Company: MCHB
Filing Date: 2025-07-16
Form Type: 424B3
Source: 0001140361-25-026051
Chunk: 8

Company: Mechanics Bancorp
Filing Date: 2025-07-16
Form: 424B3
Chunk 8
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 with voting, please contact: OKAPI PARTNERS LLC 1212 Avenue of the Americas New York, NY 10036 Toll-Free: (877) 566-1922 Email: pmchugh@okapipartners.com

| BY ORDER OF THE BOARD OF DIRECTORS,                                |
| Godfrey B. Evans                                                   |
| Executive Vice President, General Counsel, and Corporate Secretary |

July 16, 2025

TABLE OF CONTENTS

Mechanics Bank 1111 Civic Drive Walnut Creek, CA 94596 NOTICE OF SOLICITATION OF WRITTEN CONSENT OF MECHANICS BANK SHAREHOLDERS Dear Mechanics Bank Shareholders: Pursuant to an Agreement and Plan of Merger, dated as of March 28, 2025, (as it may be amended from time to time, the “merger agreement”), by and among Mechanics Bank (“Mechanics”), HomeStreet, Inc., a Washington corporation (“HomeStreet”), and HomeStreet Bank, a Washington state-chartered commercial bank and wholly owned subsidiary of HomeStreet, HomeStreet Bank will merge with and into Mechanics (the “merger”), with Mechanics surviving the merger as a wholly owned subsidiary of HomeStreet, on the terms and subject to the conditions described in the merger agreement. The accompanying proxy statement/prospectus/consent solicitation statement is being delivered to you on behalf of the board of directors of Mechanics (the “Mechanics board of directors”) to request that holders of Mechanics voting common stock execute and return written consents in favor of a proposal to approve the merger agreement and the transactions contemplated thereby, including the merger, and the principal terms thereof (the “Mechanics merger proposal”). The closing of the merger is conditioned on, among other things, the affirmative consent to the Mechanics merger proposal by holders of a majority of the outstanding shares of Mechanics voting common stock entitled to vote thereon. The accompanying proxy statement/prospectus/consent solicitation statement describes the merger agreement and the transactions contemplated thereby, including the merger, and the actions to be taken in connection with the merger and provides additional information about the parties involved and the agreements entered into in connection with the merger. Please give this information your careful attention. A summary of the merger agreement is included in the proxy statement/prospectus/consent solicitation statement in the sections entitled “ The Merger” and “ The Merger Agreement” and a copy of the merger agreement is attached as Annex A, each of which are incorporated by reference into