Investor Presentaiton

[HomeStreet Single Family Mortgage Banking (SFMB) Analysis Impact of SFMB Operations on Overall Efficiency Ratio Closings/Locks 650 60% 10% 55% 600 9% 50% 8% 550 45% 7% 500 40% 6% 35% 450 5% 30% 400 25% 4% 350 20% 3% 15% 300 2% 10% 1% 250 5% 0% 200 0% Q1 21 Q2 21 Q3 21 Q4 21 Q1 22 Q1 21 Q2 21 Q3 21 Q4 21 Q1 22 SFMB Negative Impact Rate locks Loan Closings p. 19

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