Yuba City FHA Loan Rates, Closing Costs & Stats

YUBA CITY, CA

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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.

    Yuba City's 84 lenders originated 635 FHA loans during 2024. The total origination value was $245,355,000, with an average FHA loan value of $386,386.

    Yuba City FHA Loans, 30 Year Fixed Rates

    30 Year FHA mortgages in Yuba City averaged -0.13% for the week of 2025-06-20, compared to the national average (all FHA variants) of 0% for the same period.

    Yuba City's average FHA mortgage closing costs are $14,231.

    The average rate for the prior week (2025-06-13) was 6.75% and one month ago for the week of 2025-05-16, the average rate was 6.72%.

    The average rate one year ago was 6.77%.

    For refis of the same type during the week of 2025-06-20, the average rate was -0.23%.

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

    Yuba City 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 Yuba City level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 108 6.15% $14,478
    QUICKEN LOANS, LLC 53 6.15% $14,591
    LOANDEPOT.COM, LLC 44 6.14% $12,773
    GUILD MORTGAGE COMPANY 30 6.39% $16,065
    Century Mortgage Company DBA Century Lending Company 21 6.45% $16,830
    KBHS HOME LOANS, LLC 17 5.97% $20,071
    AMERICAN PACIFIC MORTGAGE CORPORATION 16 6.40% $16,171
    K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. 16 5.17% $15,080
    EAGLE HOME MORTGAGE, LLC 13 4.83% $18,364
    Sierra Pacific Mortgage Company, Inc. 12 6.44% $18,777
    PENNYMAC LOAN SERVICES, LLC 11 6.31% $13,371
    Paramount Residential Mortgage Group, Inc. 11 6.40% $15,504
    MOVEMENT MORTGAGE, LLC 10 6.24% $20,935
    FREEDOM MORTGAGE CORPORATION 10 6.04% $16,821
    BROKER SOLUTIONS, INC. 9 6.35% $16,106
    GUARANTEED RATE, INC. 9 6.03% $16,881
    Equity Prime Mortgage LLC 7 6.27% $15,164
    CROSSCOUNTRY MORTGAGE, LLC 7 6.38% $15,447
    PREMIER MORTGAGE RESOURCES, L.L.C. 6 6.35% $15,948
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 6 6.17% $20,482
    Flagstar Bank, FSB 6 6.44% $13,111
    PLAZA HOME MORTGAGE, INC. 6 6.54% $16,002
    The Loan Store, Inc. 5 6.27% $13,131
    GUARANTEED RATE AFFINITY, LLC 5 6.30% $13,379
    U.S. Bank 5 5.60% $17,272
    Mr. Cooper ( Nationstar Mortgage ) 5 7.05% $16,534
    PRIMELENDING, A PLAINSCAPITAL COMPANY 5 6.60% $15,975
    HOMEAMERICAN MORTGAGE CORPORATION 5 5.17% $7,190
    ZILLOW HOME LOANS, LLC 4 5.94% $14,729
    THE GOLDEN 1 4 6.25% $12,668
    SUN WEST MORTGAGE COMPANY, INC. 3 6.79% $15,312
    American Mortgage & Equity Consultants, Inc. 3 6.46% $20,717
    AmeriHome Mortgage Company, LLC 3 6.75% $7,982
    CITY FIRST MORTGAGE SERVICES, L.L.C. 3 7.13% $12,076
    DHI MORTGAGE COMPANY, LTD. 3 4.91% $11,311
    LAKEVIEW LOAN SERVICING, LLC 3 6.38% $9,621
    NEWREZ LLC 3 6.25% $12,887
    SUMMIT FUNDING, INC. 3 5.88% $16,526
    VILLAGE CAPITAL MORTGAGE 3 6.29% $6,678
    Cornerstone First Mortgage, Inc 2 6.63% $12,533
    JMAC LENDING, INC. 2 5.63% $13,352
    PHH Mortgage Corporation 2 6.31% $10,286
    TOP FLITE FINANCIAL, INC. 2 6.88% $11,683
    MASON MCDUFFIE MORTGAGE CORPORATION 2 6.37% $16,096
    OCMBC, INC. 2 7.44% $19,079
    LAND HOME FINANCIAL SERVICES, INC. 2 7.19% $16,619
    CARDINAL FINANCIAL 2 6.44% $12,616
    CANOPY MORTGAGE, LLC 2 6.75% $12,094
    Commerce Home Mortgage, Inc. 1 5.63% $18,275
    CMG MORTGAGE, INC. 1 5.50% $24,616
    NETWORK CAPITAL FUNDING CORPORATION 1 6.50% $15,370
    AMERICAN FINANCING CORPORATION 1 5.50% $23,654
    NOVA FINANCIAL & INVESTMENT CORPORATION 1 6.75% $12,938
    CHURCHILL MORTGAGE CORPORATION 1 6.25% $13,209
    CENTRAL COAST LENDING, INC. 1 7.25% $12,994
    Performance Financial, Inc. 1 6.50% $14,120
    Plains Commerce Bank 1 6.99% $16,114
    PLANET HOME LENDING, LLC 1 5.50% $6,793
    Carrington Mortgage Services, LLC 1 5.63% $12,768
    CALCON MUTUAL MORTGAGE LLC 1 6.75% $29,077
    RANLIFE, INC. 1 6.75% $14,427
    RESIDENTIAL BANCORP 1 6.75% $13,301
    SCHOOLSFIRST 1 7.00% $10,322
    BMO Harris Bank 1 6.13% $11,763
    Wells Fargo Bank 1 5.25% $26,532
    AMERICAN FINANCIAL NETWORK, INC. 1 7.25% $19,845
    Texana Bank 1 7.13% $11,686
    The Central Trust Bank 1 5.75% $13,156
    Banner Bank 1 5.75% $8,868
    AXIA FINANCIAL, LLC 1 6.63% $20,242
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 6.13% $9,807
    EMM LOANS LLC 1 5.99% $19,813
    DIRECTORS MORTGAGE, INC. 1 6.88% $13,777
    HOMEBRIDGE FINANCIAL SERVICES, INC. 1 6.50% $7,799
    INTELLILOAN, INC. 1 6.13% $7,715
    Home Mortgage Alliance Corp 1 6.13% $15,457
    JPMorgan Chase Bank 1 5.38% $7,761
    DATA MORTGAGE, INC. 1 7.25% $16,922
    CORNERSTONE HOME LENDING, INC. 1 6.63% $9,131
    AMERISAVE MORTGAGE CORPORATION 1 7.13% $16,407
    LOANPAL, LLC 1 5.63% $12,757
    MID AMERICA MORTGAGE, INC. 1 6.38% $6,440
    Mortgage Research Center, LLC 1 6.75% $5,235
    MOUNTAIN WEST FINANCIAL, INC. 1 6.13% $13,593

    The top Yuba City FHA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 108 FHA loans originated. Their average total fees are $14,478, which is $113 lower than the next largest lender, QUICKEN LOANS, LLC.

    The lowest fee Yuba City FHA lenders (with over 10 loans originated) are LOANDEPOT.COM, LLC ($12,773), PENNYMAC LOAN SERVICES, LLC ($13,371), UNITED WHOLESALE MORTGAGE, LLC ($14,478), QUICKEN LOANS, LLC ($14,591) and K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. ($15,080).

    The lowest rate Yuba City FHA lenders (with over 10 loans originated) are EAGLE HOME MORTGAGE, LLC (4.83%), K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. (5.17%), KBHS HOME LOANS, LLC (5.97%), FREEDOM MORTGAGE CORPORATION (6.04%) and LOANDEPOT.COM, LLC (6.14%).

    Yuba City FHA Loan Limits

    Metro County Year Single Family Limit 2 Family Limit 3 Family Limit 4 Family Limit
    YUBA CITY, CA SUTTER 2022 $420,900 $538,800 $651,300 $809,450
    YUBA CITY, CA YUBA 2022 $420,900 $538,800 $651,300 $809,450
    YUBA CITY, CA SUTTER 2023 $488,750 $625,700 $756,300 $939,900
    YUBA CITY, CA YUBA 2023 $488,750 $625,700 $756,300 $939,900

    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).