Harrisburg FHA Loan Rates, Closing Costs & Stats

HARRISBURG-CARLISLE, 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.

    Harrisburg's 121 lenders originated 1,035 FHA loans during 2024. The total origination value was $228,875,000, with an average FHA loan value of $221,135.

    Harrisburg FHA Loans, 30 Year Fixed Rates

    30 Year FHA mortgages in Harrisburg averaged 6.75% for the week of 2025-07-18, compared to the national average (all FHA variants) of 6.527% for the same period.

    Harrisburg's average FHA mortgage closing costs are $7,899.

    The average rate for the prior week (2025-07-11) was 6.64% and one month ago for the week of 2025-06-13, the average rate was 6.9%.

    The average rate one year ago was 6.96%.

    For refis of the same type during the week of 2025-07-18, the average rate was 6.44%.

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

    Harrisburg 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 Harrisburg level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    QUICKEN LOANS, LLC 137 6.42% $10,931
    UNITED WHOLESALE MORTGAGE, LLC 58 6.10% $12,605
    FREEDOM MORTGAGE CORPORATION 52 6.44% $12,548
    PENNYMAC LOAN SERVICES, LLC 44 6.19% $9,593
    BROKER SOLUTIONS, INC. 42 6.96% $10,506
    CROSSCOUNTRY MORTGAGE, LLC 39 6.88% $11,698
    LOANDEPOT.COM, LLC 38 6.56% $10,411
    CMG MORTGAGE, INC. 28 6.47% $12,941
    GUILD MORTGAGE COMPANY 25 6.45% $9,409
    RADIUS FINANCIAL GROUP INC. 22 6.57% $11,309
    FIRST ALLIANCE HOME MORTGAGE, LLC 20 6.66% $10,247
    EMM LOANS LLC 19 6.60% $11,962
    NEWREZ LLC 18 6.37% $10,570
    MOVEMENT MORTGAGE, LLC 15 6.71% $10,884
    M&T Bank 13 6.19% $8,106
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 13 6.91% $12,070
    MEMBERS 1ST FEDERAL CREDIT UNION 11 6.16% $8,820
    Equity Prime Mortgage LLC 11 6.49% $12,032
    Mr. Cooper ( Nationstar Mortgage ) 11 6.53% $11,818
    Univest Bank and Trust Co. 10 6.10% $11,640
    TIDEWATER MORTGAGE SERVICES, INC. 9 6.53% $8,839
    NATIONS DIRECT MORTGAGE, LLC 9 6.54% $11,551
    MUTUAL OF OMAHA MORTGAGE, INC. 8 6.59% $13,457
    FIRST COMMUNITY MORTGAGE, INC. 7 6.61% $9,626
    HOWARD HANNA FINANCIAL SERVICES, INC. 7 6.55% $8,835
    Mortgage America, Inc. 7 6.16% $9,307
    Carrington Mortgage Services, LLC 7 6.02% $11,607
    HOMESIDE FINANCIAL, LLC 7 6.41% $8,949
    Orrstown Bank 6 6.56% $7,167
    AMERISAVE MORTGAGE CORPORATION 6 6.10% $14,456
    PRIMARY RESIDENTIAL MORTGAGE, INC. 6 6.75% $7,175
    V.I.P. MORTGAGE, INC. 6 6.19% $11,984
    PLAZA HOME MORTGAGE, INC. 6 7.02% $14,545
    LAKEVIEW LOAN SERVICING, LLC 5 6.25% $9,349
    Capital Bank 5 6.63% $13,695
    Plains Commerce Bank 5 6.63% $9,397
    AmeriHome Mortgage Company, LLC 5 6.33% $8,544
    Sierra Pacific Mortgage Company, Inc. 5 6.13% $10,511
    UNION HOME MORTGAGE CORP. 5 6.47% $8,679
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 5 6.65% $10,004
    PLANET HOME LENDING, LLC 4 6.19% $6,945
    CARDINAL FINANCIAL 4 7.15% $12,357
    FIRST COLONY MORTGAGE CORPORATION 4 6.34% $10,421
    First National Bank of Pennsylvania 4 6.28% $9,965
    Flagstar Bank, FSB 4 6.72% $8,879
    Homesale Mortgage, LLC 4 6.75% $8,355
    LOANPAL, LLC 4 6.12% $12,571
    Mortgage Research Center, LLC 4 7.28% $5,931
    NFM, INC. 4 7.25% $13,424
    NVR Mortgage Finance, Inc. 4 6.68% $15,275
    Paramount Residential Mortgage Group, Inc. 4 6.91% $10,531
    POLARIS HOME FUNDING CORP. 4 6.44% $10,983
    York Traditions Bank 4 6.47% $9,344
    ZILLOW HOME LOANS, LLC 4 6.59% $11,035
    Farmers and Merchants Trust Company of Chambersburg 3 6.38% $8,284
    Mid Penn Bank 3 6.67% $7,577
    VILLAGE CAPITAL MORTGAGE 3 6.29% $7,502
    GUARANTEED RATE AFFINITY, LLC 3 6.79% $8,774
    Lakeview Community Capital, LLC 3 6.54% $12,422
    UNITED MORTGAGE CORP 3 7.04% $11,738
    Integrity Home Mortgage Corp 3 6.50% $9,984
    AMERICAN FINANCING CORPORATION 3 6.00% $11,666
    Fulton Bank 2 6.13% $8,920
    PNC Bank 2 6.44% $9,822
    Wells Fargo Bank 2 5.63% $8,322
    BETTER MORTGAGE CORPORATION 2 6.75% $9,119
    BAY CAPITAL MORTGAGE CORPORATION 2 6.75% $11,672
    GSF Mortgage Corporation 2 6.38% $9,457
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 2 6.37% $12,158
    RELIANCE FIRST CAPITAL, LLC 2 7.00% $14,264
    SUCCESS MORTGAGE PARTNERS, INC. 2 6.50% $11,718
    SUN WEST MORTGAGE COMPANY, INC. 2 5.25% $23,579
    MY MORTGAGE, INC. 2 6.81% $17,989
    Meridian Bank Corporation 2 6.50% $15,476
    Alcova Mortgage LLC 2 6.50% $4,670
    Network Funding, L.P. 2 6.38% $9,374
    MORTGAGE SOLUTIONS OF COLORADO, LLC 2 6.75% $9,358
    CONTOUR MORTGAGE CORPORATION 1 6.25% $9,318
    PENTAGON FEDERAL CREDIT UNION 1 6.00% $11,211
    Century Mortgage Company DBA Century Lending Company 1 6.63% $6,019
    Acre Mortgage and Financial Inc 1 6.75% $12,037
    CANOPY MORTGAGE, LLC 1 6.13% $10,336
    BAY EQUITY LLC 1 6.63% $6,607
    STOCKTON MORTGAGE CORPORATION 1 5.63% $10,185
    SWBC MORTGAGE CORPORATION 1 6.75% $8,041
    Texana Bank 1 6.88% $6,528
    The Ephrata National Bank 1 6.13% $10,843
    The Loan Store, Inc. 1 6.75% $18,479
    THE MORTGAGE LINK, INC. 1 7.25% $15,576
    TOTAL MORTGAGE SERVICES, LLC 1 7.13% $12,632
    Truist 1 6.25% $5,696
    AMERICAN FINANCIAL NETWORK, INC. 1 5.63% $26,261
    GUARANTEED RATE, INC. 1 6.00% $16,990
    HARTFORD FUNDING, LTD. 1 5.75% $15,130
    Home Mortgage Alliance Corp 1 6.75% $13,782
    UNITED NORTHERN MORTGAGE BANKERS LIMITED 1 6.13% $8,332
    HOMESPIRE MORTGAGE CORPORATION 1 6.13% $6,105
    Keystone Funding, Inc. 1 6.75% $12,590
    Ixonia Bank 1 6.75% $15,385
    GREENTREE MORTGAGE COMPANY, L.P. 1 6.63% $14,427
    ALLIED MORTGAGE GROUP, INC. 1 6.50% $6,316
    MDE Home Loans, LLC 1 6.25% $18,940
    Franklin Loan Corporation 1 6.13% $16,121
    MICHIGAN MUTUAL, INC. 1 6.13% $7,068
    MID AMERICA MORTGAGE, INC. 1 7.13% $7,800
    MID-ISLAND MORTGAGE CORP. 1 7.63% $17,980
    MILEND, INC. 1 6.25% $16,245
    Fortress Bank 1 7.13% $9,203
    MORTGAGE EQUITY PARTNERS LLC 1 6.63% $12,314
    First United Bank and Trust Company 1 6.13% $11,248
    FIDELITY DIRECT MORTGAGE, LLC 1 7.25% $16,360
    EVERETT FINANCIAL, INC. 1 5.50% $14,211
    East Coast Capital Corp. 1 6.50% $10,931
    NBKC BANK 1 6.49% $9,844
    DIRECT MORTGAGE LOANS, LLC 1 7.13% $13,246
    US MORTGAGE CORPORATION 1 6.50% $30,633
    Northpointe Bank 1 7.13% $9,893
    OCEANSIDE MORTGAGE COMPANY 1 6.49% $3,248
    Cornerstone First Mortgage, Inc 1 5.99% $9,643
    AFFORDABLE MORTGAGE ADVISORS, LLC. 1 7.50% $12,936
    PATRIOT 1 6.50% $8,824

    The top Harrisburg FHA lender as defined by loan originations is QUICKEN LOANS, LLC, with 137 FHA loans originated. Their average total fees are $10,931, which is $1,674 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

    The lowest fee Harrisburg FHA lenders (with over 10 loans originated) are M&T Bank ($8,106), MEMBERS 1ST FEDERAL CREDIT UNION ($8,820), GUILD MORTGAGE COMPANY ($9,409), PENNYMAC LOAN SERVICES, LLC ($9,593) and FIRST ALLIANCE HOME MORTGAGE, LLC ($10,247).

    The lowest rate Harrisburg FHA lenders (with over 10 loans originated) are UNITED WHOLESALE MORTGAGE, LLC (6.10%), Univest Bank and Trust Co. (6.10%), MEMBERS 1ST FEDERAL CREDIT UNION (6.16%), M&T Bank (6.19%) and PENNYMAC LOAN SERVICES, LLC (6.19%).

    Harrisburg FHA Loan Limits

    Metro County Year Single Family Limit 2 Family Limit 3 Family Limit 4 Family Limit
    HARRISBURG-CARLISLE, PA CUMBERLAND 2022 $420,680 $538,650 $651,050 $809,150
    HARRISBURG-CARLISLE, PA DAUPHIN 2022 $420,680 $538,650 $651,050 $809,150
    HARRISBURG-CARLISLE, PA PERRY 2022 $420,680 $538,650 $651,050 $809,150
    HARRISBURG-CARLISLE, PA CUMBERLAND 2023 $472,030 $604,400 $730,525 $907,900
    HARRISBURG-CARLISLE, PA DAUPHIN 2023 $472,030 $604,400 $730,525 $907,900
    HARRISBURG-CARLISLE, PA PERRY 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).