Investor Presentaiton

Permanent Commercial Real Estate Lending Overview CA Los Angeles County CA Other Oregon 6% 4% 10% 6% 23% Multifamily 10% 51% 40% O 4% 2% Geographical Distribution (Balances) 17% Industrial/Warehouse 27% 46% 15% O Office 15% 14% 38% 4% 6% Loan Characteristics • • Up To 30 Year Term • $30MM Loan Amt. Max ≥ 1.15 DSCR Avg. LTV @ Orig. ~ 69% $30MM Loan Amt. Max • ≥ 1.25 DSCR . Up To 15 Year Term • . Up To 15 Year Term . • $30MM Loan Amt. Max • • ≥ 1.25 DSCR • Avg. LTV @ Orig. ~ 60% . Avg. LTV @ Orig. ~ 66% . HomeStreet Other WA King/Pierce/Snohomish WA Other 5% 19% 15% 4% 6%% 23% 9% 6% Retail 74% Other Up To 15 Year Term $30MM Loan Amt. Max • ≥ 1.25 DSCR Avg. LTV @ Orig. ~ 62% • Additional property types are reviewed on a case by case basis •Includes acquired loan types • Examples include: hotels, schools, churches, marinas • Balance: $2.7B • % of Balances: 70% • Portfolio Avg. LTV - 65% (1) . • • Portfolio Avg. DSCR -~ 1.40x Avg. Loan Size: $4.5M Largest Dollar Loan: $34.5M [: • Balance: $228M • 03/31/22 Balances Outstanding Totaling $3.9 Billion % of Balances: 6% % Owner Occupied: 54% Portfolio LTV - 49% (1) • Portfolio Avg. DSCR ~ 1.62x • Balance: $393M • % of Balances: 10% • • • Avg. Loan Size: $2.0M Largest Dollar Loan: $18.5M . % Owner Occupied: 31% Portfolio LTV ~ 56%(1) Portfolio Avg. DSCR ~ 1.72x Avg. Loan Size: $2.0M Largest Dollar Loan: $23.4M • Balance: $349M % of Balances: 9% • % Owner Occupied: 21% Portfolio LTV ~ 54% (1) • Portfolio Avg. DSCR ~ 1.65x Avg. Loan Size: $2.5M Largest Dollar Loan: $16.0M Balance: $194M ⚫% of Balances: 5% • % of Owner Occupied: 74% Portfolio LTV ~ - 37% (1) • Portfolio Avg. DSCR ~1.92x Avg. Loan Size: $2.3M . Largest Dollar Loan: $24.8M HomeStreet lends across the full spectrum of commercial real estate lending types, but is deliberate in its effort to achieve diversification among property types and geographic areas to mitigate concentration risk. "Other" category includes loans secured by Schools ($64.4 million), Hotels ($30.9 million), and Churches ($23.1 million) (1) Property values as of origination date. p. 23

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