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 6.72% for the week of 2022-11-23, compared to the national average of 6.58% for the same period.

The average rate for the prior week (2022-11-17) was 7.15% and one month ago for the week of 2022-10-20, the average rate was 7.38%.

Clearlake's average rate one year ago was 3.55%.

For refis of the same type during the week of 2022-11-23, the average rate was 6.7%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-11-23 6.58%
Clearlake 30 Year Fixed Rate 2022-11-23 6.72%
Clearlake 30 Year Fixed Rate Refi 2022-11-23 6.7%
Clearlake 15 Year Fixed Rate 2022-11-23 6.96%
Clearlake 15 Year Fixed Rate Refi 2022-11-23 5.92%
Clearlake 30 Year FHA 2022-11-23 -0.06%
Clearlake 30 Year FHA Refi 2022-11-23 -0.24%
Clearlake 30 Year USDA 2022-11-23 -0.32%
Clearlake 30 Year USDA Refi 2022-11-23 -0.06%
Clearlake 30 Year VA 2022-11-23 0.42%
Clearlake 30 Year VA Refi 2022-11-23 -0.24%
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 2021 Avg. 30yFix Rate 2021 Avg. Closing Costs
QUICKEN LOANS, LLC 195 3.03% $4,722
UNITED WHOLESALE MORTGAGE, LLC 112 2.99% $5,014
AMERICAN PACIFIC MORTGAGE CORPORATION 74 3.22% $4,882
LOANDEPOT.COM, LLC 71 3.08% $5,065
REDWOOD 70 3.17% $2,562
Century Mortgage Company DBA Century Lending Company 52 3.30% $5,156
GUARANTEED RATE, INC. 49 3.05% $3,567
CROSSCOUNTRY MORTGAGE, LLC 48 3.12% $5,978
HOME POINT FINANCIAL CORPORATION 40 2.98% $4,930
AXIA FINANCIAL, LLC 39 3.32% $4,469
Umpqua Bank 31 3.17% $4,601
Flagstar Bank, FSB 31 3.27% $4,826
COMMUNITY FIRST CREDIT UNION 31 3.74% $5,248
Wells Fargo Bank 31 3.24% $3,298
STEARNS LENDING, LLC 29 3.10% $4,796
S1L, Inc. 26 3.11% $4,578
CALIBER HOME LOANS, INC. 26 3.05% $4,709
BROKER SOLUTIONS, INC. 25 3.11% $5,705
JPMorgan Chase Bank 24 3.11% $3,467
Paramount Residential Mortgage Group, Inc. 19 3.28% $4,321
FINANCE OF AMERICA MORTGAGE LLC 18 3.09% $5,729
SUMMIT FUNDING, INC. 18 3.22% $5,183
AMERISAVE MORTGAGE CORPORATION 17 2.90% $5,090
FREEDOM MORTGAGE CORPORATION 17 3.18% $3,128
GUILD MORTGAGE COMPANY 16 3.29% $5,078
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 15 3.07% $4,947
NEWREZ LLC 14 3.08% $4,131
Commerce Home Mortgage, Inc. 13 3.30% $4,261
Mr. Cooper ( Nationstar Mortgage ) 13 3.15% $6,425
GUARANTEED RATE AFFINITY, LLC 12 2.98% $4,127
BETTER MORTGAGE CORPORATION 12 3.08% $2,769
Sierra Pacific Mortgage Company, Inc. 11 3.14% $5,979
U.S. Bank 10 3.02% $4,112
Tri Counties Bank 10 3.56% $3,754
LOANPAL, LLC 9 3.53% $6,131
PENNYMAC LOAN SERVICES, LLC 9 2.92% $5,442
NETWORK CAPITAL FUNDING CORPORATION 9 2.82% $4,925
SUN WEST MORTGAGE COMPANY, INC. 8 3.28% $6,498
HOMEBRIDGE FINANCIAL SERVICES, INC. 8 3.23% $5,787
NMSI, INC. 7 3.64% $10,805
PLAZA HOME MORTGAGE, INC. 7 3.13% $5,568
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 7 3.11% $4,171
PATELCO 7 3.22% $3,202
PARKSIDE LENDING, LLC 7 3.03% $4,928
Bank of the West 7 3.38% $3,608
ZILLOW HOME LOANS, LLC 6 3.02% $3,505
Fremont Bank 6 3.21% $569
MOUNTAIN WEST FINANCIAL, INC. 6 2.81% $7,377
AMERICAN FINANCIAL NETWORK, INC. 6 3.08% $8,849
HOMESIDE FINANCIAL, LLC 6 3.00% $4,388
LADERA LENDING, INC. 5 2.78% $4,831
AMERICAN FINANCING CORPORATION 5 2.92% $3,532
Bank of America 5 2.95% $4,488
PRIMARY RESIDENTIAL MORTGAGE, INC. 5 3.23% $5,673
InterContinental Capital Group, Inc 4 2.84% $8,417
NBKC BANK 4 3.00% $2,156
BAY EQUITY LLC 4 3.47% $5,497
Watermark Capital, Inc. 4 2.71% $2,713
Quontic Bank 4 5.41% $11,546
CELEBRITY HOME LOANS, LLC 3 3.71% $4,812
RESIDENTIAL BANCORP. 3 3.54% $9,930
TRAVIS CREDIT UNION 3 3.17% $3,455
PROVIDENT FUNDING ASSOCIATES, L.P. 3 2.71% $2,841
Wyndham Capital Mortgage, Inc. 3 2.71% $2,781
Equity Prime Mortgage LLC 3 3.21% $5,701
Ally Bank 3 2.79% $7,818
INTELLILOAN, INC. 3 3.13% $4,895
INFINITY EQUITY GROUP, INC. 3 3.04% $3,569
MORIA DEVELOPMENT, INC. 3 3.75% $6,514
IMPAC MORTGAGE CORP. 3 2.75% $1,381
Mortgage Research Center, LLC 3 2.96% $3,327
SPRING EQ, LLC 3 2.83% $0
MOVEMENT MORTGAGE, LLC 2 3.06% $7,018
A&D Mortgage LLC 2 6.88% $8,141
ALAMEDA MORTGAGE CORPORATION 2 2.94% $4,073
AmeriHome Mortgage Company, LLC 2 3.13% $3,172
ARK-LA-TEX FINANCIAL SERVICES, LLC. 2 3.25% $2,756
AUGUSTA FINANCIAL, INC. 2 3.06% $4,365
Austin Capital Bank SSB 2 2.94% $12,606
BNC National Bank 2 3.00% $3,820
CMG MORTGAGE, INC. 2 2.99% $6,127
Discover Bank 2 3.99% $0
DRAPER AND KRAMER MORTGAGE CORP. 2 3.12% $4,876
EVERETT FINANCIAL, INC. 2 4.38% $2,921
First Guaranty Mortgage Corporation 2 3.06% $6,230
GENEVA FINANCIAL, LLC 2 3.31% $5,930
Greenbox Loans, Inc. 2 6.12% $10,812
INSPIRE HOME LOANS INC. 2 3.50% $4,468
LAKEVIEW LOAN SERVICING, LLC 2 3.56% $2,198
LAND HOME FINANCIAL SERVICES, INC. 2 3.50% $3,010
LENDUS, LLC 2 3.31% $3,867
MUTUAL OF OMAHA MORTGAGE, INC. 2 2.63% $5,384
NATIONS RELIABLE LENDING, LLC 2 3.56% $4,982
NATIONWIDE MORTGAGE BANKERS, INC. 2 3.50% $8,969
NAVY FEDERAL CREDIT UNION 2 4.19% $12,341
PNC Bank 2 2.94% $4,784
RANLIFE, INC. 2 4.43% $6,107
ROYAL UNITED MORTGAGE LLC 2 3.63% $9,156
Strong Home Mortgage, LLC 2 3.06% $1,780
THE GOLDEN 1 2 3.25% $3,314
USE Credit Union 2 3.00% $2,418
General Mortgage Capital Corporation 1 2.63% $4,585
FOOTHILL FEDERAL CREDIT UNION 1 2.88% $2,992
21ST MORTGAGE CORPORATION 1 7.30% $9,504
FIRST TECHNOLOGY 1 3.13% $2,825
ATLANTA POSTAL 1 2.88% $5,946
NATIONS DIRECT MORTGAGE, LLC 1 2.88% $2,624
Nations Lending Corporation 1 3.25% $3,351
USAA Federal Savings Bank 1 3.13% $2,567
ANGEL OAK MORTGAGE SOLUTIONS LLC 1 3.38% $6,354
ACADEMY MORTGAGE CORPORATION 1 3.50% $3,285
First Savings Bank 1 3.38% $7,002
First Republic Bank 1 2.95% $2,438
FIRST NATIONS HOME FINANCE CORPORATION 1 2.63% $3,710
First Bank 1 2.88% $3,594
North American Savings Bank, F.S.B. 1 3.25% $5,599
Northpointe Bank 1 2.99% $3,261
OPEN MORTGAGE, LLC 1 2.38% $5,496
PANORAMA MORTGAGE GROUP, LLC 1 3.38% $6,111
Firefighters First Federal Credit Union 1 3.00% $2,158
Evolve Bank & Trust 1 3.25% $4,840
EMM LOANS LLC 1 2.88% $9,074
EMBRACE HOME LOANS, INC. 1 3.25% $7,943
Platinum Home Mortgage Corporation 1 3.38% $5,561
DIGNIFIED HOME LOANS, LLC 1 3.13% $8,513
AmRes Corporation 1 2.50% $1,156
PREMIER LENDING, INC. 1 4.00% $5,316
PREMIER MORTGAGE RESOURCES, L.L.C. 1 3.25% $7,158
DIGITAL Federal Credit Union 1 3.00% $8,136
Provident Credit Union 1 2.88% $5,705
DATA MORTGAGE, INC. 1 3.38% $8,219
COUNTRY CLUB MORTGAGE, INC. 1 3.38% $7,167
Constant Investments, Inc. 1 3.13% $4,280
AMERICAN INTERNET MORTGAGE, INC. 1 3.63% $2,726
Colonial Savings, F.A. 1 2.88% $3,502
Citizens Bank 1 3.00% $5,192
ROUNDPOINT MORTGAGE SERVICING CORPORATION 1 2.88% $474
WESTERN EXPRESS LENDING 1 3.38% $3,610
Citibank 1 3.00% $3,093
SAFEAMERICA CREDIT UNION 1 2.99% $2,612
San Mateo Credit Union 1 3.25% $3,380
SCENIC OAKS FUNDING, INC. 1 2.50% $6,389
Citadel Servicing Corporation 1 4.38% $8,560
SOVEREIGN LENDING GROUP INCORPORATED 1 3.38% $3,548
CHURCHILL MORTGAGE CORPORATION 1 3.99% $4,166
CHEVRON 1 2.88% $3,246
WINNPOINTE CORPORATION 1 2.63% $0
Carrington Mortgage Services, LLC 1 3.00% $3,733
Sunflower Bank 1 3.75% $6,297
Bell Bank 1 2.88% $8,537
The Federal Savings Bank 1 3.13% $2,123
ALL WESTERN MORTGAGE, INC. 1 3.63% $2,997
TOP FLITE FINANCIAL, INC. 1 3.63% $10,427
KELLER MORTGAGE, LLC 1 2.75% $2,431
JTF ROSE, INC. 1 8.95% $7,812
BAY 1 3.13% $0
Baxter Credit Union 1 3.25% $3,314
LENDSURE MORTGAGE CORP. 1 4.88% $10,659
Bank of England 1 2.88% $3,188
LENOX FINANCIAL MORTGAGE CORPORATION 1 2.63% $1,370
Hometown Equity Mortgage, LLC 1 3.38% $6,569
GOOGAIN, INC. 1 3.00% $2,930
Magnolia Bank 1 2.88% $5,422
MEGASTAR FINANCIAL CORP. 1 3.50% $5,341
Morgan Stanley Private Bank 1 2.95% $4,362
Golden Empire Mortgage, Inc. 1 3.38% $5,270

Clearlake Average Closing Costs & Other Stats

Clearlake, CA's 166 lenders originated 3,021 loans during 2021. The total origination value was $788,775,000, with an average loan value of $261,097.

Clearlake's average closing costs are $5,636.

The top Clearlake lender as defined by loan originations is QUICKEN LOANS, LLC, with 195 loans originated. Their average total fees are $4,722, which is $292 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

The lowest fee Clearlake lenders (with over 10 loans originated) are REDWOOD ($2,562), BETTER MORTGAGE CORPORATION ($2,769), FREEDOM MORTGAGE CORPORATION ($3,128), Wells Fargo Bank ($3,298) and JPMorgan Chase Bank ($3,467).

The lowest rate Clearlake lenders (with over 10 loans originated) are AMERISAVE MORTGAGE CORPORATION (2.90%), GUARANTEED RATE AFFINITY, LLC (2.98%), HOME POINT FINANCIAL CORPORATION (2.98%), UNITED WHOLESALE MORTGAGE, LLC (2.99%) and U.S. Bank (3.02%).

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 2020 Loan Value 2021 Loan Value % Change 2021 Market Share
QUICKEN LOANS, LLC $62,630,000 $79,845,000 27.5% 10.1%
UNITED WHOLESALE MORTGAGE, LLC $33,825,000 $45,145,000 33.5% 5.7%
AMERICAN PACIFIC MORTGAGE CORPORATION $25,120,000 $40,505,000 61.2% 5.1%
LOANDEPOT.COM, LLC $18,395,000 $34,735,000 88.8% 4.4%
Citibank $390,000 $31,800,000 8,053.8% 4.0%
FREEDOM MORTGAGE CORPORATION $29,885,000 $29,150,000 -2.5% 3.7%
REDWOOD $20,120,000 $27,965,000 39.0% 3.5%
CROSSCOUNTRY MORTGAGE, LLC $29,215,000 $24,580,000 -15.9% 3.1%
Century Mortgage Company DBA Century Lending Company $22,640,000 n/a 2.9%
GUARANTEED RATE, INC. $16,295,000 $17,710,000 8.7% 2.2%
HOME POINT FINANCIAL CORPORATION $5,100,000 $17,200,000 237.3% 2.2%
Umpqua Bank $17,015,000 $17,085,000 0.4% 2.2%
AXIA FINANCIAL, LLC $205,000 $15,230,000 7,329.3% 1.9%
CALIBER HOME LOANS, INC. $10,115,000 $12,245,000 21.1% 1.6%
STEARNS LENDING, LLC $45,410,000 $11,870,000 -73.9% 1.5%
Flagstar Bank, FSB $24,810,000 $11,710,000 -52.8% 1.5%
PENNYMAC LOAN SERVICES, LLC $3,535,000 $11,700,000 231.0% 1.5%
S1L, Inc. $4,225,000 $10,895,000 157.9% 1.4%
BROKER SOLUTIONS, INC. $7,785,000 $10,455,000 34.3% 1.3%
COMMUNITY FIRST CREDIT UNION $11,840,000 $10,260,000 -13.3% 1.3%
LAKEVIEW LOAN SERVICING, LLC $4,865,000 $10,015,000 105.9% 1.3%
Mr. Cooper ( Nationstar Mortgage ) $8,080,000 $9,940,000 23.0% 1.3%
Wells Fargo Bank $10,205,000 $9,820,000 -3.8% 1.2%
SUN WEST MORTGAGE COMPANY, INC. $8,660,000 $9,795,000 13.1% 1.2%
JPMorgan Chase Bank $3,470,000 $8,175,000 135.6% 1.0%
NEWREZ LLC $5,200,000 $7,975,000 53.4% 1.0%
FINANCE OF AMERICA MORTGAGE LLC $5,385,000 $7,890,000 46.5% 1.0%
Paramount Residential Mortgage Group, Inc. $8,675,000 $7,590,000 -12.5% 1.0%
SUMMIT FUNDING, INC. $8,990,000 $7,040,000 -21.7% 0.9%
Commerce Home Mortgage, Inc. $4,545,000 $6,900,000 51.8% 0.9%
GUILD MORTGAGE COMPANY $4,790,000 $6,845,000 42.9% 0.9%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $9,525,000 $6,750,000 -29.1% 0.9%
BETTER MORTGAGE CORPORATION $1,345,000 $5,960,000 343.1% 0.8%
Mortgage Research Center, LLC $7,465,000 $5,840,000 -21.8% 0.7%
HOMEBRIDGE FINANCIAL SERVICES, INC. $6,315,000 $5,625,000 -10.9% 0.7%
GUARANTEED RATE AFFINITY, LLC $3,795,000 $5,235,000 37.9% 0.7%
AMERISAVE MORTGAGE CORPORATION $5,895,000 $5,075,000 -13.9% 0.6%
PLAZA HOME MORTGAGE, INC. $3,660,000 $4,980,000 36.1% 0.6%
Tri Counties Bank $4,425,000 $4,970,000 12.3% 0.6%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $930,000 $4,690,000 404.3% 0.6%
Sierra Pacific Mortgage Company, Inc. $3,315,000 $4,665,000 40.7% 0.6%
U.S. Bank $3,530,000 $4,280,000 21.2% 0.5%
Bank of the West $4,420,000 $3,595,000 -18.7% 0.5%
Mechanics Bank $235,000 $3,510,000 1,393.6% 0.4%
MOUNTAIN WEST FINANCIAL, INC. $2,485,000 $3,255,000 31.0% 0.4%
LOANPAL, LLC $2,160,000 $3,225,000 49.3% 0.4%
VILLAGE CAPITAL & INVESTMENT LLC $1,855,000 $3,165,000 70.6% 0.4%
Carrington Mortgage Services, LLC $2,575,000 $2,965,000 15.1% 0.4%
Fremont Bank $3,565,000 $2,865,000 -19.6% 0.4%
Nations Lending Corporation $1,025,000 $2,690,000 162.4% 0.3%
HOMESIDE FINANCIAL, LLC $215,000 $2,615,000 1,116.3% 0.3%
Quontic Bank $2,595,000 n/a 0.3%
PATELCO $1,035,000 $2,515,000 143.0% 0.3%
AMERICAN FINANCIAL NETWORK, INC. $2,970,000 $2,375,000 -20.0% 0.3%
PARKSIDE LENDING, LLC $1,370,000 $2,315,000 69.0% 0.3%
NETWORK CAPITAL FUNDING CORPORATION $2,290,000 $2,295,000 0.2% 0.3%
NMSI, INC. $1,700,000 $2,125,000 25.0% 0.3%
AMWEST FUNDING CORP. $1,820,000 $2,090,000 14.8% 0.3%
MORIA DEVELOPMENT, INC. $2,070,000 n/a 0.3%
PROVIDENT FUNDING ASSOCIATES, L.P. $2,225,000 $2,060,000 -7.4% 0.3%
CMG MORTGAGE, INC. $2,795,000 $1,900,000 -32.0% 0.2%
The Federal Savings Bank $845,000 $1,885,000 123.1% 0.2%
PRIMARY RESIDENTIAL MORTGAGE, INC. $1,550,000 $1,825,000 17.7% 0.2%
NATIONS RELIABLE LENDING, LLC $2,830,000 $1,805,000 -36.2% 0.2%
ZILLOW HOME LOANS, LLC $490,000 $1,740,000 255.1% 0.2%
LADERA LENDING, INC. $550,000 $1,695,000 208.2% 0.2%
RANLIFE, INC. $1,670,000 n/a 0.2%
Bank of America $1,155,000 $1,620,000 40.3% 0.2%
TRAVIS CREDIT UNION $635,000 $1,615,000 154.3% 0.2%
AMERICAN ADVISORS GROUP $660,000 $1,605,000 143.2% 0.2%
Lakeview Community Capital, LLC $745,000 $1,575,000 111.4% 0.2%
Ally Bank $560,000 $1,545,000 175.9% 0.2%
LENDINGHOME FUNDING CORPORATION $480,000 $1,455,000 203.1% 0.2%
MID AMERICA MORTGAGE, INC. $1,445,000 $1,365,000 -5.5% 0.2%
USAA Federal Savings Bank $1,940,000 $1,365,000 -29.6% 0.2%
NAVY FEDERAL CREDIT UNION $1,725,000 $1,355,000 -21.4% 0.2%
NBKC BANK $1,270,000 $1,330,000 4.7% 0.2%
Austin Capital Bank SSB $1,280,000 n/a 0.2%
AMERICAN FINANCING CORPORATION $605,000 $1,275,000 110.7% 0.2%
Watermark Capital, Inc. $1,120,000 $1,240,000 10.7% 0.2%
CLEARPATH LENDING $3,385,000 $1,225,000 -63.8% 0.2%
InterContinental Capital Group, Inc $795,000 $1,215,000 52.8% 0.2%
CHURCHILL MORTGAGE CORPORATION $155,000 $1,185,000 664.5% 0.2%
EVERETT FINANCIAL, INC. $4,165,000 $1,185,000 -71.5% 0.2%
WINNPOINTE CORPORATION $965,000 $1,185,000 22.8% 0.2%
Equity Prime Mortgage LLC $370,000 $1,180,000 218.9% 0.1%
RESIDENTIAL BANCORP. $1,175,000 n/a 0.1%
First Guaranty Mortgage Corporation $995,000 $1,130,000 13.6% 0.1%
First Savings Bank $1,080,000 $1,120,000 3.7% 0.1%
PNC Bank $695,000 $1,110,000 59.7% 0.1%
IMPAC MORTGAGE CORP. $1,050,000 $1,105,000 5.2% 0.1%
AMERICAN FINANCIAL RESOURCES, INC. $1,910,000 $1,100,000 -42.4% 0.1%
DATA MORTGAGE, INC. $1,095,000 n/a 0.1%
GENEVA FINANCIAL, LLC $335,000 $1,065,000 217.9% 0.1%
Exchange Bank $1,120,000 $990,000 -11.6% 0.1%
AmeriHome Mortgage Company, LLC $400,000 $980,000 145.0% 0.1%
INTELLILOAN, INC. $970,000 n/a 0.1%
Morgan Stanley Private Bank $965,000 n/a 0.1%
MUTUAL OF OMAHA MORTGAGE, INC. $3,120,000 $955,000 -69.4% 0.1%
FIRST TECHNOLOGY $285,000 $945,000 231.6% 0.1%
BAY EQUITY LLC $830,000 $930,000 12.0% 0.1%
CELEBRITY HOME LOANS, LLC $205,000 $930,000 353.7% 0.1%
SPRING EQ, LLC $300,000 $895,000 198.3% 0.1%
LAND HOME FINANCIAL SERVICES, INC. $1,130,000 $875,000 -22.6% 0.1%
Citizens Bank $155,000 $845,000 445.2% 0.1%
NATIONWIDE MORTGAGE BANKERS, INC. $295,000 $810,000 174.6% 0.1%
INFINITY EQUITY GROUP, INC. $375,000 $795,000 112.0% 0.1%
ON Q FINANCIAL, INC. $785,000 n/a 0.1%
OPEN MORTGAGE, LLC $420,000 $785,000 86.9% 0.1%
SOVEREIGN LENDING GROUP INCORPORATED $285,000 $780,000 173.7% 0.1%
NEW DAY FINANCIAL, LLC $815,000 $765,000 -6.1% 0.1%
LENDUS, LLC $1,505,000 $760,000 -49.5% 0.1%
Wyndham Capital Mortgage, Inc. $795,000 $725,000 -8.8% 0.1%
LONGBRIDGE FINANCIAL, LLC $715,000 n/a 0.1%
EMBRACE HOME LOANS, INC. $350,000 $705,000 101.4% 0.1%
Self-Help Federal Credit Union $135,000 $695,000 414.8% 0.1%
AUGUSTA FINANCIAL, INC. $245,000 $690,000 181.6% 0.1%
Bank of England $690,000 n/a 0.1%
ALLIANT CREDIT UNION $685,000 n/a 0.1%
21ST MORTGAGE CORPORATION $340,000 $680,000 100.0% 0.1%
SOUTHWEST STAGE FUNDING, LLC $175,000 $675,000 285.7% 0.1%
Hometown Equity Mortgage, LLC $590,000 $640,000 8.5% 0.1%
Provident Credit Union $940,000 $640,000 -31.9% 0.1%
PENTAGON FEDERAL CREDIT UNION $210,000 $630,000 200.0% 0.1%
Zions Bancorporation, N.A. $625,000 n/a 0.1%
DIGNIFIED HOME LOANS, LLC $335,000 $620,000 85.1% 0.1%
WESTCOAST MORTGAGE GROUP AND REALTY COMPANY $215,000 $615,000 186.0% 0.1%
BNC National Bank $610,000 n/a 0.1%
OCMBC, INC. $600,000 n/a 0.1%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $590,000 n/a 0.1%
Citadel Servicing Corporation $555,000 $590,000 6.3% 0.1%
Magnolia Bank $530,000 $590,000 11.3% 0.1%
INSPIRE HOME LOANS INC. $575,000 n/a 0.1%
LENOX FINANCIAL MORTGAGE CORPORATION $255,000 $575,000 125.5% 0.1%
MOVEMENT MORTGAGE, LLC $195,000 $560,000 187.2% 0.1%
Platinum Home Mortgage Corporation $470,000 $535,000 13.8% 0.1%
A&D Mortgage LLC $530,000 n/a 0.1%
Arvest Bank $405,000 $510,000 25.9% 0.1%
WESTERN EXPRESS LENDING $460,000 $510,000 10.9% 0.1%
Barrington Bank & Trust Company, N.A. $975,000 $505,000 -48.2% 0.1%
FBC MORTGAGE, LLC $235,000 $505,000 114.9% 0.1%
ALL WESTERN MORTGAGE, INC. $105,000 $500,000 376.2% 0.1%
DRAPER AND KRAMER MORTGAGE CORP. $480,000 n/a 0.1%
Golden Empire Mortgage, Inc. $480,000 n/a 0.1%
NATIONS DIRECT MORTGAGE, LLC $1,130,000 $480,000 -57.5% 0.1%
FUNDLOANS CAPITAL $475,000 n/a 0.1%
Greenbox Loans, Inc. $470,000 n/a 0.1%
CASTLE & COOKE MORTGAGE, LLC $465,000 n/a 0.1%
FIRST NATIONS HOME FINANCE CORPORATION $455,000 n/a 0.1%
ALAMEDA MORTGAGE CORPORATION $650,000 $450,000 -30.8% 0.1%
TOP FLITE FINANCIAL, INC. $225,000 $450,000 100.0% 0.1%
TRIAD FINANCIAL SERVICES, INC. $110,000 $450,000 309.1% 0.1%
Bell Bank $445,000 $445,000 0.0% 0.1%
Figure Lending LLC $50,000 $440,000 780.0% 0.1%
MUFG Union Bank $285,000 $440,000 54.4% 0.1%
Strong Home Mortgage, LLC $725,000 $440,000 -39.3% 0.1%
FINANCE OF AMERICA REVERSE LLC $1,180,000 $435,000 -63.1% 0.1%
ROYAL UNITED MORTGAGE LLC $610,000 $435,000 -28.7% 0.1%
North American Savings Bank, F.S.B. $955,000 $425,000 -55.5% 0.1%
Low VA Rates, LLC $935,000 $410,000 -56.1% 0.1%
First Home Bank $405,000 n/a 0.1%
REVERSE MORTGAGE FUNDING LLC $505,000 $400,000 -20.8% 0.1%
USE Credit Union $205,000 $400,000 95.1% 0.1%
THE GOLDEN 1 $450,000 $385,000 -14.4% 0.0%
EMM LOANS LLC $245,000 $375,000 53.1% 0.0%
Home Mortgage Alliance Corp $375,000 n/a 0.0%
GREAT WESTERN FINANCIAL SERVICES, INC. $365,000 n/a 0.0%
BAY $355,000 n/a 0.0%
Evolve Bank & Trust $355,000 n/a 0.0%
Baxter Credit Union $345,000 n/a 0.0%
PHH Mortgage Corporation $1,165,000 $335,000 -71.2% 0.0%
UNITED SECURITY FINANCIAL CORP $155,000 $330,000 112.9% 0.0%
ATLANTA POSTAL $325,000 n/a 0.0%
LO, INC. $325,000 n/a 0.0%
PACIFIC RESIDENTIAL MORTGAGE, LLC $325,000 n/a 0.0%
First Bank $205,000 $315,000 53.7% 0.0%
Franklin Loan Corporation $255,000 $315,000 23.5% 0.0%
KELLER MORTGAGE, LLC $315,000 n/a 0.0%
Charles Schwab Bank, SSB $265,000 $305,000 15.1% 0.0%
DIGITAL Federal Credit Union $305,000 n/a 0.0%
PANORAMA MORTGAGE GROUP, LLC $405,000 $305,000 -24.7% 0.0%
JMAC LENDING, INC. $635,000 $295,000 -53.5% 0.0%
The Loan Store, Inc. $105,000 $295,000 181.0% 0.0%
Discover Bank $35,000 $290,000 728.6% 0.0%
CALCON MUTUAL MORTGAGE LLC $285,000 n/a 0.0%
LOANLEADERS OF AMERICA, INC. $285,000 n/a 0.0%
OCEANSIDE MORTGAGE COMPANY $185,000 $285,000 54.1% 0.0%
Manufacturers and Traders Trust Company $280,000 n/a 0.0%
CHERRY CREEK MORTGAGE, LLC $470,000 $275,000 -41.5% 0.0%
FINANCE OF AMERICA COMMERCIAL LLC $275,000 n/a 0.0%
GSF Mortgage Corporation $265,000 n/a 0.0%
LENDINGONE, LLC $265,000 n/a 0.0%
Constant Investments, Inc. $395,000 $255,000 -35.4% 0.0%
COUNTRY CLUB MORTGAGE, INC. $255,000 n/a 0.0%
San Mateo Credit Union $270,000 $255,000 -5.6% 0.0%
ANGEL OAK MORTGAGE SOLUTIONS LLC $245,000 n/a 0.0%
GOOGAIN, INC. $245,000 n/a 0.0%
LENDSURE MORTGAGE CORP. $245,000 n/a 0.0%
PREMIER MORTGAGE RESOURCES, L.L.C. $395,000 $245,000 -38.0% 0.0%
AmRes Corporation $235,000 n/a 0.0%
CAMPOS FINANCIAL CORP. $235,000 n/a 0.0%
Firefighters First Federal Credit Union $225,000 n/a 0.0%
First Republic Bank $1,650,000 $215,000 -87.0% 0.0%
AMERICAN INTERNET MORTGAGE, INC. $780,000 $205,000 -73.7% 0.0%
CALCULATED RISK ANALYTICS LLC $630,000 $205,000 -67.5% 0.0%
General Mortgage Capital Corporation $690,000 $205,000 -70.3% 0.0%
Cathay Bank $390,000 $195,000 -50.0% 0.0%
THE POLICE Credit Union $85,000 $195,000 129.4% 0.0%
FOOTHILL FEDERAL CREDIT UNION $185,000 n/a 0.0%
MEGA CAPITAL FUNDING, INC. $1,160,000 $185,000 -84.1% 0.0%
Northpointe Bank $185,000 n/a 0.0%
LEADERONE FINANCIAL CORPORATION $175,000 n/a 0.0%
MEGASTAR FINANCIAL CORP. $175,000 n/a 0.0%
Sunflower Bank $175,000 n/a 0.0%
CREDIT HUMAN FEDERAL CREDIT UNION $170,000 n/a 0.0%
Ameris Bank $165,000 n/a 0.0%
JTF ROSE, INC. $165,000 n/a 0.0%
APCI Federal Credit Union $155,000 n/a 0.0%
CHEVRON $240,000 $155,000 -35.4% 0.0%
Colonial Savings, F.A. $155,000 n/a 0.0%
HighTechLending Inc $580,000 $155,000 -73.3% 0.0%
PREMIER LENDING, INC. $1,280,000 $155,000 -87.9% 0.0%
SAN FRANCISCO FIRE CREDIT UNION $255,000 $145,000 -43.1% 0.0%
SCENIC OAKS FUNDING, INC. $125,000 $145,000 16.0% 0.0%
Unitus Community Credit Union $145,000 n/a 0.0%
ACADEMY MORTGAGE CORPORATION $135,000 n/a 0.0%
PACIFIC SERVICE $1,025,000 $125,000 -87.8% 0.0%
ROUNDPOINT MORTGAGE SERVICING CORPORATION $780,000 $125,000 -84.0% 0.0%
SOFI LENDING CORP. $125,000 n/a 0.0%
TIAA, FSB $325,000 $125,000 -61.5% 0.0%
HomeStreet Bank $165,000 $105,000 -36.4% 0.0%
SAFEAMERICA CREDIT UNION $175,000 $105,000 -40.0% 0.0%
LOS ANGELES POLICE Federal Credit Union $95,000 n/a 0.0%
1ST NORTHERN CALIFORNIA $450,000 $85,000 -81.1% 0.0%
Alaska USA Federal Credit Union $85,000 n/a 0.0%
Metro City Bank $75,000 n/a 0.0%
Truist Bank $990,000 $75,000 -92.4% 0.0%
LOGIX FEDERAL CREDIT UNION $25,000 $65,000 160.0% 0.0%
QUORUM FEDERAL CREDIT UNION $65,000 n/a 0.0%
MERIWEST $55,000 n/a 0.0%

Clearlake's top lender by overall market share is QUICKEN LOANS, LLC, with 10.1% market share. In second place, with 5.7%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $45,145,000 in loans. In third place, with 5.1%, is AMERICAN PACIFIC MORTGAGE CORPORATION, having originated $40,505,000 in loans. In fourth place, with 4.4%, is LOANDEPOT.COM, LLC, having originated $34,735,000 in loans. In fifth place, with 4.0%, is Citibank, having originated $31,800,000 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 (19.3%) $449,943 (26.2%) 0.00 438
2018-06-01 $339,900 (16.4%) $452,917 (20.1%) 0.00 461
2018-07-01 $331,350 (14.7%) $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 $319,450 (-0.9%) $391,669 (-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%) $626,650 (39.3%) 0.00 486
2019-06-01 $339,200 (-0.2%) $425,664 (-6.0%) 0.00 504
2019-07-01 $327,000 (-1.3%) $425,714 (-2.5%) 0.00 509
2019-08-01 $317,909 (-3.5%) $415,516 (-2.1%) 0.00 507
2019-09-01 $307,273 (-5.5%) $404,109 (-2.4%) 0.00 506
2019-10-01 $299,450 (-7.7%) $394,572 (-4.0%) 0.00 497
2019-11-01 $298,450 (-6.1%) $385,065 (-5.3%) 0.00 475
2019-12-01 $282,475 (-11.7%) $366,721 (-11.3%) 0.00 436
2020-01-01 $279,000 (-12.7%) $344,061 (-12.2%) 0.00 385
2020-02-01 $279,950 (-11.6%) $345,981 (-10.8%) 0.00 375
2020-03-01 $297,000 (-7.6%) $373,078 (-5.6%) 0.00 374
2020-04-01 $313,363 (-4.2%) $384,552 (-3.8%) 0.00 350
2020-05-01 $319,000 (-3.3%) $388,831 (-38.0%) 0.00 351
2020-06-01 $325,000 (-4.2%) $432,314 (1.6%) 0.00 313
2020-07-01 $325,000 (-0.6%) $439,664 (3.3%) 0.00 300
2020-08-01 $325,000 (2.2%) $458,948 (10.5%) 0.00 233
2020-09-01 $325,000 (5.8%) $477,626 (18.2%) 0.00 245
2020-10-01 $329,250 (10.0%) $492,466 (24.8%) 0.00 236
2020-11-01 $345,000 (15.6%) $514,945 (33.7%) 0.00 231
2020-12-01 $348,249 (23.3%) $567,436 (54.7%) 0.00 204
2021-01-01 $349,000 (25.1%) $659,708 (91.7%) 0.00 188
2021-02-01 $355,950 (27.2%) $667,260 (92.9%) 0.00 172
2021-03-01 $394,250 (32.7%) $725,223 (94.4%) 0.00 152
2021-04-01 $389,500 (24.3%) $715,766 (86.1%) 0.00 155
2021-05-01 $416,900 (30.7%) $731,655 (88.2%) 0.00 162
2021-06-01 $399,000 (22.8%) $704,499 (63.0%) 0.00 191
2021-07-01 $420,000 (29.2%) $707,202 (60.9%) 0.00 212
2021-08-01 $394,375 (21.4%) $668,041 (45.6%) 0.00 250
2021-09-01 $391,750 (20.5%) $660,317 (38.3%) 0.00 280
2021-10-01 $389,000 (18.2%) $657,690 (33.6%) 0.00 291
2021-11-01 $381,750 (10.7%) $654,502 (27.1%) 0.00 279
2021-12-01 $386,750 (11.1%) $660,386 (16.4%) 0.00 253
2022-01-01 $382,500 (9.6%) $611,670 (-7.3%) 0.00 215
2022-02-01 $386,750 (8.7%) $627,501 (-6.0%) 0.00 191
2022-03-01 $407,000 (3.2%) $629,299 (-13.2%) 0.00 232
2022-04-01 $435,000 (11.7%) $673,564 (-5.9%) 0.00 251
2022-05-01 $451,250 (8.2%) $679,223 (-7.2%) 0.00 291
2022-06-01 $452,250 (13.4%) $661,665 (-6.1%) 0.00 333
2022-07-01 $449,000 (6.9%) $623,917 (-11.8%) 0.00 368
2022-08-01 $430,000 (9.0%) $579,948 (-13.2%) 0.00 388
2022-09-01 $420,150 (7.3%) $569,551 (-13.8%) 0.00 406
2022-10-01 $418,000 (7.5%) $569,542 (-13.4%) 0.00 389
Clearlake's median listing price for 2022-10-01 was $418,000, a difference of $29,000 (7.5%) versus the prior year and $-2,150 versus the prior month.

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

Clearlake's average listing price for 2022-10-01 was $569,542, a difference of $-88,148 (-13.4%) versus the prior year and $-9 versus the prior month.

For the 2022-10-01 period, Clearlake had 389 MLS listings, a difference of -17 listings (-4%) versus the prior month and 98 listings (34%) 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 1,594 sqft
2018-02-01 0 days 1,535 sqft
2018-03-01 0 days 1,540 sqft
2018-04-01 0 days 1,620 sqft
2018-05-01 0 days 1,640 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 1,557 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 1,551 sqft
2019-11-01 0 days 1,508 sqft
2019-12-01 0 days 1,467 sqft
2020-01-01 0 days 1,436 sqft
2020-02-01 0 days 1,436 sqft
2020-03-01 0 days 1,467 sqft
2020-04-01 0 days 1,490 sqft
2020-05-01 0 days 1,512 sqft
2020-06-01 0 days 1,542 sqft
2020-07-01 0 days 1,554 sqft
2020-08-01 0 days 1,552 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 1,587 sqft
2021-03-01 0 days 1,632 sqft
2021-04-01 0 days 1,538 sqft
2021-05-01 0 days 1,624 sqft
2021-06-01 0 days 1,519 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 1,530 sqft
2022-02-01 0 days 1,554 sqft
2022-03-01 0 days 1,588 sqft
2022-04-01 0 days 1,600 sqft
2022-05-01 0 days 1,649 sqft
2022-06-01 0 days 1,666 sqft
2022-07-01 0 days 1,650 sqft
2022-08-01 0 days 1,603 sqft
2022-09-01 0 days 1,564 sqft
2022-10-01 0 days 1,553 sqft
Clearlake's median listing age (time on market) for 2022-10-01 was 0 days.

Clearlake's median square footage for active listings during the 2022-10-01 period was 1,553 sqft. One year prior, the average listing was 1,547 sqft.

Clearlake, CA Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Refi 1,126 $267,970,000 $237,984
Home Purchase 1,069 $339,075,000 $317,189
Cash Out Refi 672 $164,200,000 $244,345
Home Improvement 83 $7,635,000 $91,988
Other 71 $9,895,000 $139,366

Clearlake's most frequently cited loan purpose was Refi, with 1,126 originations. The 2nd most popular reason was Home Purchase, with 1,069 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
2.5-3% 1,184 $338,370,000 $285,785
3-4% 1,088 $288,930,000 $265,561
<2.5% 507 $120,105,000 $236,893
4-5% 146 $27,370,000 $187,466
5-6% 47 $7,685,000 $163,511
6-7% 20 $2,730,000 $136,500
Over 8% 10 $1,410,000 $141,000
7-8% 4 $560,000 $140,000

During 2021, Clearlake's most frequently originated rate bucket was 2.5-3%, with 1,184 originations.

Loan Sizing (Clearlake, CA MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 1,659 $462,275,000 $278,647
$100k-200k 827 $127,825,000 $154,565
$400k-600k 271 $127,155,000 $469,207
$100,000 or less 230 $13,120,000 $57,043
$600k-1000k 28 $19,670,000 $702,500
$Over $1MM 6 $38,730,000 $6,455,000

Clearlake's loan sizing saw the bucket of loans from $200k-400k with 1,659 originations, totaling $462,275,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 1,035 $301,595,000 $291,396
60-80% 957 $292,925,000 $306,087
40-60% 516 $112,150,000 $217,345
20-40% 230 $33,730,000 $146,652
Under 20% 127 $5,925,000 $46,654
Over 100% 24 $8,900,000 $370,833

Clearlake's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,035 originations, totaling $301,595,000 in origination value.