Clearlake Mortgage Rates & Closing Costs

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Clearlake averaged 6.17% for the week of 2024-10-03, compared to the national average of 6.12% for the same period.

The average rate for the prior week (2024-09-26) was 6.03% and one month ago for the week of 2024-08-29, the average rate was 6.3%.

Clearlake's average rate one year ago was 7.46%.

For refis of the same type during the week of 2024-10-03, the average rate was 6.62%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-10-03 6.12%
Clearlake 30 Year Fixed Rate 2024-10-03 6.17%
Clearlake 30 Year Fixed Rate Refi 2024-10-03 6.62%
Clearlake 15 Year Fixed Rate 2024-10-03 5.15%
Clearlake 15 Year Fixed Rate Refi 2024-10-03 5.15%
Clearlake 30 Year FHA 2024-10-03 5.74%
Clearlake 30 Year FHA Refi 2024-10-03 5.79%
Clearlake 30 Year USDA 2024-10-03 5.97%
Clearlake 30 Year USDA Refi 2024-10-03 6.17%
Clearlake 30 Year VA 2024-10-03 5.8%
Clearlake 30 Year VA Refi 2024-10-03 5.4%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Clearlake, CA.

Clearlake Top Lenders by Rates & Fees

The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the Clearlake, CA market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).

Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
UNITED WHOLESALE MORTGAGE, LLC 51 6.97% $8,040
QUICKEN LOANS, LLC 37 6.94% $6,224
Century Mortgage Company DBA Century Lending Company 31 6.78% $7,853
AMERICAN PACIFIC MORTGAGE CORPORATION 18 6.78% $8,503
BROKER SOLUTIONS, INC. 17 7.11% $8,801
REDWOOD 14 7.02% $4,058
CROSSCOUNTRY MORTGAGE, LLC 12 6.69% $9,747
AXIA FINANCIAL, LLC 9 7.21% $8,385
GUILD MORTGAGE COMPANY 9 6.90% $8,862
Paramount Residential Mortgage Group, Inc. 9 6.69% $7,422
Wells Fargo Bank 8 6.77% $6,042
MASON MCDUFFIE MORTGAGE CORPORATION 7 6.86% $9,468
GUARANTEED RATE, INC. 6 6.74% $7,580
Franklin Loan Corporation 5 7.05% $5,852
AMERICAN FINANCIAL NETWORK, INC. 4 6.38% $9,755
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 4 7.12% $5,909
PACIFIC RESIDENTIAL MORTGAGE, LLC 4 4.69% $5,176
PLAZA HOME MORTGAGE, INC. 4 6.97% $11,138
PREMIER LENDING, INC. 4 7.27% $10,631
HOMEOWNERS FINANCIAL GROUP USA, LLC 4 6.50% $9,742
LOANDEPOT.COM, LLC 4 7.47% $9,060
BMO Harris Bank 3 7.17% $4,650
PATELCO 3 6.71% $4,483
SCHOOLSFIRST 3 6.21% $3,483
JPMorgan Chase Bank 3 7.00% $7,787
Umpqua Bank 3 6.75% $6,911
OCMBC, INC. 3 8.04% $12,223
DEEPHAVEN MORTGAGE LLC 3 9.50% $15,652
CMG MORTGAGE, INC. 3 5.92% $8,956
The Loan Store, Inc. 2 7.19% $9,585
Charles Schwab Bank, SSB 2 6.31% $5,018
NEWREZ LLC 2 7.50% $10,544
Mr. Cooper ( Nationstar Mortgage ) 2 7.25% $4,249
EVERGREEN MONEYSOURCE MORTGAGE COMPANY 2 7.50% $6,791
U.S. Bank 2 6.94% $6,319
GUARANTEED RATE AFFINITY, LLC 2 7.75% $11,200
ZILLOW HOME LOANS, LLC 2 6.19% $6,818
VAN DYK MORTGAGE CORPORATION 2 6.25% $3,780
ARK-LA-TEX FINANCIAL SERVICES, LLC. 2 7.06% $9,210
BETTER MORTGAGE CORPORATION 2 6.75% $3,733
COMMUNITY FIRST CREDIT UNION 2 8.25% $5,072
THE GOLDEN 1 2 7.13% $6,112
ACADEMY MORTGAGE CORPORATION 1 6.63% $14,906
Zions Bank 1 7.00% $4,670
ALAMEDA MORTGAGE CORPORATION 1 7.38% $10,818
AMERICAN FINANCIAL RESOURCES, INC. 1 6.75% $7,735
American Mortgage & Equity Consultants, Inc. 1 7.13% $9,446
Bank of the West 1 6.63% $3,787
CANOPY MORTGAGE, LLC 1 6.99% $10,495
Canyon State Credit Union 1 5.63% $5,967
CHEVRON 1 7.00% $8,335
COMMUNITY MORTGAGE FUNDING, LLC 1 6.38% $5,358
First National Bank of America 1 10.00% $12,750
Golden Empire Mortgage, Inc. 1 6.63% $9,137
HOMEBRIDGE FINANCIAL SERVICES, INC. 1 7.13% $12,108
HOMEXPRESS MORTGAGE CORP. 1 7.88% $10,132
Keystone Funding, Inc. 1 6.50% $6,122
LAKEVIEW LOAN SERVICING, LLC 1 6.88% $4,136
LOGIX FEDERAL CREDIT UNION 1 6.75% $1,125
Morgan Stanley Private Bank 1 6.10% $3,511
MOVEMENT MORTGAGE, LLC 1 6.56% $4,538
M&T Bank 1 6.75% $4,254
MUTUAL OF OMAHA MORTGAGE, INC. 1 5.25% $6,673
NBKC BANK 1 5.75% $4,787
NFM, INC. 1 6.99% $11,086
NMSI, INC. 1 7.38% $3,176
NOVA FINANCIAL & INVESTMENT CORPORATION 1 6.49% $7,379
ON Q FINANCIAL, INC. 1 7.63% $8,656
PENNYMAC LOAN SERVICES, LLC 1 7.63% $18,207
PHH Mortgage Corporation 1 7.13% $8,471
PINNACLE LENDING GROUP, INC. 1 5.75% $8,174
PRIMARY RESIDENTIAL MORTGAGE, INC. 1 6.50% $8,305
PRIMELENDING, A PLAINSCAPITAL COMPANY 1 6.99% $7,441
PROVIDENT FUNDING ASSOCIATES, L.P. 1 5.88% $3,860
RESIDENTIAL BANCORP 1 6.00% $6,484
SAN FRANCISCO FEDERAL CREDIT UNION 1 6.25% $5,432
Sierra Pacific Mortgage Company, Inc. 1 5.88% $5,596
STAR ONE CREDIT UNION 1 6.75% $3,165
STOCKTON MORTGAGE CORPORATION 1 6.25% $6,093
SUMMIT FUNDING, INC. 1 6.99% $9,482
Tri Counties Bank 1 6.25% $3,106
USAA Federal Savings Bank 1 6.75% $4,757
US MORTGAGE CORPORATION 1 7.99% $11,534
VANDERBILT MORTGAGE AND FINANCE, INC. 1 7.50% $4,115
WESCOM CENTRAL CREDIT UNION 1 5.88% $5,206

Clearlake Average Closing Costs & Other Stats

Clearlake, CA's 85 lenders originated 949 loans during 2023. The total origination value was $223,605,000, with an average loan value of $235,622.

Clearlake's average closing costs are $6,241.

The top Clearlake lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 51 loans originated. Their average total fees are $8,040, which is $1,816 higher than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee Clearlake lenders (with over 10 loans originated) are REDWOOD ($4,058), QUICKEN LOANS, LLC ($6,224), Century Mortgage Company DBA Century Lending Company ($7,853), UNITED WHOLESALE MORTGAGE, LLC ($8,040) and AMERICAN PACIFIC MORTGAGE CORPORATION ($8,503).

The lowest rate Clearlake lenders (with over 10 loans originated) are CROSSCOUNTRY MORTGAGE, LLC (6.69%), AMERICAN PACIFIC MORTGAGE CORPORATION (6.78%), Century Mortgage Company DBA Century Lending Company (6.78%), QUICKEN LOANS, LLC (6.94%) and UNITED WHOLESALE MORTGAGE, LLC (6.97%).

Clearlake, CA Mortgage Market Share & Volume

Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.

Name 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
UNITED WHOLESALE MORTGAGE, LLC $26,210,000 $28,880,000 10.2% 12.9%
Century Mortgage Company DBA Century Lending Company $22,935,000 $17,600,000 -23.3% 7.9%
QUICKEN LOANS, LLC $37,725,000 $15,100,000 -60.0% 6.8%
AMERICAN PACIFIC MORTGAGE CORPORATION $24,380,000 $12,575,000 -48.4% 5.6%
BROKER SOLUTIONS, INC. $5,155,000 $10,355,000 100.9% 4.6%
REDWOOD $22,740,000 $9,495,000 -58.2% 4.2%
CROSSCOUNTRY MORTGAGE, LLC $13,130,000 $9,150,000 -30.3% 4.1%
Paramount Residential Mortgage Group, Inc. $7,325,000 $5,930,000 -19.0% 2.7%
AXIA FINANCIAL, LLC $8,280,000 $4,885,000 -41.0% 2.2%
GUILD MORTGAGE COMPANY $5,020,000 $4,635,000 -7.7% 2.1%
MASON MCDUFFIE MORTGAGE CORPORATION $840,000 $3,715,000 342.3% 1.7%
GUARANTEED RATE, INC. $9,390,000 $3,490,000 -62.8% 1.6%
Mortgage Research Center, LLC $6,715,000 $3,385,000 -49.6% 1.5%
Tri Counties Bank $1,025,000 $2,970,000 189.8% 1.3%
HOMEOWNERS FINANCIAL GROUP USA, LLC $515,000 $2,900,000 463.1% 1.3%
Umpqua Bank $12,115,000 $2,830,000 -76.6% 1.3%
Prudential Huntoon Paige Associates, LLC $2,785,000 n/a 1.2%
PENNYMAC LOAN SERVICES, LLC $3,080,000 $2,600,000 -15.6% 1.2%
Wells Fargo Bank $6,695,000 $2,370,000 -64.6% 1.1%
COMMUNITY FIRST CREDIT UNION $3,110,000 $2,330,000 -25.1% 1.0%
LOANDEPOT.COM, LLC $13,735,000 $2,315,000 -83.1% 1.0%
PLAZA HOME MORTGAGE, INC. $645,000 $2,215,000 243.4% 1.0%
AMERICAN FINANCIAL NETWORK, INC. $2,055,000 n/a 0.9%
NEWREZ LLC $1,770,000 $1,970,000 11.3% 0.9%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $5,725,000 $1,950,000 -65.9% 0.9%
CMG MORTGAGE, INC. $2,480,000 $1,940,000 -21.8% 0.9%
THE GOLDEN 1 $365,000 $1,805,000 394.5% 0.8%
Sierra Pacific Mortgage Company, Inc. $3,360,000 $1,555,000 -53.7% 0.7%
SUMMIT FUNDING, INC. $5,025,000 $1,545,000 -69.3% 0.7%
Carrington Mortgage Services, LLC $2,010,000 $1,500,000 -25.4% 0.7%
Mr. Cooper ( Nationstar Mortgage ) $4,205,000 $1,415,000 -66.3% 0.6%
Equity Prime Mortgage LLC $1,355,000 n/a 0.6%
BMO Harris Bank $1,345,000 n/a 0.6%
PREMIER LENDING, INC. $2,940,000 $1,340,000 -54.4% 0.6%
PACIFIC RESIDENTIAL MORTGAGE, LLC $130,000 $1,295,000 896.2% 0.6%
JPMorgan Chase Bank $4,110,000 $1,245,000 -69.7% 0.6%
DEEPHAVEN MORTGAGE LLC $1,225,000 n/a 0.5%
GUARANTEED RATE AFFINITY, LLC $4,870,000 $1,210,000 -75.2% 0.5%
Franklin Loan Corporation $750,000 $1,160,000 54.7% 0.5%
SCHOOLSFIRST $245,000 $1,160,000 373.5% 0.5%
FINANCE OF AMERICA REVERSE LLC $2,125,000 $1,135,000 -46.6% 0.5%
MUTUAL OF OMAHA MORTGAGE, INC. $655,000 $1,125,000 71.8% 0.5%
USAA Federal Savings Bank $1,095,000 $1,045,000 -4.6% 0.5%
SUN WEST MORTGAGE COMPANY, INC. $880,000 $1,010,000 14.8% 0.5%
American Mortgage & Equity Consultants, Inc. $990,000 n/a 0.4%
AMWEST FUNDING CORP. $1,035,000 $985,000 -4.8% 0.4%
U.S. Bank $2,845,000 $970,000 -65.9% 0.4%
ALAMEDA MORTGAGE CORPORATION $185,000 $915,000 394.6% 0.4%
VILLAGE CAPITAL MORTGAGE $915,000 n/a 0.4%
OCMBC, INC. $765,000 $905,000 18.3% 0.4%
AMERISAVE MORTGAGE CORPORATION $5,480,000 $870,000 -84.1% 0.4%
Flagstar Bank, FSB $4,905,000 $870,000 -82.3% 0.4%
PHH Mortgage Corporation $960,000 $865,000 -9.9% 0.4%
PATELCO $280,000 $855,000 205.4% 0.4%
The Loan Store, Inc. $855,000 n/a 0.4%
AMERICAN FINANCIAL RESOURCES, INC. $800,000 $805,000 0.6% 0.4%
PRIMARY RESIDENTIAL MORTGAGE, INC. $1,360,000 $780,000 -42.6% 0.3%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $730,000 n/a 0.3%
Self-Help Federal Credit Union $725,000 n/a 0.3%
MOVEMENT MORTGAGE, LLC $1,660,000 $720,000 -56.6% 0.3%
CALCON MUTUAL MORTGAGE LLC $660,000 n/a 0.3%
FREEDOM MORTGAGE CORPORATION $5,130,000 $660,000 -87.1% 0.3%
MID AMERICA MORTGAGE, INC. $560,000 $660,000 17.9% 0.3%
First National Bank of America $640,000 n/a 0.3%
BETTER MORTGAGE CORPORATION $715,000 $610,000 -14.7% 0.3%
A&D Mortgage LLC $355,000 $570,000 60.6% 0.3%
AMERICAN FINANCING CORPORATION $380,000 $570,000 50.0% 0.3%
NFM, INC. $255,000 $555,000 117.6% 0.2%
PNC Bank $905,000 $525,000 -42.0% 0.2%
Charles Schwab Bank, SSB $305,000 $520,000 70.5% 0.2%
LENDINGHOME FUNDING CORPORATION $465,000 $515,000 10.8% 0.2%
US MORTGAGE CORPORATION $505,000 n/a 0.2%
ACADEMY MORTGAGE CORPORATION $805,000 $475,000 -41.0% 0.2%
Zions Bank $1,560,000 $475,000 -69.6% 0.2%
RESIDENTIAL BANCORP $425,000 $440,000 3.5% 0.2%
PROVIDENT FUNDING ASSOCIATES, L.P. $685,000 $435,000 -36.5% 0.2%
EVERGREEN MONEYSOURCE MORTGAGE COMPANY $345,000 $430,000 24.6% 0.2%
Banner Bank $425,000 n/a 0.2%
SAN FRANCISCO FEDERAL CREDIT UNION $225,000 $425,000 88.9% 0.2%
ZILLOW HOME LOANS, LLC $410,000 n/a 0.2%
ON Q FINANCIAL, INC. $915,000 $385,000 -57.9% 0.2%
NAVY FEDERAL CREDIT UNION $735,000 $375,000 -49.0% 0.2%
EVERETT FINANCIAL, INC. $1,580,000 $365,000 -76.9% 0.2%
HOMEBRIDGE FINANCIAL SERVICES, INC. $1,505,000 $360,000 -76.1% 0.2%
ALLIED MORTGAGE GROUP, INC. $335,000 n/a 0.1%
San Mateo Credit Union $335,000 n/a 0.1%
The Federal Savings Bank $1,175,000 $335,000 -71.5% 0.1%
Commerce Home Mortgage, Inc. $3,130,000 $330,000 -89.5% 0.1%
NOVA FINANCIAL & INVESTMENT CORPORATION $315,000 n/a 0.1%
Golden Empire Mortgage, Inc. $870,000 $305,000 -64.9% 0.1%
Greenbox Loans, Inc. $305,000 n/a 0.1%
LOGIX FEDERAL CREDIT UNION $305,000 n/a 0.1%
CARDINAL FINANCIAL $1,195,000 $265,000 -77.8% 0.1%
Keystone Funding, Inc. $265,000 n/a 0.1%
First Bank $295,000 $255,000 -13.6% 0.1%
NATIONS DIRECT MORTGAGE, LLC $570,000 $255,000 -55.3% 0.1%
NBKC BANK $255,000 n/a 0.1%
VAN DYK MORTGAGE CORPORATION $250,000 n/a 0.1%
Bank of England $225,000 $245,000 8.9% 0.1%
Bank of America $330,000 $235,000 -28.8% 0.1%
Fremont Bank $1,500,000 $235,000 -84.3% 0.1%
Hometown Equity Mortgage, LLC $675,000 $235,000 -65.2% 0.1%
M&T Bank $125,000 $235,000 88.0% 0.1%
Morgan Stanley Private Bank $2,090,000 $225,000 -89.2% 0.1%
HOMEXPRESS MORTGAGE CORP. $765,000 $215,000 -71.9% 0.1%
Princeton Mortgage Corporation $215,000 n/a 0.1%
HighTechLending Inc $490,000 $205,000 -58.2% 0.1%
STAR ONE CREDIT UNION $205,000 n/a 0.1%
VAL-CHRIS INVESTMENTS, INC. $205,000 n/a 0.1%
VERITAS FUNDING, LLC $205,000 n/a 0.1%
CANOPY MORTGAGE, LLC $195,000 n/a 0.1%
LAKEVIEW LOAN SERVICING, LLC $1,405,000 $195,000 -86.1% 0.1%
PRIMELENDING, A PLAINSCAPITAL COMPANY $195,000 n/a 0.1%
OPEN MORTGAGE, LLC $380,000 $185,000 -51.3% 0.1%
PINNACLE LENDING GROUP, INC. $185,000 n/a 0.1%
21ST MORTGAGE CORPORATION $415,000 $175,000 -57.8% 0.1%
CHEVRON $230,000 $165,000 -28.3% 0.1%
COMMUNITY MORTGAGE FUNDING, LLC $165,000 n/a 0.1%
Bank of the West $2,470,000 $150,000 -93.9% 0.1%
Canyon State Credit Union $145,000 n/a 0.1%
Figure Lending LLC $360,000 $145,000 -59.7% 0.1%
Discover Bank $275,000 $140,000 -49.1% 0.1%
TRIAD FINANCIAL SERVICES, INC. $140,000 $130,000 -7.1% 0.1%
NMSI, INC. $630,000 $125,000 -80.2% 0.1%
Third Federal Savings and Loan Association of Cleveland $155,000 $120,000 -22.6% 0.1%
STOCKTON MORTGAGE CORPORATION $115,000 n/a 0.1%
SAN FRANCISCO FIRE CREDIT UNION $955,000 $110,000 -88.5% 0.0%
Citadel Servicing Corporation $1,320,000 $105,000 -92.0% 0.0%
Commercial Loan Corporation $105,000 n/a 0.0%
LADERA LENDING, INC. $590,000 $105,000 -82.2% 0.0%
WESCOM CENTRAL CREDIT UNION $105,000 n/a 0.0%
VANDERBILT MORTGAGE AND FINANCE, INC. $100,000 n/a 0.0%
CREDIT HUMAN FEDERAL CREDIT UNION $55,000 $95,000 72.7% 0.0%
Operating Engineers Local Union #3 $305,000 $95,000 -68.9% 0.0%
TECHNOLOGY $85,000 n/a 0.0%
GEORGIA'S OWN $135,000 $75,000 -44.4% 0.0%
GTE Federal Credit Union $65,000 n/a 0.0%
ROYAL UNITED MORTGAGE LLC $65,000 n/a 0.0%
SPRING EQ, LLC $340,000 $65,000 -80.9% 0.0%
TOP FLITE FINANCIAL, INC. $65,000 n/a 0.0%
Coastal Community Bank $50,000 n/a 0.0%
GREAT LAKES $35,000 n/a 0.0%
TRAVIS CREDIT UNION $490,000 $35,000 -92.9% 0.0%
Truist $15,000 n/a 0.0%

Clearlake's top lender by overall market share is UNITED WHOLESALE MORTGAGE, LLC, with 12.9% market share. In second place, with 7.9%, is Century Mortgage Company DBA Century Lending Company, having originated $17,600,000 in loans. In third place, with 6.8%, is QUICKEN LOANS, LLC, having originated $15,100,000 in loans. In fourth place, with 5.6%, is AMERICAN PACIFIC MORTGAGE CORPORATION, having originated $12,575,000 in loans. In fifth place, with 4.6%, is BROKER SOLUTIONS, INC., having originated $10,355,000 in loans.


Clearlake Housing Market Trends (Median, Average Prices & Listing Count)

Realtor.com - Clearlake (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date 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
Clearlake's median listing price for 2024-09-01 was $392,500, a difference of $-26,500 (-6.3%) versus the prior year and $-7,400 versus the prior month.

Clearlake's median listing price comes in at 0% of the national average.

Clearlake's average listing price for 2024-09-01 was $544,549, a difference of $-68,294 (-11.1%) versus the prior year and $-14,340 versus the prior month.

For the 2024-09-01 period, Clearlake had 476 MLS listings, a difference of 40 listings (9%) versus the prior month and 97 listings (26%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Clearlake (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date 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
Clearlake's median listing age (time on market) for 2024-09-01 was 0 days.

Clearlake's median square footage for active listings during the 2024-09-01 period was 1,589 sqft. One year prior, the average listing was 1,596 sqft.

Clearlake, CA Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 633 $176,675,000 $279,107
Cash Out Refi 131 $23,185,000 $176,985
Home Improvement 72 $5,800,000 $80,556
Other 61 $5,885,000 $96,475
Refi 52 $12,060,000 $231,923

Clearlake's most frequently cited loan purpose was Home Purchase, with 633 originations. The 2nd most popular reason was Cash Out Refi, with 131 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 389 $110,725,000 $284,640
7-8% 262 $58,220,000 $222,214
Over 8% 142 $19,860,000 $139,859
5-6% 117 $32,455,000 $277,393
<2.5% 32 $730,000 $22,813
4-5% 5 $1,245,000 $249,000
3-4% 1 $365,000 $365,000

During 2023, Clearlake's most frequently originated rate bucket was 6-7%, with 389 originations.

Loan Sizing (Clearlake, CA MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 434 $128,260,000 $295,530
$100k-200k 211 $31,995,000 $151,635
$100,000 or less 201 $9,875,000 $49,129
$400k-600k 91 $42,505,000 $467,088
$600k-1000k 10 $6,820,000 $682,000
$Over $1MM 2 $4,150,000 $2,075,000

Clearlake's loan sizing saw the bucket of loans from $200k-400k with 434 originations, totaling $128,260,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 419 $127,725,000 $304,833
60-80% 175 $49,885,000 $285,057
Under 20% 152 $6,890,000 $45,329
20-40% 98 $13,990,000 $142,755
40-60% 91 $20,215,000 $222,143
Over 100% 10 $3,610,000 $361,000

Clearlake's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 419 originations, totaling $127,725,000 in origination value.