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 6.63% for the week of 2025-04-03, compared to the national average of 6.64% for the same period.

The average rate for the prior week (2025-03-27) was 6.94% and one month ago for the week of 2025-02-27, the average rate was 7.05%.

Oxford's average rate one year ago was 6.98%.

For refis of the same type during the week of 2025-04-03, the average rate was 7.04%.

Loan Type Date Rate
US 30 Year Fixed Rate 2025-04-03 6.64%
Oxford 30 Year Fixed Rate 2025-04-03 6.63%
Oxford 30 Year Fixed Rate Refi 2025-04-03 7.04%
Oxford 15 Year Fixed Rate 2025-04-03 5.82%
Oxford 15 Year Fixed Rate Refi 2025-04-03 6.12%
Oxford 30 Year FHA 2025-04-03 6.16%
Oxford 30 Year FHA Refi 2025-04-03 6.16%
Oxford 30 Year USDA 2025-04-03 6.22%
Oxford 30 Year USDA Refi 2025-04-03 6.52%
Oxford 30 Year VA 2025-04-03 5.86%
Oxford 30 Year VA Refi 2025-04-03 6.26%
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 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
Regions Bank 49 6.86% $5,353
BancorpSouth 41 6.92% $5,216
BankPlus 39 6.79% $5,185
Trustmark National Bank 35 6.69% $6,136
QUICKEN LOANS, LLC 30 6.75% $7,543
Renasant Bank 23 6.95% $5,315
Bank of England 17 6.93% $5,739
HOMEOWNERS FINANCIAL GROUP USA, LLC 8 6.89% $6,863
AmeriHome Mortgage Company, LLC 7 6.75% $4,423
MORTGAGE INVESTORS GROUP, INC. 6 5.89% $4,861
UNITED WHOLESALE MORTGAGE, LLC 6 6.85% $7,507
COMMUNITY MORTGAGE CORPORATION 6 7.12% $4,057
FIRST COMMUNITY MORTGAGE, INC. 5 6.85% $6,447
GMFS LLC 5 6.72% $3,947
Stifel Bank and Trust 5 6.25% $3,533
Pinnacle Bank 5 6.83% $4,520
Morgan Stanley Private Bank 5 6.03% $4,174
First Horizon Bank 5 6.95% $4,883
CREDIT UNION MORTGAGE ASSOCIATION, INC. 4 6.03% $9,252
Flagstar Bank, FSB 4 6.81% $6,966
NAVY FEDERAL CREDIT UNION 4 6.09% $3,202
BROKER SOLUTIONS, INC. 4 7.38% $6,368
LOANDEPOT.COM, LLC 3 6.70% $5,354
Nations Lending Corporation 3 7.00% $6,782
EVANSVILLE TEACHERS 3 7.25% $3,992
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 3 7.04% $7,902
EUSTIS AND AMERICAN MORTGAGE COMPANY 3 6.87% $7,542
MOVEMENT MORTGAGE, LLC 3 7.08% $9,106
Bank of America 3 6.50% $4,436
Wells Fargo Bank 3 7.42% $3,744
The Citizens National Bank of Meridian 2 6.92% $2,162
Ally Bank 2 6.56% $8,291
Fifth Third Bank 2 7.06% $4,458
GUARANTEED RATE, INC. 2 6.94% $6,226
Independent Bank 2 7.13% $4,637
Magnolia Bank 2 6.81% $5,189
Origin Bank 2 6.87% $4,250
Orion Federal Credit Union 2 6.81% $3,019
PENNYMAC LOAN SERVICES, LLC 2 7.25% $6,105
Raymond James Bank 2 5.50% $4,392
Simmons Bank 2 7.50% $5,814
SWBC MORTGAGE CORPORATION 2 6.31% $5,266
UNION HOME MORTGAGE CORP. 2 6.31% $6,121
USAA Federal Savings Bank 2 6.63% $6,244
U.S. Bank 2 7.75% $3,720
The Federal Savings Bank 1 6.75% $4,812
Eagle Bank and Trust Company 1 6.19% $4,654
DEEPHAVEN MORTGAGE LLC 1 7.25% $27,069
CROSSCOUNTRY MORTGAGE, LLC 1 7.88% $15,055
Mr. Cooper ( Nationstar Mortgage ) 1 7.49% $13,111
M&T Bank 1 6.25% $4,483
CONSUMER Credit Union 1 6.25% $5,351
Community Bank of Mississippi 1 8.30% $1,233
NBKC BANK 1 6.63% $3,626
NEWREZ LLC 1 7.13% $5,773
OPEN MORTGAGE, LLC 1 7.13% $10,019
The Huntington National Bank 1 6.50% $4,609
Truist 1 6.38% $10,528
Patriot Bank 1 6.50% $4,639
American Mortgage & Equity Consultants, Inc. 1 7.13% $10,428
PHH Mortgage Corporation 1 6.63% $5,493
City National Bank 1 7.75% $7,240
PNC Bank 1 6.88% $4,981
CHEVRON 1 7.00% $5,130
UBS Bank USA 1 6.25% $4,521
Charles Schwab Bank, SSB 1 7.10% $6,183
BOKF 1 7.00% $4,463
AMERICAN FINANCIAL NETWORK, INC. 1 7.38% $11,255
Southwest Airlines Federal Credit Union 1 5.88% $6,036
BMO Harris Bank 1 7.50% $4,592
STOCKTON MORTGAGE CORPORATION 1 7.13% $4,280
First Western Trust Bank 1 7.50% $2,821
FLAT BRANCH MORTGAGE, INC. 1 7.99% $4,162
First Merchants Bank 1 6.63% $6,711
American Mortgage Bank, LLC 1 7.38% $17,256
GUIDANCE RESIDENTIAL, LLC 1 7.13% $4,579
GUILD MORTGAGE COMPANY 1 7.49% $6,976
Farmers Bank & Trust 1 6.50% $3,056
Independence Bank of Kentucky 1 7.25% $4,617
ACOPIA, LLC 1 6.13% $12,269
JPMorgan Chase Bank 1 6.49% $557
LENDSURE MORTGAGE CORP. 1 6.88% $9,373
EMBRACE HOME LOANS, INC. 1 7.13% $5,119

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
Oxford's median listing price for 2025-03-01 was $554,500, a difference of $67,250 (13.8%) versus the prior year and $32,250 versus the prior month.

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

Oxford's average listing price for 2025-03-01 was $647,659, a difference of $27,558 (4.4%) versus the prior year and $15,302 versus the prior month.

For the 2025-03-01 period, Oxford had 245 MLS listings, a difference of 17 listings (7%) versus the prior month and 78 listings (47%) 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
Oxford's median listing age (time on market) for 2025-03-01 was 0 days.

Oxford's median square footage for active listings during the 2025-03-01 period was 1,995 sqft. One year prior, the average listing was 2,048 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.