Company: MCHB
Filing Date: 2025-07-16
Form Type: 424B3
Source: 0001140361-25-026051
Chunk: 10

Company: Mechanics Bancorp
Filing Date: 2025-07-16
Form: 424B3
Chunk 10
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/consent solicitation statement for further information. The contents of the websites of the SEC, HomeStreet and Mechanics are not being incorporated into this proxy statement/prospectus/consent solicitation statement. The information about how you can obtain certain documents that are being incorporated by reference into this proxy statement/prospectus/consent solicitation statement at these websites is being provided only for your convenience.**

TABLE OF CONTENTS

ABOUT THIS PROXY STATEMENT/PROSPECTUS/CONSENT SOLICITATION STATEMENT This proxy statement/prospectus/consent solicitation statement, which forms part of a registration statement on Form S-4 filed with the SEC by HomeStreet, constitutes a prospectus of HomeStreet under Section 5 of the Securities Act of 1933, as amended (the “Securities Act”), with respect to the shares of HomeStreet common stock to be issued to Mechanics shareholders pursuant to the merger agreement (other than the Ford Entities (as defined below)). This proxy statement/prospectus/consent solicitation statement also constitutes a proxy statement of HomeStreet under Section 14(a) of the Securities Exchange Act of 1934, as amended (the “Exchange Act”) and a notice of meeting with respect to the HomeStreet special meeting. This proxy statement/prospectus/consent solicitation statement also constitutes a consent solicitation statement of Mechanics with respect to the Mechanics merger proposal. Except where the context otherwise indicates, the information concerning HomeStreet or HomeStreet Bank contained in or incorporated by reference into this proxy statement/prospectus/consent solicitation statement has been provided by HomeStreet, and the information concerning Mechanics contained in this proxy statement/prospectus/consent solicitation statement has been provided by Mechanics. You should rely only on the information contained in, or incorporated by reference into, this proxy statement/prospectus/consent solicitation statement. No one has been authorized to provide you with information that is different from that contained in this proxy statement/prospectus/consent solicitation statement or in any of the materials that have been incorporated by reference.Therefore, neither HomeStreet nor Mechanics takes any responsibility for, or can provide any assurance as to the reliability of, any information other than the information contained in or incorporated by reference into this proxy statement/prospectus/consent solicitation statement. This proxy statement/prospectus/consent solicitation statement is dated July 16, 2025. The information contained in this proxy statement/prospectus/consent solicitation statement