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
6.49%
for the week of 2025-03-13, compared to the national average of
6.65% for the same period.
The average rate for the prior week (2025-03-06) was
6.77% and
one month ago for the week of 2025-02-06, the
average rate was 6.83%.
Oxford's average rate one year ago was 6.82%.
For refis of the same type during the week of 2025-03-13, the average rate
was 6.75%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-03-13 | 6.65% |
| Oxford 30 Year Fixed Rate | 2025-03-13 | 6.49% |
| Oxford 30 Year Fixed Rate Refi | 2025-03-13 | 6.75% |
| Oxford 15 Year Fixed Rate | 2025-03-13 | 5.8% |
| Oxford 15 Year Fixed Rate Refi | 2025-03-13 | 5.9% |
| Oxford 30 Year FHA | 2025-03-13 | 6.45% |
| Oxford 30 Year FHA Refi | 2025-03-13 | 6.65% |
| Oxford 30 Year USDA | 2025-03-13 | 6.4% |
| Oxford 30 Year USDA Refi | 2025-03-13 | 6.6% |
| Oxford 30 Year VA | 2025-03-13 | 5.97% |
| Oxford 30 Year VA Refi | 2025-03-13 | 6.17% |
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 92 lenders originated 1,215
loans during 2023. The total origination value was $375,295,000, with an average loan value of
$308,885.
Oxford's average closing costs are $4,489.
The top Oxford lender as defined by loan originations is Regions Bank, with
74 loans originated. Their average total fees are
$4,966, which is $1,234
lower than the next largest lender,
Renasant Bank.
The lowest fee Oxford lenders (with over 10 loans originated) are
Origin Bank ($3,608), BankPlus ($4,948), Regions Bank ($4,966), BancorpSouth ($5,108) and Trustmark National Bank ($5,416).
The lowest rate Oxford lenders (with over 10 loans originated) are
Regions Bank (6.50%), Renasant Bank (6.59%), QUICKEN LOANS, LLC (6.69%), BancorpSouth (6.70%) and BankPlus (6.71%).
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 | 2022 Loan Value | 2023 Loan Value | % Change | 2023 Market Share |
|---|---|---|---|---|
| BankPlus | $38,150,000 | $52,485,000 | 37.6% | 14.0% |
| Regions Bank | $33,660,000 | $36,290,000 | 7.8% | 9.7% |
| Renasant Bank | $46,025,000 | $33,945,000 | -26.2% | 9.0% |
| First Commercial Bank | $23,360,000 | $32,320,000 | 38.4% | 8.6% |
| BancorpSouth | $29,590,000 | $24,950,000 | -15.7% | 6.6% |
| WALKER & DUNLOP, LLC | $14,625,000 | n/a | 3.9% | |
| BankFirst Financial Services | $8,850,000 | $13,410,000 | 51.5% | 3.6% |
| Trustmark National Bank | $52,010,000 | $12,445,000 | -76.1% | 3.3% |
| QUICKEN LOANS, LLC | $13,380,000 | $10,895,000 | -18.6% | 2.9% |
| Guaranty Bank and Trust Company | $9,165,000 | $9,225,000 | 0.7% | 2.5% |
| Bank of England | $8,085,000 | $5,070,000 | -37.3% | 1.4% |
| Mortgage Research Center, LLC | $2,290,000 | $4,810,000 | 110.0% | 1.3% |
| Origin Bank | $6,795,000 | $4,485,000 | -34.0% | 1.2% |
| Paragon Bank | $3,975,000 | $3,910,000 | -1.6% | 1.0% |
| Flagstar Bank, FSB | $7,035,000 | $3,740,000 | -46.8% | 1.0% |
| Morgan Stanley Private Bank | $1,070,000 | $3,495,000 | 226.6% | 0.9% |
| Community Bank of Mississippi | $5,100,000 | $3,485,000 | -31.7% | 0.9% |
| Bank of America | $3,330,000 | $3,070,000 | -7.8% | 0.8% |
| NAVY FEDERAL CREDIT UNION | $1,410,000 | $2,725,000 | 93.3% | 0.7% |
| Independent Bank | $315,000 | $2,565,000 | 714.3% | 0.7% |
| The Bank of Holly Springs | $3,780,000 | $2,465,000 | -34.8% | 0.7% |
| Southern Bancorp Bank | $2,435,000 | n/a | 0.6% | |
| CROSSCOUNTRY MORTGAGE, LLC | $245,000 | $2,390,000 | 875.5% | 0.6% |
| 21ST MORTGAGE CORPORATION | $1,645,000 | $2,275,000 | 38.3% | 0.6% |
| Raymond James Bank | $2,535,000 | $2,260,000 | -10.8% | 0.6% |
| Wells Fargo Bank | $3,685,000 | $2,205,000 | -40.2% | 0.6% |
| First Security Bank | $175,000 | $2,130,000 | 1,117.1% | 0.6% |
| AmeriHome Mortgage Company, LLC | $2,460,000 | $2,120,000 | -13.8% | 0.6% |
| UBS Bank USA | $1,150,000 | $1,985,000 | 72.6% | 0.5% |
| The Citizens Bank of Philadelphia, Mississippi | $360,000 | $1,650,000 | 358.3% | 0.4% |
| Pinnacle Bank | $1,785,000 | $1,535,000 | -14.0% | 0.4% |
| PENNYMAC LOAN SERVICES, LLC | $625,000 | $1,520,000 | 143.2% | 0.4% |
| UNITED WHOLESALE MORTGAGE, LLC | $1,630,000 | $1,510,000 | -7.4% | 0.4% |
| Evolve Bank & Trust | $280,000 | $1,495,000 | 433.9% | 0.4% |
| Focus Bank | $755,000 | $1,405,000 | 86.1% | 0.4% |
| Commerce Bank | $1,325,000 | n/a | 0.4% | |
| Simmons Bank | $1,360,000 | $1,315,000 | -3.3% | 0.4% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | $2,430,000 | $1,295,000 | -46.7% | 0.3% |
| AMERISAVE MORTGAGE CORPORATION | $1,945,000 | $1,270,000 | -34.7% | 0.3% |
| MOVEMENT MORTGAGE, LLC | $4,640,000 | $1,260,000 | -72.8% | 0.3% |
| FIRST SOUTH FINANCIAL | $1,115,000 | n/a | 0.3% | |
| JPMorgan Chase Bank | $825,000 | $1,095,000 | 32.7% | 0.3% |
| United Southern Bank | $1,075,000 | n/a | 0.3% | |
| BROKER SOLUTIONS, INC. | $1,310,000 | $1,065,000 | -18.7% | 0.3% |
| PriorityOne Bank | $1,425,000 | $1,035,000 | -27.4% | 0.3% |
| GUARANTEED RATE, INC. | $605,000 | $1,015,000 | 67.8% | 0.3% |
| UNION HOME MORTGAGE CORP. | $1,000,000 | n/a | 0.3% | |
| The Citizens National Bank of Meridian | $990,000 | $995,000 | 0.5% | 0.3% |
| Mr. Cooper ( Nationstar Mortgage ) | $235,000 | $990,000 | 321.3% | 0.3% |
| CARDINAL FINANCIAL | $875,000 | $975,000 | 11.4% | 0.3% |
| EVERETT FINANCIAL, INC. | $2,550,000 | $965,000 | -62.2% | 0.3% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $2,600,000 | $945,000 | -63.7% | 0.3% |
| Financial Federal Bank | $840,000 | $945,000 | 12.5% | 0.3% |
| USAA Federal Savings Bank | $1,895,000 | $885,000 | -53.3% | 0.2% |
| U.S. Bank | $660,000 | $850,000 | 28.8% | 0.2% |
| Great Southern Bank | $65,000 | $830,000 | 1,176.9% | 0.2% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $295,000 | $825,000 | 179.7% | 0.2% |
| First Horizon Bank | $3,175,000 | $820,000 | -74.2% | 0.2% |
| LOANDEPOT.COM, LLC | $2,890,000 | $815,000 | -71.8% | 0.2% |
| Discover Bank | $770,000 | $790,000 | 2.6% | 0.2% |
| Prosperity Home Mortgage, LLC | $785,000 | n/a | 0.2% | |
| The Bank of Fayette County | $940,000 | $770,000 | -18.1% | 0.2% |
| Hancock Whitney Bank | $680,000 | $765,000 | 12.5% | 0.2% |
| Magnolia Bank | $1,050,000 | $745,000 | -29.0% | 0.2% |
| MORTGAGE INVESTORS GROUP, INC. | $185,000 | $745,000 | 302.7% | 0.2% |
| The First, A National Banking Association | $745,000 | n/a | 0.2% | |
| BETTER MORTGAGE CORPORATION | $840,000 | $725,000 | -13.7% | 0.2% |
| Magnolia State Bank | $205,000 | $715,000 | 248.8% | 0.2% |
| Truist | $875,000 | $710,000 | -18.9% | 0.2% |
| CapStar Bank | $645,000 | $685,000 | 6.2% | 0.2% |
| FIVEPOINT CREDIT UNION | $685,000 | n/a | 0.2% | |
| Citizens Bank | $2,840,000 | $625,000 | -78.0% | 0.2% |
| COMMUNITY MORTGAGE CORPORATION | $17,575,000 | $625,000 | -96.4% | 0.2% |
| RiverHills Bank | $605,000 | n/a | 0.2% | |
| First National Bank of Eastern Arkansas | $300,000 | $600,000 | 100.0% | 0.2% |
| PHH Mortgage Corporation | $360,000 | $590,000 | 63.9% | 0.2% |
| Southwest Airlines Federal Credit Union | $335,000 | $585,000 | 74.6% | 0.2% |
| Stifel Bank and Trust | $135,000 | $565,000 | 318.5% | 0.2% |
| The Central Trust Bank | $475,000 | $555,000 | 16.8% | 0.1% |
| UMB Bank | $555,000 | n/a | 0.1% | |
| NEWREZ LLC | $375,000 | $525,000 | 40.0% | 0.1% |
| CMG MORTGAGE, INC. | $175,000 | $510,000 | 191.4% | 0.1% |
| Peoples Bank | $575,000 | $505,000 | -12.2% | 0.1% |
| GMFS LLC | $615,000 | $500,000 | -18.7% | 0.1% |
| Citizens Bank | $2,840,000 | $490,000 | -82.7% | 0.1% |
| Commercial Bank & Trust Co. | $490,000 | n/a | 0.1% | |
| FREEDOM MORTGAGE CORPORATION | $2,270,000 | $480,000 | -78.9% | 0.1% |
| Goldman Sachs Bank USA | $475,000 | n/a | 0.1% | |
| Planters Bank & Trust Company | $1,990,000 | $475,000 | -76.1% | 0.1% |
| First Bank | $125,000 | $455,000 | 264.0% | 0.1% |
| Colony Bank | $435,000 | n/a | 0.1% | |
| Neighborhood Loans, Inc. | $435,000 | n/a | 0.1% | |
| LAKEVIEW LOAN SERVICING, LLC | $165,000 | $425,000 | 157.6% | 0.1% |
| Merchants & Planters Bank | $425,000 | n/a | 0.1% | |
| Ally Bank | $1,100,000 | $405,000 | -63.2% | 0.1% |
| Farmers Bank & Trust | $405,000 | n/a | 0.1% | |
| TENNESSEE VALLEY | $395,000 | n/a | 0.1% | |
| Orion Federal Credit Union | $255,000 | $385,000 | 51.0% | 0.1% |
| PURDUE FEDERAL CREDIT UNION | $385,000 | n/a | 0.1% | |
| State Bank of De Kalb | $385,000 | n/a | 0.1% | |
| Ixonia Bank | $205,000 | $375,000 | 82.9% | 0.1% |
| Edmonton State Bank | $365,000 | n/a | 0.1% | |
| American State Bank | $355,000 | n/a | 0.1% | |
| Bell Bank | $355,000 | n/a | 0.1% | |
| RELIANCE FIRST CAPITAL, LLC | $510,000 | $355,000 | -30.4% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $155,000 | $350,000 | 125.8% | 0.1% |
| TJC Mortgage, Inc. | $345,000 | n/a | 0.1% | |
| First Southern Bank | $335,000 | n/a | 0.1% | |
| Wyndham Capital Mortgage, Inc. | $700,000 | $335,000 | -52.1% | 0.1% |
| City National Bank | $325,000 | n/a | 0.1% | |
| Flanagan State Bank | $325,000 | n/a | 0.1% | |
| The Bank of Herrin | $325,000 | n/a | 0.1% | |
| CANOPY MORTGAGE, LLC | $315,000 | n/a | 0.1% | |
| REDSTONE Federal Credit Union | $1,555,000 | $315,000 | -79.7% | 0.1% |
| Century Next Bank | $305,000 | n/a | 0.1% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $300,000 | n/a | 0.1% | |
| GUIDANCE RESIDENTIAL, LLC | $295,000 | n/a | 0.1% | |
| Nations Lending Corporation | $1,545,000 | $295,000 | -80.9% | 0.1% |
| Progressive Bank | $285,000 | n/a | 0.1% | |
| The Huntington National Bank | $285,000 | n/a | 0.1% | |
| ZILLOW HOME LOANS, LLC | $285,000 | n/a | 0.1% | |
| CALIBER HOME LOANS, INC. | $450,000 | $275,000 | -38.9% | 0.1% |
| First National Bank | $275,000 | n/a | 0.1% | |
| FLAT BRANCH MORTGAGE, INC. | $275,000 | n/a | 0.1% | |
| Patriot Bank | $255,000 | $270,000 | 5.9% | 0.1% |
| Bank Midwest | $265,000 | n/a | 0.1% | |
| M&T Bank | $265,000 | n/a | 0.1% | |
| PNC Bank | $1,170,000 | $265,000 | -77.4% | 0.1% |
| The Farmers & Merchants Bank | $265,000 | n/a | 0.1% | |
| Merchants & Farmers Bank | $260,000 | n/a | 0.1% | |
| American Airlines Federal Credit Union | $610,000 | $255,000 | -58.2% | 0.1% |
| Bank of Springfield | $255,000 | n/a | 0.1% | |
| THRIVE MORTGAGE, LLC | $255,000 | n/a | 0.1% | |
| Academy Bank | $245,000 | n/a | 0.1% | |
| Brighton Bank | $245,000 | n/a | 0.1% | |
| North American Savings Bank, F.S.B. | $245,000 | n/a | 0.1% | |
| SOUTHWEST STAGE FUNDING, LLC | $195,000 | $245,000 | 25.6% | 0.1% |
| VAN DYK MORTGAGE CORPORATION | $245,000 | n/a | 0.1% | |
| First Financial Bank | $235,000 | n/a | 0.1% | |
| STANDARD MORTGAGE CORPORATION | $235,000 | n/a | 0.1% | |
| CIS Financial Services, Inc. | $230,000 | n/a | 0.1% | |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | $225,000 | $225,000 | 0.0% | 0.1% |
| ONY GLO, INC. | $225,000 | n/a | 0.1% | |
| Republic Bank & Trust Company | $225,000 | n/a | 0.1% | |
| Worthington National Bank | $225,000 | n/a | 0.1% | |
| TRIAD FINANCIAL SERVICES, INC. | $310,000 | $220,000 | -29.0% | 0.1% |
| Armed Forces Bank | $215,000 | n/a | 0.1% | |
| Assurance Financial Group, L.L.C. | $235,000 | $215,000 | -8.5% | 0.1% |
| DAS Acquisition Company, LLC | $205,000 | n/a | 0.1% | |
| Decatur County Bank | $205,000 | n/a | 0.1% | |
| The Bank & Trust | $205,000 | n/a | 0.1% | |
| AMCAP MORTGAGE, LTD. | $285,000 | $195,000 | -31.6% | 0.1% |
| AMERICAN HERITAGE LENDING, INC. | $145,000 | $195,000 | 34.5% | 0.1% |
| Bank of Bartlett | $145,000 | $185,000 | 27.6% | 0.0% |
| First Federal Bank | $700,000 | $185,000 | -73.6% | 0.0% |
| NFM, INC. | $125,000 | $185,000 | 48.0% | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $180,000 | n/a | 0.0% | |
| Presidential Bank, FSB | $175,000 | n/a | 0.0% | |
| Stillman Bank | $175,000 | n/a | 0.0% | |
| VILLAGE CAPITAL MORTGAGE | $175,000 | $175,000 | 0.0% | 0.0% |
| Concordia Bank and Trust Company | $165,000 | n/a | 0.0% | |
| First National Bank of Pana | $165,000 | n/a | 0.0% | |
| STOCKTON MORTGAGE CORPORATION | $145,000 | $165,000 | 13.8% | 0.0% |
| Wilson Bank And Trust | $165,000 | n/a | 0.0% | |
| FirstBank | $13,275,000 | $150,000 | -98.9% | 0.0% |
| Barrington Bank & Trust Company, N.A. | $670,000 | $145,000 | -78.4% | 0.0% |
| EVANSVILLE TEACHERS | $505,000 | $145,000 | -71.3% | 0.0% |
| ENCORE BANK | $135,000 | n/a | 0.0% | |
| Figure Lending LLC | $220,000 | $125,000 | -43.2% | 0.0% |
| Red River Bank | $115,000 | n/a | 0.0% | |
| First Federal Bank of Kansas City | $365,000 | $105,000 | -71.2% | 0.0% |
| CSL Financial, LLC | $105,000 | $85,000 | -19.0% | 0.0% |
| Unico Bank | $75,000 | n/a | 0.0% | |
| United Community Bank | $685,000 | $75,000 | -89.1% | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $450,000 | $65,000 | -85.6% | 0.0% |
| SPRING EQ, LLC | $55,000 | n/a | 0.0% | |
| Baxter Credit Union | $55,000 | $35,000 | -36.4% | 0.0% |
Oxford's top lender by overall market share is BankPlus, with 14.0% market share. In second place, with 9.7%, is Regions Bank, having originated $36,290,000 in loans. In third place, with 9.0%, is Renasant Bank, having originated $33,945,000 in loans. In fourth place, with 8.6%, is First Commercial Bank, having originated $32,320,000 in loans. In fifth place, with 6.6%, is BancorpSouth, having originated $24,950,000 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 |
Oxford's median listing price for 2025-02-01 was $522,250, a difference of
$69,775
(15.4%) versus the prior year and
$34,212 versus the prior month.
Oxford's median listing price comes in at 0% of the national average.
Oxford's average listing price for 2025-02-01 was $632,357, a difference of $30,047 (5.0%) versus the prior year and $23,026 versus the prior month.
For the 2025-02-01 period, Oxford had 228 MLS listings, a difference of 5 listings (2%) versus the prior month and 49 listings (27%) versus the prior year.
Oxford's median listing price comes in at 0% of the national average.
Oxford's average listing price for 2025-02-01 was $632,357, a difference of $30,047 (5.0%) versus the prior year and $23,026 versus the prior month.
For the 2025-02-01 period, Oxford had 228 MLS listings, a difference of 5 listings (2%) versus the prior month and 49 listings (27%) 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 |
Oxford's median listing age (time on market) for 2025-02-01 was 0 days.
Oxford's median square footage for active listings during the 2025-02-01 period was 1,973 sqft. One year prior, the average listing was 1,975 sqft.
Oxford's median square footage for active listings during the 2025-02-01 period was 1,973 sqft. One year prior, the average listing was 1,975 sqft.
Oxford, MS Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 825 | $303,185,000 | $367,497 |
| Refi | 141 | $35,885,000 | $254,504 |
| Other | 108 | $13,870,000 | $128,426 |
| Cash Out Refi | 78 | $15,270,000 | $195,769 |
| Home Improvement | 63 | $7,085,000 | $112,460 |
Oxford's most frequently cited loan purpose was Home Purchase, with 825 originations. The 2nd most popular reason was Refi, with 141 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 363 | $130,065,000 | $358,306 |
| 7-8% | 315 | $84,015,000 | $266,714 |
| Over 8% | 222 | $31,940,000 | $143,874 |
| 5-6% | 141 | $52,655,000 | $373,440 |
| <2.5% | 19 | $2,295,000 | $120,789 |
| 4-5% | 17 | $8,435,000 | $496,176 |
| 3-4% | 6 | $900,000 | $150,000 |
| 2.5-3% | 1 | $505,000 | $505,000 |
During 2023, Oxford's most frequently originated rate bucket was 6-7%, with 363 originations.
Loan Sizing (Oxford, MS MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 522 | $148,220,000 | $283,946 |
| $100k-200k | 261 | $39,795,000 | $152,471 |
| $100,000 or less | 203 | $11,385,000 | $56,084 |
| $400k-600k | 157 | $73,985,000 | $471,242 |
| $600k-1000k | 53 | $39,185,000 | $739,340 |
| $Over $1MM | 19 | $62,725,000 | $3,301,316 |
Oxford's loan sizing saw the bucket of loans from $200k-400k with 522 originations, totaling $148,220,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 418 | $140,230,000 | $335,478 |
| 60-80% | 300 | $109,980,000 | $366,600 |
| Under 20% | 124 | $6,780,000 | $54,677 |
| 20-40% | 119 | $19,745,000 | $165,924 |
| 40-60% | 107 | $28,345,000 | $264,907 |
| Over 100% | 14 | $5,410,000 | $386,429 |
Oxford's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 418 originations, totaling $140,230,000 in origination value.