Oxford Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Oxford averaged
6.95%
for the week of 2025-05-22, compared to the national average of
6.86% for the same period.
The average rate for the prior week (2025-05-15) was
7% and
one month ago for the week of 2025-04-17, the
average rate was 7.22%.
Oxford's average rate one year ago was 7.21%.
For refis of the same type during the week of 2025-05-22, the average rate
was 6.86%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-05-22 | 6.86% |
| Oxford 30 Year Fixed Rate | 2025-05-22 | 6.95% |
| Oxford 30 Year Fixed Rate Refi | 2025-05-22 | 6.86% |
| Oxford 15 Year Fixed Rate | 2025-05-22 | 6.11% |
| Oxford 15 Year Fixed Rate Refi | 2025-05-22 | 6.01% |
| Oxford 30 Year FHA | 2025-05-22 | 6.81% |
| Oxford 30 Year FHA Refi | 2025-05-22 | 6.71% |
| Oxford 30 Year USDA | 2025-05-22 | 6.53% |
| Oxford 30 Year USDA Refi | 2025-05-22 | 6.43% |
| Oxford 30 Year VA | 2025-05-22 | 6.62% |
| Oxford 30 Year VA Refi | 2025-05-22 | 6.62% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Oxford, MS.
Oxford 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 Oxford, MS 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.).
Oxford Average Closing Costs & Other Stats
Oxford, MS's 83 lenders originated 1,333
loans during 2024. The total origination value was $446,875,000, with an average loan value of
$335,240.
Oxford's average closing costs are $4,687.
The top Oxford lender as defined by loan originations is Regions Bank, with
49 loans originated. Their average total fees are
$5,353, which is $137
higher than the next largest lender,
BancorpSouth.
The lowest fee Oxford lenders (with over 10 loans originated) are
BankPlus ($5,185), BancorpSouth ($5,216), Renasant Bank ($5,315), Regions Bank ($5,353) and Bank of England ($5,739).
The lowest rate Oxford lenders (with over 10 loans originated) are
Trustmark National Bank (6.69%), QUICKEN LOANS, LLC (6.75%), BankPlus (6.79%), Regions Bank (6.86%) and BancorpSouth (6.92%).
Oxford, MS 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 |
|---|---|---|---|---|
| BankPlus | $52,485,000 | $63,545,000 | 21.1% | 14.2% |
| Guaranty Bank and Trust Company | $9,225,000 | $29,360,000 | 218.3% | 6.6% |
| Renasant Bank | $33,945,000 | $25,785,000 | -24.0% | 5.8% |
| Regions Bank | $36,290,000 | $25,190,000 | -30.6% | 5.6% |
| BancorpSouth | $24,950,000 | $24,860,000 | -0.4% | 5.6% |
| BankFirst Financial Services | $13,410,000 | $24,750,000 | 84.6% | 5.5% |
| First Commercial Bank | $32,320,000 | $24,330,000 | -24.7% | 5.4% |
| First Bank | $455,000 | $16,505,000 | 3,527.5% | 3.7% |
| Trustmark National Bank | $12,445,000 | $15,290,000 | 22.9% | 3.4% |
| QUICKEN LOANS, LLC | $10,895,000 | $13,715,000 | 25.9% | 3.1% |
| Paragon Bank | $3,910,000 | $9,620,000 | 146.0% | 2.2% |
| The Citizens Bank of Philadelphia, Mississippi | $1,650,000 | $8,695,000 | 427.0% | 1.9% |
| Bank of England | $5,070,000 | $7,640,000 | 50.7% | 1.7% |
| First Security Bank | $2,130,000 | $7,370,000 | 246.0% | 1.6% |
| UNITED WHOLESALE MORTGAGE, LLC | $1,510,000 | $5,340,000 | 253.6% | 1.2% |
| Mortgage Research Center, LLC | $4,810,000 | $4,530,000 | -5.8% | 1.0% |
| CBRE MULTIFAMILY CAPITAL, INC. | $4,455,000 | n/a | 1.0% | |
| Stifel Bank and Trust | $565,000 | $3,805,000 | 573.5% | 0.9% |
| Community Bank of Mississippi | $3,485,000 | $3,385,000 | -2.9% | 0.8% |
| BROKER SOLUTIONS, INC. | $1,065,000 | $3,345,000 | 214.1% | 0.7% |
| Flagstar Bank, FSB | $3,740,000 | $3,145,000 | -15.9% | 0.7% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | $1,295,000 | $3,055,000 | 135.9% | 0.7% |
| GMFS LLC | $500,000 | $3,030,000 | 506.0% | 0.7% |
| Planters Bank & Trust Company | $475,000 | $3,000,000 | 531.6% | 0.7% |
| Morgan Stanley Private Bank | $3,495,000 | $2,975,000 | -14.9% | 0.7% |
| MORTGAGE INVESTORS GROUP, INC. | $745,000 | $2,895,000 | 288.6% | 0.6% |
| The Bank of Holly Springs | $2,465,000 | $2,690,000 | 9.1% | 0.6% |
| Origin Bank | $4,485,000 | $2,470,000 | -44.9% | 0.6% |
| First Horizon Bank | $820,000 | $2,285,000 | 178.7% | 0.5% |
| NAVY FEDERAL CREDIT UNION | $2,725,000 | $2,205,000 | -19.1% | 0.5% |
| AmeriHome Mortgage Company, LLC | $2,120,000 | $2,140,000 | 0.9% | 0.5% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | $225,000 | $2,085,000 | 826.7% | 0.5% |
| Commerce Bank | $1,325,000 | $2,025,000 | 52.8% | 0.5% |
| 21ST MORTGAGE CORPORATION | $2,275,000 | $1,950,000 | -14.3% | 0.4% |
| Bank of America | $3,070,000 | $1,945,000 | -36.6% | 0.4% |
| Pinnacle Bank | $1,535,000 | $1,885,000 | 22.8% | 0.4% |
| PriorityOne Bank | $1,035,000 | $1,825,000 | 76.3% | 0.4% |
| U.S. Bank | $850,000 | $1,805,000 | 112.4% | 0.4% |
| PENNYMAC LOAN SERVICES, LLC | $1,520,000 | $1,690,000 | 11.2% | 0.4% |
| COMMUNITY MORTGAGE CORPORATION | $625,000 | $1,635,000 | 161.6% | 0.4% |
| JPMorgan Chase Bank | $1,095,000 | $1,590,000 | 45.2% | 0.4% |
| MOVEMENT MORTGAGE, LLC | $1,260,000 | $1,440,000 | 14.3% | 0.3% |
| LOANDEPOT.COM, LLC | $815,000 | $1,430,000 | 75.5% | 0.3% |
| The Citizens National Bank of Meridian | $995,000 | $1,425,000 | 43.2% | 0.3% |
| GUARANTEED RATE, INC. | $1,015,000 | $1,380,000 | 36.0% | 0.3% |
| FIRST COMMUNITY MORTGAGE, INC. | $1,375,000 | n/a | 0.3% | |
| CMG MORTGAGE, INC. | $510,000 | $1,330,000 | 160.8% | 0.3% |
| Raymond James Bank | $2,260,000 | $1,320,000 | -41.6% | 0.3% |
| UNION HOME MORTGAGE CORP. | $1,000,000 | $1,300,000 | 30.0% | 0.3% |
| CROSSCOUNTRY MORTGAGE, LLC | $2,390,000 | $1,270,000 | -46.9% | 0.3% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $945,000 | $1,245,000 | 31.7% | 0.3% |
| Southern Bancorp Bank | $2,435,000 | $1,235,000 | -49.3% | 0.3% |
| City National Bank | $325,000 | $1,165,000 | 258.5% | 0.3% |
| Simmons Bank | $1,315,000 | $1,160,000 | -11.8% | 0.3% |
| The First, A National Banking Association | $745,000 | $1,155,000 | 55.0% | 0.3% |
| USAA Federal Savings Bank | $885,000 | $1,090,000 | 23.2% | 0.2% |
| FREEDOM MORTGAGE CORPORATION | $480,000 | $1,070,000 | 122.9% | 0.2% |
| DEEPHAVEN MORTGAGE LLC | $1,005,000 | n/a | 0.2% | |
| CATAHOULA LASALLE BANK | $995,000 | n/a | 0.2% | |
| AMERICAN FINANCIAL NETWORK, INC. | $985,000 | n/a | 0.2% | |
| Focus Bank | $1,405,000 | $975,000 | -30.6% | 0.2% |
| Independent Bank | $2,565,000 | $910,000 | -64.5% | 0.2% |
| Commercial Bank & Trust Co. | $490,000 | $905,000 | 84.7% | 0.2% |
| EVANSVILLE TEACHERS | $145,000 | $895,000 | 517.2% | 0.2% |
| Charles Schwab Bank, SSB | $880,000 | n/a | 0.2% | |
| NEWREZ LLC | $525,000 | $815,000 | 55.2% | 0.2% |
| Ally Bank | $405,000 | $790,000 | 95.1% | 0.2% |
| Nations Lending Corporation | $295,000 | $775,000 | 162.7% | 0.2% |
| PHH Mortgage Corporation | $590,000 | $765,000 | 29.7% | 0.2% |
| Carrington Mortgage Services, LLC | $740,000 | n/a | 0.2% | |
| PURDUE FEDERAL CREDIT UNION | $385,000 | $740,000 | 92.2% | 0.2% |
| SOUTHWEST STAGE FUNDING, LLC | $245,000 | $740,000 | 202.0% | 0.2% |
| Truist | $710,000 | $730,000 | 2.8% | 0.2% |
| EUSTIS AND AMERICAN MORTGAGE COMPANY | $725,000 | n/a | 0.2% | |
| Flanagan State Bank | $325,000 | $725,000 | 123.1% | 0.2% |
| Orion Federal Credit Union | $385,000 | $720,000 | 87.0% | 0.2% |
| Patriot Bank | $270,000 | $720,000 | 166.7% | 0.2% |
| The Farmers & Merchants Bank | $265,000 | $715,000 | 169.8% | 0.2% |
| American Mortgage Bank, LLC | $660,000 | n/a | 0.1% | |
| M&T Bank | $265,000 | $660,000 | 149.1% | 0.1% |
| ACOPIA, LLC | $645,000 | n/a | 0.1% | |
| EVERETT FINANCIAL, INC. | $965,000 | $620,000 | -35.8% | 0.1% |
| Hancock Whitney Bank | $765,000 | $590,000 | -22.9% | 0.1% |
| Magnolia Bank | $745,000 | $590,000 | -20.8% | 0.1% |
| Performance Financial, Inc. | $590,000 | n/a | 0.1% | |
| PlainsCapital Bank | $585,000 | n/a | 0.1% | |
| TRIAD FINANCIAL SERVICES, INC. | $220,000 | $575,000 | 161.4% | 0.1% |
| GUIDANCE RESIDENTIAL, LLC | $295,000 | $565,000 | 91.5% | 0.1% |
| Independence Bank of Kentucky | $565,000 | n/a | 0.1% | |
| WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION | $555,000 | n/a | 0.1% | |
| Discover Bank | $790,000 | $550,000 | -30.4% | 0.1% |
| Farmers Bank and Trust Company | $545,000 | n/a | 0.1% | |
| STOCKTON MORTGAGE CORPORATION | $165,000 | $540,000 | 227.3% | 0.1% |
| The Bank of Herrin | $325,000 | $540,000 | 66.2% | 0.1% |
| Farmers Bank & Trust | $405,000 | $525,000 | 29.6% | 0.1% |
| UBS Bank USA | $1,985,000 | $505,000 | -74.6% | 0.1% |
| Fifth Third Bank | $490,000 | n/a | 0.1% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $300,000 | $485,000 | 61.7% | 0.1% |
| Brighton Bank | $245,000 | $485,000 | 98.0% | 0.1% |
| CHEVRON | $485,000 | n/a | 0.1% | |
| LAKEVIEW LOAN SERVICING, LLC | $425,000 | $480,000 | 12.9% | 0.1% |
| First Western Trust Bank | $475,000 | n/a | 0.1% | |
| State Bank of De Kalb | $385,000 | $475,000 | 23.4% | 0.1% |
| Wells Fargo Bank | $2,205,000 | $455,000 | -79.4% | 0.1% |
| RiverHills Bank | $605,000 | $440,000 | -27.3% | 0.1% |
| American Mortgage & Equity Consultants, Inc. | $435,000 | n/a | 0.1% | |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $435,000 | n/a | 0.1% | |
| GUILD MORTGAGE COMPANY | $435,000 | n/a | 0.1% | |
| Wood & Huston Bank | $435,000 | n/a | 0.1% | |
| CSL Financial, LLC | $85,000 | $430,000 | 405.9% | 0.1% |
| PNC Bank | $265,000 | $430,000 | 62.3% | 0.1% |
| First Citizens National Bank | $425,000 | n/a | 0.1% | |
| The Bank of Fayette County | $770,000 | $425,000 | -44.8% | 0.1% |
| Dieterich Bank | $415,000 | n/a | 0.1% | |
| NEW DAY FINANCIAL, LLC | $415,000 | n/a | 0.1% | |
| OPEN MORTGAGE, LLC | $415,000 | n/a | 0.1% | |
| Warren-Boynton State Bank | $415,000 | n/a | 0.1% | |
| Bank of St. Francisville | $405,000 | n/a | 0.1% | |
| Bank of Zachary | $405,000 | n/a | 0.1% | |
| FLAT BRANCH MORTGAGE, INC. | $275,000 | $405,000 | 47.3% | 0.1% |
| NBKC BANK | $405,000 | n/a | 0.1% | |
| Robertson Banking Company | $405,000 | n/a | 0.1% | |
| SWBC MORTGAGE CORPORATION | $405,000 | n/a | 0.1% | |
| Citadel Servicing Corporation | $395,000 | n/a | 0.1% | |
| Figure Lending LLC | $125,000 | $395,000 | 216.0% | 0.1% |
| LEADERONE FINANCIAL CORPORATION | $385,000 | n/a | 0.1% | |
| Memphis City Employees Credit Union | $365,000 | n/a | 0.1% | |
| The Huntington National Bank | $285,000 | $365,000 | 28.1% | 0.1% |
| Wilson Bank And Trust | $165,000 | $365,000 | 121.2% | 0.1% |
| ASCEND FEDERAL CREDIT UNION | $355,000 | n/a | 0.1% | |
| Magnolia State Bank | $715,000 | $355,000 | -50.3% | 0.1% |
| MidFirst Bank | $355,000 | n/a | 0.1% | |
| Volunteer State Bank | $355,000 | n/a | 0.1% | |
| Carrollton Bank | $345,000 | n/a | 0.1% | |
| First Merchants Bank | $345,000 | n/a | 0.1% | |
| Troy Bank and Trust Company | $345,000 | n/a | 0.1% | |
| North American Savings Bank, F.S.B. | $245,000 | $335,000 | 36.7% | 0.1% |
| QUORUM FEDERAL CREDIT UNION | $335,000 | n/a | 0.1% | |
| UMB Bank | $555,000 | $335,000 | -39.6% | 0.1% |
| Armed Forces Bank | $215,000 | $325,000 | 51.2% | 0.1% |
| EMBRACE HOME LOANS, INC. | $325,000 | n/a | 0.1% | |
| PENTAGON FEDERAL CREDIT UNION | $350,000 | $325,000 | -7.1% | 0.1% |
| Southwest Airlines Federal Credit Union | $585,000 | $325,000 | -44.4% | 0.1% |
| ARC HOME LLC | $315,000 | n/a | 0.1% | |
| BMO Harris Bank | $315,000 | n/a | 0.1% | |
| Community First National Bank | $305,000 | n/a | 0.1% | |
| Relyance Bank | $305,000 | n/a | 0.1% | |
| RUOFF MORTGAGE COMPANY, INC. | $305,000 | n/a | 0.1% | |
| ROYAL UNITED MORTGAGE LLC | $300,000 | n/a | 0.1% | |
| AMERISAVE MORTGAGE CORPORATION | $1,270,000 | $290,000 | -77.2% | 0.1% |
| Bank of Bartlett | $185,000 | $285,000 | 54.1% | 0.1% |
| BOKF | $285,000 | n/a | 0.1% | |
| First Bank | $455,000 | $285,000 | -37.4% | 0.1% |
| Planters Bank, Inc. | $285,000 | n/a | 0.1% | |
| Mr. Cooper ( Nationstar Mortgage ) | $990,000 | $275,000 | -72.2% | 0.1% |
| Eagle Bank and Trust Company | $270,000 | n/a | 0.1% | |
| The Federal Savings Bank | $265,000 | n/a | 0.1% | |
| Triad Bank | $265,000 | n/a | 0.1% | |
| FIRST STATE MORTGAGE SERVICES, LLC | $255,000 | n/a | 0.1% | |
| CONSUMER Credit Union | $245,000 | n/a | 0.1% | |
| Sunflower Bank | $245,000 | n/a | 0.1% | |
| SouthEast Bank | $235,000 | n/a | 0.1% | |
| CARDINAL FINANCIAL | $975,000 | $225,000 | -76.9% | 0.1% |
| MORTGAGE FINANCIAL SERVICES, LLC | $225,000 | n/a | 0.1% | |
| The Citizens Bank of Edmond | $225,000 | n/a | 0.1% | |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $215,000 | n/a | 0.0% | |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $825,000 | $215,000 | -73.9% | 0.0% |
| Municipal Trust and Savings Bank | $205,000 | n/a | 0.0% | |
| The Central Trust Bank | $555,000 | $205,000 | -63.1% | 0.0% |
| VILLAGE CAPITAL MORTGAGE | $175,000 | $205,000 | 17.1% | 0.0% |
| C & F Mortgage Corporation | $185,000 | n/a | 0.0% | |
| LENDSURE MORTGAGE CORP. | $185,000 | n/a | 0.0% | |
| FEDCHOICE Federal Credit Union | $165,000 | n/a | 0.0% | |
| First National Bank of Picayune | $155,000 | n/a | 0.0% | |
| MUTUAL OF OMAHA MORTGAGE, INC. | $180,000 | $145,000 | -19.4% | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | $115,000 | n/a | 0.0% | |
| FirstBank | $150,000 | $90,000 | -40.0% | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | $355,000 | $85,000 | -76.1% | 0.0% |
| SPRING EQ, LLC | $55,000 | $80,000 | 45.5% | 0.0% |
| Coastal Community Bank | $65,000 | n/a | 0.0% |
Oxford's top lender by overall market share is BankPlus, with 14.2% market share. In second place, with 6.6%, is Guaranty Bank and Trust Company, having originated $29,360,000 in loans. In third place, with 5.8%, is Renasant Bank, having originated $25,785,000 in loans. In fourth place, with 5.6%, is Regions Bank, having originated $25,190,000 in loans. In fifth place, with 5.6%, is BancorpSouth, having originated $24,860,000 in loans.
Oxford Housing Market Trends (Median, Average Prices & Listing Count)
Realtor.com - Oxford (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 | $298,250 (7.1%) | $349,534 (-2.9%) | 0.00 | 429 |
| 2018-02-01 | $300,000 (4.9%) | $352,253 (-1.3%) | 0.00 | 439 |
| 2018-03-01 | $315,000 (6.1%) | $364,963 (-0.1%) | 0.00 | 444 |
| 2018-04-01 | $316,000 (5.4%) | $365,997 (0.2%) | 0.00 | 468 |
| 2018-05-01 | $300,000 (-4.8%) | $355,333 (-7.0%) | 0.00 | 491 |
| 2018-06-01 | $298,000 (-5.4%) | $350,446 (-7.8%) | 0.00 | 502 |
| 2018-07-01 | $286,950 (-10.1%) | $344,989 (-6.9%) | 0.00 | 512 |
| 2018-08-01 | $265,450 (-11.4%) | $334,965 (-6.2%) | 0.00 | 527 |
| 2018-09-01 | $249,000 (-20.3%) | $323,656 (-9.6%) | 0.00 | 561 |
| 2018-10-01 | $245,000 (-18.5%) | $318,277 (-9.4%) | 0.00 | 554 |
| 2018-11-01 | $245,400 (-17.9%) | $315,572 (-8.4%) | 0.00 | 531 |
| 2018-12-01 | $244,950 (-14.9%) | $316,155 (-5.3%) | 0.00 | 527 |
| 2019-01-01 | $239,950 (-19.6%) | $315,441 (-9.8%) | 0.00 | 503 |
| 2019-02-01 | $239,900 (-20.0%) | $317,637 (-9.8%) | 0.00 | 556 |
| 2019-03-01 | $246,286 (-21.8%) | $322,370 (-11.7%) | 0.00 | 578 |
| 2019-04-01 | $249,536 (-21.0%) | $324,818 (-11.3%) | 0.00 | 600 |
| 2019-05-01 | $256,975 (-14.3%) | $338,031 (-4.9%) | 0.00 | 609 |
| 2019-06-01 | $258,200 (-13.4%) | $349,645 (-0.2%) | 0.00 | 622 |
| 2019-07-01 | $267,250 (-6.9%) | $361,120 (4.7%) | 0.00 | 631 |
| 2019-08-01 | $267,791 (0.9%) | $366,247 (9.3%) | 0.00 | 592 |
| 2019-09-01 | $271,227 (8.9%) | $373,845 (15.5%) | 0.00 | 538 |
| 2019-10-01 | $274,400 (12.0%) | $376,025 (18.1%) | 0.00 | 505 |
| 2019-11-01 | $265,000 (8.0%) | $373,860 (18.5%) | 0.00 | 490 |
| 2019-12-01 | $249,450 (1.8%) | $358,966 (13.5%) | 0.00 | 441 |
| 2020-01-01 | $247,225 (3.0%) | $365,152 (15.8%) | 0.00 | 415 |
| 2020-02-01 | $249,900 (4.2%) | $367,692 (15.8%) | 0.00 | 464 |
| 2020-03-01 | $245,250 (-0.4%) | $358,911 (11.3%) | 0.00 | 478 |
| 2020-04-01 | $248,625 (-0.4%) | $356,588 (9.8%) | 0.00 | 481 |
| 2020-05-01 | $249,900 (-2.8%) | $365,182 (8.0%) | 0.00 | 490 |
| 2020-06-01 | $239,950 (-7.1%) | $354,875 (1.5%) | 0.00 | 516 |
| 2020-07-01 | $246,875 (-7.6%) | $372,571 (3.2%) | 0.00 | 503 |
| 2020-08-01 | $255,000 (-4.8%) | $373,206 (1.9%) | 0.00 | 516 |
| 2020-09-01 | $262,450 (-3.2%) | $371,389 (-0.7%) | 0.00 | 508 |
| 2020-10-01 | $265,500 (-3.2%) | $390,766 (3.9%) | 0.00 | 500 |
| 2020-11-01 | $262,725 (-0.9%) | $399,431 (6.8%) | 0.00 | 468 |
| 2020-12-01 | $254,675 (2.1%) | $373,613 (4.1%) | 0.00 | 460 |
| 2021-01-01 | $255,450 (3.3%) | $372,122 (1.9%) | 0.00 | 427 |
| 2021-02-01 | $274,475 (9.8%) | $402,640 (9.5%) | 0.00 | 391 |
| 2021-03-01 | $288,475 (17.6%) | $412,117 (14.8%) | 0.00 | 366 |
| 2021-04-01 | $337,975 (35.9%) | $455,875 (27.8%) | 0.00 | 335 |
| 2021-05-01 | $374,950 (50.0%) | $507,837 (39.1%) | 0.00 | 244 |
| 2021-06-01 | $382,000 (59.2%) | $513,781 (44.8%) | 0.00 | 245 |
| 2021-07-01 | $425,000 (72.2%) | $539,541 (44.8%) | 0.00 | 228 |
| 2021-08-01 | $402,475 (57.8%) | $531,272 (42.4%) | 0.00 | 220 |
| 2021-09-01 | $396,500 (51.1%) | $540,234 (45.5%) | 0.00 | 218 |
| 2021-10-01 | $377,000 (42.0%) | $538,481 (37.8%) | 0.00 | 193 |
| 2021-11-01 | $379,250 (44.4%) | $546,097 (36.7%) | 0.00 | 174 |
| 2021-12-01 | $386,975 (52.0%) | $553,020 (48.0%) | 0.00 | 144 |
| 2022-01-01 | $392,493 (53.7%) | $549,417 (47.6%) | 0.00 | 125 |
| 2022-02-01 | $461,200 (68.0%) | $619,752 (53.9%) | 0.00 | 94 |
| 2022-03-01 | $432,450 (49.9%) | $590,362 (43.3%) | 0.00 | 110 |
| 2022-04-01 | $487,000 (44.1%) | $611,358 (34.1%) | 0.00 | 108 |
| 2022-05-01 | $414,975 (10.7%) | $560,927 (10.5%) | 0.00 | 126 |
| 2022-06-01 | $388,875 (1.8%) | $539,692 (5.0%) | 0.00 | 150 |
| 2022-07-01 | $382,500 (-10.0%) | $525,040 (-2.7%) | 0.00 | 183 |
| 2022-08-01 | $399,958 (-0.6%) | $526,897 (-0.8%) | 0.00 | 174 |
| 2022-09-01 | $396,250 (-0.1%) | $535,806 (-0.8%) | 0.00 | 166 |
| 2022-10-01 | $425,000 (12.7%) | $534,543 (-0.7%) | 0.00 | 171 |
| 2022-11-01 | $475,000 (25.3%) | $552,685 (1.2%) | 0.00 | 159 |
| 2022-12-01 | $480,000 (24.0%) | $559,310 (1.1%) | 0.00 | 130 |
| 2023-01-01 | $462,263 (17.8%) | $538,986 (-1.9%) | 0.00 | 140 |
| 2023-02-01 | $462,000 (0.2%) | $549,352 (-11.4%) | 0.00 | 135 |
| 2023-03-01 | $438,250 (1.3%) | $525,192 (-11.0%) | 0.00 | 138 |
| 2023-04-01 | $447,000 (-8.2%) | $531,929 (-13.0%) | 0.00 | 145 |
| 2023-05-01 | $433,225 (4.4%) | $540,879 (-3.6%) | 0.00 | 138 |
| 2023-06-01 | $437,093 (12.4%) | $540,875 (0.2%) | 0.00 | 143 |
| 2023-07-01 | $445,000 (16.3%) | $564,442 (7.5%) | 0.00 | 143 |
| 2023-08-01 | $449,950 (12.5%) | $559,961 (6.3%) | 0.00 | 164 |
| 2023-09-01 | $484,000 (22.2%) | $591,373 (10.4%) | 0.00 | 175 |
| 2023-10-01 | $485,425 (14.2%) | $580,305 (8.6%) | 0.00 | 167 |
| 2023-11-01 | $493,331 (3.9%) | $593,810 (7.4%) | 0.00 | 168 |
| 2023-12-01 | $489,900 (2.1%) | $606,693 (8.5%) | 0.00 | 164 |
| 2024-01-01 | $440,205 (-4.8%) | $592,703 (10.0%) | 0.00 | 190 |
| 2024-02-01 | $452,475 (-2.1%) | $602,310 (9.6%) | 0.00 | 179 |
| 2024-03-01 | $487,250 (11.2%) | $620,101 (18.1%) | 0.00 | 167 |
| 2024-04-01 | $526,985 (17.9%) | $650,568 (22.3%) | 0.00 | 173 |
| 2024-05-01 | $510,125 (17.8%) | $684,292 (26.5%) | 0.00 | 197 |
| 2024-06-01 | $514,900 (17.8%) | $683,570 (26.4%) | 0.00 | 220 |
| 2024-07-01 | $545,900 (22.7%) | $700,162 (24.1%) | 0.00 | 246 |
| 2024-08-01 | $525,000 (16.7%) | $679,187 (21.3%) | 0.00 | 245 |
| 2024-09-01 | $487,425 (0.7%) | $661,681 (11.9%) | 0.00 | 241 |
| 2024-10-01 | $502,600 (3.5%) | $673,435 (16.1%) | 0.00 | 247 |
| 2024-11-01 | $480,000 (-2.7%) | $633,170 (6.6%) | 0.00 | 257 |
| 2024-12-01 | $489,963 (0.0%) | $615,127 (1.4%) | 0.00 | 229 |
| 2025-01-01 | $488,038 (10.9%) | $609,331 (2.8%) | 0.00 | 223 |
| 2025-02-01 | $522,250 (15.4%) | $632,357 (5.0%) | 0.00 | 228 |
| 2025-03-01 | $554,500 (13.8%) | $647,659 (4.4%) | 0.00 | 245 |
| 2025-04-01 | $535,725 (1.7%) | $654,308 (0.6%) | 0.00 | 265 |
Oxford's median listing price for 2025-04-01 was $535,725, a difference of
$8,740
(1.7%) versus the prior year and
$-18,775 versus the prior month.
Oxford's median listing price comes in at 0% of the national average.
Oxford's average listing price for 2025-04-01 was $654,308, a difference of $3,740 (0.6%) versus the prior year and $6,649 versus the prior month.
For the 2025-04-01 period, Oxford had 265 MLS listings, a difference of 20 listings (8%) versus the prior month and 92 listings (53%) versus the prior year.
Oxford's median listing price comes in at 0% of the national average.
Oxford's average listing price for 2025-04-01 was $654,308, a difference of $3,740 (0.6%) versus the prior year and $6,649 versus the prior month.
For the 2025-04-01 period, Oxford had 265 MLS listings, a difference of 20 listings (8%) versus the prior month and 92 listings (53%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Oxford (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 0 days | 1,899 sqft |
| 2018-02-01 | 0 days | 1,991 sqft |
| 2018-03-01 | 0 days | 2,052 sqft |
| 2018-04-01 | 0 days | 2,046 sqft |
| 2018-05-01 | 0 days | 2,050 sqft |
| 2018-06-01 | 0 days | 1,996 sqft |
| 2018-07-01 | 0 days | 1,994 sqft |
| 2018-08-01 | 0 days | 1,915 sqft |
| 2018-09-01 | 0 days | 1,850 sqft |
| 2018-10-01 | 0 days | 1,841 sqft |
| 2018-11-01 | 0 days | 1,816 sqft |
| 2018-12-01 | 0 days | 1,808 sqft |
| 2019-01-01 | 0 days | 1,796 sqft |
| 2019-02-01 | 0 days | 1,796 sqft |
| 2019-03-01 | 0 days | 1,818 sqft |
| 2019-04-01 | 0 days | 1,832 sqft |
| 2019-05-01 | 0 days | 1,846 sqft |
| 2019-06-01 | 0 days | 1,857 sqft |
| 2019-07-01 | 0 days | 1,862 sqft |
| 2019-08-01 | 0 days | 1,864 sqft |
| 2019-09-01 | 0 days | 1,864 sqft |
| 2019-10-01 | 0 days | 1,866 sqft |
| 2019-11-01 | 0 days | 1,864 sqft |
| 2019-12-01 | 0 days | 1,833 sqft |
| 2020-01-01 | 0 days | 1,842 sqft |
| 2020-02-01 | 0 days | 1,823 sqft |
| 2020-03-01 | 0 days | 1,807 sqft |
| 2020-04-01 | 0 days | 1,817 sqft |
| 2020-05-01 | 0 days | 1,807 sqft |
| 2020-06-01 | 0 days | 1,773 sqft |
| 2020-07-01 | 0 days | 1,800 sqft |
| 2020-08-01 | 0 days | 1,849 sqft |
| 2020-09-01 | 0 days | 1,860 sqft |
| 2020-10-01 | 0 days | 1,858 sqft |
| 2020-11-01 | 0 days | 1,839 sqft |
| 2020-12-01 | 0 days | 1,820 sqft |
| 2021-01-01 | 0 days | 1,859 sqft |
| 2021-02-01 | 0 days | 1,862 sqft |
| 2021-03-01 | 0 days | 1,866 sqft |
| 2021-04-01 | 0 days | 2,022 sqft |
| 2021-05-01 | 0 days | 2,089 sqft |
| 2021-06-01 | 0 days | 2,110 sqft |
| 2021-07-01 | 0 days | 2,195 sqft |
| 2021-08-01 | 0 days | 2,148 sqft |
| 2021-09-01 | 0 days | 2,057 sqft |
| 2021-10-01 | 0 days | 2,049 sqft |
| 2021-11-01 | 0 days | 2,041 sqft |
| 2021-12-01 | 0 days | 2,037 sqft |
| 2022-01-01 | 0 days | 2,009 sqft |
| 2022-02-01 | 0 days | 2,104 sqft |
| 2022-03-01 | 0 days | 2,049 sqft |
| 2022-04-01 | 0 days | 2,260 sqft |
| 2022-05-01 | 0 days | 2,086 sqft |
| 2022-06-01 | 0 days | 2,046 sqft |
| 2022-07-01 | 0 days | 2,009 sqft |
| 2022-08-01 | 0 days | 2,025 sqft |
| 2022-09-01 | 0 days | 2,062 sqft |
| 2022-10-01 | 0 days | 2,054 sqft |
| 2022-11-01 | 0 days | 2,193 sqft |
| 2022-12-01 | 0 days | 2,284 sqft |
| 2023-01-01 | 0 days | 2,094 sqft |
| 2023-02-01 | 0 days | 2,004 sqft |
| 2023-03-01 | 0 days | 1,905 sqft |
| 2023-04-01 | 0 days | 1,925 sqft |
| 2023-05-01 | 0 days | 1,942 sqft |
| 2023-06-01 | 0 days | 2,100 sqft |
| 2023-07-01 | 0 days | 2,100 sqft |
| 2023-08-01 | 0 days | 2,115 sqft |
| 2023-09-01 | 0 days | 2,176 sqft |
| 2023-10-01 | 0 days | 2,155 sqft |
| 2023-11-01 | 0 days | 2,179 sqft |
| 2023-12-01 | 0 days | 2,125 sqft |
| 2024-01-01 | 0 days | 1,970 sqft |
| 2024-02-01 | 0 days | 1,975 sqft |
| 2024-03-01 | 0 days | 2,048 sqft |
| 2024-04-01 | 0 days | 2,135 sqft |
| 2024-05-01 | 0 days | 2,155 sqft |
| 2024-06-01 | 0 days | 2,067 sqft |
| 2024-07-01 | 0 days | 2,200 sqft |
| 2024-08-01 | 0 days | 2,204 sqft |
| 2024-09-01 | 0 days | 2,130 sqft |
| 2024-10-01 | 0 days | 2,099 sqft |
| 2024-11-01 | 0 days | 1,953 sqft |
| 2024-12-01 | 0 days | 1,914 sqft |
| 2025-01-01 | 0 days | 1,919 sqft |
| 2025-02-01 | 0 days | 1,973 sqft |
| 2025-03-01 | 0 days | 1,995 sqft |
| 2025-04-01 | 0 days | 1,970 sqft |
Oxford's median listing age (time on market) for 2025-04-01 was 0 days.
Oxford's median square footage for active listings during the 2025-04-01 period was 1,970 sqft. One year prior, the average listing was 2,135 sqft.
Oxford's median square footage for active listings during the 2025-04-01 period was 1,970 sqft. One year prior, the average listing was 2,135 sqft.
Oxford, MS Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 862 | $362,130,000 | $420,104 |
| Refi | 186 | $41,360,000 | $222,366 |
| Cash Out Refi | 111 | $23,945,000 | $215,721 |
| Other | 110 | $12,410,000 | $112,818 |
| Home Improvement | 64 | $7,030,000 | $109,844 |
Oxford's most frequently cited loan purpose was Home Purchase, with 862 originations. The 2nd most popular reason was Refi, with 186 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 385 | $129,725,000 | $336,948 |
| 7-8% | 343 | $129,015,000 | $376,137 |
| Over 8% | 326 | $50,650,000 | $155,368 |
| 5-6% | 93 | $36,705,000 | $394,677 |
| 4-5% | 30 | $5,170,000 | $172,333 |
| <2.5% | 5 | $725,000 | $145,000 |
| 2.5-3% | 1 | $185,000 | $185,000 |
During 2024, Oxford's most frequently originated rate bucket was 6-7%, with 385 originations.
Loan Sizing (Oxford, MS MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 570 | $163,320,000 | $286,526 |
| $100k-200k | 255 | $38,355,000 | $150,412 |
| $100,000 or less | 226 | $12,420,000 | $54,956 |
| $400k-600k | 189 | $90,215,000 | $477,328 |
| $600k-1000k | 64 | $46,990,000 | $734,219 |
| $Over $1MM | 29 | $95,575,000 | $3,295,690 |
Oxford's loan sizing saw the bucket of loans from $200k-400k with 570 originations, totaling $163,320,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 370 | $133,840,000 | $361,730 |
| 60-80% | 333 | $120,445,000 | $361,697 |
| Under 20% | 167 | $11,245,000 | $67,335 |
| 20-40% | 160 | $42,880,000 | $268,000 |
| 40-60% | 135 | $38,755,000 | $287,074 |
| Over 100% | 8 | $3,320,000 | $415,000 |
Oxford's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 370 originations, totaling $133,840,000 in origination value.