Clearlake Mortgage Rates & Closing Costs

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

    30 Year Fixed Rate mortgages in Clearlake averaged 6.74% for the week of 2024-11-07, compared to the national average of 6.79% for the same period.

    The average rate for the prior week (2024-10-31) was 6.87% and one month ago for the week of 2024-10-03, the average rate was 6.27%.

    Clearlake's average rate one year ago was 7.71%.

    For refis of the same type during the week of 2024-11-07, the average rate was 6.79%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2024-11-07 6.79%
    Clearlake 30 Year Fixed Rate 2024-11-07 6.74%
    Clearlake 30 Year Fixed Rate Refi 2024-11-07 6.79%
    Clearlake 15 Year Fixed Rate 2024-11-07 6%
    Clearlake 15 Year Fixed Rate Refi 2024-11-07 6.2%
    Clearlake 30 Year FHA 2024-11-07 6.08%
    Clearlake 30 Year FHA Refi 2024-11-07 6.63%
    Clearlake 30 Year USDA 2024-11-07 6.68%
    Clearlake 30 Year USDA Refi 2024-11-07 6.28%
    Clearlake 30 Year VA 2024-11-07 6.14%
    Clearlake 30 Year VA Refi 2024-11-07 6.24%
    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
    2024-10-01 $397,500 (-3.0%) $548,409 (-7.8%) 0.00 463
    Clearlake's median listing price for 2024-10-01 was $397,500, a difference of $-12,475 (-3.0%) versus the prior year and $5,000 versus the prior month.

    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. 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
    2024-10-01 0 days 1,579 sqft
    Clearlake's median listing age (time on market) for 2024-10-01 was 0 days.

    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.

    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.