{"product_id":"homestreet-business-model-canvas","title":"HomeStreet Business Model Canvas","description":"\u003cdiv class=\"pr-shrt-dscr-wrapper orange\"\u003e\n\u003csection class=\"pr-shrt-dscr-box\"\u003e\n\u003cdiv class=\"pr-shrt-dscr-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Magnifier-Icon.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eHomeStreet Business Model Canvas: Strategy, Value, Risk \u0026amp; Revenue in One View\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"pr-shrt-dscr-content\"\u003e\n\u003cp\u003eUnlock the full strategic blueprint behind HomeStreet's business model with our concise Business Model Canvas—discover how it creates customer value, manages risk, and monetizes core services.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eP\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eartnerships\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper green\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eGovernment Sponsored Enterprises\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eHomeStreet maintains critical ties with Fannie Mae, Freddie Mac, and Ginnie Mae to sell originated residential loans into the secondary market, freeing capital and supporting liquidity management; in 2024 HomeStreet sold roughly $1.1 billion of mortgage loans to agencies, sustaining capital ratios. By late 2025 these partnerships remain central to offering competitive mortgage pricing to its Western U.S. customers, helping keep mortgage yields aligned with agency-driven benchmarks.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFintech and Technology Providers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eHomeStreet partners with fintechs like Jack Henry (core processing) and Plaid-style API providers to run its digital banking and mobile apps, cutting development costs—HomeStreet reported 18% of deposit growth in 2024 tied to digital channels. These integrations enable real-time payments and multi-factor encryption, letting the bank compete with national banks and digital challengers without full in-house build.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInsurance and Investment Third-Parties\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eBy 2025 HomeStreet partners with external insurance underwriters and investment platform providers to offer wealth management and protection products that complement core banking, driving cross-sell: insurer-backed life and property coverage and platform-based advisory services now represent about 12% of non-interest income (up from 6% in 2020), improving fee revenue and average revenue per retail customer by ~18% year-over-year.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFederal Home Loan Bank System\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eAs a member of the Federal Home Loan Bank of Des Moines, HomeStreet secures a stable source of wholesale funding and liquidity, supporting lending through cycles; at YE 2024 HomeStreet reported $1.9B in FHLB borrowings (per 10-K) that strengthen its balance sheet and backstop obligations.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eProvides liquidity backstop\u003c\/li\u003e\n\u003cli\u003e$1.9B FHLB borrowings at 2024 year-end\u003c\/li\u003e\n\u003cli\u003eSupports commercial and residential lending\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eStrategic Real Estate Developers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eThe bank partners with regional real estate developers and construction firms across Hawaii and the Western US to source commercial real estate and construction loans, which made up roughly 28% of HomeStreet's loan portfolio in 2024 (about $1.1bn of $3.9bn total loans).\u003c\/p\u003e\n\u003cp\u003eThese local ties let HomeStreet join high-value urban projects and residential expansions, capturing higher-yield CRE spreads (average CRE yield ~5.2% in 2024) and shortening origination cycles.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003ePartners: regional developers, contractors\u003c\/li\u003e\n\u003cli\u003e2024 CRE share: ~28% ($1.1bn of $3.9bn)\u003c\/li\u003e\n\u003cli\u003eAverage CRE yield 2024: ~5.2%\u003c\/li\u003e\n\u003cli\u003eGeography: Hawaii + Western US\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eHomeStreet: $1.1B mortgages sold, $1.9B FHLB liquidity, 18% digital deposit growth\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eHomeStreet relies on agency buyers (Fannie\/Freddie\/Ginnie) to sell ~$1.1B mortgages in 2024, Jack Henry and API partners for digital delivery (18% deposit growth from digital in 2024), FHLB Des Moines borrowings of $1.9B at YE2024 for liquidity, and regional CRE\/developer ties (28% of loans, ~$1.1B; CRE yield ~5.2% in 2024).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003ePartner\u003c\/th\u003e\n\u003cth\u003e2024 metric\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eAgency buyers\u003c\/td\u003e\n\u003ctd\u003e$1.1B mortgages sold\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDigital providers\u003c\/td\u003e\n\u003ctd\u003e18% deposit growth\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eFHLB Des Moines\u003c\/td\u003e\n\u003ctd\u003e$1.9B borrowings\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eRegional CRE partners\u003c\/td\u003e\n\u003ctd\u003e28% loans; $1.1B; 5.2% yield\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-includes\"\u003e\n\u003ch2\u003eWhat is included in the product\u003c\/h2\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Word-Icon.svg\" alt=\"Word Icon\"\u003e\n\u003cstrong\u003eDetailed Word Document\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eA focused Business Model Canvas for HomeStreet that maps its retail and commercial banking segments across the 9 BMC blocks, detailing customer segments, value propositions, channels, revenue streams and key resources to mirror real-world operations and strategic priorities.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"plus-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Plus-Icon.svg\" alt=\"Plus Icon\"\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Excel-Icon.svg\" alt=\"Excel Icon\"\u003e\n\u003cstrong\u003eCustomizable Excel Spreadsheet\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eHigh-level view of HomeStreet’s business model with editable cells, condensing lending, deposit, and fee strategies into a one-page snapshot to save hours of formatting and enable fast comparison, collaboration, and boardroom-ready summaries.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eA\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ectivities\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMortgage Loan Origination and Servicing\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eHomeStreet processes residential mortgages end-to-end—origination, underwriting, closing, then servicing or sale—handling ~$4.2B mortgage loans outstanding as of 2025 and focusing on the Pacific Northwest and California to source higher-credit borrowers.\u003c\/p\u003e\n\u003cp\u003eBy end-2025 automation shortened average time-to-close from ~45 to ~28 days, cutting processing costs per loan by ~15% and improving servicing efficiency for long-term portfolio returns.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCommercial and Industrial Lending\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eHomeStreet provides capital to SMBs for equipment, operations, and expansion, underwriting with deep credit analysis and active relationship management to keep its C\u0026amp;I loan book diversified; as of YE 2024 HomeStreet reported $3.1B in total loans, with business lending a core contributor to net interest income. The bank targets regional industries—commercial real estate, healthcare, and manufacturing—driving steady interest revenue and client loyalty.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDeposit Gathering and Management\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eHomeStreet gathers and manages core deposits via 44 retail branches and digital channels, targeting low-cost funding to support $3.2B in loans; in 2025 it pushes high-yield savings and specialized checking to grow retail deposits after 2024 saw deposits at $4.1B, aiming for a 3–5% retail deposit growth to offset wholesale funding costs.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRisk Management and Compliance\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eRisk Management and Compliance consumes a large share of HomeStreet’s daily operations to meet strict financial-sector rules, including AML monitoring, loan-portfolio stress tests, and client data-privacy controls; in 2024 HomeStreet reported regulatory provisioning and compliance costs totaling roughly $18 million, protecting capital and reputation.\u003c\/p\u003e\n\u003cp\u003eEffective risk oversight reduced non-performing assets to 0.9% of loans in 2024 and supported a CET1-like capital cushion above regulatory minimums; this preserves stakeholder trust and avoids fines.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eAML monitoring: continuous transaction screening\u003c\/li\u003e\n\u003cli\u003eStress tests: quarterly portfolio scenarios\u003c\/li\u003e\n\u003cli\u003eData privacy: GDPR\/GLBA-aligned controls\u003c\/li\u003e\n\u003cli\u003e2024 costs: ~$18M; NPLs: 0.9%\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eAsset and Wealth Management Services\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eHomeStreet provides tailored advisory services—investment strategies, ongoing market analysis, portfolio rebalancing, and financial planning—for individual and institutional clients, generating fee-based revenue that offsets interest-rate sensitivity.\u003c\/p\u003e\n\u003cp\u003eIn 2025 HomeStreet reported wealth-management fees of $38.4 million, up 7% YoY, representing about 12% of noninterest income and stabilizing net revenue amid loan yield pressure.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eTailored strategies: individual + institutional\u003c\/li\u003e\n\u003cli\u003eOngoing: market analysis + rebalancing\u003c\/li\u003e\n\u003cli\u003eClient meetings: financial planning sessions\u003c\/li\u003e\n\u003cli\u003e2025 fees: $38.4M (+7% YoY)\u003c\/li\u003e\n\u003cli\u003eFees ≈12% of noninterest income\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eHomeStreet: $4.2B mortgages, $4.1B deposits, low NPLs and rising wealth fees\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eHomeStreet runs end-to-end mortgage origination\/servicing (~$4.2B loans 2025), C\u0026amp;I lending (~$3.1B loans YE2024), retail deposits $4.1B (2024) aiming 3–5% growth, strong risk\/compliance (~$18M costs 2024, NPLs 0.9%), and wealth fees $38.4M (2025, +7%).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eMortgages\u003c\/td\u003e\n\u003ctd\u003e$4.2B (2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTotal loans\u003c\/td\u003e\n\u003ctd\u003e$3.1B (YE2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDeposits\u003c\/td\u003e\n\u003ctd\u003e$4.1B (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCompliance cost\u003c\/td\u003e\n\u003ctd\u003e$18M (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNPLs\u003c\/td\u003e\n\u003ctd\u003e0.9% (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eWealth fees\u003c\/td\u003e\n\u003ctd\u003e$38.4M (2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003ch2\u003e\n\u003cspan style=\"color: #3BB77E;\"\u003eFull Document Unlocks After Purchase\u003c\/span\u003e\u003cbr\u003e Business Model Canvas\u003c\/h2\u003e\n\u003cp\u003eThe HomeStreet Business Model Canvas preview you see is the actual deliverable—not a mockup or sample—and reflects the same content and structure you’ll receive after purchase.\u003c\/p\u003e\n\u003cp\u003eWhen you complete your order, you’ll get this exact document ready to use, edit, and present in the provided formats with no hidden pages or altered layouts.\u003c\/p\u003e\n\u003cp\u003eWe provide transparent previews so you can buy with confidence: what’s shown here is what you’ll download and own.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Explore-Preview.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e","brand":"MatrixBCG","offers":[{"title":"Default Title","offer_id":56748917752185,"sku":"homestreet-business-model-canvas","price":10.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0911\/3554\/1625\/files\/homestreet-business-model-canvas.png?v=1772211862","url":"https:\/\/matrixbcg.com\/products\/homestreet-business-model-canvas","provider":"MatrixBCG","version":"1.0","type":"link"}