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 6.83% for the week of 2024-06-06, compared to the national average of 6.99% for the same period.

The average rate for the prior week (2024-05-30) was 7.07% and one month ago for the week of 2024-05-02, the average rate was 6.96%.

Oxford's average rate one year ago was 6.63%.

For refis of the same type during the week of 2024-06-06, the average rate was 7.29%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-06-06 6.99%
Oxford 30 Year Fixed Rate 2024-06-06 6.83%
Oxford 30 Year Fixed Rate Refi 2024-06-06 7.29%
Oxford 15 Year Fixed Rate 2024-06-06 6.09%
Oxford 15 Year Fixed Rate Refi 2024-06-06 6.19%
Oxford 30 Year FHA 2024-06-06 6.49%
Oxford 30 Year FHA Refi 2024-06-06 6.99%
Oxford 30 Year USDA 2024-06-06 6.8%
Oxford 30 Year USDA Refi 2024-06-06 6.9%
Oxford 30 Year VA 2024-06-06 6.39%
Oxford 30 Year VA Refi 2024-06-06 6.59%
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.).

Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
Regions Bank 74 6.50% $4,966
Renasant Bank 47 6.59% $6,199
BankPlus 42 6.71% $4,948
BancorpSouth 37 6.70% $5,108
QUICKEN LOANS, LLC 27 6.69% $7,728
Trustmark National Bank 26 6.96% $5,416
Bank of England 13 7.21% $6,719
Origin Bank 11 7.01% $3,608
Morgan Stanley Private Bank 6 5.83% $4,050
MOVEMENT MORTGAGE, LLC 5 7.05% $4,893
HOMEOWNERS FINANCIAL GROUP USA, LLC 5 7.18% $6,827
AmeriHome Mortgage Company, LLC 4 7.50% $7,209
Raymond James Bank 4 5.22% $3,715
PENNYMAC LOAN SERVICES, LLC 4 6.78% $5,273
Flagstar Bank, FSB 4 7.00% $12,050
CROSSCOUNTRY MORTGAGE, LLC 4 7.25% $11,993
Pinnacle Bank 4 7.09% $6,722
NAVY FEDERAL CREDIT UNION 3 5.00% $7,592
Stifel Bank and Trust 3 5.92% $3,055
BROKER SOLUTIONS, INC. 3 6.87% $5,248
Simmons Bank 3 5.88% $5,249
COMMUNITY MORTGAGE CORPORATION 3 6.50% $4,691
UNITED WHOLESALE MORTGAGE, LLC 3 6.37% $11,507
The Central Trust Bank 3 6.95% $2,766
MORTGAGE INVESTORS GROUP, INC. 3 6.88% $8,091
Prosperity Home Mortgage, LLC 3 7.21% $4,253
Evolve Bank & Trust 3 6.17% $5,296
First Horizon Bank 3 6.54% $3,665
Wells Fargo Bank 3 7.25% $7,316
MUTUAL OF OMAHA MORTGAGE, INC. 2 6.94% $5,448
Independent Bank 2 6.19% $5,438
AMERISAVE MORTGAGE CORPORATION 2 6.75% $11,782
GUARANTEED RATE, INC. 2 6.99% $3,830
Hancock Whitney Bank 2 8.38% $3,920
Financial Federal Bank 2 6.56% $3,435
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 2 6.49% $3,854
UBS Bank USA 2 6.19% $4,754
Bank of America 2 6.50% $6,056
UNION HOME MORTGAGE CORP. 2 7.06% $11,035
Magnolia Bank 2 6.50% $5,880
CMG MORTGAGE, INC. 2 7.00% $4,092
PHH Mortgage Corporation 2 7.50% $4,947
THRIVE MORTGAGE, LLC 1 6.13% $7,688
Truist 1 6.10% $5,929
UMB Bank 1 6.49% $6,795
U.S. Bank 1 6.13% $987
VAN DYK MORTGAGE CORPORATION 1 7.63% $3,673
Wilson Bank And Trust 1 6.13% $4,374
Wyndham Capital Mortgage, Inc. 1 5.88% $7,222
Academy Bank 1 6.63% $4,464
ZILLOW HOME LOANS, LLC 1 8.13% $9,582
AMCAP MORTGAGE, LTD. 1 6.63% $5,577
AMERICAN FINANCIAL RESOURCES, INC. 1 6.63% $3,687
American State Bank 1 6.88% $4,927
Armed Forces Bank 1 6.13% $4,121
Assurance Financial Group, L.L.C. 1 6.50% $3,908
Bell Bank 1 7.25% $4,726
BETTER MORTGAGE CORPORATION 1 5.75% $2,867
CANOPY MORTGAGE, LLC 1 7.63% $11,111
CapStar Bank 1 6.50% $5,332
CARDINAL FINANCIAL 1 7.75% $15,924
Citizens Bank 1 5.75% $13,752
City National Bank 1 5.75% $4,111
Commerce Bank 1 6.75% $4,372
Community Bank of Mississippi 1 6.25% $3,785
CREDIT UNION MORTGAGE ASSOCIATION, INC. 1 6.88% $5,744
DAS Acquisition Company, LLC 1 7.63% $10,263
EVERETT FINANCIAL, INC. 1 5.38% $8,126
Farmers Bank & Trust 1 6.13% $2,747
First Bank 1 6.88% $10,645
First Federal Bank 1 6.00% $7,457
GMFS LLC 1 6.88% $3,560
Goldman Sachs Bank USA 1 6.70% $3,299
GUIDANCE RESIDENTIAL, LLC 1 7.25% $3,788
JPMorgan Chase Bank 1 9.13% $6,820
LAKEVIEW LOAN SERVICING, LLC 1 5.88% $10,618
Mortgage Research Center, LLC 1 7.63% $8,968
Mr. Cooper ( Nationstar Mortgage ) 1 5.99% $12,411
M&T Bank 1 6.13% $3,545
Nations Lending Corporation 1 7.88% $8,018
Neighborhood Loans, Inc. 1 7.38% $5,063
NEWREZ LLC 1 5.99% $10,056
Presidential Bank, FSB 1 7.75% $5,939
PRIMELENDING, A PLAINSCAPITAL COMPANY 1 6.13% $7,042
Republic Bank & Trust Company 1 5.50% $3,199
Southwest Airlines Federal Credit Union 1 6.63% $9,889
STANDARD MORTGAGE CORPORATION 1 5.69% $4,235
Stillman Bank 1 7.50% $2,166
STOCKTON MORTGAGE CORPORATION 1 6.25% $5,302
TENNESSEE VALLEY 1 6.91% $6,872
The Citizens National Bank of Meridian 1 6.52% $2,197
The Huntington National Bank 1 7.75% $5,615

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 $316,975 (-6.4%) $369,775 (-7.0%) 0.00 392
2018-02-01 $319,950 (-4.4%) $369,615 (-4.7%) 0.00 403
2018-03-01 $329,000 (-3.0%) $378,142 (-4.8%) 0.00 410
2018-04-01 $334,975 (-1.5%) $379,275 (-5.0%) 0.00 431
2018-05-01 $325,000 (-6.3%) $369,038 (-10.2%) 0.00 455
2018-06-01 $309,000 (-11.2%) $364,238 (-10.9%) 0.00 467
2018-07-01 $299,450 (-14.4%) $360,140 (-9.9%) 0.00 470
2018-08-01 $284,900 (-12.0%) $348,320 (-8.9%) 0.00 484
2018-09-01 $264,900 (-19.7%) $337,816 (-12.5%) 0.00 515
2018-10-01 $258,225 (-21.5%) $330,002 (-11.7%) 0.00 513
2018-11-01 $258,500 (-19.2%) $329,952 (-9.7%) 0.00 488
2018-12-01 $259,900 (-17.5%) $334,184 (-6.0%) 0.00 480
2019-01-01 $256,150 (-19.2%) $335,332 (-9.3%) 0.00 457
2019-02-01 $250,425 (-21.7%) $335,931 (-9.1%) 0.00 503
2019-03-01 $255,629 (-22.3%) $338,460 (-10.5%) 0.00 526
2019-04-01 $259,500 (-22.5%) $340,054 (-10.3%) 0.00 550
2019-05-01 $269,250 (-17.2%) $352,690 (-4.4%) 0.00 564
2019-06-01 $274,900 (-11.0%) $363,766 (-0.1%) 0.00 577
2019-07-01 $274,950 (-8.2%) $370,656 (2.9%) 0.00 594
2019-08-01 $275,964 (-3.1%) $374,948 (7.6%) 0.00 556
2019-09-01 $278,234 (5.0%) $380,188 (12.5%) 0.00 508
2019-10-01 $281,225 (8.9%) $381,238 (15.5%) 0.00 475
2019-11-01 $279,000 (7.9%) $381,946 (15.8%) 0.00 457
2019-12-01 $269,200 (3.6%) $372,178 (11.4%) 0.00 406
2020-01-01 $264,500 (3.3%) $381,579 (13.8%) 0.00 381
2020-02-01 $258,925 (3.4%) $379,676 (13.0%) 0.00 432
2020-03-01 $258,900 (1.3%) $370,327 (9.4%) 0.00 445
2020-04-01 $262,450 (1.1%) $367,273 (8.0%) 0.00 447
2020-05-01 $263,500 (-2.1%) $373,447 (5.9%) 0.00 458
2020-06-01 $242,463 (-11.8%) $360,737 (-0.8%) 0.00 486
2020-07-01 $254,400 (-7.5%) $379,316 (2.3%) 0.00 476
2020-08-01 $265,500 (-3.8%) $382,222 (1.9%) 0.00 486
2020-09-01 $267,125 (-4.0%) $378,960 (-0.3%) 0.00 479
2020-10-01 $268,750 (-4.4%) $395,904 (3.9%) 0.00 476
2020-11-01 $265,375 (-4.9%) $404,873 (6.0%) 0.00 447
2020-12-01 $262,025 (-2.7%) $381,851 (2.6%) 0.00 433
2021-01-01 $264,100 (-0.2%) $378,450 (-0.8%) 0.00 407
2021-02-01 $291,625 (12.6%) $411,358 (8.3%) 0.00 375
2021-03-01 $297,450 (14.9%) $419,406 (13.3%) 0.00 355
2021-04-01 $348,500 (32.8%) $466,469 (27.0%) 0.00 323
2021-05-01 $379,500 (44.0%) $518,291 (38.8%) 0.00 235
2021-06-01 $396,725 (63.6%) $524,392 (45.4%) 0.00 235
2021-07-01 $429,950 (69.0%) $551,982 (45.5%) 0.00 219
2021-08-01 $414,380 (56.1%) $539,610 (41.2%) 0.00 208
2021-09-01 $399,925 (49.7%) $547,104 (44.4%) 0.00 205
2021-10-01 $389,000 (44.7%) $544,865 (37.6%) 0.00 180
2021-11-01 $389,000 (46.6%) $557,778 (37.8%) 0.00 164
2021-12-01 $424,278 (61.9%) $574,797 (50.5%) 0.00 133
2022-01-01 $449,900 (70.4%) $593,571 (56.8%) 0.00 109
2022-02-01 $490,575 (68.2%) $669,470 (62.8%) 0.00 82
2022-03-01 $483,725 (62.6%) $610,323 (45.5%) 0.00 97
2022-04-01 $497,450 (42.7%) $623,832 (33.7%) 0.00 98
2022-05-01 $432,425 (14.0%) $576,006 (11.1%) 0.00 115
2022-06-01 $397,000 (0.1%) $545,827 (4.1%) 0.00 139
2022-07-01 $399,000 (-7.2%) $539,371 (-2.3%) 0.00 168
2022-08-01 $439,725 (6.1%) $551,716 (2.2%) 0.00 161
2022-09-01 $422,500 (5.6%) $562,573 (2.8%) 0.00 153
2022-10-01 $449,000 (15.4%) $561,446 (3.0%) 0.00 159
2022-11-01 $493,725 (26.9%) $578,114 (3.7%) 0.00 148
2022-12-01 $495,000 (16.7%) $584,111 (1.6%) 0.00 120
2023-01-01 $475,000 (5.6%) $553,417 (-6.8%) 0.00 133
2023-02-01 $486,125 (-0.9%) $569,469 (-14.9%) 0.00 126
2023-03-01 $449,000 (-7.2%) $540,054 (-11.5%) 0.00 129
2023-04-01 $449,900 (-9.6%) $548,848 (-12.0%) 0.00 136
2023-05-01 $447,500 (3.5%) $565,588 (-1.8%) 0.00 129
2023-06-01 $445,000 (12.1%) $562,492 (3.1%) 0.00 132
2023-07-01 $450,000 (12.8%) $599,966 (11.2%) 0.00 130
2023-08-01 $479,450 (9.0%) $599,112 (8.6%) 0.00 144
2023-09-01 $495,500 (17.3%) $613,450 (9.0%) 0.00 162
2023-10-01 $497,250 (10.8%) $614,164 (9.4%) 0.00 152
2023-11-01 $504,675 (2.2%) $635,938 (10.0%) 0.00 151
2023-12-01 $532,985 (7.7%) $665,772 (14.0%) 0.00 141
2024-01-01 $489,925 (3.1%) $637,369 (15.2%) 0.00 167
2024-02-01 $492,000 (1.2%) $645,040 (13.3%) 0.00 158
2024-03-01 $539,900 (20.2%) $669,556 (24.0%) 0.00 142
2024-04-01 $594,750 (32.2%) $717,565 (30.7%) 0.00 149
2024-05-01 $554,500 (23.9%) $759,745 (34.3%) 0.00 169
Oxford's median listing price for 2024-05-01 was $554,500, a difference of $107,000 (23.9%) versus the prior year and $-40,250 versus the prior month.

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

Oxford's average listing price for 2024-05-01 was $759,745, a difference of $194,157 (34.3%) versus the prior year and $42,180 versus the prior month.

For the 2024-05-01 period, Oxford had 169 MLS listings, a difference of 20 listings (13%) versus the prior month and 40 listings (31%) 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 1,930 sqft
2018-02-01 0 days 2,049 sqft
2018-03-01 0 days 2,070 sqft
2018-04-01 0 days 2,081 sqft
2018-05-01 0 days 2,075 sqft
2018-06-01 0 days 2,066 sqft
2018-07-01 0 days 2,039 sqft
2018-08-01 0 days 1,956 sqft
2018-09-01 0 days 1,875 sqft
2018-10-01 0 days 1,846 sqft
2018-11-01 0 days 1,834 sqft
2018-12-01 0 days 1,829 sqft
2019-01-01 0 days 1,802 sqft
2019-02-01 0 days 1,804 sqft
2019-03-01 0 days 1,826 sqft
2019-04-01 0 days 1,837 sqft
2019-05-01 0 days 1,847 sqft
2019-06-01 0 days 1,859 sqft
2019-07-01 0 days 1,860 sqft
2019-08-01 0 days 1,862 sqft
2019-09-01 0 days 1,862 sqft
2019-10-01 0 days 1,863 sqft
2019-11-01 0 days 1,862 sqft
2019-12-01 0 days 1,839 sqft
2020-01-01 0 days 1,852 sqft
2020-02-01 0 days 1,838 sqft
2020-03-01 0 days 1,807 sqft
2020-04-01 0 days 1,807 sqft
2020-05-01 0 days 1,800 sqft
2020-06-01 0 days 1,760 sqft
2020-07-01 0 days 1,800 sqft
2020-08-01 0 days 1,849 sqft
2020-09-01 0 days 1,859 sqft
2020-10-01 0 days 1,855 sqft
2020-11-01 0 days 1,834 sqft
2020-12-01 0 days 1,820 sqft
2021-01-01 0 days 1,860 sqft
2021-02-01 0 days 1,864 sqft
2021-03-01 0 days 1,868 sqft
2021-04-01 0 days 2,033 sqft
2021-05-01 0 days 2,102 sqft
2021-06-01 0 days 2,120 sqft
2021-07-01 0 days 2,248 sqft
2021-08-01 0 days 2,183 sqft
2021-09-01 0 days 2,056 sqft
2021-10-01 0 days 2,052 sqft
2021-11-01 0 days 2,051 sqft
2021-12-01 0 days 2,048 sqft
2022-01-01 0 days 2,039 sqft
2022-02-01 0 days 2,162 sqft
2022-03-01 0 days 2,067 sqft
2022-04-01 0 days 2,377 sqft
2022-05-01 0 days 2,108 sqft
2022-06-01 0 days 2,033 sqft
2022-07-01 0 days 2,000 sqft
2022-08-01 0 days 2,033 sqft
2022-09-01 0 days 2,065 sqft
2022-10-01 0 days 2,070 sqft
2022-11-01 0 days 2,287 sqft
2022-12-01 0 days 2,350 sqft
2023-01-01 0 days 2,143 sqft
2023-02-01 0 days 2,088 sqft
2023-03-01 0 days 1,911 sqft
2023-04-01 0 days 1,996 sqft
2023-05-01 0 days 1,933 sqft
2023-06-01 0 days 2,081 sqft
2023-07-01 0 days 2,100 sqft
2023-08-01 0 days 2,122 sqft
2023-09-01 0 days 2,142 sqft
2023-10-01 0 days 2,144 sqft
2023-11-01 0 days 2,195 sqft
2023-12-01 0 days 2,188 sqft
2024-01-01 0 days 2,019 sqft
2024-02-01 0 days 1,992 sqft
2024-03-01 0 days 2,054 sqft
2024-04-01 0 days 2,210 sqft
2024-05-01 0 days 2,229 sqft
Oxford's median listing age (time on market) for 2024-05-01 was 0 days.

Oxford's median square footage for active listings during the 2024-05-01 period was 2,229 sqft. One year prior, the average listing was 1,933 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.