HomeStreet Bank in California vs the state
28.3%Denial rate+10.88 pts vs state
36.8%Decision denial rate+14.41 pts vs state
48.6%Origination rate-7.62 pts vs state
7.75%Median rate+1.13 pts vs state
0.52Rate spread (pts)+0.24 pts vs state
$137kMedian applicant income
103Loans originated
60Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 399 | 173 | 34.1% | 8.50% | #254 |
| 2024 | 327 | 156 | 31.8% | 8.75% | #293 |
| 2025 | 212 | 103 | 28.3% | 7.75% | #357 |
What HomeStreet Bank lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most HomeStreet Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 78 | 41 | 19 | 24.4% |
| San Bernardino County | 44 | 15 | 17 | 38.6% |
| San Diego County | 27 | 12 | 8 | 29.6% |
| Riverside County | 17 | 11 | 3 | 17.6% |
| Orange County | 9 | 5 | 3 | 33.3% |
| Sacramento County | 5 | 2 | 0 | 0.0% |
| Napa County | 3 | 1 | 2 | 66.7% |
| Ventura County | 3 | 1 | 1 | 33.3% |
| Santa Clara County | 3 | 2 | 1 | 33.3% |
| Solano County | 2 | 1 | 1 | 50.0% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 212 applications in 2025, of which 103 were originated and 60 denied.
28.3% of all applications, or 36.8% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans HomeStreet Bank originated in California in 2025 was 7.75%, against a statewide median of 6.63%.
About this data. Figures are HomeStreet Bank's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology