Clearlake Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Clearlake averaged
7.32%
for the week of 2025-05-22, compared to the national average of
6.86% for the same period.
The average rate for the prior week (2025-05-15) was
6.97% and
one month ago for the week of 2025-04-17, the
average rate was 7.09%.
Clearlake's average rate one year ago was 7.38%.
For refis of the same type during the week of 2025-05-22, the average rate
was 7.46%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-05-22 | 6.86% |
| Clearlake 30 Year Fixed Rate | 2025-05-22 | 7.32% |
| Clearlake 30 Year Fixed Rate Refi | 2025-05-22 | 7.46% |
| Clearlake 15 Year Fixed Rate | 2025-05-22 | 6.21% |
| Clearlake 15 Year Fixed Rate Refi | 2025-05-22 | 6.11% |
| Clearlake 30 Year FHA | 2025-05-22 | 6.37% |
| Clearlake 30 Year FHA Refi | 2025-05-22 | 6.71% |
| Clearlake 30 Year USDA | 2025-05-22 | 6.33% |
| Clearlake 30 Year USDA Refi | 2025-05-22 | 6.53% |
| Clearlake 30 Year VA | 2025-05-22 | 6.42% |
| Clearlake 30 Year VA Refi | 2025-05-22 | 6.62% |
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.).
Clearlake Average Closing Costs & Other Stats
Clearlake, CA's 95 lenders originated 1,097
loans during 2024. The total origination value was $269,215,000, with an average loan value of
$245,410.
Clearlake's average closing costs are $6,454.
The top Clearlake lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with
70 loans originated. Their average total fees are
$7,276, which is $85
lower than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee Clearlake lenders (with over 10 loans originated) are
REDWOOD ($4,540), The Loan Store, Inc. ($5,024), Century Mortgage Company DBA Century Lending Company ($6,417), UNITED WHOLESALE MORTGAGE, LLC ($7,276) and AMERICAN PACIFIC MORTGAGE CORPORATION ($7,312).
The lowest rate Clearlake lenders (with over 10 loans originated) are
BROKER SOLUTIONS, INC. (6.60%), GUILD MORTGAGE COMPANY (6.65%), GUARANTEED RATE, INC. (6.65%), QUICKEN LOANS, LLC (6.76%) and The Loan Store, Inc. (6.79%).
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 | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| UNITED WHOLESALE MORTGAGE, LLC | $28,880,000 | $37,830,000 | 31.0% | 14.1% |
| QUICKEN LOANS, LLC | $15,100,000 | $26,025,000 | 72.4% | 9.7% |
| Franklin Loan Corporation | $1,160,000 | $15,530,000 | 1,238.8% | 5.8% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $12,575,000 | $10,755,000 | -14.5% | 4.0% |
| REDWOOD | $9,495,000 | $9,020,000 | -5.0% | 3.4% |
| BROKER SOLUTIONS, INC. | $10,355,000 | $7,505,000 | -27.5% | 2.8% |
| Mortgage Research Center, LLC | $3,385,000 | $6,660,000 | 96.8% | 2.5% |
| GUILD MORTGAGE COMPANY | $4,635,000 | $6,175,000 | 33.2% | 2.3% |
| The Loan Store, Inc. | $855,000 | $5,865,000 | 586.0% | 2.2% |
| Paramount Residential Mortgage Group, Inc. | $5,930,000 | $5,610,000 | -5.4% | 2.1% |
| Century Mortgage Company DBA Century Lending Company | $17,600,000 | $5,475,000 | -68.9% | 2.0% |
| Equity Prime Mortgage LLC | $1,355,000 | $4,855,000 | 258.3% | 1.8% |
| PENNYMAC LOAN SERVICES, LLC | $2,600,000 | $4,780,000 | 83.8% | 1.8% |
| Umpqua Bank | $2,830,000 | $4,595,000 | 62.4% | 1.7% |
| GUARANTEED RATE, INC. | $3,490,000 | $4,525,000 | 29.7% | 1.7% |
| NEWREZ LLC | $1,970,000 | $4,465,000 | 126.6% | 1.7% |
| CROSSCOUNTRY MORTGAGE, LLC | $9,150,000 | $3,890,000 | -57.5% | 1.4% |
| FREEDOM MORTGAGE CORPORATION | $660,000 | $3,840,000 | 481.8% | 1.4% |
| LOANDEPOT.COM, LLC | $2,315,000 | $3,475,000 | 50.1% | 1.3% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | $2,900,000 | $2,955,000 | 1.9% | 1.1% |
| Flagstar Bank, FSB | $870,000 | $2,900,000 | 233.3% | 1.1% |
| MASON MCDUFFIE MORTGAGE CORPORATION | $3,715,000 | $2,645,000 | -28.8% | 1.0% |
| Sierra Pacific Mortgage Company, Inc. | $1,555,000 | $2,585,000 | 66.2% | 1.0% |
| COMMUNITY FIRST CREDIT UNION | $2,330,000 | $2,485,000 | 6.7% | 0.9% |
| MORTGAGEONE, INC. | $2,315,000 | n/a | 0.9% | |
| CMG MORTGAGE, INC. | $1,940,000 | $2,010,000 | 3.6% | 0.7% |
| Wells Fargo Bank | $2,370,000 | $1,990,000 | -16.0% | 0.7% |
| PREMIER LENDING, INC. | $1,340,000 | $1,980,000 | 47.8% | 0.7% |
| JPMorgan Chase Bank | $1,245,000 | $1,880,000 | 51.0% | 0.7% |
| PLANET HOME LENDING, LLC | $1,835,000 | n/a | 0.7% | |
| PLAZA HOME MORTGAGE, INC. | $2,215,000 | $1,745,000 | -21.2% | 0.6% |
| SECURITYNATIONAL MORTGAGE COMPANY | $1,745,000 | n/a | 0.6% | |
| VILLAGE CAPITAL MORTGAGE | $915,000 | $1,700,000 | 85.8% | 0.6% |
| GUARANTEED RATE AFFINITY, LLC | $1,210,000 | $1,630,000 | 34.7% | 0.6% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $360,000 | $1,590,000 | 341.7% | 0.6% |
| Mr. Cooper ( Nationstar Mortgage ) | $1,415,000 | $1,555,000 | 9.9% | 0.6% |
| OCMBC, INC. | $905,000 | $1,550,000 | 71.3% | 0.6% |
| Plains Commerce Bank | $1,505,000 | n/a | 0.6% | |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $1,950,000 | $1,480,000 | -24.1% | 0.5% |
| AXIA FINANCIAL, LLC | $4,885,000 | $1,365,000 | -72.1% | 0.5% |
| First National Bank of America | $640,000 | $1,220,000 | 90.6% | 0.5% |
| HOMEXPRESS MORTGAGE CORP. | $215,000 | $1,210,000 | 462.8% | 0.4% |
| AMERISAVE MORTGAGE CORPORATION | $870,000 | $1,125,000 | 29.3% | 0.4% |
| Mechanics Bank | $1,105,000 | n/a | 0.4% | |
| Citadel Servicing Corporation | $105,000 | $1,095,000 | 942.9% | 0.4% |
| NAVY FEDERAL CREDIT UNION | $375,000 | $1,065,000 | 184.0% | 0.4% |
| A&D Mortgage LLC | $570,000 | $1,000,000 | 75.4% | 0.4% |
| FINANCE OF AMERICA REVERSE LLC | $1,135,000 | $1,000,000 | -11.9% | 0.4% |
| Exchange Bank | $995,000 | n/a | 0.4% | |
| MID AMERICA MORTGAGE, INC. | $660,000 | $990,000 | 50.0% | 0.4% |
| TRIAD FINANCIAL SERVICES, INC. | $130,000 | $935,000 | 619.2% | 0.3% |
| BMO Harris Bank | $1,345,000 | $930,000 | -30.9% | 0.3% |
| LAKEVIEW LOAN SERVICING, LLC | $195,000 | $920,000 | 371.8% | 0.3% |
| STANFORD Federal Credit Union | $920,000 | n/a | 0.3% | |
| NEXERA HOLDING LLC | $900,000 | n/a | 0.3% | |
| Tri Counties Bank | $2,970,000 | $805,000 | -72.9% | 0.3% |
| Carrington Mortgage Services, LLC | $1,500,000 | $800,000 | -46.7% | 0.3% |
| ALLIANT CREDIT UNION | $760,000 | n/a | 0.3% | |
| PATELCO | $855,000 | $730,000 | -14.6% | 0.3% |
| FUNDLOANS CAPITAL | $725,000 | n/a | 0.3% | |
| ALAMEDA MORTGAGE CORPORATION | $915,000 | $695,000 | -24.0% | 0.3% |
| BETTER MORTGAGE CORPORATION | $610,000 | $690,000 | 13.1% | 0.3% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $435,000 | $690,000 | 58.6% | 0.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $1,125,000 | $655,000 | -41.8% | 0.2% |
| PNC Bank | $525,000 | $655,000 | 24.8% | 0.2% |
| PHH Mortgage Corporation | $865,000 | $650,000 | -24.9% | 0.2% |
| General Mortgage Capital Corporation | $635,000 | n/a | 0.2% | |
| THE GOLDEN 1 | $1,805,000 | $630,000 | -65.1% | 0.2% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | $430,000 | $620,000 | 44.2% | 0.2% |
| PROPER RATE, LLC | $615,000 | n/a | 0.2% | |
| ZILLOW HOME LOANS, LLC | $410,000 | $615,000 | 50.0% | 0.2% |
| American Mortgage & Equity Consultants, Inc. | $990,000 | $600,000 | -39.4% | 0.2% |
| First Federal Bank | $565,000 | n/a | 0.2% | |
| Figure Lending LLC | $145,000 | $560,000 | 286.2% | 0.2% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $540,000 | n/a | 0.2% | |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $780,000 | $525,000 | -32.7% | 0.2% |
| INFINITY EQUITY GROUP, INC. | $515,000 | n/a | 0.2% | |
| TRAVIS CREDIT UNION | $35,000 | $515,000 | 1,371.4% | 0.2% |
| VELOCITY COMMERCIAL CAPITAL, LLC | $515,000 | n/a | 0.2% | |
| USAA Federal Savings Bank | $1,045,000 | $500,000 | -52.2% | 0.2% |
| CALCON MUTUAL MORTGAGE LLC | $660,000 | $495,000 | -25.0% | 0.2% |
| LOANPAL, LLC | $485,000 | n/a | 0.2% | |
| HOMESIDE FINANCIAL, LLC | $480,000 | n/a | 0.2% | |
| LADERA LENDING, INC. | $105,000 | $480,000 | 357.1% | 0.2% |
| MOVEMENT MORTGAGE, LLC | $720,000 | $460,000 | -36.1% | 0.2% |
| VAL-CHRIS INVESTMENTS, INC. | $205,000 | $460,000 | 124.4% | 0.2% |
| AmeriHome Mortgage Company, LLC | $450,000 | n/a | 0.2% | |
| SANTA CLARA COUNTY | $450,000 | n/a | 0.2% | |
| SPRING EQ, LLC | $65,000 | $440,000 | 576.9% | 0.2% |
| 21ST MORTGAGE CORPORATION | $175,000 | $430,000 | 145.7% | 0.2% |
| AMERICAN FINANCING CORPORATION | $570,000 | $415,000 | -27.2% | 0.2% |
| TOP FLITE FINANCIAL, INC. | $65,000 | $415,000 | 538.5% | 0.2% |
| Farmers & Merchants Bank of Central California | $405,000 | n/a | 0.2% | |
| JMJ FINANCIAL GROUP | $405,000 | n/a | 0.2% | |
| Golden Empire Mortgage, Inc. | $305,000 | $395,000 | 29.5% | 0.1% |
| Mission City Federal Credit Union | $395,000 | n/a | 0.1% | |
| ENVOY MORTGAGE, LTD | $390,000 | n/a | 0.1% | |
| LENDINGHOME FUNDING CORPORATION | $515,000 | $390,000 | -24.3% | 0.1% |
| Baxter Credit Union | $385,000 | n/a | 0.1% | |
| NexBank | $385,000 | n/a | 0.1% | |
| SCHOOLSFIRST | $1,160,000 | $385,000 | -66.8% | 0.1% |
| U.S. Bank | $970,000 | $380,000 | -60.8% | 0.1% |
| Greenbox Loans, Inc. | $305,000 | $375,000 | 23.0% | 0.1% |
| AHL FUNDING | $355,000 | n/a | 0.1% | |
| TECHNOLOGY | $85,000 | $350,000 | 311.8% | 0.1% |
| San Mateo Credit Union | $335,000 | $345,000 | 3.0% | 0.1% |
| Magnolia Bank | $335,000 | n/a | 0.1% | |
| PACIFIC RESIDENTIAL MORTGAGE, LLC | $1,295,000 | $325,000 | -74.9% | 0.1% |
| Barrington Bank & Trust Company, N.A. | $305,000 | n/a | 0.1% | |
| Discover Bank | $140,000 | $305,000 | 117.9% | 0.1% |
| Prosperity Home Mortgage, LLC | $295,000 | n/a | 0.1% | |
| HighTechLending Inc | $205,000 | $290,000 | 41.5% | 0.1% |
| ARC HOME LLC | $285,000 | n/a | 0.1% | |
| SUMMIT FUNDING, INC. | $1,545,000 | $285,000 | -81.6% | 0.1% |
| INTELLILOAN, INC. | $275,000 | n/a | 0.1% | |
| GEO-CORP, INC. | $265,000 | n/a | 0.1% | |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | $265,000 | n/a | 0.1% | |
| STARBOARD FINANCIAL MANAGEMENT, LLC | $265,000 | n/a | 0.1% | |
| LONGBRIDGE FINANCIAL, LLC | $260,000 | n/a | 0.1% | |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $255,000 | n/a | 0.1% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $805,000 | $245,000 | -69.6% | 0.1% |
| Charles Schwab Bank, SSB | $520,000 | $245,000 | -52.9% | 0.1% |
| MICHIGAN MUTUAL, INC. | $245,000 | n/a | 0.1% | |
| SACRAMENTO Credit Union | $245,000 | n/a | 0.1% | |
| STAR ONE CREDIT UNION | $205,000 | $240,000 | 17.1% | 0.1% |
| M&T Bank | $235,000 | $235,000 | 0.0% | 0.1% |
| Princeton Mortgage Corporation | $215,000 | $235,000 | 9.3% | 0.1% |
| Self-Help Federal Credit Union | $725,000 | $235,000 | -67.6% | 0.1% |
| SOUTHLAND CREDIT UNION | $225,000 | n/a | 0.1% | |
| VERITAS FUNDING, LLC | $205,000 | $225,000 | 9.8% | 0.1% |
| GTE Federal Credit Union | $65,000 | $215,000 | 230.8% | 0.1% |
| RESIDENTIAL BANCORP | $440,000 | $210,000 | -52.3% | 0.1% |
| CANOPY MORTGAGE, LLC | $195,000 | $205,000 | 5.1% | 0.1% |
| The Federal Savings Bank | $335,000 | $205,000 | -38.8% | 0.1% |
| PANORAMA MORTGAGE GROUP, LLC | $185,000 | n/a | 0.1% | |
| JMAC LENDING, INC. | $175,000 | n/a | 0.1% | |
| AMERICAN FINANCIAL NETWORK, INC. | $2,055,000 | $165,000 | -92.0% | 0.1% |
| Commerce Home Mortgage, Inc. | $330,000 | $165,000 | -50.0% | 0.1% |
| AMWEST FUNDING CORP. | $985,000 | $155,000 | -84.3% | 0.1% |
| DEEPHAVEN MORTGAGE LLC | $1,225,000 | $155,000 | -87.3% | 0.1% |
| MLD MORTGAGE INC. | $155,000 | n/a | 0.1% | |
| GSF Mortgage Corporation | $145,000 | n/a | 0.1% | |
| Sierra Central Credit Union | $145,000 | n/a | 0.1% | |
| AMERITRUST MORTGAGE CORPORATION | $125,000 | n/a | 0.0% | |
| GUIDANCE RESIDENTIAL, LLC | $125,000 | n/a | 0.0% | |
| Bank of America | $235,000 | $110,000 | -53.2% | 0.0% |
| Ally Bank | $105,000 | n/a | 0.0% | |
| NETWORK CAPITAL FUNDING CORPORATION | $75,000 | n/a | 0.0% | |
| Third Federal Savings and Loan Association of Cleveland | $120,000 | $75,000 | -37.5% | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $95,000 | $55,000 | -42.1% | 0.0% |
| North Coast Financial, Inc. | $55,000 | n/a | 0.0% | |
| APCI Federal Credit Union | $45,000 | n/a | 0.0% | |
| Coastal Community Bank | $50,000 | $45,000 | -10.0% | 0.0% |
| DIGITAL Federal Credit Union | $35,000 | n/a | 0.0% | |
| KINECTA | $35,000 | n/a | 0.0% |
Clearlake's top lender by overall market share is UNITED WHOLESALE MORTGAGE, LLC, with 14.1% market share. In second place, with 9.7%, is QUICKEN LOANS, LLC, having originated $26,025,000 in loans. In third place, with 5.8%, is Franklin Loan Corporation, having originated $15,530,000 in loans. In fourth place, with 4.0%, is AMERICAN PACIFIC MORTGAGE CORPORATION, having originated $10,755,000 in loans. In fifth place, with 3.4%, is REDWOOD, having originated $9,020,000 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 (26.4%) | 0.00 | 438 |
| 2018-06-01 | $339,900 (17.4%) | $452,917 (20.3%) | 0.00 | 461 |
| 2018-07-01 | $331,350 (16.3%) | $436,399 (16.1%) | 0.00 | 463 |
| 2018-08-01 | $329,350 (13.3%) | $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%) | $476,146 (17.8%) | 0.00 | 244 |
| 2020-10-01 | $329,250 (10.0%) | $488,740 (23.8%) | 0.00 | 234 |
| 2020-11-01 | $345,000 (15.8%) | $511,329 (32.8%) | 0.00 | 229 |
| 2020-12-01 | $348,249 (23.3%) | $564,027 (53.8%) | 0.00 | 202 |
| 2021-01-01 | $349,000 (25.1%) | $656,706 (90.8%) | 0.00 | 186 |
| 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 (38.7%) | 0.00 | 280 |
| 2021-10-01 | $389,000 (18.2%) | $657,868 (34.6%) | 0.00 | 291 |
| 2021-11-01 | $382,694 (10.9%) | $654,688 (28.0%) | 0.00 | 279 |
| 2021-12-01 | $387,000 (11.1%) | $661,134 (17.2%) | 0.00 | 253 |
| 2022-01-01 | $383,700 (9.9%) | $612,985 (-6.7%) | 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%) | $584,494 (2.4%) | 0.00 | 406 |
| 2023-12-01 | $389,450 (-2.6%) | $548,826 (-4.3%) | 0.00 | 375 |
| 2024-01-01 | $399,000 (0.0%) | $552,877 (8.9%) | 0.00 | 335 |
| 2024-02-01 | $422,000 (6.3%) | $563,761 (12.3%) | 0.00 | 328 |
| 2024-03-01 | $419,000 (7.8%) | $564,730 (9.6%) | 0.00 | 312 |
| 2024-04-01 | $425,000 (11.8%) | $585,830 (17.8%) | 0.00 | 331 |
| 2024-05-01 | $429,500 (7.5%) | $617,233 (20.4%) | 0.00 | 355 |
| 2024-06-01 | $438,500 (8.5%) | $607,264 (15.6%) | 0.00 | 392 |
| 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 |
| 2024-11-01 | $389,500 (-2.4%) | $552,827 (-5.4%) | 0.00 | 422 |
| 2024-12-01 | $385,000 (-1.1%) | $549,407 (0.1%) | 0.00 | 383 |
| 2025-01-01 | $377,000 (-5.5%) | $531,510 (-3.9%) | 0.00 | 363 |
| 2025-02-01 | $372,500 (-11.7%) | $531,774 (-5.7%) | 0.00 | 371 |
| 2025-03-01 | $379,900 (-9.3%) | $515,488 (-8.7%) | 0.00 | 388 |
| 2025-04-01 | $385,000 (-9.4%) | $521,603 (-11.0%) | 0.00 | 440 |
Clearlake's median listing price comes in at 0% of the national average.
Clearlake's average listing price for 2025-04-01 was $521,603, a difference of $-64,227 (-11.0%) versus the prior year and $6,115 versus the prior month.
For the 2025-04-01 period, Clearlake had 440 MLS listings, a difference of 52 listings (13%) versus the prior month and 109 listings (33%) 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 | 1,527 sqft |
| 2020-11-01 | 0 days | 1,532 sqft |
| 2020-12-01 | 0 days | 1,575 sqft |
| 2021-01-01 | 0 days | 1,511 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 | 1,548 sqft |
| 2024-02-01 | 0 days | 1,564 sqft |
| 2024-03-01 | 0 days | 1,568 sqft |
| 2024-04-01 | 0 days | 1,563 sqft |
| 2024-05-01 | 0 days | 1,600 sqft |
| 2024-06-01 | 0 days | 1,689 sqft |
| 2024-07-01 | 0 days | 1,662 sqft |
| 2024-08-01 | 0 days | 1,600 sqft |
| 2024-09-01 | 0 days | 1,587 sqft |
| 2024-10-01 | 0 days | 1,577 sqft |
| 2024-11-01 | 0 days | 1,543 sqft |
| 2024-12-01 | 0 days | 1,532 sqft |
| 2025-01-01 | 0 days | 1,506 sqft |
| 2025-02-01 | 0 days | 1,500 sqft |
| 2025-03-01 | 0 days | 1,500 sqft |
| 2025-04-01 | 0 days | 1,560 sqft |
Clearlake's median square footage for active listings during the 2025-04-01 period was 1,560 sqft. One year prior, the average listing was 1,563 sqft.
Clearlake, CA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 677 | $193,915,000 | $286,433 |
| Cash Out Refi | 184 | $34,000,000 | $184,783 |
| Refi | 104 | $29,230,000 | $281,058 |
| Other | 74 | $7,140,000 | $96,486 |
| Home Improvement | 58 | $4,930,000 | $85,000 |
Clearlake's most frequently cited loan purpose was Home Purchase, with 677 originations. The 2nd most popular reason was Cash Out Refi, with 184 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 451 | $132,155,000 | $293,027 |
| Over 8% | 243 | $29,185,000 | $120,103 |
| 7-8% | 224 | $59,700,000 | $266,518 |
| 5-6% | 142 | $41,890,000 | $295,000 |
| <2.5% | 23 | $1,195,000 | $51,957 |
| 4-5% | 9 | $3,185,000 | $353,889 |
| 3-4% | 2 | $460,000 | $230,000 |
During 2024, Clearlake's most frequently originated rate bucket was 6-7%, with 451 originations.
Loan Sizing (Clearlake, CA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 504 | $146,980,000 | $291,627 |
| $100k-200k | 231 | $34,935,000 | $151,234 |
| $100,000 or less | 215 | $10,955,000 | $50,953 |
| $400k-600k | 117 | $54,355,000 | $464,573 |
| $600k-1000k | 29 | $20,885,000 | $720,172 |
| $Over $1MM | 1 | $1,105,000 | $1,105,000 |
Clearlake's loan sizing saw the bucket of loans from $200k-400k with 504 originations, totaling $146,980,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 468 | $146,750,000 | $313,568 |
| 60-80% | 226 | $63,770,000 | $282,168 |
| Under 20% | 158 | $8,220,000 | $52,025 |
| 20-40% | 102 | $14,010,000 | $137,353 |
| 40-60% | 95 | $20,975,000 | $220,789 |
| Over 100% | 21 | $7,615,000 | $362,619 |
Clearlake's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 468 originations, totaling $146,750,000 in origination value.