Clearlake VA Loan Rates, Closing Costs & Stats
Clearlake, CA
A VA loan is a mortgage loan that’s backed by the Department of Veterans Affairs (VA) for those who have served or are presently serving in the U.S. military. The VA does not directly lend, it guarantees the loans made by private lenders to veterans, active military personnel, and qualifying military spouses.
The most obvious benefit of VA loans is that no downpayment is necessary to purchase a home. They will also typically have significantly lower fees-- meaning that if you're eligible to receive a VA loan, it will likely be the most favorable option. VA loans come in 3 varities: purchase, refinance and cash out refis.
For additional benefits of VA loans, click here.
Clearlake's 24 lenders originated 57 VA loans during 2023. The total origination value was $19,475,000, with an average VA loan value of $341,667.
Clearlake VA Loans, 30 Year Fixed Rates
30 Year VA mortgages in Clearlake
averaged
0.49%
for the week of 2024-11-29, compared to the national average (all VA variants) of
0% for the same period.
Clearlake's average VA mortgage closing costs are $6,734.
The average rate for the prior week (2024-11-22) was
6.55% and
one month ago for the week of 2024-10-25, the
average rate was 6.35%.
The average rate one year ago was 7.39%.
For refis of the same type during the week of 2024-11-29, the average rate
was -0.2%.
Clearlake VA Loan Lenders by Rates & Fees
The below table looks at the average fees/closing costs and rates for VA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Clearlake level.
The top Clearlake VA lender as defined by loan originations is Mortgage Research Center, LLC, with
11 VA loans originated. Their average total fees are
$5,955, which is $416
lower than the next largest lender,
UNITED WHOLESALE MORTGAGE, LLC.
The lowest fee Clearlake VA lenders (with over 10 loans originated) are
Mortgage Research Center, LLC ($5,955), .
The lowest rate Clearlake VA lenders (with over 10 loans originated) are
Mortgage Research Center, LLC (6.51%), .
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Clearlake (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Price (YoY Change) | Average Listing Price (YoY) | MSA/US Median Price Ratio | Active Listings |
---|---|---|---|---|
2018-01-01 | $322,250 (21.0%) | $396,242 (22.6%) | 0.00 | 320 |
2018-02-01 | $309,750 (17.4%) | $389,482 (22.4%) | 0.00 | 337 |
2018-03-01 | $325,000 (21.2%) | $399,363 (23.5%) | 0.00 | 363 |
2018-04-01 | $334,500 (23.9%) | $425,976 (21.9%) | 0.00 | 397 |
2018-05-01 | $333,500 (19.4%) | $449,943 (26.2%) | 0.00 | 438 |
2018-06-01 | $339,900 (16.9%) | $452,917 (20.1%) | 0.00 | 461 |
2018-07-01 | $331,350 (15.5%) | $436,399 (16.0%) | 0.00 | 463 |
2018-08-01 | $329,350 (13.2%) | $424,312 (12.4%) | 0.00 | 478 |
2018-09-01 | $325,000 (10.5%) | $414,076 (10.7%) | 0.00 | 488 |
2018-10-01 | $324,575 (9.3%) | $411,076 (10.3%) | 0.00 | 484 |
2018-11-01 | $317,750 (1.8%) | $406,402 (6.6%) | 0.00 | 472 |
2018-12-01 | $319,900 (-1.6%) | $413,462 (2.7%) | 0.00 | 447 |
2019-01-01 | $319,225 (-0.9%) | $391,462 (-1.2%) | 0.00 | 414 |
2019-02-01 | $316,500 (2.2%) | $387,752 (-0.4%) | 0.00 | 414 |
2019-03-01 | $321,571 (-1.1%) | $395,390 (-1.0%) | 0.00 | 405 |
2019-04-01 | $327,000 (-2.2%) | $399,684 (-6.2%) | 0.00 | 419 |
2019-05-01 | $329,950 (-1.1%) | $626,647 (39.3%) | 0.00 | 486 |
2019-06-01 | $339,200 (-0.2%) | $425,651 (-6.0%) | 0.00 | 504 |
2019-07-01 | $327,000 (-1.3%) | $425,684 (-2.5%) | 0.00 | 509 |
2019-08-01 | $317,909 (-3.5%) | $415,528 (-2.1%) | 0.00 | 506 |
2019-09-01 | $307,273 (-5.5%) | $404,190 (-2.4%) | 0.00 | 506 |
2019-10-01 | $299,450 (-7.7%) | $394,707 (-4.0%) | 0.00 | 496 |
2019-11-01 | $297,900 (-6.3%) | $385,186 (-5.2%) | 0.00 | 474 |
2019-12-01 | $282,450 (-11.7%) | $366,812 (-11.3%) | 0.00 | 435 |
2020-01-01 | $279,000 (-12.6%) | $344,109 (-12.1%) | 0.00 | 384 |
2020-02-01 | $279,900 (-11.6%) | $346,036 (-10.8%) | 0.00 | 374 |
2020-03-01 | $297,000 (-7.6%) | $373,202 (-5.6%) | 0.00 | 373 |
2020-04-01 | $310,225 (-5.1%) | $384,712 (-3.8%) | 0.00 | 349 |
2020-05-01 | $319,000 (-3.3%) | $389,006 (-37.9%) | 0.00 | 350 |
2020-06-01 | $325,000 (-4.2%) | $432,643 (1.6%) | 0.00 | 312 |
2020-07-01 | $325,000 (-0.6%) | $440,019 (3.4%) | 0.00 | 299 |
2020-08-01 | $325,000 (2.2%) | $459,405 (10.6%) | 0.00 | 232 |
2020-09-01 | $323,750 (5.4%) | $478,195 (18.3%) | 0.00 | 244 |
2020-10-01 | $329,500 (10.0%) | $493,130 (24.9%) | 0.00 | 235 |
2020-11-01 | $345,000 (15.8%) | $515,714 (33.9%) | 0.00 | 230 |
2020-12-01 | $349,499 (23.7%) | $568,477 (55.0%) | 0.00 | 203 |
2021-01-01 | $349,000 (25.1%) | $661,374 (92.2%) | 0.00 | 187 |
2021-02-01 | $356,475 (27.4%) | $668,026 (93.1%) | 0.00 | 171 |
2021-03-01 | $394,475 (32.8%) | $727,596 (95.0%) | 0.00 | 151 |
2021-04-01 | $395,000 (27.3%) | $718,060 (86.7%) | 0.00 | 154 |
2021-05-01 | $424,800 (33.2%) | $733,865 (88.7%) | 0.00 | 161 |
2021-06-01 | $399,250 (22.9%) | $706,351 (63.3%) | 0.00 | 190 |
2021-07-01 | $419,950 (29.2%) | $705,509 (60.3%) | 0.00 | 211 |
2021-08-01 | $394,375 (21.4%) | $668,248 (45.5%) | 0.00 | 250 |
2021-09-01 | $391,750 (21.0%) | $660,503 (38.1%) | 0.00 | 280 |
2021-10-01 | $389,000 (18.1%) | $657,868 (33.4%) | 0.00 | 291 |
2021-11-01 | $382,694 (10.9%) | $654,688 (27.0%) | 0.00 | 279 |
2021-12-01 | $387,000 (10.7%) | $661,134 (16.3%) | 0.00 | 253 |
2022-01-01 | $383,700 (9.9%) | $612,985 (-7.3%) | 0.00 | 214 |
2022-02-01 | $387,999 (8.8%) | $628,965 (-5.9%) | 0.00 | 190 |
2022-03-01 | $407,750 (3.4%) | $630,538 (-13.3%) | 0.00 | 231 |
2022-04-01 | $437,444 (10.8%) | $659,792 (-8.1%) | 0.00 | 250 |
2022-05-01 | $451,250 (6.2%) | $669,559 (-8.8%) | 0.00 | 290 |
2022-06-01 | $449,500 (12.6%) | $660,817 (-6.5%) | 0.00 | 330 |
2022-07-01 | $449,000 (6.9%) | $624,327 (-11.5%) | 0.00 | 365 |
2022-08-01 | $428,500 (8.7%) | $579,402 (-13.3%) | 0.00 | 385 |
2022-09-01 | $419,850 (7.2%) | $569,613 (-13.8%) | 0.00 | 403 |
2022-10-01 | $416,600 (7.1%) | $569,024 (-13.5%) | 0.00 | 385 |
2022-11-01 | $415,400 (8.6%) | $570,783 (-12.8%) | 0.00 | 350 |
2022-12-01 | $399,999 (3.4%) | $573,301 (-13.3%) | 0.00 | 309 |
2023-01-01 | $399,000 (4.0%) | $507,699 (-17.2%) | 0.00 | 263 |
2023-02-01 | $397,000 (2.3%) | $502,223 (-20.2%) | 0.00 | 255 |
2023-03-01 | $388,750 (-4.7%) | $515,111 (-18.3%) | 0.00 | 255 |
2023-04-01 | $380,000 (-13.1%) | $497,182 (-24.7%) | 0.00 | 272 |
2023-05-01 | $399,475 (-11.5%) | $512,557 (-23.5%) | 0.00 | 321 |
2023-06-01 | $404,325 (-10.1%) | $525,509 (-20.5%) | 0.00 | 352 |
2023-07-01 | $403,000 (-10.2%) | $530,225 (-15.1%) | 0.00 | 359 |
2023-08-01 | $411,750 (-3.9%) | $556,532 (-4.0%) | 0.00 | 378 |
2023-09-01 | $419,000 (-0.2%) | $612,843 (7.6%) | 0.00 | 379 |
2023-10-01 | $409,975 (-1.6%) | $594,803 (4.5%) | 0.00 | 405 |
2023-11-01 | $399,000 (-4.0%) | $584,678 (2.4%) | 0.00 | 406 |
2023-12-01 | $389,000 (-2.8%) | $549,146 (-4.2%) | 0.00 | 374 |
2024-01-01 | $399,000 (0.0%) | $553,231 (9.0%) | 0.00 | 334 |
2024-02-01 | $420,750 (6.0%) | $564,175 (12.3%) | 0.00 | 327 |
2024-03-01 | $418,000 (7.5%) | $565,165 (9.7%) | 0.00 | 312 |
2024-04-01 | $425,000 (11.8%) | $585,830 (17.8%) | 0.00 | 331 |
2024-05-01 | $434,500 (8.8%) | $618,700 (20.7%) | 0.00 | 355 |
2024-06-01 | $444,000 (9.8%) | $612,500 (16.6%) | 0.00 | 391 |
2024-07-01 | $421,500 (4.6%) | $574,705 (8.4%) | 0.00 | 425 |
2024-08-01 | $399,900 (-2.9%) | $558,889 (0.4%) | 0.00 | 436 |
2024-09-01 | $392,500 (-6.3%) | $544,549 (-11.1%) | 0.00 | 476 |
2024-10-01 | $397,500 (-3.0%) | $548,409 (-7.8%) | 0.00 | 463 |
Clearlake's median listing price comes in at 0% of the national average.
Clearlake's average listing price for 2024-10-01 was $548,409, a difference of $-46,394 (-7.8%) versus the prior year and $3,860 versus the prior month.
For the 2024-10-01 period, Clearlake had 463 MLS listings, a difference of -13 listings (-3%) versus the prior month and 58 listings (14%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Clearlake (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Time on Market | Median Square Footage |
---|---|---|
2018-01-01 | 0 days | 1,599 sqft |
2018-02-01 | 0 days | 1,540 sqft |
2018-03-01 | 0 days | 1,552 sqft |
2018-04-01 | 0 days | 1,623 sqft |
2018-05-01 | 0 days | 1,642 sqft |
2018-06-01 | 0 days | 1,638 sqft |
2018-07-01 | 0 days | 1,630 sqft |
2018-08-01 | 0 days | 1,620 sqft |
2018-09-01 | 0 days | 1,635 sqft |
2018-10-01 | 0 days | 1,673 sqft |
2018-11-01 | 0 days | 1,600 sqft |
2018-12-01 | 0 days | 1,595 sqft |
2019-01-01 | 0 days | 1,554 sqft |
2019-02-01 | 0 days | 1,542 sqft |
2019-03-01 | 0 days | 1,539 sqft |
2019-04-01 | 0 days | 1,560 sqft |
2019-05-01 | 0 days | 1,582 sqft |
2019-06-01 | 0 days | 1,597 sqft |
2019-07-01 | 0 days | 1,590 sqft |
2019-08-01 | 0 days | 1,575 sqft |
2019-09-01 | 0 days | 1,560 sqft |
2019-10-01 | 0 days | 1,552 sqft |
2019-11-01 | 0 days | 1,510 sqft |
2019-12-01 | 0 days | 1,471 sqft |
2020-01-01 | 0 days | 1,436 sqft |
2020-02-01 | 0 days | 1,440 sqft |
2020-03-01 | 0 days | 1,469 sqft |
2020-04-01 | 0 days | 1,494 sqft |
2020-05-01 | 0 days | 1,512 sqft |
2020-06-01 | 0 days | 1,546 sqft |
2020-07-01 | 0 days | 1,557 sqft |
2020-08-01 | 0 days | 1,557 sqft |
2020-09-01 | 0 days | 1,500 sqft |
2020-10-01 | 0 days | 1,529 sqft |
2020-11-01 | 0 days | 1,533 sqft |
2020-12-01 | 0 days | 1,580 sqft |
2021-01-01 | 0 days | 1,516 sqft |
2021-02-01 | 0 days | 1,591 sqft |
2021-03-01 | 0 days | 1,633 sqft |
2021-04-01 | 0 days | 1,547 sqft |
2021-05-01 | 0 days | 1,628 sqft |
2021-06-01 | 0 days | 1,520 sqft |
2021-07-01 | 0 days | 1,500 sqft |
2021-08-01 | 0 days | 1,541 sqft |
2021-09-01 | 0 days | 1,550 sqft |
2021-10-01 | 0 days | 1,547 sqft |
2021-11-01 | 0 days | 1,524 sqft |
2021-12-01 | 0 days | 1,548 sqft |
2022-01-01 | 0 days | 1,531 sqft |
2022-02-01 | 0 days | 1,557 sqft |
2022-03-01 | 0 days | 1,596 sqft |
2022-04-01 | 0 days | 1,600 sqft |
2022-05-01 | 0 days | 1,650 sqft |
2022-06-01 | 0 days | 1,665 sqft |
2022-07-01 | 0 days | 1,650 sqft |
2022-08-01 | 0 days | 1,600 sqft |
2022-09-01 | 0 days | 1,565 sqft |
2022-10-01 | 0 days | 1,553 sqft |
2022-11-01 | 0 days | 1,557 sqft |
2022-12-01 | 0 days | 1,561 sqft |
2023-01-01 | 0 days | 1,544 sqft |
2023-02-01 | 0 days | 1,552 sqft |
2023-03-01 | 0 days | 1,533 sqft |
2023-04-01 | 0 days | 1,537 sqft |
2023-05-01 | 0 days | 1,585 sqft |
2023-06-01 | 0 days | 1,587 sqft |
2023-07-01 | 0 days | 1,572 sqft |
2023-08-01 | 0 days | 1,576 sqft |
2023-09-01 | 0 days | 1,596 sqft |
2023-10-01 | 0 days | 1,596 sqft |
2023-11-01 | 0 days | 1,548 sqft |
2023-12-01 | 0 days | 1,508 sqft |
2024-01-01 | 0 days | 1,541 sqft |
2024-02-01 | 0 days | 1,561 sqft |
2024-03-01 | 0 days | 1,568 sqft |
2024-04-01 | 0 days | 1,563 sqft |
2024-05-01 | 0 days | 1,608 sqft |
2024-06-01 | 0 days | 1,692 sqft |
2024-07-01 | 0 days | 1,662 sqft |
2024-08-01 | 0 days | 1,600 sqft |
2024-09-01 | 0 days | 1,589 sqft |
2024-10-01 | 0 days | 1,579 sqft |
Clearlake's median square footage for active listings during the 2024-10-01 period was 1,579 sqft. One year prior, the average listing was 1,596 sqft.