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 6.7% for the week of 2025-04-03, compared to the national average of 6.64% for the same period.

The average rate for the prior week (2025-03-27) was 6.71% and one month ago for the week of 2025-02-27, the average rate was 7.22%.

Clearlake's average rate one year ago was 6.95%.

For refis of the same type during the week of 2025-04-03, the average rate was 6.64%.

Loan Type Date Rate
US 30 Year Fixed Rate 2025-04-03 6.64%
Clearlake 30 Year Fixed Rate 2025-04-03 6.7%
Clearlake 30 Year Fixed Rate Refi 2025-04-03 6.64%
Clearlake 15 Year Fixed Rate 2025-04-03 5.72%
Clearlake 15 Year Fixed Rate Refi 2025-04-03 6.52%
Clearlake 30 Year FHA 2025-04-03 6.11%
Clearlake 30 Year FHA Refi 2025-04-03 6.06%
Clearlake 30 Year USDA 2025-04-03 6.12%
Clearlake 30 Year USDA Refi 2025-04-03 6.32%
Clearlake 30 Year VA 2025-04-03 5.96%
Clearlake 30 Year VA Refi 2025-04-03 6.06%
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 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
UNITED WHOLESALE MORTGAGE, LLC 70 6.93% $7,276
QUICKEN LOANS, LLC 58 6.76% $7,361
Franklin Loan Corporation 31 6.86% $7,578
AMERICAN PACIFIC MORTGAGE CORPORATION 25 6.81% $7,312
REDWOOD 20 6.94% $4,540
BROKER SOLUTIONS, INC. 13 6.60% $8,243
GUILD MORTGAGE COMPANY 12 6.65% $8,008
The Loan Store, Inc. 11 6.79% $5,024
GUARANTEED RATE, INC. 10 6.65% $7,707
Paramount Residential Mortgage Group, Inc. 10 7.26% $8,827
Century Mortgage Company DBA Century Lending Company 10 6.97% $6,417
Flagstar Bank, FSB 9 7.03% $4,873
CROSSCOUNTRY MORTGAGE, LLC 7 7.11% $8,188
COMMUNITY FIRST CREDIT UNION 6 7.73% $4,596
NEWREZ LLC 6 6.96% $8,851
MASON MCDUFFIE MORTGAGE CORPORATION 6 7.50% $8,468
LOANDEPOT.COM, LLC 6 6.49% $6,658
Sierra Pacific Mortgage Company, Inc. 5 6.65% $12,274
OCMBC, INC. 5 7.65% $11,534
JPMorgan Chase Bank 5 6.90% $4,622
MORTGAGEONE, INC. 5 6.85% $8,233
Wells Fargo Bank 5 7.05% $5,062
HOMEOWNERS FINANCIAL GROUP USA, LLC 5 7.20% $8,184
First National Bank of America 4 9.53% $10,982
PENNYMAC LOAN SERVICES, LLC 4 6.62% $7,123
PREMIER LENDING, INC. 4 6.87% $9,425
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 4 6.88% $7,534
Mr. Cooper ( Nationstar Mortgage ) 4 7.56% $9,808
Equity Prime Mortgage LLC 3 6.88% $8,603
Umpqua Bank 3 6.58% $6,370
Citadel Servicing Corporation 3 9.25% $10,786
CMG MORTGAGE, INC. 3 6.83% $11,071
ALAMEDA MORTGAGE CORPORATION 3 6.58% $7,425
ZILLOW HOME LOANS, LLC 3 6.67% $6,119
GUARANTEED RATE AFFINITY, LLC 3 7.03% $6,608
SECURITYNATIONAL MORTGAGE COMPANY 3 6.12% $7,859
HOMEXPRESS MORTGAGE CORP. 2 8.37% $13,536
PROVIDENT FUNDING ASSOCIATES, L.P. 2 6.75% $8,265
PRIMARY RESIDENTIAL MORTGAGE, INC. 2 6.25% $5,135
PNC Bank 2 6.88% $7,770
Plains Commerce Bank 2 7.13% $4,016
LOANPAL, LLC 2 6.94% $7,795
TRAVIS CREDIT UNION 2 6.31% $8,002
Tri Counties Bank 2 6.13% $3,920
NEXERA HOLDING LLC 2 7.50% $16,398
A&D Mortgage LLC 1 8.38% $12,323
THE GOLDEN 1 1 7.00% $5,603
USAA Federal Savings Bank 1 7.00% $13,563
U.S. Bank 1 6.88% $6,831
VERITAS FUNDING, LLC 1 6.88% $9,257
TECHNOLOGY 1 6.13% $4,551
AHL FUNDING 1 6.13% $5,222
Ally Bank 1 6.13% $6,843
American Mortgage & Equity Consultants, Inc. 1 5.88% $7,299
AmeriHome Mortgage Company, LLC 1 6.50% $7,438
ANGEL OAK MORTGAGE SOLUTIONS LLC 1 7.37% $6,549
ARC HOME LLC 1 8.13% $4,161
AXIA FINANCIAL, LLC 1 7.99% $5,975
Barrington Bank & Trust Company, N.A. 1 6.63% $6,515
BETTER MORTGAGE CORPORATION 1 6.00% $12,832
BMO Harris Bank 1 6.88% $3,868
CANOPY MORTGAGE, LLC 1 6.63% $6,848
Charles Schwab Bank, SSB 1 6.00% $5,307
Commerce Home Mortgage, Inc. 1 7.13% $4,222
Discover Bank 1 6.49% $0
ENVOY MORTGAGE, LTD 1 7.63% $4,860
FREEDOM MORTGAGE CORPORATION 1 6.75% $4,930
General Mortgage Capital Corporation 1 7.38% $6,455
GSF Mortgage Corporation 1 6.99% $3,879
GUIDANCE RESIDENTIAL, LLC 1 7.63% $7,410
HOMEBRIDGE FINANCIAL SERVICES, INC. 1 7.13% $8,062
INFINITY EQUITY GROUP, INC. 1 7.13% $10,571
JMJ FINANCIAL GROUP 1 7.38% $8,717
LADERA LENDING, INC. 1 6.88% $5,635
MICHIGAN MUTUAL, INC. 1 7.38% $4,792
MOVEMENT MORTGAGE, LLC 1 6.99% $6,016
MUTUAL OF OMAHA MORTGAGE, INC. 1 6.99% $6,572
NAVY FEDERAL CREDIT UNION 1 6.13% $4,440
NETWORK CAPITAL FUNDING CORPORATION 1 7.63% $3,188
NexBank 1 7.50% $13,137
PANORAMA MORTGAGE GROUP, LLC 1 7.50% $6,978
PATELCO 1 6.75% $4,130
PHH Mortgage Corporation 1 6.49% $5,406
PLANET HOME LENDING, LLC 1 7.25% $16,633
PLAZA HOME MORTGAGE, INC. 1 6.50% $10,913
PROPER RATE, LLC 1 6.50% $6,152
RESIDENTIAL BANCORP 1 6.00% $4,902
RESIDENTIAL WHOLESALE MORTGAGE, INC. 1 8.63% $7,441
SACRAMENTO Credit Union 1 6.88% $3,410
San Mateo Credit Union 1 6.25% $3,005
SANTA CLARA COUNTY 1 6.38% $4,011
SCHOOLSFIRST 1 7.13% $2,019
Sierra Central Credit Union 1 6.63% $3,062
SOUTHLAND CREDIT UNION 1 5.63% $4,767
STAR ONE CREDIT UNION 1 6.38% $2,983

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
Clearlake's median listing price for 2025-03-01 was $379,900, a difference of $-39,100 (-9.3%) versus the prior year and $7,400 versus the prior month.

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

Clearlake's average listing price for 2025-03-01 was $515,488, a difference of $-49,242 (-8.7%) versus the prior year and $-16,286 versus the prior month.

For the 2025-03-01 period, Clearlake had 388 MLS listings, a difference of 17 listings (5%) versus the prior month and 76 listings (24%) 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
Clearlake's median listing age (time on market) for 2025-03-01 was 0 days.

Clearlake's median square footage for active listings during the 2025-03-01 period was 1,500 sqft. One year prior, the average listing was 1,568 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.