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
6.45%
for the week of 2023-05-25, compared to the national average of
6.57% for the same period.
The average rate for the prior week (2023-05-18) was
6.27% and
one month ago for the week of 2023-04-20, the
average rate was 5.97%.
Clearlake's average rate one year ago was 4.83%.
For refis of the same type during the week of 2023-05-25, the average rate
was 5.59%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2023-05-25 | 6.57% |
| Clearlake 30 Year Fixed Rate | 2023-05-25 | 6.45% |
| Clearlake 30 Year Fixed Rate Refi | 2023-05-25 | 5.59% |
| Clearlake 15 Year Fixed Rate | 2023-05-25 | 5.77% |
| Clearlake 15 Year Fixed Rate Refi | 2023-05-25 | 6.17% |
| Clearlake 30 Year FHA | 2023-05-25 | 6.13% |
| Clearlake 30 Year FHA Refi | 2023-05-25 | 6.41% |
| Clearlake 30 Year USDA | 2023-05-25 | 6.53% |
| Clearlake 30 Year USDA Refi | 2023-05-25 | 6.63% |
| Clearlake 30 Year VA | 2023-05-25 | 6.31% |
| Clearlake 30 Year VA Refi | 2023-05-25 | 6.41% |
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.).
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 | $319,450 (-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 | $319,000 (-1.9%) | $395,402 (-1.0%) | 0.00 | 406 |
| 2019-04-01 | $327,000 (-2.2%) | $399,684 (-6.2%) | 0.00 | 422 |
| 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 | $320,000 (-2.8%) | $407,927 (-3.9%) | 0.00 | 511 |
| 2019-09-01 | $309,950 (-4.6%) | $402,125 (-2.9%) | 0.00 | 500 |
| 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 (-12.7%) | $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 (-6.9%) | $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 (1.6%) | $459,405 (12.6%) | 0.00 | 232 |
| 2020-09-01 | $323,750 (4.5%) | $478,195 (18.9%) | 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 | $357,225 (27.6%) | $669,068 (93.4%) | 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 | $420,000 (29.2%) | $707,436 (60.8%) | 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 (8.6%) | $628,965 (-6.0%) | 0.00 | 190 |
| 2022-03-01 | $407,750 (3.4%) | $630,538 (-13.3%) | 0.00 | 231 |
| 2022-04-01 | $437,444 (10.8%) | $674,947 (-6.0%) | 0.00 | 250 |
| 2022-05-01 | $452,875 (6.6%) | $680,355 (-7.3%) | 0.00 | 290 |
| 2022-06-01 | $452,250 (13.3%) | $661,942 (-6.3%) | 0.00 | 331 |
| 2022-07-01 | $449,000 (6.9%) | $624,693 (-11.7%) | 0.00 | 366 |
| 2022-08-01 | $430,750 (9.2%) | $580,312 (-13.2%) | 0.00 | 386 |
| 2022-09-01 | $420,250 (7.3%) | $569,854 (-13.7%) | 0.00 | 404 |
| 2022-10-01 | $418,000 (7.5%) | $569,615 (-13.4%) | 0.00 | 387 |
| 2022-11-01 | $417,300 (9.0%) | $571,428 (-12.7%) | 0.00 | 352 |
| 2022-12-01 | $400,000 (3.4%) | $573,387 (-13.3%) | 0.00 | 310 |
| 2023-01-01 | $399,000 (4.0%) | $509,750 (-16.8%) | 0.00 | 265 |
| 2023-02-01 | $399,000 (2.8%) | $505,150 (-19.7%) | 0.00 | 259 |
| 2023-03-01 | $392,000 (-3.9%) | $517,076 (-18.0%) | 0.00 | 258 |
| 2023-04-01 | $385,000 (-12.0%) | $501,613 (-25.7%) | 0.00 | 275 |
Clearlake's median listing price for 2023-04-01 was $385,000, a difference of
$-52,444
(-12.0%) versus the prior year and
$-7,000 versus the prior month.
Clearlake's median listing price comes in at 0% of the national average.
Clearlake's average listing price for 2023-04-01 was $501,613, a difference of $-173,334 (-25.7%) versus the prior year and $-15,463 versus the prior month.
For the 2023-04-01 period, Clearlake had 275 MLS listings, a difference of 17 listings (7%) versus the prior month and 25 listings (10%) versus the prior year.
Clearlake's median listing price comes in at 0% of the national average.
Clearlake's average listing price for 2023-04-01 was $501,613, a difference of $-173,334 (-25.7%) versus the prior year and $-15,463 versus the prior month.
For the 2023-04-01 period, Clearlake had 275 MLS listings, a difference of 17 listings (7%) versus the prior month and 25 listings (10%) 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 | 1,621 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 | 1,527 sqft |
| 2019-04-01 | 0 days | 1,560 sqft |
| 2019-05-01 | 0 days | 1,580 sqft |
| 2019-06-01 | 0 days | 1,597 sqft |
| 2019-07-01 | 0 days | 1,590 sqft |
| 2019-08-01 | 0 days | 1,577 sqft |
| 2019-09-01 | 0 days | 1,560 sqft |
| 2019-10-01 | 0 days | 1,551 sqft |
| 2019-11-01 | 0 days | 1,509 sqft |
| 2019-12-01 | 0 days | 1,469 sqft |
| 2020-01-01 | 0 days | 1,436 sqft |
| 2020-02-01 | 0 days | 1,440 sqft |
| 2020-03-01 | 0 days | 1,468 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 | 1,593 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 | 1,656 sqft |
| 2022-06-01 | 0 days | 1,666 sqft |
| 2022-07-01 | 0 days | 1,652 sqft |
| 2022-08-01 | 0 days | 1,606 sqft |
| 2022-09-01 | 0 days | 1,566 sqft |
| 2022-10-01 | 0 days | 1,553 sqft |
| 2022-11-01 | 0 days | 1,555 sqft |
| 2022-12-01 | 0 days | 1,561 sqft |
| 2023-01-01 | 0 days | 1,542 sqft |
| 2023-02-01 | 0 days | 1,553 sqft |
| 2023-03-01 | 0 days | 1,535 sqft |
| 2023-04-01 | 0 days | 1,546 sqft |
Clearlake's median listing age (time on market) for 2023-04-01 was 0 days.
Clearlake's median square footage for active listings during the 2023-04-01 period was 1,546 sqft. One year prior, the average listing was 1,600 sqft.
Clearlake's median square footage for active listings during the 2023-04-01 period was 1,546 sqft. One year prior, the average listing was 1,600 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.