8,015 | $3,233 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Washington | 309 | 6.625% | $7,593 | #46 |
| Oregon | 44 | 6.625% | $8,224 | — |
| California | 9 | 6.500% | $8,923 | — |
| Hawaii | 7 | 6.250% | $8,847 | — |
| Arizona | 2 | 6.688% | $12,177 | — |
| Colorado | 2 | 6.812% | $4,136 | — |
| Idaho | 1 | 6.875% | $2,917 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,562 | 6.875% | — | 49 | −$3,210 | |
| 2 | $4,800 | 7.000% | — | 5 | −$2,972 | |
| 3 | $5,766 | 6.125% | — | 7 | −$2,006 | |
| 4 | $7,964 | 6.625% | — | 92 | +$192 | |
| 5 | $8,202 | 6.625% | — | 8 | +$430 | |
| 6 | $8,207 | 6.625% | — | 94 | +$435 | |
| 7 | $8,266 | 6.812% | — | 4 | +$494 | |
| 8 | $8,318 | 6.750% | — | 4 | +$546 | |
| 9 | $8,540 | 6.500% | — | 20 | +$768 | |
| 10 | $8,732 | 6.438% | — | 2 | +$960 | |
| 11 | $8,847 | 6.875% | — | 3 | +$1,075 | |
| 12 | $8,954 | 6.750% | — | 2 | +$1,182 | |
| 13 | $9,669 | 6.875% | — | 9 | +$1,897 | |
| 14 | $10,596 | 6.500% | — | 3 | +$2,824 | |
| 15 | $10,826 | 6.750% | — | 10 | +$3,054 | |
| 16 | $11,359 | 6.438% | — | 8 | +$3,587 | |
| 17 | $12,172 | 6.625% | — | 25 | +$4,400 | |
| 18 | $12,177 | 6.688% | — | 2 | +$4,405 | |
| 19 | $15,249 | 6.250% | — | 3 | +$7,477 | |
| 20 | $29,979 | 6.625% | — | 3 | +$22,207 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | HomeStreet Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $510,000 | $335,000 | +$175,000 (+52.2%) |
| Median total closing costs | $7,772 | $7,127 | +$645 (+9.1%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.