Clearlake Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Clearlake averaged
6.17%
for the week of 2024-10-03, compared to the national average of
6.12% for the same period.
The average rate for the prior week (2024-09-26) was
6.03% and
one month ago for the week of 2024-08-29, the
average rate was 6.3%.
Clearlake's average rate one year ago was 7.46%.
For refis of the same type during the week of 2024-10-03, the average rate
was 6.62%.
Loan Type | Date | Rate |
---|---|---|
US 30 Year Fixed Rate | 2024-10-03 | 6.12% |
Clearlake 30 Year Fixed Rate | 2024-10-03 | 6.17% |
Clearlake 30 Year Fixed Rate Refi | 2024-10-03 | 6.62% |
Clearlake 15 Year Fixed Rate | 2024-10-03 | 5.15% |
Clearlake 15 Year Fixed Rate Refi | 2024-10-03 | 5.15% |
Clearlake 30 Year FHA | 2024-10-03 | 5.74% |
Clearlake 30 Year FHA Refi | 2024-10-03 | 5.79% |
Clearlake 30 Year USDA | 2024-10-03 | 5.97% |
Clearlake 30 Year USDA Refi | 2024-10-03 | 6.17% |
Clearlake 30 Year VA | 2024-10-03 | 5.8% |
Clearlake 30 Year VA Refi | 2024-10-03 | 5.4% |
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 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. LouisDate | Median Listing Price (YoY Change) | Average Listing Price (YoY) | MSA/US Median Price Ratio | Active Listings |
---|---|---|---|---|
2018-01-01 | $322,250 (21.0%) | $396,242 (22.6%) | 0.00 | 320 |
2018-02-01 | $309,750 (17.4%) | $389,482 (22.4%) | 0.00 | 337 |
2018-03-01 | $325,000 (21.2%) | $399,363 (23.5%) | 0.00 | 363 |
2018-04-01 | $334,500 (23.9%) | $425,976 (21.9%) | 0.00 | 397 |
2018-05-01 | $333,500 (19.4%) | $449,943 (26.2%) | 0.00 | 438 |
2018-06-01 | $339,900 (16.9%) | $452,917 (20.1%) | 0.00 | 461 |
2018-07-01 | $331,350 (15.5%) | $436,399 (16.0%) | 0.00 | 463 |
2018-08-01 | $329,350 (13.2%) | $424,312 (12.4%) | 0.00 | 478 |
2018-09-01 | $325,000 (10.5%) | $414,076 (10.7%) | 0.00 | 488 |
2018-10-01 | $324,575 (9.3%) | $411,076 (10.3%) | 0.00 | 484 |
2018-11-01 | $317,750 (1.8%) | $406,402 (6.6%) | 0.00 | 472 |
2018-12-01 | $319,900 (-1.6%) | $413,462 (2.7%) | 0.00 | 447 |
2019-01-01 | $319,225 (-0.9%) | $391,462 (-1.2%) | 0.00 | 414 |
2019-02-01 | $316,500 (2.2%) | $387,752 (-0.4%) | 0.00 | 414 |
2019-03-01 | $321,571 (-1.1%) | $395,390 (-1.0%) | 0.00 | 405 |
2019-04-01 | $327,000 (-2.2%) | $399,684 (-6.2%) | 0.00 | 419 |
2019-05-01 | $329,950 (-1.1%) | $626,647 (39.3%) | 0.00 | 486 |
2019-06-01 | $339,200 (-0.2%) | $425,651 (-6.0%) | 0.00 | 504 |
2019-07-01 | $327,000 (-1.3%) | $425,684 (-2.5%) | 0.00 | 509 |
2019-08-01 | $317,909 (-3.5%) | $415,528 (-2.1%) | 0.00 | 506 |
2019-09-01 | $307,273 (-5.5%) | $404,190 (-2.4%) | 0.00 | 506 |
2019-10-01 | $299,450 (-7.7%) | $394,707 (-4.0%) | 0.00 | 496 |
2019-11-01 | $297,900 (-6.3%) | $385,186 (-5.2%) | 0.00 | 474 |
2019-12-01 | $282,450 (-11.7%) | $366,812 (-11.3%) | 0.00 | 435 |
2020-01-01 | $279,000 (-12.6%) | $344,109 (-12.1%) | 0.00 | 384 |
2020-02-01 | $279,900 (-11.6%) | $346,036 (-10.8%) | 0.00 | 374 |
2020-03-01 | $297,000 (-7.6%) | $373,202 (-5.6%) | 0.00 | 373 |
2020-04-01 | $310,225 (-5.1%) | $384,712 (-3.8%) | 0.00 | 349 |
2020-05-01 | $319,000 (-3.3%) | $389,006 (-37.9%) | 0.00 | 350 |
2020-06-01 | $325,000 (-4.2%) | $432,643 (1.6%) | 0.00 | 312 |
2020-07-01 | $325,000 (-0.6%) | $440,019 (3.4%) | 0.00 | 299 |
2020-08-01 | $325,000 (2.2%) | $459,405 (10.6%) | 0.00 | 232 |
2020-09-01 | $323,750 (5.4%) | $478,195 (18.3%) | 0.00 | 244 |
2020-10-01 | $329,500 (10.0%) | $493,130 (24.9%) | 0.00 | 235 |
2020-11-01 | $345,000 (15.8%) | $515,714 (33.9%) | 0.00 | 230 |
2020-12-01 | $349,499 (23.7%) | $568,477 (55.0%) | 0.00 | 203 |
2021-01-01 | $349,000 (25.1%) | $661,374 (92.2%) | 0.00 | 187 |
2021-02-01 | $356,475 (27.4%) | $668,026 (93.1%) | 0.00 | 171 |
2021-03-01 | $394,475 (32.8%) | $727,596 (95.0%) | 0.00 | 151 |
2021-04-01 | $395,000 (27.3%) | $718,060 (86.7%) | 0.00 | 154 |
2021-05-01 | $424,800 (33.2%) | $733,865 (88.7%) | 0.00 | 161 |
2021-06-01 | $399,250 (22.9%) | $706,351 (63.3%) | 0.00 | 190 |
2021-07-01 | $419,950 (29.2%) | $705,509 (60.3%) | 0.00 | 211 |
2021-08-01 | $394,375 (21.4%) | $668,248 (45.5%) | 0.00 | 250 |
2021-09-01 | $391,750 (21.0%) | $660,503 (38.1%) | 0.00 | 280 |
2021-10-01 | $389,000 (18.1%) | $657,868 (33.4%) | 0.00 | 291 |
2021-11-01 | $382,694 (10.9%) | $654,688 (27.0%) | 0.00 | 279 |
2021-12-01 | $387,000 (10.7%) | $661,134 (16.3%) | 0.00 | 253 |
2022-01-01 | $383,700 (9.9%) | $612,985 (-7.3%) | 0.00 | 214 |
2022-02-01 | $387,999 (8.8%) | $628,965 (-5.9%) | 0.00 | 190 |
2022-03-01 | $407,750 (3.4%) | $630,538 (-13.3%) | 0.00 | 231 |
2022-04-01 | $437,444 (10.8%) | $659,792 (-8.1%) | 0.00 | 250 |
2022-05-01 | $451,250 (6.2%) | $669,559 (-8.8%) | 0.00 | 290 |
2022-06-01 | $449,500 (12.6%) | $660,817 (-6.5%) | 0.00 | 330 |
2022-07-01 | $449,000 (6.9%) | $624,327 (-11.5%) | 0.00 | 365 |
2022-08-01 | $428,500 (8.7%) | $579,402 (-13.3%) | 0.00 | 385 |
2022-09-01 | $419,850 (7.2%) | $569,613 (-13.8%) | 0.00 | 403 |
2022-10-01 | $416,600 (7.1%) | $569,024 (-13.5%) | 0.00 | 385 |
2022-11-01 | $415,400 (8.6%) | $570,783 (-12.8%) | 0.00 | 350 |
2022-12-01 | $399,999 (3.4%) | $573,301 (-13.3%) | 0.00 | 309 |
2023-01-01 | $399,000 (4.0%) | $507,699 (-17.2%) | 0.00 | 263 |
2023-02-01 | $397,000 (2.3%) | $502,223 (-20.2%) | 0.00 | 255 |
2023-03-01 | $388,750 (-4.7%) | $515,111 (-18.3%) | 0.00 | 255 |
2023-04-01 | $380,000 (-13.1%) | $497,182 (-24.7%) | 0.00 | 272 |
2023-05-01 | $399,475 (-11.5%) | $512,557 (-23.5%) | 0.00 | 321 |
2023-06-01 | $404,325 (-10.1%) | $525,509 (-20.5%) | 0.00 | 352 |
2023-07-01 | $403,000 (-10.2%) | $530,225 (-15.1%) | 0.00 | 359 |
2023-08-01 | $411,750 (-3.9%) | $556,532 (-4.0%) | 0.00 | 378 |
2023-09-01 | $419,000 (-0.2%) | $612,843 (7.6%) | 0.00 | 379 |
2023-10-01 | $409,975 (-1.6%) | $594,803 (4.5%) | 0.00 | 405 |
2023-11-01 | $399,000 (-4.0%) | $584,678 (2.4%) | 0.00 | 406 |
2023-12-01 | $389,000 (-2.8%) | $549,146 (-4.2%) | 0.00 | 374 |
2024-01-01 | $399,000 (0.0%) | $553,231 (9.0%) | 0.00 | 334 |
2024-02-01 | $420,750 (6.0%) | $564,175 (12.3%) | 0.00 | 327 |
2024-03-01 | $418,000 (7.5%) | $565,165 (9.7%) | 0.00 | 312 |
2024-04-01 | $425,000 (11.8%) | $585,830 (17.8%) | 0.00 | 331 |
2024-05-01 | $434,500 (8.8%) | $618,700 (20.7%) | 0.00 | 355 |
2024-06-01 | $444,000 (9.8%) | $612,500 (16.6%) | 0.00 | 391 |
2024-07-01 | $421,500 (4.6%) | $574,705 (8.4%) | 0.00 | 425 |
2024-08-01 | $399,900 (-2.9%) | $558,889 (0.4%) | 0.00 | 436 |
2024-09-01 | $392,500 (-6.3%) | $544,549 (-11.1%) | 0.00 | 476 |
Clearlake's median listing price comes in at 0% of the national average.
Clearlake's average listing price for 2024-09-01 was $544,549, a difference of $-68,294 (-11.1%) versus the prior year and $-14,340 versus the prior month.
For the 2024-09-01 period, Clearlake had 476 MLS listings, a difference of 40 listings (9%) versus the prior month and 97 listings (26%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Clearlake (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Time on Market | Median Square Footage |
---|---|---|
2018-01-01 | 0 days | 1,599 sqft |
2018-02-01 | 0 days | 1,540 sqft |
2018-03-01 | 0 days | 1,552 sqft |
2018-04-01 | 0 days | 1,623 sqft |
2018-05-01 | 0 days | 1,642 sqft |
2018-06-01 | 0 days | 1,638 sqft |
2018-07-01 | 0 days | 1,630 sqft |
2018-08-01 | 0 days | 1,620 sqft |
2018-09-01 | 0 days | 1,635 sqft |
2018-10-01 | 0 days | 1,673 sqft |
2018-11-01 | 0 days | 1,600 sqft |
2018-12-01 | 0 days | 1,595 sqft |
2019-01-01 | 0 days | 1,554 sqft |
2019-02-01 | 0 days | 1,542 sqft |
2019-03-01 | 0 days | 1,539 sqft |
2019-04-01 | 0 days | 1,560 sqft |
2019-05-01 | 0 days | 1,582 sqft |
2019-06-01 | 0 days | 1,597 sqft |
2019-07-01 | 0 days | 1,590 sqft |
2019-08-01 | 0 days | 1,575 sqft |
2019-09-01 | 0 days | 1,560 sqft |
2019-10-01 | 0 days | 1,552 sqft |
2019-11-01 | 0 days | 1,510 sqft |
2019-12-01 | 0 days | 1,471 sqft |
2020-01-01 | 0 days | 1,436 sqft |
2020-02-01 | 0 days | 1,440 sqft |
2020-03-01 | 0 days | 1,469 sqft |
2020-04-01 | 0 days | 1,494 sqft |
2020-05-01 | 0 days | 1,512 sqft |
2020-06-01 | 0 days | 1,546 sqft |
2020-07-01 | 0 days | 1,557 sqft |
2020-08-01 | 0 days | 1,557 sqft |
2020-09-01 | 0 days | 1,500 sqft |
2020-10-01 | 0 days | 1,529 sqft |
2020-11-01 | 0 days | 1,533 sqft |
2020-12-01 | 0 days | 1,580 sqft |
2021-01-01 | 0 days | 1,516 sqft |
2021-02-01 | 0 days | 1,591 sqft |
2021-03-01 | 0 days | 1,633 sqft |
2021-04-01 | 0 days | 1,547 sqft |
2021-05-01 | 0 days | 1,628 sqft |
2021-06-01 | 0 days | 1,520 sqft |
2021-07-01 | 0 days | 1,500 sqft |
2021-08-01 | 0 days | 1,541 sqft |
2021-09-01 | 0 days | 1,550 sqft |
2021-10-01 | 0 days | 1,547 sqft |
2021-11-01 | 0 days | 1,524 sqft |
2021-12-01 | 0 days | 1,548 sqft |
2022-01-01 | 0 days | 1,531 sqft |
2022-02-01 | 0 days | 1,557 sqft |
2022-03-01 | 0 days | 1,596 sqft |
2022-04-01 | 0 days | 1,600 sqft |
2022-05-01 | 0 days | 1,650 sqft |
2022-06-01 | 0 days | 1,665 sqft |
2022-07-01 | 0 days | 1,650 sqft |
2022-08-01 | 0 days | 1,600 sqft |
2022-09-01 | 0 days | 1,565 sqft |
2022-10-01 | 0 days | 1,553 sqft |
2022-11-01 | 0 days | 1,557 sqft |
2022-12-01 | 0 days | 1,561 sqft |
2023-01-01 | 0 days | 1,544 sqft |
2023-02-01 | 0 days | 1,552 sqft |
2023-03-01 | 0 days | 1,533 sqft |
2023-04-01 | 0 days | 1,537 sqft |
2023-05-01 | 0 days | 1,585 sqft |
2023-06-01 | 0 days | 1,587 sqft |
2023-07-01 | 0 days | 1,572 sqft |
2023-08-01 | 0 days | 1,576 sqft |
2023-09-01 | 0 days | 1,596 sqft |
2023-10-01 | 0 days | 1,596 sqft |
2023-11-01 | 0 days | 1,548 sqft |
2023-12-01 | 0 days | 1,508 sqft |
2024-01-01 | 0 days | 1,541 sqft |
2024-02-01 | 0 days | 1,561 sqft |
2024-03-01 | 0 days | 1,568 sqft |
2024-04-01 | 0 days | 1,563 sqft |
2024-05-01 | 0 days | 1,608 sqft |
2024-06-01 | 0 days | 1,692 sqft |
2024-07-01 | 0 days | 1,662 sqft |
2024-08-01 | 0 days | 1,600 sqft |
2024-09-01 | 0 days | 1,589 sqft |
Clearlake's median square footage for active listings during the 2024-09-01 period was 1,589 sqft. One year prior, the average listing was 1,596 sqft.
Clearlake, CA Market Loan Reason
Loan Purpose | Originations | Total Value | Average Loan |
---|---|---|---|
Home Purchase | 633 | $176,675,000 | $279,107 |
Cash Out Refi | 131 | $23,185,000 | $176,985 |
Home Improvement | 72 | $5,800,000 | $80,556 |
Other | 61 | $5,885,000 | $96,475 |
Refi | 52 | $12,060,000 | $231,923 |
Clearlake's most frequently cited loan purpose was Home Purchase, with 633 originations. The 2nd most popular reason was Cash Out Refi, with 131 originations.
Interest Rate Frequencies
Loan Rate | Originations | Total Value | Average Loan |
---|---|---|---|
6-7% | 389 | $110,725,000 | $284,640 |
7-8% | 262 | $58,220,000 | $222,214 |
Over 8% | 142 | $19,860,000 | $139,859 |
5-6% | 117 | $32,455,000 | $277,393 |
<2.5% | 32 | $730,000 | $22,813 |
4-5% | 5 | $1,245,000 | $249,000 |
3-4% | 1 | $365,000 | $365,000 |
During 2023, Clearlake's most frequently originated rate bucket was 6-7%, with 389 originations.
Loan Sizing (Clearlake, CA MSA)
Loan Size | Originations | Total Value | Average Loan |
---|---|---|---|
$200k-400k | 434 | $128,260,000 | $295,530 |
$100k-200k | 211 | $31,995,000 | $151,635 |
$100,000 or less | 201 | $9,875,000 | $49,129 |
$400k-600k | 91 | $42,505,000 | $467,088 |
$600k-1000k | 10 | $6,820,000 | $682,000 |
$Over $1MM | 2 | $4,150,000 | $2,075,000 |
Clearlake's loan sizing saw the bucket of loans from $200k-400k with 434 originations, totaling $128,260,000 in origination value.
LTV Distribution
Loan to Value | Originations | Total Value | Average Loan |
---|---|---|---|
80-100% | 419 | $127,725,000 | $304,833 |
60-80% | 175 | $49,885,000 | $285,057 |
Under 20% | 152 | $6,890,000 | $45,329 |
20-40% | 98 | $13,990,000 | $142,755 |
40-60% | 91 | $20,215,000 | $222,143 |
Over 100% | 10 | $3,610,000 | $361,000 |
Clearlake's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 419 originations, totaling $127,725,000 in origination value.