Oxford Mortgage Rates

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Oxford averaged 5.77% for the week of 2022-06-23, compared to the national average of 5.81% for the same period.

The average rate for the prior week (2022-06-16) was 6.04% and one month ago for the week of 2022-05-19, the average rate was 5.31%.

Oxford's average rate one year ago was 3.25%.

For refis of the same type during the week of 2022-06-23, the average rate was 6.01%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-06-23 5.81%
Oxford 30 Year Fixed Rate 2022-06-23 5.77%
Oxford 30 Year Fixed Rate Refi 2022-06-23 6.01%
Oxford 15 Year Fixed Rate 2022-06-23 4.94%
Oxford 15 Year Fixed Rate Refi 2022-06-23 4.91%
Oxford 30 Year FHA 2022-06-23 -0.02%
Oxford 30 Year FHA Refi 2022-06-23 -0.32%
Oxford 30 Year USDA 2022-06-23 -0.26%
Oxford 30 Year USDA Refi 2022-06-23 -0.58%
Oxford 30 Year VA 2022-06-23 0.13%
Oxford 30 Year VA Refi 2022-06-23 -0.21%
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 lendor, 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 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
Regions Bank 160 3.20% $3,180
Renasant Bank 137 3.17% $3,944
COMMUNITY MORTGAGE CORPORATION 132 3.09% $3,307
Trustmark National Bank 108 3.02% $2,855
BancorpSouth Bank 90 3.11% $3,705
QUICKEN LOANS, LLC 69 3.11% $5,910
MOVEMENT MORTGAGE, LLC 20 3.19% $3,965
Flagstar Bank, FSB 20 3.24% $4,501
Bank of England 19 3.09% $5,289
Wells Fargo Bank 15 3.43% $3,280
CRESCENT MORTGAGE COMPANY 15 3.04% $3,933
BankPlus 13 2.98% $2,571
LOANDEPOT.COM, LLC 12 3.09% $4,355
AMERISAVE MORTGAGE CORPORATION 11 2.82% $5,290
Origin Bank 11 3.18% $3,201
First Horizon Bank 11 3.05% $3,391
BETTER MORTGAGE CORPORATION 10 2.96% $2,572
UNITED WHOLESALE MORTGAGE, LLC 7 2.97% $3,951
Eagle Bank and Trust Company 7 3.16% $2,832
MORTGAGE INVESTORS GROUP, INC. 6 3.15% $3,543
PNC Bank 6 3.00% $4,078
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 5 3.37% $3,704
Bank of America 5 2.80% $3,736
NAVY FEDERAL CREDIT UNION 5 3.93% $3,333
Pinnacle Bank 4 3.28% $3,101
DELMAR FINANCIAL COMPANY 4 3.81% $3,759
Nations Lending Corporation 4 3.22% $4,061
U.S. Bank 4 2.97% $3,010
CALIBER HOME LOANS, INC. 4 3.34% $4,581
FIDELITY BANK 3 3.08% $3,333
Independent Bank 3 2.54% $2,425
CROSSCOUNTRY MORTGAGE, LLC 3 3.00% $4,513
JPMorgan Chase Bank 3 3.21% $3,335
Mr. Cooper ( Nationstar Mortgage ) 3 3.21% $3,931
Capitol Federal Savings Bank 3 2.88% $4,884
BROKER SOLUTIONS, INC. 3 3.16% $2,987
PENNYMAC LOAN SERVICES, LLC 3 3.37% $2,570
Financial Federal Bank 3 2.92% $3,517
CHURCHILL MORTGAGE CORPORATION 3 3.04% $4,011
GMFS LLC 3 2.92% $3,538
GUARANTEED RATE, INC. 3 2.92% $3,685
SWBC MORTGAGE CORPORATION 2 3.50% $1,997
Raymond James Bank 2 3.00% $4,432
Ally Bank 2 3.06% $3,478
TIAA, FSB 2 3.06% $12,876
PRIMELENDING, A PLAINSCAPITAL COMPANY 2 3.94% $5,028
Peoples Bank 2 3.81% $2,773
FINANCE OF AMERICA MORTGAGE LLC 2 2.88% $2,703
Paramount Residential Mortgage Group, Inc. 2 2.87% $4,917
Orion Federal Credit Union 2 3.38% $2,649
CIS Financial Services, Inc. 2 2.63% $8,066
EVANSVILLE TEACHERS 2 3.13% $3,987
FREEDOM MORTGAGE CORPORATION 2 3.44% $3,398
Community Bank of Mississippi 2 3.19% $3,005
Morgan Stanley Private Bank 2 2.60% $4,863
GUARANTY HOME MORTGAGE CORPORATION 2 3.69% $4,845
GUILD MORTGAGE COMPANY 2 2.81% $3,671
First Federal Bank 2 2.94% $3,546
Stifel Bank and Trust 2 2.56% $2,087
BARTLETT MORTGAGE, INC. 2 3.00% $3,928
ZILLOW HOME LOANS, LLC 1 3.38% $2,828
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 3.13% $3,495
ANGEL OAK HOME LOANS LLC 1 3.50% $3,558
Baxter Credit Union 1 2.38% $2,673
BNC National Bank 1 2.75% $2,661
Cadence Bank, N.A. 1 3.00% $3,982
CapStar Bank 1 2.88% $3,815
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 1 3.38% $7,938
Carrington Mortgage Services, LLC 1 3.63% $4,388
Charles Schwab Bank, SSB 1 1.98% $2,574
Chicago Mortgage Solutions LLC 1 2.87% $1,015
Citibank 1 2.38% $5,836
Colonial Savings, F.A. 1 3.50% $0
CORNERSTONE HOME LENDING, INC. 1 3.88% $4,713
Discover Bank 1 3.99% $0
DRAPER AND KRAMER MORTGAGE CORP. 1 3.13% $3,023
EVERETT FINANCIAL, INC. 1 3.25% $2,218
Evolve Bank & Trust 1 5.25% $2,362
First Bank 1 2.88% $2,737
FirstBank 1 3.50% $3,513
First Community Bank 1 2.75% $8,545
First Home Bank 1 2.75% $3,682
First Western Bank & Trust 1 2.63% $4,941
FLAT BRANCH MORTGAGE, INC. 1 3.25% $3,257
FORT FINANCIAL Federal Credit Union 1 3.25% $3,119
Hamilton Mortgage Corporation 1 3.13% $5,013
HOME POINT FINANCIAL CORPORATION 1 2.75% $5,218
HOMESTEAD FUNDING CORP. 1 2.75% $4,173
Hometown Lenders, Inc. 1 3.38% $5,457
HSBC BANK USA, NATIONAL ASSOCIATION 1 3.25% $3,735
InterContinental Capital Group, Inc 1 2.88% $5,184
INTERLINC MORTGAGE SERVICES, LLC 1 3.12% $3,175
KeyBank 1 3.00% $5,960
Magnolia Bank 1 2.88% $4,077
MORIA DEVELOPMENT, INC. 1 2.75% $2,063
Mortgage Research Center, LLC 1 2.75% $5,485
MUTUAL OF OMAHA MORTGAGE, INC. 1 3.25% $3,940
NEWREZ LLC 1 3.38% $2,488
North American Savings Bank, F.S.B. 1 2.88% $2,712
Patriot Bank 1 2.75% $3,583
PENTAGON FEDERAL CREDIT UNION 1 2.75% $1,037
PHH Mortgage Corporation 1 3.00% $9,859
Plains Commerce Bank 1 3.25% $3,294
Progress Bank and Trust 1 3.25% $2,613
Simmons Bank 1 5.64% $3,850
SouthPoint Bank 1 3.38% $3,506
Sullivan Bank 1 3.63% $3,030
The Citizens National Bank of Meridian 1 4.39% $2,409
THRIVENT Federal Credit Union 1 3.13% $3,032
UNION HOME MORTGAGE CORP. 1 3.38% $3,097
Wood & Huston Bank 1 3.99% $3,006
Wyndham Capital Mortgage, Inc. 1 2.99% $1,486
ACADEMY MORTGAGE CORPORATION 1 3.38% $4,341

Oxford, MS's 113 lenders originated 2,347 loans during 2021. The total origination value was $605,745,000, with an average loan value of $258,093.

The top Oxford lender as defined by loan originations is Regions Bank, with 160 loans originated. Their average total fees are $3,180, which is $765 lower than the next largest lender, Renasant Bank.

The lowest fee Oxford lenders (with over 10 loans originated) are BankPlus ($2,571), BETTER MORTGAGE CORPORATION ($2,572), Trustmark National Bank ($2,855), Regions Bank ($3,180) and Origin Bank ($3,201).

The lowest rate Oxford lenders (with over 10 loans originated) are AMERISAVE MORTGAGE CORPORATION (2.82%), BETTER MORTGAGE CORPORATION (2.96%), BankPlus (2.98%), Trustmark National Bank (3.02%) and CRESCENT MORTGAGE COMPANY (3.04%).

Oxford, MS Lender 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 2020 Loan Value 2021 Loan Value % Change 2021 Market Share
Renasant Bank $104,580,000 $84,765,000 -18.9% 14.0%
Regions Bank $59,160,000 $56,860,000 -3.9% 9.4%
BancorpSouth Bank $50,085,000 $54,070,000 8.0% 8.9%
COMMUNITY MORTGAGE CORPORATION $64,035,000 $48,565,000 -24.2% 8.0%
Trustmark National Bank $65,950,000 $47,915,000 -27.3% 7.9%
QUICKEN LOANS, LLC $28,150,000 $32,380,000 15.0% 5.3%
Old National Bank $27,810,000 n/a 4.6%
First Commercial Bank $12,415,000 $13,695,000 10.3% 2.3%
BankFirst Financial Services $13,845,000 $12,340,000 -10.9% 2.0%
BankPlus $16,765,000 $11,205,000 -33.2% 1.8%
Guaranty Bank and Trust Company $4,085,000 $11,005,000 169.4% 1.8%
Bank of England $9,985,000 $9,465,000 -5.2% 1.6%
Sycamore Bank $3,790,000 $8,870,000 134.0% 1.5%
LOANDEPOT.COM, LLC $3,195,000 $8,215,000 157.1% 1.4%
Flagstar Bank, FSB $7,920,000 $8,160,000 3.0% 1.3%
MOVEMENT MORTGAGE, LLC $995,000 $6,840,000 587.4% 1.1%
FREEDOM MORTGAGE CORPORATION $7,910,000 $6,530,000 -17.4% 1.1%
First Horizon Bank $705,000 $6,035,000 756.0% 1.0%
Community Bank of Mississippi $9,165,000 $5,980,000 -34.8% 1.0%
Wells Fargo Bank $5,420,000 $5,700,000 5.2% 0.9%
AMERISAVE MORTGAGE CORPORATION $2,605,000 $5,630,000 116.1% 0.9%
Origin Bank $12,645,000 $5,225,000 -58.7% 0.9%
CRESCENT MORTGAGE COMPANY $1,015,000 $4,720,000 365.0% 0.8%
Mortgage Research Center, LLC $3,055,000 $4,255,000 39.3% 0.7%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $2,420,000 $4,010,000 65.7% 0.7%
BETTER MORTGAGE CORPORATION $2,825,000 $3,705,000 31.2% 0.6%
Mr. Cooper ( Nationstar Mortgage ) $1,315,000 $3,195,000 143.0% 0.5%
Planters Bank & Trust Company $1,135,000 $3,000,000 164.3% 0.5%
Eagle Bank and Trust Company $1,445,000 $2,660,000 84.1% 0.4%
EVANSVILLE TEACHERS $4,495,000 $2,535,000 -43.6% 0.4%
PENNYMAC LOAN SERVICES, LLC $1,455,000 $2,330,000 60.1% 0.4%
U.S. Bank $1,865,000 $2,295,000 23.1% 0.4%
PNC Bank $380,000 $2,165,000 469.7% 0.4%
Bank of America $2,125,000 $2,150,000 1.2% 0.4%
Capitol Federal Savings Bank $785,000 $2,075,000 164.3% 0.3%
CIS Financial Services, Inc. $2,065,000 n/a 0.3%
NAVY FEDERAL CREDIT UNION $2,250,000 $1,985,000 -11.8% 0.3%
GMFS LLC $2,605,000 $1,905,000 -26.9% 0.3%
UNITED WHOLESALE MORTGAGE, LLC $3,730,000 $1,840,000 -50.7% 0.3%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $945,000 $1,705,000 80.4% 0.3%
BROKER SOLUTIONS, INC. $545,000 $1,675,000 207.3% 0.3%
PriorityOne Bank $4,395,000 $1,675,000 -61.9% 0.3%
Morgan Stanley Private Bank $405,000 $1,670,000 312.3% 0.3%
USAA Federal Savings Bank $1,930,000 $1,625,000 -15.8% 0.3%
CALIBER HOME LOANS, INC. $3,130,000 $1,550,000 -50.5% 0.3%
Pinnacle Bank $1,055,000 $1,550,000 46.9% 0.3%
Raymond James Bank $1,520,000 n/a 0.3%
Financial Federal Bank $1,460,000 $1,455,000 -0.3% 0.2%
LAKEVIEW LOAN SERVICING, LLC $380,000 $1,395,000 267.1% 0.2%
CHURCHILL MORTGAGE CORPORATION $115,000 $1,390,000 1,108.7% 0.2%
MORTGAGE INVESTORS GROUP, INC. $970,000 $1,330,000 37.1% 0.2%
Magnolia State Bank $490,000 $1,315,000 168.4% 0.2%
21ST MORTGAGE CORPORATION $1,590,000 $1,210,000 -23.9% 0.2%
Southern Bancorp Bank $1,210,000 n/a 0.2%
Paragon Bank $4,280,000 $1,185,000 -72.3% 0.2%
The Bank of Holly Springs $3,385,000 $1,175,000 -65.3% 0.2%
The Citizens National Bank of Meridian $1,535,000 $1,175,000 -23.5% 0.2%
First Security Bank $1,005,000 $1,170,000 16.4% 0.2%
MUTUAL OF OMAHA MORTGAGE, INC. $745,000 $1,170,000 57.0% 0.2%
HOME POINT FINANCIAL CORPORATION $1,145,000 n/a 0.2%
Independent Bank $1,395,000 $1,125,000 -19.4% 0.2%
KeyBank $1,125,000 n/a 0.2%
Nations Lending Corporation $865,000 $1,065,000 23.1% 0.2%
TIAA, FSB $535,000 $1,050,000 96.3% 0.2%
Carrington Mortgage Services, LLC $200,000 $1,030,000 415.0% 0.2%
GUARANTEED RATE, INC. $1,530,000 $930,000 -39.2% 0.2%
JPMorgan Chase Bank $4,365,000 $915,000 -79.0% 0.2%
Stifel Bank and Trust $195,000 $910,000 366.7% 0.2%
PRIMELENDING, A PLAINSCAPITAL COMPANY $1,125,000 $880,000 -21.8% 0.1%
Ally Bank $895,000 $870,000 -2.8% 0.1%
PENTAGON FEDERAL CREDIT UNION $855,000 n/a 0.1%
TRIAD FINANCIAL SERVICES, INC. $260,000 $855,000 228.8% 0.1%
CROSSCOUNTRY MORTGAGE, LLC $315,000 $830,000 163.5% 0.1%
Evolve Bank & Trust $215,000 $830,000 286.0% 0.1%
FIDELITY BANK $770,000 $805,000 4.5% 0.1%
The Bank of Fayette County $165,000 $790,000 378.8% 0.1%
North American Savings Bank, F.S.B. $375,000 $775,000 106.7% 0.1%
GUARANTY HOME MORTGAGE CORPORATION $245,000 $755,000 208.2% 0.1%
Peoples Bank $930,000 $735,000 -21.0% 0.1%
Citibank $155,000 $710,000 358.1% 0.1%
KEESLER $75,000 $700,000 833.3% 0.1%
PRIMARY RESIDENTIAL MORTGAGE, INC. $660,000 n/a 0.1%
The First, A National Banking Association $760,000 $635,000 -16.4% 0.1%
Citizens Bank $1,180,000 $625,000 -47.0% 0.1%
FirstBank $715,000 $585,000 -18.2% 0.1%
First Federal Bank $560,000 n/a 0.1%
NEWREZ LLC $155,000 $540,000 248.4% 0.1%
VILLAGE CAPITAL & INVESTMENT LLC $255,000 $535,000 109.8% 0.1%
Ameris Bank $510,000 n/a 0.1%
Paramount Residential Mortgage Group, Inc. $390,000 $500,000 28.2% 0.1%
Hamilton Mortgage Corporation $515,000 $495,000 -3.9% 0.1%
Commercial Bank & Trust Co. $485,000 n/a 0.1%
Wood & Huston Bank $480,000 n/a 0.1%
HOMEBRIDGE FINANCIAL SERVICES, INC. $225,000 $470,000 108.9% 0.1%
First Community Bank $165,000 $465,000 181.8% 0.1%
Citizens Bank & Trust Company of Vivian, Louisiana $95,000 $455,000 378.9% 0.1%
The Citizens Bank of Philadelphia, Mississippi $17,165,000 $455,000 -97.3% 0.1%
FINANCE OF AMERICA MORTGAGE LLC $470,000 $440,000 -6.4% 0.1%
FIRST SOUTH FINANCIAL $425,000 n/a 0.1%
GUILD MORTGAGE COMPANY $715,000 $420,000 -41.3% 0.1%
Simmons Bank $400,000 n/a 0.1%
Copiah Bank $395,000 n/a 0.1%
KS StateBank $385,000 n/a 0.1%
Plains Commerce Bank $380,000 n/a 0.1%
CapStar Bank $375,000 n/a 0.1%
LENDINGONE, LLC $375,000 n/a 0.1%
BARTLETT MORTGAGE, INC. $670,000 $370,000 -44.8% 0.1%
Baxter Credit Union $370,000 n/a 0.1%
DELMAR FINANCIAL COMPANY $590,000 $370,000 -37.3% 0.1%
Low VA Rates, LLC $175,000 $370,000 111.4% 0.1%
Hancock Whitney Bank $1,105,000 $360,000 -67.4% 0.1%
AMERICAN ADVISORS GROUP $25,000 $355,000 1,320.0% 0.1%
First Bank $175,000 $355,000 102.9% 0.1%
Patriot Bank $735,000 $355,000 -51.7% 0.1%
SOFI LENDING CORP. $165,000 $355,000 115.2% 0.1%
Triumph Bank $445,000 $355,000 -20.2% 0.1%
Inwood National Bank $185,000 $350,000 89.2% 0.1%
SWBC MORTGAGE CORPORATION $135,000 $350,000 159.3% 0.1%
RELIANCE FIRST CAPITAL, LLC $345,000 n/a 0.1%
InterContinental Capital Group, Inc $175,000 $340,000 94.3% 0.1%
BNC National Bank $335,000 n/a 0.1%
Reliant Bank $65,000 $330,000 407.7% 0.1%
INSOUTH Bank $315,000 n/a 0.1%
PLANET HOME LENDING, LLC $230,000 $315,000 37.0% 0.1%
CMG MORTGAGE, INC. $1,445,000 $305,000 -78.9% 0.1%
INTERLINC MORTGAGE SERVICES, LLC $1,210,000 $305,000 -74.8% 0.1%
CREDIT UNION MORTGAGE ASSOCIATION, INC. $295,000 n/a 0.0%
Sullivan Bank $295,000 n/a 0.0%
AMERICAN HOME LENDING USA, LLC $480,000 $285,000 -40.6% 0.0%
VANDERBILT MORTGAGE AND FINANCE, INC. $235,000 $285,000 21.3% 0.0%
First Western Bank & Trust $275,000 n/a 0.0%
PHH Mortgage Corporation $115,000 $265,000 130.4% 0.0%
River Bank & Trust $265,000 n/a 0.0%
VELOCITY COMMERCIAL CAPITAL, LLC $260,000 n/a 0.0%
Barrington Bank & Trust Company, N.A. $375,000 $255,000 -32.0% 0.0%
STATEWIDE FEDERAL CREDIT UNION $255,000 n/a 0.0%
Austin Capital Bank SSB $85,000 $245,000 188.2% 0.0%
FIRST COMMUNITY MORTGAGE, INC. $350,000 $245,000 -30.0% 0.0%
THRIVENT Federal Credit Union $245,000 n/a 0.0%
ANGEL OAK HOME LOANS LLC $95,000 $235,000 147.4% 0.0%
Cadence Bank, N.A. $235,000 n/a 0.0%
FINANCE OF AMERICA REVERSE LLC $235,000 n/a 0.0%
HOMESPIRE MORTGAGE CORPORATION $235,000 n/a 0.0%
HOMESTEAD FUNDING CORP. $235,000 n/a 0.0%
MORIA DEVELOPMENT, INC. $235,000 n/a 0.0%
SOUTHWEST FUNDING, LP $235,000 n/a 0.0%
Amarillo National Bank $225,000 n/a 0.0%
HSBC BANK USA, NATIONAL ASSOCIATION $125,000 $225,000 80.0% 0.0%
Leaders Credit Union $225,000 $225,000 0.0% 0.0%
American Bank & Trust Company $330,000 $220,000 -33.3% 0.0%
Great Southern Bank $585,000 $220,000 -62.4% 0.0%
Orion Federal Credit Union $220,000 n/a 0.0%
SOUTHWEST STAGE FUNDING, LLC $570,000 $220,000 -61.4% 0.0%
Charles Schwab Bank, SSB $215,000 n/a 0.0%
Colonial Savings, F.A. $215,000 n/a 0.0%
EVERETT FINANCIAL, INC. $1,250,000 $215,000 -82.8% 0.0%
US MORTGAGE CORPORATION $215,000 n/a 0.0%
ASSEMBLIES OF GOD Credit Union $205,000 n/a 0.0%
Goldwater Bank, N.A. $205,000 n/a 0.0%
ROYAL UNITED MORTGAGE LLC $75,000 $205,000 173.3% 0.0%
Chicago Mortgage Solutions LLC $195,000 n/a 0.0%
HOMESIDE FINANCIAL, LLC $195,000 n/a 0.0%
Magnolia Bank $2,755,000 $195,000 -92.9% 0.0%
OPEN MORTGAGE, LLC $195,000 n/a 0.0%
AMERICAN FINANCIAL RESOURCES, INC. $380,000 $185,000 -51.3% 0.0%
DRAPER AND KRAMER MORTGAGE CORP. $185,000 n/a 0.0%
KELLER MORTGAGE, LLC $185,000 n/a 0.0%
Memphis City Employees Credit Union $55,000 $185,000 236.4% 0.0%
Figure Lending LLC $40,000 $180,000 350.0% 0.0%
AMERICAN FINANCING CORPORATION $165,000 $175,000 6.1% 0.0%
COUNTRYPLACE MORTGAGE, LTD. $240,000 $175,000 -27.1% 0.0%
First National Bank of Picayune $175,000 n/a 0.0%
NBKC BANK $600,000 $175,000 -70.8% 0.0%
Progress Bank and Trust $165,000 $175,000 6.1% 0.0%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $125,000 $165,000 32.0% 0.0%
First Federal Savings and Loan Association $165,000 n/a 0.0%
First Home Bank $165,000 n/a 0.0%
Mid-Continent Funding, Inc. $165,000 n/a 0.0%
Manufacturers and Traders Trust Company $155,000 n/a 0.0%
STEARNS LENDING, LLC $155,000 n/a 0.0%
ZILLOW HOME LOANS, LLC $300,000 $155,000 -48.3% 0.0%
Capital City Home Loans, LLC $145,000 n/a 0.0%
FLAT BRANCH MORTGAGE, INC. $145,000 n/a 0.0%
MEMBER FIRST MORTGAGE, LLC $515,000 $145,000 -71.8% 0.0%
SouthPoint Bank $145,000 n/a 0.0%
TJC Mortgage, Inc. $145,000 n/a 0.0%
Wyndham Capital Mortgage, Inc. $145,000 n/a 0.0%
ACADEMY MORTGAGE CORPORATION $415,000 $135,000 -67.5% 0.0%
AMERICAN INTERNET MORTGAGE, INC. $310,000 $135,000 -56.5% 0.0%
FEDEX EMPLOYEES CREDIT ASSOCIATION $135,000 n/a 0.0%
Montgomery Bank $135,000 n/a 0.0%
Banterra Bank $125,000 n/a 0.0%
BOKF $125,000 n/a 0.0%
FORT FINANCIAL Federal Credit Union $175,000 $125,000 -28.6% 0.0%
Hometown Lenders, Inc. $205,000 $115,000 -43.9% 0.0%
LIBERTY HOME MORTGAGE CORPORATION $155,000 $115,000 -25.8% 0.0%
UNION HOME MORTGAGE CORP. $115,000 n/a 0.0%
Arvest Bank $225,000 $105,000 -53.3% 0.0%
PURDUE FEDERAL CREDIT UNION $695,000 $105,000 -84.9% 0.0%
RUOFF MORTGAGE COMPANY, INC. $105,000 n/a 0.0%
Broadway National Bank $95,000 n/a 0.0%
CORNERSTONE HOME LENDING, INC. $95,000 n/a 0.0%
ANGEL OAK MORTGAGE SOLUTIONS LLC $85,000 n/a 0.0%
Discover Bank $105,000 $85,000 -19.0% 0.0%
Amerifirst Financial, Inc. $65,000 n/a 0.0%
Truist Bank $55,000 n/a 0.0%
1st Franklin Financial Corporation $35,000 n/a 0.0%

Oxford's top lender by overall market share is Renasant Bank, with 14.0% market share. In second place, with 9.4%, is Regions Bank, having originated $56,860,000 in loans. In third place, with 8.9%, is BancorpSouth Bank, having originated $54,070,000 in loans. In third place, with 8.0%, is COMMUNITY MORTGAGE CORPORATION, having originated $48,565,000 in loans. In third place, with 7.9%, is Trustmark National Bank, having originated $47,915,000 in loans.


Oxford, MS Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 1,152 $313,840,000 $272,431
Refi 731 $192,745,000 $263,673
Cash Out Refi 315 $82,155,000 $260,810
Other 104 $11,100,000 $106,731
Home Improvement 45 $5,905,000 $131,222

Oxford's most frequently cited loan purpose was Home Purchase, with 1,152 originations. The 2nd most popular reason was Refi, with 731 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
3-4% 914 $210,740,000 $230,569
2.5-3% 817 $228,675,000 $279,896
<2.5% 334 $103,800,000 $310,778
4-5% 106 $15,560,000 $146,792
6-7% 23 $1,615,000 $70,217
Over 8% 14 $910,000 $65,000
5-6% 12 $1,270,000 $105,833
7-8% 9 $835,000 $92,778

During 2021, Oxford's most frequently originated rate bucket was 3-4%, with 914 originations.

Loan Sizing (Oxford, MS MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 900 $245,840,000 $273,156
$100k-200k 860 $130,020,000 $151,186
$100,000 or less 304 $19,320,000 $63,553
$400k-600k 192 $91,960,000 $478,958
$600k-1000k 60 $44,740,000 $745,667
$Over $1MM 31 $73,865,000 $2,382,742

Oxford's loan sizing saw the bucket of loans from $200k-400k with 900 originations, totaling $245,840,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 884 $227,530,000 $257,387
60-80% 774 $226,070,000 $292,080
40-60% 283 $69,735,000 $246,413
20-40% 125 $19,575,000 $156,600
Under 20% 121 $9,775,000 $80,785
Over 100% 19 $4,395,000 $231,316

Oxford's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 884 originations, totaling $227,530,000 in origination value.


Market Conditions (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 $319,500 (-5.8%) $376,002 (-6.6%) 0.00 395
2018-02-01 $325,000 (-3.5%) $372,459 (-5.5%) 0.00 403
2018-03-01 $335,000 (-2.1%) $381,218 (-5.5%) 0.00 410
2018-04-01 $342,400 (-1.0%) $385,176 (-4.5%) 0.00 429
2018-05-01 $332,450 (-4.6%) $376,172 (-9.3%) 0.00 453
2018-06-01 $313,500 (-10.2%) $369,547 (-10.4%) 0.00 467
2018-07-01 $305,000 (-12.9%) $364,938 (-9.2%) 0.00 470
2018-08-01 $289,500 (-12.0%) $351,760 (-10.0%) 0.00 483
2018-09-01 $265,000 (-21.5%) $341,576 (-13.4%) 0.00 512
2018-10-01 $262,950 (-20.1%) $333,951 (-12.6%) 0.00 508
2018-11-01 $263,000 (-19.5%) $334,947 (-10.0%) 0.00 484
2018-12-01 $261,000 (-17.4%) $338,596 (-6.6%) 0.00 476
2019-01-01 $260,450 (-18.5%) $337,736 (-10.2%) 0.00 454
2019-02-01 $253,425 (-22.0%) $337,731 (-9.3%) 0.00 499
2019-03-01 $261,529 (-21.9%) $340,934 (-10.6%) 0.00 520
2019-04-01 $264,479 (-22.8%) $344,304 (-10.6%) 0.00 540
2019-05-01 $272,500 (-18.0%) $356,411 (-5.3%) 0.00 552
2019-06-01 $275,000 (-12.3%) $365,873 (-1.0%) 0.00 566
2019-07-01 $275,900 (-9.5%) $371,744 (1.9%) 0.00 583
2019-08-01 $276,800 (-4.4%) $377,963 (7.5%) 0.00 533
2019-09-01 $277,850 (4.9%) $383,170 (12.2%) 0.00 478
2019-10-01 $284,900 (8.4%) $384,271 (15.1%) 0.00 469
2019-11-01 $284,900 (8.3%) $387,634 (15.7%) 0.00 454
2019-12-01 $277,000 (6.1%) $378,572 (11.8%) 0.00 405
2020-01-01 $265,500 (1.9%) $385,064 (14.0%) 0.00 380
2020-02-01 $259,900 (2.6%) $381,291 (12.9%) 0.00 435
2020-03-01 $264,250 (1.0%) $375,133 (10.0%) 0.00 447
2020-04-01 $265,250 (0.3%) $370,579 (7.6%) 0.00 449
2020-05-01 $265,000 (-2.8%) $377,752 (6.0%) 0.00 460
2020-06-01 $246,000 (-10.6%) $364,734 (-0.3%) 0.00 485
2020-07-01 $259,900 (-5.8%) $383,641 (3.2%) 0.00 480
2020-08-01 $265,000 (-4.3%) $380,431 (0.7%) 0.00 490
2020-09-01 $267,250 (-3.8%) $379,899 (-0.9%) 0.00 478
2020-10-01 $270,900 (-4.9%) $401,372 (4.5%) 0.00 479
2020-11-01 $267,000 (-6.3%) $409,337 (5.6%) 0.00 447
2020-12-01 $264,475 (-4.5%) $385,254 (1.8%) 0.00 433
2021-01-01 $264,000 (-0.6%) $379,476 (-1.5%) 0.00 405
2021-02-01 $297,450 (14.5%) $412,918 (8.3%) 0.00 368
2021-03-01 $297,000 (12.4%) $420,702 (12.2%) 0.00 348
2021-04-01 $350,950 (32.3%) $469,586 (26.7%) 0.00 318
2021-05-01 $389,000 (46.8%) $527,756 (39.7%) 0.00 228
2021-06-01 $395,000 (60.6%) $525,806 (44.2%) 0.00 230
2021-07-01 $428,750 (65.0%) $547,422 (42.7%) 0.00 217
2021-08-01 $421,260 (59.0%) $541,023 (42.2%) 0.00 204
2021-09-01 $419,260 (56.9%) $547,160 (44.0%) 0.00 200
2021-10-01 $389,000 (43.6%) $548,441 (36.6%) 0.00 179
2021-11-01 $409,500 (53.4%) $567,469 (38.6%) 0.00 162
2021-12-01 $431,450 (63.1%) $587,688 (52.6%) 0.00 128
2022-01-01 $450,000 (70.5%) $601,430 (58.5%) 0.00 106
2022-02-01 $492,000 (65.4%) $685,418 (66.0%) 0.00 79
2022-03-01 $489,950 (65.0%) $626,869 (49.0%) 0.00 94
2022-04-01 $499,900 (42.4%) $642,704 (36.9%) 0.00 95
2022-05-01 $447,500 (15.0%) $602,843 (14.2%) 0.00 111
Oxford's median listing price for 2022-05-01 was $447,500, a difference of $58,500 (15.0%) versus the prior year and $-52,400 versus the prior month.

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

Oxford's average listing price for 2022-05-01 was $602,843, a difference of $75,087 (14.2%) versus the prior year and $-39,861 versus the prior month.

For the 2022-05-01 period, Oxford had 111 MLS listings, a difference of 16 listings (17%) versus the prior month and -117 listings (-51%) 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 1,998 sqft
2018-03-01 0 days 2,054 sqft
2018-04-01 0 days 2,074 sqft
2018-05-01 0 days 2,077 sqft
2018-06-01 0 days 2,066 sqft
2018-07-01 0 days 2,058 sqft
2018-08-01 0 days 1,964 sqft
2018-09-01 0 days 1,888 sqft
2018-10-01 0 days 1,855 sqft
2018-11-01 0 days 1,840 sqft
2018-12-01 0 days 1,831 sqft
2019-01-01 0 days 1,803 sqft
2019-02-01 0 days 1,802 sqft
2019-03-01 0 days 1,791 sqft
2019-04-01 0 days 1,788 sqft
2019-05-01 0 days 1,842 sqft
2019-06-01 0 days 1,847 sqft
2019-07-01 0 days 1,859 sqft
2019-08-01 0 days 1,859 sqft
2019-09-01 0 days 1,858 sqft
2019-10-01 0 days 1,862 sqft
2019-11-01 0 days 1,864 sqft
2019-12-01 0 days 1,844 sqft
2020-01-01 0 days 1,858 sqft
2020-02-01 0 days 1,834 sqft
2020-03-01 0 days 1,808 sqft
2020-04-01 0 days 1,807 sqft
2020-05-01 0 days 1,804 sqft
2020-06-01 0 days 1,765 sqft
2020-07-01 0 days 1,800 sqft
2020-08-01 0 days 1,844 sqft
2020-09-01 0 days 1,862 sqft
2020-10-01 0 days 1,860 sqft
2020-11-01 0 days 1,844 sqft
2020-12-01 0 days 1,823 sqft
2021-01-01 0 days 1,856 sqft
2021-02-01 0 days 1,864 sqft
2021-03-01 0 days 1,864 sqft
2021-04-01 0 days 2,042 sqft
2021-05-01 0 days 2,120 sqft
2021-06-01 0 days 2,145 sqft
2021-07-01 0 days 2,211 sqft
2021-08-01 0 days 2,234 sqft
2021-09-01 0 days 2,055 sqft
2021-10-01 0 days 2,053 sqft
2021-11-01 0 days 2,050 sqft
2021-12-01 0 days 2,049 sqft
2022-01-01 0 days 2,039 sqft
2022-02-01 0 days 2,196 sqft
2022-03-01 0 days 2,112 sqft
2022-04-01 0 days 2,350 sqft
2022-05-01 0 days 2,113 sqft
Oxford's median listing age (time on market) for 2022-05-01 was 0 days.

Oxford's median square footage for active listings during the 2022-05-01 period was 2,113 sqft. One year prior, the average listing was 2,120 sqft.