Sunbury FHA Loan Rates, Closing Costs & Stats

Sunbury, PA

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    • FHA loans are mortgages created in the 1930's to help insulate lenders from credit risks and help promote home ownership. The Federal Housing Administration (hence, FHA) allows for lower downpayments and credit scores-- making these loans much more accessible than traditional mortgages.

    FHA loans typically need just a 3.5% downpayment with credit scores of 580 or better. For credit scores between 500-579, the downpayment needs to be at least 10%.

    While FHA loans make home ownership much more accessible to first-time homebuyers, they do require PMI (purchase money insurance)-- an additional insurance premium that is paid to the FHA to help cover defaults.

    For additional requirements as defined by the FHA, click here.

    Sunbury's 53 lenders originated 142 FHA loans during 2024. The total origination value was $22,810,000, with an average FHA loan value of $160,634.

    Sunbury FHA Loans, 30 Year Fixed Rates

    30 Year FHA mortgages in Sunbury averaged 0.14% for the week of 2025-06-20, compared to the national average (all FHA variants) of 0% for the same period.

    Sunbury's average FHA mortgage closing costs are $6,914.

    The average rate for the prior week (2025-06-13) was 6.82% and one month ago for the week of 2025-05-16, the average rate was 6.98%.

    The average rate one year ago was 7.13%.

    For refis of the same type during the week of 2025-06-20, the average rate was 0.75%.

    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

    Sunbury FHA Loan Lenders by Rates & Fees

    The below table looks at the average fees/closing costs and rates for FHA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Sunbury level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    QUICKEN LOANS, LLC 28 6.42% $8,834
    ALLIED MORTGAGE GROUP, INC. 5 5.95% $12,191
    PRIMELENDING, A PLAINSCAPITAL COMPANY 5 6.93% $9,921
    Fulton Bank 5 6.43% $6,281
    First National Bank of Pennsylvania 5 6.60% $6,523
    ZILLOW HOME LOANS, LLC 4 6.56% $8,727
    BROKER SOLUTIONS, INC. 4 6.69% $9,526
    PENNYMAC LOAN SERVICES, LLC 4 6.25% $10,367
    MICHIGAN MUTUAL, INC. 3 7.54% $6,713
    Mortgage America, Inc. 3 6.67% $8,669
    LOANDEPOT.COM, LLC 3 6.42% $8,799
    Flagstar Bank, FSB 2 5.94% $13,225
    FIRST HERITAGE FINANCIAL, LLC 2 6.25% $6,432
    Century Mortgage Company DBA Century Lending Company 2 6.56% $10,413
    CMG MORTGAGE, INC. 2 7.25% $7,402
    CROSSCOUNTRY MORTGAGE, LLC 2 6.00% $10,763
    HOMESIDE FINANCIAL, LLC 2 6.63% $7,782
    Mortgage Research Center, LLC 2 6.50% $4,645
    AMERISAVE MORTGAGE CORPORATION 2 6.44% $13,490
    M&T Bank 2 5.81% $6,063
    Carrington Mortgage Services, LLC 2 5.88% $11,182
    MUTUAL OF OMAHA MORTGAGE, INC. 2 6.25% $9,095
    PLAZA HOME MORTGAGE, INC. 2 7.44% $8,118
    Prosperity Home Mortgage, LLC 2 6.25% $8,395
    Truist 1 5.70% $8,329
    UNION HOME MORTGAGE CORP. 1 7.00% $8,896
    UNITED MORTGAGE CORP 1 6.75% $6,691
    UNITED WHOLESALE MORTGAGE, LLC 1 4.63% $10,824
    Waterstone Mortgage Corporation 1 6.25% $9,863
    NEWREZ LLC 1 6.75% $3,204
    AFFORDABLE MORTGAGE ADVISORS, LLC. 1 6.75% $6,257
    AMERICAN FINANCIAL RESOURCES, INC. 1 6.88% $10,726
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 7.13% $7,573
    Equity Prime Mortgage LLC 1 6.75% $5,592
    FIRST COLONY MORTGAGE CORPORATION 1 7.75% $6,933
    FIRST COMMUNITY MORTGAGE, INC. 1 8.25% $9,098
    FREEDOM MORTGAGE CORPORATION 1 6.63% $3,251
    GSF Mortgage Corporation 1 6.50% $12,001
    GUILD MORTGAGE COMPANY 1 6.13% $7,178
    HARBORONE MORTGAGE, LLC 1 6.25% $6,248
    MOVEMENT MORTGAGE, LLC 1 6.63% $12,957
    MYCUMORTGAGE, LLC 1 6.75% $7,404
    NATIONS DIRECT MORTGAGE, LLC 1 7.13% $10,182
    ABSOLUTE HOME MORTGAGE CORPORATION 1 6.63% $10,343
    NFM, INC. 1 6.50% $6,387
    PLANET HOME LENDING, LLC 1 6.25% $7,822
    PNC Bank 1 6.88% $6,147
    RELIANCE FIRST CAPITAL, LLC 1 5.63% $13,762
    SUN WEST MORTGAGE COMPANY, INC. 1 8.00% $10,777
    SWBC MORTGAGE CORPORATION 1 6.25% $3,025
    The Ephrata National Bank 1 6.75% $6,315
    TIDEWATER MORTGAGE SERVICES, INC. 1 6.25% $8,334
    TOWNE MORTGAGE COMPANY 1 6.25% $15,447

    The top Sunbury FHA lender as defined by loan originations is QUICKEN LOANS, LLC, with 28 FHA loans originated. Their average total fees are $8,834, which is $3,357 lower than the next largest lender, ALLIED MORTGAGE GROUP, INC..

    The lowest fee Sunbury FHA lenders (with over 10 loans originated) are QUICKEN LOANS, LLC ($8,834), .

    The lowest rate Sunbury FHA lenders (with over 10 loans originated) are QUICKEN LOANS, LLC (6.42%), .

    Sunbury FHA Loan Limits

    Metro County Year Single Family Limit 2 Family Limit 3 Family Limit 4 Family Limit
    SUNBURY, PA NORTHUMBERLAND 2022 $420,680 $538,650 $651,050 $809,150
    SUNBURY, PA NORTHUMBERLAND 2023 $472,030 $604,400 $730,525 $907,900

    FHA Loan Requirements

  • Borrowers must have a steady employment history or worked for the same employer for the past two years.
  • Borrowers must have a valid Social Security number, lawful residency in the U.S. and be of legal age to sign a mortgage in your state.
  • Borrowers must pay a minimum down payment of 3.5 percent. The money may be gifted by a family member. (Traditional mortgages do not permit gifted down payments)
  • New FHA loans are only available for primary residence occupancy.
  • Borrowers must have a property appraisal from a FHA-approved appraiser.
  • Borrowers’ front-end ratio (mortgage payment plus HOA fees, property taxes, mortgage insurance, homeowners insurance) needs to be less than 31 percent of their gross income, typically. You may be able to get approved with as high a percentage as 40 percent. Your lender will be required to provide justification as to why they believe the mortgage presents an acceptable risk. The lender must include any compensating factors used for loan approval.
  • Borrowers’ debt to income ratio (mortgage plus all your monthly debt, i.e., credit card payment, car payment, student loans, etc.) needs to be less than 43 percent of their gross income, typically. You may be able to get approved with as high a percentage as 50 percent.
  • Borrowers must have a minimum credit score of 580 for maximum financing with a minimum down payment of 3.5 percent.
  • Borrowers must have a minimum credit score of 500-579 for maximum LTV of 90 percent with a minimum down payment of 10 percent.
  • Bborrowers must be two years out of bankruptcy and have re-established good credit. Exceptions can be made.
  • Typically borrowers must be three years out of foreclosure and have re-established good credit.
  • The purchased property must meet certain minimum standards at appraisal. If the home you are purchasing does not meet these standards and a seller will not agree to the required repairs, your only option is to pay for the required repairs at closing (to be held in escrow until the repairs are complete).