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 6.43% for the week of 2025-04-04, compared to the national average (all FHA variants) of 6.259% for the same period.

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

    The average rate for the prior week (2025-03-28) was 6.53% and one month ago for the week of 2025-02-28, the average rate was 6.21%.

    The average rate one year ago was 6.33%.

    For refis of the same type during the week of 2025-04-04, the average rate was 5.83%.

    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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Yuba City (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 $299,900 (9.9%) $357,671 (6.7%) 1.11 328
    2018-02-01 $305,011 (5.6%) $360,799 (6.5%) 1.11 320
    2018-03-01 $316,750 (8.7%) $371,416 (10.0%) 1.11 306
    2018-04-01 $331,250 (11.5%) $383,797 (9.2%) 1.12 324
    2018-05-01 $329,000 (11.0%) $384,538 (6.3%) 1.10 363
    2018-06-01 $328,850 (9.6%) $382,254 (5.5%) 1.10 390
    2018-07-01 $320,963 (7.0%) $367,120 (1.4%) 1.07 443
    2018-08-01 $317,475 (6.2%) $359,482 (0.3%) 1.06 490
    2018-09-01 $319,900 (7.0%) $366,818 (4.3%) 1.08 499
    2018-10-01 $312,500 (5.9%) $364,765 (5.8%) 1.06 500
    2018-11-01 $306,725 (4.0%) $358,956 (3.5%) 1.04 463
    2018-12-01 $300,000 (1.7%) $348,567 (-0.8%) 1.03 378
    2019-01-01 $299,950 (0.0%) $354,149 (-1.0%) 1.04 316
    2019-02-01 $312,450 (2.4%) $377,542 (4.6%) 1.06 317
    2019-03-01 $322,959 (2.0%) $392,108 (5.6%) 1.06 306
    2019-04-01 $328,639 (-0.8%) $393,605 (2.6%) 1.04 317
    2019-05-01 $327,425 (-0.5%) $401,301 (4.4%) 1.02 364
    2019-06-01 $334,900 (1.8%) $393,127 (2.8%) 1.05 388
    2019-07-01 $335,000 (4.4%) $395,106 (7.6%) 1.05 420
    2019-08-01 $331,636 (4.5%) $380,067 (5.7%) 1.05 424
    2019-09-01 $329,591 (3.0%) $370,612 (1.0%) 1.05 420
    2019-10-01 $331,702 (6.1%) $367,430 (0.7%) 1.07 397
    2019-11-01 $339,000 (10.5%) $379,836 (5.8%) 1.11 384
    2019-12-01 $329,950 (10.0%) $393,866 (13.0%) 1.10 316
    2020-01-01 $333,250 (11.1%) $381,398 (7.7%) 1.11 284
    2020-02-01 $349,999 (12.0%) $395,475 (4.8%) 1.15 287
    2020-03-01 $359,975 (11.5%) $416,798 (6.3%) 1.13 300
    2020-04-01 $360,000 (9.5%) $418,794 (6.4%) 1.13 299
    2020-05-01 $389,475 (19.0%) $445,558 (11.0%) 1.18 250
    2020-06-01 $386,900 (15.5%) $439,568 (11.8%) 1.14 219
    2020-07-01 $386,475 (15.4%) $445,305 (12.7%) 1.12 200
    2020-08-01 $375,000 (13.1%) $441,066 (16.1%) 1.07 190
    2020-09-01 $392,500 (19.1%) $453,492 (22.4%) 1.12 170
    2020-10-01 $385,000 (16.1%) $457,886 (24.6%) 1.10 189
    2020-11-01 $402,000 (18.6%) $455,020 (19.8%) 1.18 157
    2020-12-01 $404,400 (22.6%) $448,803 (14.0%) 1.20 136
    2021-01-01 $399,900 (20.0%) $482,044 (26.4%) 1.19 100
    2021-02-01 $402,475 (15.0%) $502,939 (27.2%) 1.17 115
    2021-03-01 $407,500 (13.2%) $502,750 (20.6%) 1.16 116
    2021-04-01 $405,000 (12.5%) $491,753 (17.4%) 1.10 140
    2021-05-01 $419,900 (7.8%) $506,822 (13.8%) 1.12 138
    2021-06-01 $432,500 (11.8%) $559,511 (27.3%) 1.14 182
    2021-07-01 $429,900 (11.2%) $540,832 (21.5%) 1.13 212
    2021-08-01 $417,475 (11.3%) $504,225 (14.3%) 1.11 204
    2021-09-01 $422,500 (7.6%) $505,573 (11.5%) 1.13 222
    2021-10-01 $429,995 (11.7%) $521,346 (13.9%) 1.15 226
    2021-11-01 $440,450 (9.6%) $533,278 (17.2%) 1.18 223
    2021-12-01 $443,000 (9.6%) $514,124 (14.6%) 1.20 166
    2022-01-01 $452,500 (13.2%) $524,805 (8.9%) 1.22 148
    2022-02-01 $474,950 (18.0%) $532,033 (5.8%) 1.24 150
    2022-03-01 $477,000 (17.1%) $537,959 (7.0%) 1.19 178
    2022-04-01 $475,000 (17.3%) $529,955 (7.8%) 1.13 212
    2022-05-01 $492,890 (17.4%) $528,117 (4.2%) 1.13 272
    2022-06-01 $480,117 (11.0%) $532,822 (-4.8%) 1.07 328
    2022-07-01 $470,000 (9.3%) $524,666 (-3.0%) 1.06 373
    2022-08-01 $459,900 (10.2%) $516,903 (2.5%) 1.06 432
    2022-09-01 $455,000 (7.7%) $508,772 (0.6%) 1.06 422
    2022-10-01 $451,500 (5.0%) $504,582 (-3.2%) 1.06 403
    2022-11-01 $457,750 (3.9%) $514,050 (-3.6%) 1.10 376
    2022-12-01 $452,900 (2.2%) $512,768 (-0.3%) 1.12 321
    2023-01-01 $459,900 (1.6%) $511,818 (-2.5%) 1.14 279
    2023-02-01 $459,725 (-3.2%) $508,514 (-4.4%) 1.11 279
    2023-03-01 $472,475 (-1.0%) $523,697 (-2.7%) 1.11 262
    2023-04-01 $475,000 (0.0%) $538,148 (1.6%) 1.10 209
    2023-05-01 $469,875 (-4.7%) $538,921 (2.1%) 1.07 209
    2023-06-01 $479,500 (-0.1%) $553,010 (3.8%) 1.08 216
    2023-07-01 $479,000 (1.9%) $537,840 (2.5%) 1.09 225
    2023-08-01 $469,225 (2.0%) $516,377 (-0.1%) 1.08 230
    2023-09-01 $469,000 (3.1%) $510,580 (0.4%) 1.09 245
    2023-10-01 $459,875 (1.9%) $507,553 (0.6%) 1.08 255
    2023-11-01 $471,950 (3.1%) $497,881 (-3.2%) 1.12 259
    2023-12-01 $459,999 (1.6%) $487,451 (-4.9%) 1.12 242
    2024-01-01 $462,000 (0.5%) $478,860 (-6.4%) 1.13 220
    2024-02-01 $465,444 (1.2%) $482,334 (-5.2%) 1.12 205
    2024-03-01 $467,000 (-1.2%) $481,521 (-8.1%) 1.10 229
    2024-04-01 $469,356 (-1.2%) $498,365 (-7.4%) 1.09 264
    2024-05-01 $480,000 (2.2%) $510,886 (-5.2%) 1.09 298
    2024-06-01 $478,990 (-0.1%) $522,397 (-5.5%) 1.09 339
    2024-07-01 $475,082 (-0.8%) $518,390 (-3.6%) 1.09 340
    2024-08-01 $480,000 (2.3%) $525,251 (1.7%) 1.12 348
    2024-09-01 $484,950 (3.4%) $523,342 (2.5%) 1.14 355
    2024-10-01 $480,975 (4.6%) $514,031 (1.3%) 1.13 386
    2024-11-01 $484,450 (2.7%) $504,717 (1.4%) 1.16 394
    2024-12-01 $488,725 (6.2%) $514,755 (5.6%) 1.21 346
    2025-01-01 $478,950 (3.7%) $504,610 (5.4%) 1.20 307
    2025-02-01 $484,725 (4.1%) $504,407 (4.6%) 1.18 310
    2025-03-01 $485,000 (3.9%) $504,062 (4.7%) 0.00 328
    Yuba City's median listing price for 2025-03-01 was $485,000, a difference of $18,000 (3.9%) versus the prior year and $275 versus the prior month.

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

    Yuba City's average listing price for 2025-03-01 was $504,062, a difference of $22,541 (4.7%) versus the prior year and $-345 versus the prior month.

    For the 2025-03-01 period, Yuba City had 328 MLS listings, a difference of 18 listings (6%) versus the prior month and 99 listings (43%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Yuba City (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 69 days 1,841 sqft
    2018-02-01 61 days 1,847 sqft
    2018-03-01 47 days 1,873 sqft
    2018-04-01 43 days 1,883 sqft
    2018-05-01 38 days 1,887 sqft
    2018-06-01 41 days 1,853 sqft
    2018-07-01 40 days 1,807 sqft
    2018-08-01 43 days 1,786 sqft
    2018-09-01 51 days 1,829 sqft
    2018-10-01 55 days 1,785 sqft
    2018-11-01 57 days 1,719 sqft
    2018-12-01 66 days 1,712 sqft
    2019-01-01 62 days 1,639 sqft
    2019-02-01 52 days 1,678 sqft
    2019-03-01 48 days 1,687 sqft
    2019-04-01 43 days 1,692 sqft
    2019-05-01 38 days 1,681 sqft
    2019-06-01 44 days 1,728 sqft
    2019-07-01 46 days 1,736 sqft
    2019-08-01 50 days 1,744 sqft
    2019-09-01 55 days 1,760 sqft
    2019-10-01 58 days 1,791 sqft
    2019-11-01 58 days 1,867 sqft
    2019-12-01 72 days 1,826 sqft
    2020-01-01 73 days 1,853 sqft
    2020-02-01 47 days 1,865 sqft
    2020-03-01 45 days 1,895 sqft
    2020-04-01 52 days 1,865 sqft
    2020-05-01 71 days 2,033 sqft
    2020-06-01 75 days 2,006 sqft
    2020-07-01 73 days 1,933 sqft
    2020-08-01 48 days 1,906 sqft
    2020-09-01 44 days 1,990 sqft
    2020-10-01 44 days 1,865 sqft
    2020-11-01 51 days 1,861 sqft
    2020-12-01 62 days 1,837 sqft
    2021-01-01 54 days 1,812 sqft
    2021-02-01 27 days 1,828 sqft
    2021-03-01 33 days 1,805 sqft
    2021-04-01 26 days 1,861 sqft
    2021-05-01 29 days 1,850 sqft
    2021-06-01 25 days 1,788 sqft
    2021-07-01 27 days 1,750 sqft
    2021-08-01 38 days 1,656 sqft
    2021-09-01 37 days 1,661 sqft
    2021-10-01 38 days 1,716 sqft
    2021-11-01 42 days 1,754 sqft
    2021-12-01 51 days 1,759 sqft
    2022-01-01 49 days 1,791 sqft
    2022-02-01 32 days 1,760 sqft
    2022-03-01 25 days 1,806 sqft
    2022-04-01 26 days 1,754 sqft
    2022-05-01 29 days 1,846 sqft
    2022-06-01 32 days 1,834 sqft
    2022-07-01 40 days 1,790 sqft
    2022-08-01 47 days 1,784 sqft
    2022-09-01 48 days 1,794 sqft
    2022-10-01 54 days 1,818 sqft
    2022-11-01 62 days 1,802 sqft
    2022-12-01 69 days 1,756 sqft
    2023-01-01 74 days 1,801 sqft
    2023-02-01 54 days 1,789 sqft
    2023-03-01 53 days 1,853 sqft
    2023-04-01 50 days 1,866 sqft
    2023-05-01 38 days 1,870 sqft
    2023-06-01 39 days 1,947 sqft
    2023-07-01 46 days 1,924 sqft
    2023-08-01 45 days 1,905 sqft
    2023-09-01 40 days 1,900 sqft
    2023-10-01 47 days 1,878 sqft
    2023-11-01 52 days 1,867 sqft
    2023-12-01 52 days 1,810 sqft
    2024-01-01 58 days 1,784 sqft
    2024-02-01 58 days 1,787 sqft
    2024-03-01 44 days 1,780 sqft
    2024-04-01 41 days 1,818 sqft
    2024-05-01 35 days 1,837 sqft
    2024-06-01 43 days 1,832 sqft
    2024-07-01 46 days 1,818 sqft
    2024-08-01 50 days 1,837 sqft
    2024-09-01 51 days 1,859 sqft
    2024-10-01 47 days 1,865 sqft
    2024-11-01 52 days 1,871 sqft
    2024-12-01 70 days 1,882 sqft
    2025-01-01 73 days 1,845 sqft
    2025-02-01 53 days 1,837 sqft
    2025-03-01 0 days 1,837 sqft
    Yuba City's median listing age (time on market) for 2025-03-01 was 0 days. This is -100% shorter than the same period one year ago.

    Yuba City's median square footage for active listings during the 2025-03-01 period was 1,837 sqft. One year prior, the average listing was 1,780 sqft.

    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).