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 6.65% for the week of 2024-02-15, compared to the national average of 6.77% for the same period.

The average rate for the prior week (2024-02-08) was 6.32% and one month ago for the week of 2024-01-11, the average rate was 6.34%.

Clearlake's average rate one year ago was 5.8%.

For refis of the same type during the week of 2024-02-15, the average rate was 5.59%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-02-15 6.77%
Clearlake 30 Year Fixed Rate 2024-02-15 6.65%
Clearlake 30 Year Fixed Rate Refi 2024-02-15 5.59%
Clearlake 15 Year Fixed Rate 2024-02-15 6.02%
Clearlake 15 Year Fixed Rate Refi 2024-02-15 6.22%
Clearlake 30 Year FHA 2024-02-15 5.83%
Clearlake 30 Year FHA Refi 2024-02-15 6.81%
Clearlake 30 Year USDA 2024-02-15 6.79%
Clearlake 30 Year USDA Refi 2024-02-15 6.49%
Clearlake 30 Year VA 2024-02-15 6.66%
Clearlake 30 Year VA Refi 2024-02-15 6.66%
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 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
QUICKEN LOANS, LLC 90 4.48% $6,844
UNITED WHOLESALE MORTGAGE, LLC 53 4.88% $8,098
REDWOOD 50 4.48% $2,418
Century Mortgage Company DBA Century Lending Company 47 5.56% $6,315
AMERICAN PACIFIC MORTGAGE CORPORATION 42 4.92% $7,073
LOANDEPOT.COM, LLC 28 4.83% $6,634
CROSSCOUNTRY MORTGAGE, LLC 20 5.17% $10,699
GUARANTEED RATE, INC. 20 4.55% $4,502
Wells Fargo Bank 18 4.83% $5,489
AXIA FINANCIAL, LLC 18 5.33% $6,815
Umpqua Bank 18 4.29% $5,879
BROKER SOLUTIONS, INC. 14 5.19% $7,653
JPMorgan Chase Bank 12 4.36% $5,006
Paramount Residential Mortgage Group, Inc. 12 5.22% $6,618
AMERISAVE MORTGAGE CORPORATION 10 4.71% $9,585
GUILD MORTGAGE COMPANY 10 4.50% $7,188
SUMMIT FUNDING, INC. 10 6.25% $9,177
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 10 5.05% $4,367
Mr. Cooper ( Nationstar Mortgage ) 9 4.25% $5,822
HOME POINT FINANCIAL CORPORATION 9 4.31% $4,872
GUARANTEED RATE AFFINITY, LLC 8 5.33% $7,754
CALIBER HOME LOANS, INC. 8 4.65% $5,463
Flagstar Bank, FSB 7 4.91% $7,134
NEWREZ LLC 6 4.04% $5,609
Fremont Bank 6 3.33% $592
Sierra Pacific Mortgage Company, Inc. 6 4.21% $6,428
AmeriHome Mortgage Company, LLC 6 4.67% $6,001
FREEDOM MORTGAGE CORPORATION 5 4.75% $4,483
COMMUNITY FIRST CREDIT UNION 5 5.32% $5,147
Bank of the West 5 4.70% $4,456
PREMIER LENDING, INC. 4 6.05% $12,981
MOVEMENT MORTGAGE, LLC 4 3.92% $6,327
MUFG Union Bank 4 4.84% $7,662
FINANCE OF AMERICA MORTGAGE LLC 4 4.00% $7,112
U.S. Bank 4 5.28% $6,652
IMPAC MORTGAGE CORP. 4 3.94% $4,261
S1L, Inc. 3 4.96% $4,700
PHH Mortgage Corporation 3 5.13% $7,069
PENNYMAC LOAN SERVICES, LLC 3 4.92% $7,498
PACIFIC SERVICE 3 4.83% $3,780
BETTER MORTGAGE CORPORATION 3 3.96% $5,040
EVERETT FINANCIAL, INC. 3 4.67% $3,081
Citadel Servicing Corporation 3 8.58% $8,815
ROUNDPOINT MORTGAGE SERVICING CORPORATION 3 4.33% $2,611
CITIZENS EQUITY FIRST 2 5.19% $5,690
Nations Lending Corporation 2 4.49% $16,132
PATELCO 2 5.75% $3,985
CMG MORTGAGE, INC. 2 3.00% $5,167
Golden Empire Mortgage, Inc. 2 4.93% $7,998
NATIONS DIRECT MORTGAGE, LLC 2 4.88% $5,292
OCMBC, INC. 2 5.25% $13,213
MUTUAL OF OMAHA MORTGAGE, INC. 2 4.44% $4,907
Commerce Home Mortgage, Inc. 2 4.18% $4,951
NMSI, INC. 2 5.19% $7,315
NexBank 2 4.38% $6,305
BEST CAPITAL FUNDING 2 4.44% $8,304
HOMEBRIDGE FINANCIAL SERVICES, INC. 2 5.38% $5,010
NAVY FEDERAL CREDIT UNION 2 5.06% $11,559
Hometown Lenders, Inc. 2 4.06% $4,844
NATIONS RELIABLE LENDING, LLC 2 4.63% $6,622
Morgan Stanley Private Bank 2 3.20% $6,045
Firefighters First Federal Credit Union 2 2.63% $0
21ST MORTGAGE CORPORATION 2 8.15% $8,598
PROVIDENT FUNDING ASSOCIATES, L.P. 2 3.69% $4,792
ANGEL OAK MORTGAGE SOLUTIONS LLC 2 4.75% $11,065
FIRST TECHNOLOGY 2 5.75% $4,135
Servion, Inc. 2 3.81% $3,951
PREMIER MORTGAGE RESOURCES, L.L.C. 2 5.50% $7,288
ACADEMY MORTGAGE CORPORATION 2 5.88% $9,387
PLAZA HOME MORTGAGE, INC. 2 3.69% $6,091
Zions Bank 1 3.00% $7,299
Actors Federal Credit Union 1 3.25% $4,898
Ally Bank 1 4.25% $2,683
AMERIFIRST FINANCIAL CORPORATION 1 4.13% $5,543
Amerifirst Financial, Inc. 1 5.88% $13,114
ARC HOME LLC 1 7.25% $6,238
Bank of America 1 2.38% $4,405
BAY 1 6.38% $15,011
BAY EQUITY LLC 1 5.50% $4,314
CARDINAL FINANCIAL 1 5.88% $4,582
Carrington Mortgage Services, LLC 1 3.88% $4,191
Charles Schwab Bank, SSB 1 5.25% $3,060
Chicago Mortgage Solutions LLC 1 4.45% $3,385
Citibank 1 3.50% $2,830
COASTHILLS 1 3.50% $2,548
Constant Investments, Inc. 1 3.50% $4,828
DATA MORTGAGE, INC. 1 4.38% $3,309
ENVOY MORTGAGE, LTD 1 3.99% $3,449
EVERGREEN MONEYSOURCE MORTGAGE COMPANY 1 5.50% $6,821
F&A Federal Credit Union 1 3.25% $2,073
FARMERS INSURANCE GROUP FEDERAL CREDIT UNION 1 4.38% $8,897
First Republic Bank 1 4.05% $5,303
First Savings Bank 1 4.00% $6,226
Franklin Loan Corporation 1 2.88% $17,917
GENEVA FINANCIAL, LLC 1 5.88% $7,723
HOMEXPRESS MORTGAGE CORP. 1 7.25% $20,337
INFINITY EQUITY GROUP, INC. 1 6.50% $5,445
JMAC LENDING, INC. 1 4.99% $6,094
JMJ FINANCIAL GROUP 1 2.88% $8,059
KD CAPITAL MORTGAGE CORPORATION 1 3.25% $4,659
KINECTA 1 4.13% $4,717
LADERA LENDING, INC. 1 5.63% $8,857
LAKEVIEW LOAN SERVICING, LLC 1 3.50% $1,121
MASON MCDUFFIE MORTGAGE CORPORATION 1 3.63% $21,519
Mortgage Research Center, LLC 1 5.75% $6,194
MOUNTAIN WEST FINANCIAL, INC. 1 3.88% $4,858
NETWORK CAPITAL FUNDING CORPORATION 1 5.50% $4,434
Northwest Farm Credit Services, FLCA 1 3.20% $3,775
Operating Engineers Local Union #3 1 5.00% $4,753
PENTAGON FEDERAL CREDIT UNION 1 4.38% $8,813
PLANET HOME LENDING, LLC 1 5.50% $5,175
PRIMARY RESIDENTIAL MORTGAGE, INC. 1 4.63% $18,115
Quontic Bank 1 6.13% $13,868
RESIDENTIAL BANCORP 1 8.75% $7,552
SAFEAMERICA CREDIT UNION 1 2.99% $2,453
SAFE CREDIT UNION 1 6.63% $2,679
SCHOOLSFIRST 1 3.38% $6,705
STANFORD Federal Credit Union 1 5.13% $3,533
STEARNS LENDING, LLC 1 3.50% $5,317
SUN WEST MORTGAGE COMPANY, INC. 1 4.49% $2,670
THE GOLDEN 1 1 2.88% $4,223
TRAVIS CREDIT UNION 1 5.75% $3,887
Tri Counties Bank 1 5.13% $2,601
USE Credit Union 1 5.25% $4,795
Watermark Capital, Inc. 1 3.88% $3,659
1ST UNITED SERVICES CREDIT UNION 1 3.70% $5,571

Clearlake Average Closing Costs & Other Stats

Clearlake, CA's 126 lenders originated 1,617 loans during 2022. The total origination value was $404,745,000, with an average loan value of $250,306.

Clearlake's average closing costs are $5,967.

The top Clearlake lender as defined by loan originations is QUICKEN LOANS, LLC, with 90 loans originated. Their average total fees are $6,844, which is $1,254 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

The lowest fee Clearlake lenders (with over 10 loans originated) are REDWOOD ($2,418), FAIRWAY INDEPENDENT MORTGAGE CORPORATION ($4,367), GUARANTEED RATE, INC. ($4,502), JPMorgan Chase Bank ($5,006) and Wells Fargo Bank ($5,489).

The lowest rate Clearlake lenders (with over 10 loans originated) are Umpqua Bank (4.29%), JPMorgan Chase Bank (4.36%), REDWOOD (4.48%), QUICKEN LOANS, LLC (4.48%) and GUILD MORTGAGE COMPANY (4.50%).

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 2021 Loan Value 2022 Loan Value % Change 2022 Market Share
QUICKEN LOANS, LLC $79,845,000 $37,725,000 -52.8% 9.3%
UNITED WHOLESALE MORTGAGE, LLC $45,145,000 $26,210,000 -41.9% 6.5%
AMERICAN PACIFIC MORTGAGE CORPORATION $40,505,000 $24,380,000 -39.8% 6.0%
Century Mortgage Company DBA Century Lending Company $22,640,000 $22,935,000 1.3% 5.7%
REDWOOD $27,965,000 $22,740,000 -18.7% 5.6%
LOANDEPOT.COM, LLC $34,735,000 $13,735,000 -60.5% 3.4%
CROSSCOUNTRY MORTGAGE, LLC $24,580,000 $13,130,000 -46.6% 3.2%
Umpqua Bank $17,085,000 $12,115,000 -29.1% 3.0%
GUARANTEED RATE, INC. $17,710,000 $9,390,000 -47.0% 2.3%
AXIA FINANCIAL, LLC $15,230,000 $8,280,000 -45.6% 2.0%
Paramount Residential Mortgage Group, Inc. $7,590,000 $7,325,000 -3.5% 1.8%
Mortgage Research Center, LLC $5,840,000 $6,715,000 15.0% 1.7%
Wells Fargo Bank $9,820,000 $6,695,000 -31.8% 1.7%
HOME POINT FINANCIAL CORPORATION $17,200,000 $6,480,000 -62.3% 1.6%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $6,750,000 $5,725,000 -15.2% 1.4%
AMERISAVE MORTGAGE CORPORATION $5,075,000 $5,480,000 8.0% 1.4%
BROKER SOLUTIONS, INC. $10,455,000 $5,155,000 -50.7% 1.3%
FREEDOM MORTGAGE CORPORATION $29,150,000 $5,130,000 -82.4% 1.3%
SUMMIT FUNDING, INC. $7,040,000 $5,025,000 -28.6% 1.2%
GUILD MORTGAGE COMPANY $6,845,000 $5,020,000 -26.7% 1.2%
Flagstar Bank, FSB $11,710,000 $4,905,000 -58.1% 1.2%
GUARANTEED RATE AFFINITY, LLC $5,235,000 $4,870,000 -7.0% 1.2%
Mr. Cooper ( Nationstar Mortgage ) $9,940,000 $4,205,000 -57.7% 1.0%
JPMorgan Chase Bank $8,175,000 $4,110,000 -49.7% 1.0%
CALIBER HOME LOANS, INC. $12,245,000 $3,410,000 -72.2% 0.8%
Sierra Pacific Mortgage Company, Inc. $4,665,000 $3,360,000 -28.0% 0.8%
Commerce Home Mortgage, Inc. $6,900,000 $3,130,000 -54.6% 0.8%
FINANCE OF AMERICA MORTGAGE LLC $7,890,000 $3,125,000 -60.4% 0.8%
COMMUNITY FIRST CREDIT UNION $10,260,000 $3,110,000 -69.7% 0.8%
PENNYMAC LOAN SERVICES, LLC $11,700,000 $3,080,000 -73.7% 0.8%
PREMIER LENDING, INC. $155,000 $2,940,000 1,796.8% 0.7%
U.S. Bank $4,280,000 $2,845,000 -33.5% 0.7%
NEW DAY FINANCIAL, LLC $765,000 $2,620,000 242.5% 0.6%
Mechanics Bank $3,510,000 $2,575,000 -26.6% 0.6%
CMG MORTGAGE, INC. $1,900,000 $2,480,000 30.5% 0.6%
Bank of the West $3,595,000 $2,470,000 -31.3% 0.6%
Nations Lending Corporation $2,690,000 $2,205,000 -18.0% 0.5%
AmeriHome Mortgage Company, LLC $980,000 $2,155,000 119.9% 0.5%
FINANCE OF AMERICA REVERSE LLC $435,000 $2,125,000 388.5% 0.5%
Morgan Stanley Private Bank $965,000 $2,090,000 116.6% 0.5%
Carrington Mortgage Services, LLC $2,965,000 $2,010,000 -32.2% 0.5%
NEWREZ LLC $7,975,000 $1,770,000 -77.8% 0.4%
MOVEMENT MORTGAGE, LLC $560,000 $1,660,000 196.4% 0.4%
REVERSE MORTGAGE FUNDING LLC $400,000 $1,620,000 305.0% 0.4%
EVERETT FINANCIAL, INC. $1,185,000 $1,580,000 33.3% 0.4%
Zions Bancorporation, N.A. $625,000 $1,560,000 149.6% 0.4%
MOUNTAIN WEST FINANCIAL, INC. $3,255,000 $1,545,000 -52.5% 0.4%
HOMEBRIDGE FINANCIAL SERVICES, INC. $5,625,000 $1,505,000 -73.2% 0.4%
Fremont Bank $2,865,000 $1,500,000 -47.6% 0.4%
PACIFIC SERVICE $125,000 $1,465,000 1,072.0% 0.4%
LAKEVIEW LOAN SERVICING, LLC $10,015,000 $1,405,000 -86.0% 0.3%
PRIMARY RESIDENTIAL MORTGAGE, INC. $1,825,000 $1,360,000 -25.5% 0.3%
NATIONS RELIABLE LENDING, LLC $1,805,000 $1,330,000 -26.3% 0.3%
Citadel Servicing Corporation $590,000 $1,320,000 123.7% 0.3%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $4,690,000 $1,195,000 -74.5% 0.3%
The Federal Savings Bank $1,885,000 $1,175,000 -37.7% 0.3%
Hometown Lenders, Inc. $1,155,000 n/a 0.3%
MUFG Union Bank $440,000 $1,130,000 156.8% 0.3%
USAA Federal Savings Bank $1,365,000 $1,095,000 -19.8% 0.3%
Firefighters First Federal Credit Union $225,000 $1,050,000 366.7% 0.3%
AMERICAN ADVISORS GROUP $1,605,000 $1,040,000 -35.2% 0.3%
AMWEST FUNDING CORP. $2,090,000 $1,035,000 -50.5% 0.3%
Tri Counties Bank $4,970,000 $1,025,000 -79.4% 0.3%
DATA MORTGAGE, INC. $1,095,000 $1,010,000 -7.8% 0.2%
Barrington Bank & Trust Company, N.A. $505,000 $960,000 90.1% 0.2%
PHH Mortgage Corporation $335,000 $960,000 186.6% 0.2%
SAN FRANCISCO FIRE CREDIT UNION $145,000 $955,000 558.6% 0.2%
ON Q FINANCIAL, INC. $785,000 $915,000 16.6% 0.2%
PNC Bank $1,110,000 $905,000 -18.5% 0.2%
PLANET HOME LENDING, LLC $895,000 n/a 0.2%
SUN WEST MORTGAGE COMPANY, INC. $9,795,000 $880,000 -91.0% 0.2%
Golden Empire Mortgage, Inc. $480,000 $870,000 81.3% 0.2%
ROUNDPOINT MORTGAGE SERVICING CORPORATION $125,000 $870,000 596.0% 0.2%
BEST CAPITAL FUNDING $860,000 n/a 0.2%
MASON MCDUFFIE MORTGAGE CORPORATION $840,000 n/a 0.2%
ACADEMY MORTGAGE CORPORATION $135,000 $805,000 496.3% 0.2%
AMERICAN FINANCIAL RESOURCES, INC. $1,100,000 $800,000 -27.3% 0.2%
S1L, Inc. $10,895,000 $780,000 -92.8% 0.2%
HOMEXPRESS MORTGAGE CORP. $765,000 n/a 0.2%
OCMBC, INC. $600,000 $765,000 27.5% 0.2%
Franklin Loan Corporation $315,000 $750,000 138.1% 0.2%
NAVY FEDERAL CREDIT UNION $1,355,000 $735,000 -45.8% 0.2%
CITIZENS EQUITY FIRST $730,000 n/a 0.2%
FIRST TECHNOLOGY $945,000 $725,000 -23.3% 0.2%
ARC HOME LLC $720,000 n/a 0.2%
BETTER MORTGAGE CORPORATION $5,960,000 $715,000 -88.0% 0.2%
Axos Bank $705,000 n/a 0.2%
PROVIDENT FUNDING ASSOCIATES, L.P. $2,060,000 $685,000 -66.7% 0.2%
Hometown Equity Mortgage, LLC $640,000 $675,000 5.5% 0.2%
BAY EQUITY LLC $930,000 $670,000 -28.0% 0.2%
IMPAC MORTGAGE CORP. $1,105,000 $670,000 -39.4% 0.2%
Mid-Continent Funding, Inc. $670,000 n/a 0.2%
MUTUAL OF OMAHA MORTGAGE, INC. $955,000 $655,000 -31.4% 0.2%
PLAZA HOME MORTGAGE, INC. $4,980,000 $645,000 -87.0% 0.2%
FARMERS INSURANCE GROUP FEDERAL CREDIT UNION $640,000 n/a 0.2%
NMSI, INC. $2,125,000 $630,000 -70.4% 0.2%
Chicago Mortgage Solutions LLC $620,000 n/a 0.2%
MORTGAGE SOLUTIONS OF COLORADO, LLC $605,000 n/a 0.1%
ANGEL OAK MORTGAGE SOLUTIONS LLC $245,000 $600,000 144.9% 0.1%
LADERA LENDING, INC. $1,695,000 $590,000 -65.2% 0.1%
Servion, Inc. $580,000 n/a 0.1%
NATIONS DIRECT MORTGAGE, LLC $480,000 $570,000 18.8% 0.1%
MID AMERICA MORTGAGE, INC. $1,365,000 $560,000 -59.0% 0.1%
Provident Savings Bank, F.S.B. $555,000 n/a 0.1%
Exchange Bank $990,000 $545,000 -44.9% 0.1%
5TH STREET CAPITAL, INC. $535,000 n/a 0.1%
Amerifirst Financial, Inc. $525,000 n/a 0.1%
NATIONWIDE EQUITIES CORPORATION $525,000 n/a 0.1%
HOMEOWNERS FINANCIAL GROUP USA, LLC $515,000 n/a 0.1%
Constant Investments, Inc. $255,000 $495,000 94.1% 0.1%
First Republic Bank $215,000 $495,000 130.2% 0.1%
HighTechLending Inc $155,000 $490,000 216.1% 0.1%
TRAVIS CREDIT UNION $1,615,000 $490,000 -69.7% 0.1%
LONGBRIDGE FINANCIAL, LLC $715,000 $480,000 -32.9% 0.1%
PREMIER MORTGAGE RESOURCES, L.L.C. $245,000 $470,000 91.8% 0.1%
JMAC LENDING, INC. $295,000 $465,000 57.6% 0.1%
LENDINGHOME FUNDING CORPORATION $1,455,000 $465,000 -68.0% 0.1%
PENTAGON FEDERAL CREDIT UNION $630,000 $455,000 -27.8% 0.1%
GENEVA FINANCIAL, LLC $1,065,000 $430,000 -59.6% 0.1%
DRAPER AND KRAMER MORTGAGE CORP. $480,000 $425,000 -11.5% 0.1%
JMJ FINANCIAL GROUP $425,000 n/a 0.1%
LENDSURE MORTGAGE CORP. $245,000 $425,000 73.5% 0.1%
RESIDENTIAL BANCORP. $1,175,000 $425,000 -63.8% 0.1%
21ST MORTGAGE CORPORATION $680,000 $415,000 -39.0% 0.1%
NexBank $410,000 n/a 0.1%
1ST UNITED SERVICES CREDIT UNION $405,000 n/a 0.1%
MORIA DEVELOPMENT, INC. $2,070,000 $405,000 -80.4% 0.1%
Lakeview Community Capital, LLC $1,575,000 $400,000 -74.6% 0.1%
RANLIFE, INC. $1,670,000 $400,000 -76.0% 0.1%
BECKAM FUNDING CORP. $395,000 n/a 0.1%
HOMESIDE FINANCIAL, LLC $2,615,000 $395,000 -84.9% 0.1%
First Guaranty Mortgage Corporation $1,130,000 $385,000 -65.9% 0.1%
AMERICAN FINANCING CORPORATION $1,275,000 $380,000 -70.2% 0.1%
OPEN MORTGAGE, LLC $785,000 $380,000 -51.6% 0.1%
KINECTA $365,000 n/a 0.1%
THE GOLDEN 1 $385,000 $365,000 -5.2% 0.1%
Figure Lending LLC $440,000 $360,000 -18.2% 0.1%
A&D Mortgage LLC $530,000 $355,000 -33.0% 0.1%
BAY $355,000 $355,000 0.0% 0.1%
EVERGREEN MONEYSOURCE MORTGAGE COMPANY $345,000 n/a 0.1%
SPRING EQ, LLC $895,000 $340,000 -62.0% 0.1%
First Savings Bank $1,120,000 $335,000 -70.1% 0.1%
Bank of America $1,620,000 $330,000 -79.6% 0.1%
Actors Federal Credit Union $325,000 n/a 0.1%
Quontic Bank $2,595,000 $325,000 -87.5% 0.1%
Charles Schwab Bank, SSB $305,000 $305,000 0.0% 0.1%
Operating Engineers Local Union #3 $305,000 n/a 0.1%
First Bank $315,000 $295,000 -6.3% 0.1%
LIBERTY HOME MORTGAGE CORPORATION $285,000 n/a 0.1%
SOVEREIGN LENDING GROUP INCORPORATED $780,000 $285,000 -63.5% 0.1%
PATELCO $2,515,000 $280,000 -88.9% 0.1%
Discover Bank $290,000 $275,000 -5.2% 0.1%
STANFORD Federal Credit Union $275,000 n/a 0.1%
KD CAPITAL MORTGAGE CORPORATION $265,000 n/a 0.1%
UNIFY FINANCIAL Credit Union $265,000 n/a 0.1%
F&A Federal Credit Union $255,000 n/a 0.1%
iCore Lending, Inc. $255,000 n/a 0.1%
NFM, INC. $255,000 n/a 0.1%
OCEANSIDE MORTGAGE COMPANY $285,000 $255,000 -10.5% 0.1%
Unitus Community Credit Union $145,000 $255,000 75.9% 0.1%
THE POLICE Credit Union $195,000 $250,000 28.2% 0.1%
Ally Bank $1,545,000 $245,000 -84.1% 0.1%
COASTHILLS $245,000 n/a 0.1%
SCHOOLSFIRST $245,000 n/a 0.1%
Watermark Capital, Inc. $1,240,000 $245,000 -80.2% 0.1%
WESTCOAST MORTGAGE GROUP AND REALTY COMPANY $615,000 $245,000 -60.2% 0.1%
GOLDEN WEST ALLIANCE, INC. $235,000 n/a 0.1%
INFINITY EQUITY GROUP, INC. $795,000 $235,000 -70.4% 0.1%
CHEVRON $155,000 $230,000 48.4% 0.1%
Bank of England $690,000 $225,000 -67.4% 0.1%
ENVOY MORTGAGE, LTD $225,000 n/a 0.1%
SAN FRANCISCO FEDERAL CREDIT UNION $225,000 n/a 0.1%
USE Credit Union $400,000 $225,000 -43.8% 0.1%
Wyndham Capital Mortgage, Inc. $725,000 $215,000 -70.3% 0.1%
CIVIC FINANCIAL SERVICES, LLC $205,000 n/a 0.1%
Northwest Farm Credit Services, FLCA $205,000 n/a 0.1%
SAFEAMERICA CREDIT UNION $105,000 $205,000 95.2% 0.1%
MORTGAGEONE, INC. $195,000 n/a 0.0%
ALAMEDA MORTGAGE CORPORATION $450,000 $185,000 -58.9% 0.0%
HomeTrust Bank $175,000 n/a 0.0%
INTELLILOAN, INC. $970,000 $160,000 -83.5% 0.0%
Magnolia Bank $590,000 $155,000 -73.7% 0.0%
Third Federal Savings and Loan Association of Cleveland $155,000 n/a 0.0%
AMERIFIRST FINANCIAL CORPORATION $145,000 n/a 0.0%
EMM LOANS LLC $375,000 $145,000 -61.3% 0.0%
Fidelity Bank $145,000 n/a 0.0%
STEARNS LENDING, LLC $11,870,000 $145,000 -98.8% 0.0%
TRIAD FINANCIAL SERVICES, INC. $450,000 $140,000 -68.9% 0.0%
GEORGIA'S OWN $135,000 n/a 0.0%
PACIFIC RESIDENTIAL MORTGAGE, LLC $325,000 $130,000 -60.0% 0.0%
LOANPAL, LLC $3,225,000 $125,000 -96.1% 0.0%
M&T Bank $280,000 $125,000 -55.4% 0.0%
ATHAS CAPITAL GROUP, INC. $105,000 n/a 0.0%
General Mortgage Capital Corporation $205,000 $105,000 -48.8% 0.0%
SAFE CREDIT UNION $105,000 n/a 0.0%
SALAL $105,000 n/a 0.0%
NETWORK CAPITAL FUNDING CORPORATION $2,295,000 $95,000 -95.9% 0.0%
QUORUM FEDERAL CREDIT UNION $65,000 $85,000 30.8% 0.0%
ALLIANT CREDIT UNION $685,000 $55,000 -92.0% 0.0%
Citibank $31,800,000 $55,000 -99.8% 0.0%
CREDIT HUMAN FEDERAL CREDIT UNION $170,000 $55,000 -67.6% 0.0%

Clearlake's top lender by overall market share is QUICKEN LOANS, LLC, with 9.3% market share. In second place, with 6.5%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $26,210,000 in loans. In third place, with 6.0%, is AMERICAN PACIFIC MORTGAGE CORPORATION, having originated $24,380,000 in loans. In fourth place, with 5.7%, is Century Mortgage Company DBA Century Lending Company, having originated $22,935,000 in loans. In fifth place, with 5.6%, is REDWOOD, having originated $22,740,000 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
Clearlake's median listing price for 2023-12-01 was $389,000, a difference of $-10,999 (-2.8%) versus the prior year and $-10,000 versus the prior month.

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

Clearlake's average listing price for 2023-12-01 was $549,146, a difference of $-24,155 (-4.2%) versus the prior year and $-35,532 versus the prior month.

For the 2023-12-01 period, Clearlake had 374 MLS listings, a difference of -32 listings (-8%) versus the prior month and 65 listings (21%) 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
Clearlake's median listing age (time on market) for 2023-12-01 was 0 days.

Clearlake's median square footage for active listings during the 2023-12-01 period was 1,508 sqft. One year prior, the average listing was 1,561 sqft.

Clearlake, CA Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 840 $246,620,000 $293,595
Cash Out Refi 391 $88,125,000 $225,384
Refi 199 $49,485,000 $248,668
Home Improvement 103 $11,135,000 $108,107
Other 84 $9,380,000 $111,667

Clearlake's most frequently cited loan purpose was Home Purchase, with 840 originations. The 2nd most popular reason was Cash Out Refi, with 391 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
3-4% 409 $107,725,000 $263,386
4-5% 383 $101,875,000 $265,992
5-6% 367 $94,555,000 $257,643
6-7% 177 $40,475,000 $228,672
2.5-3% 108 $29,040,000 $268,889
7-8% 65 $14,335,000 $220,538
<2.5% 57 $9,225,000 $161,842
Over 8% 42 $5,970,000 $142,143

During 2022, Clearlake's most frequently originated rate bucket was 3-4%, with 409 originations.

Loan Sizing (Clearlake, CA MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 826 $237,310,000 $287,300
$100k-200k 371 $56,385,000 $151,981
$100,000 or less 231 $12,155,000 $52,619
$400k-600k 158 $74,270,000 $470,063
$600k-1000k 28 $19,710,000 $703,929
$Over $1MM 3 $4,915,000 $1,638,333

Clearlake's loan sizing saw the bucket of loans from $200k-400k with 826 originations, totaling $237,310,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 618 $190,150,000 $307,686
60-80% 426 $122,320,000 $287,136
40-60% 231 $51,955,000 $224,913
Under 20% 169 $8,015,000 $47,426
20-40% 139 $21,995,000 $158,237
Over 100% 10 $3,810,000 $381,000

Clearlake's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 618 originations, totaling $190,150,000 in origination value.