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
6.85%
for the week of 2023-09-14, compared to the national average of
7.18% for the same period.
The average rate for the prior week (2023-09-07) was
6.69% and
one month ago for the week of 2023-08-10, the
average rate was 6.73%.
Oxford's average rate one year ago was 5.36%.
For refis of the same type during the week of 2023-09-14, the average rate
was 6.77%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2023-09-14 | 7.18% |
| Oxford 30 Year Fixed Rate | 2023-09-14 | 6.85% |
| Oxford 30 Year Fixed Rate Refi | 2023-09-14 | 6.77% |
| Oxford 15 Year Fixed Rate | 2023-09-14 | 6.71% |
| Oxford 15 Year Fixed Rate Refi | 2023-09-14 | 6.51% |
| Oxford 30 Year FHA | 2023-09-14 | 6.99% |
| Oxford 30 Year FHA Refi | 2023-09-14 | 6.79% |
| Oxford 30 Year USDA | 2023-09-14 | 7.18% |
| Oxford 30 Year USDA Refi | 2023-09-14 | 7.08% |
| Oxford 30 Year VA | 2023-09-14 | 7.01% |
| Oxford 30 Year VA Refi | 2023-09-14 | 6.91% |
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 114 lenders originated 1,524
loans during 2022. The total origination value was $494,560,000, with an average loan value of
$324,514.
Oxford's average closing costs are $4,232.
The top Oxford lender as defined by loan originations is Regions Bank, with
98 loans originated. Their average total fees are
$3,831, which is $1,185
lower than the next largest lender,
Renasant Bank.
The lowest fee Oxford lenders (with over 10 loans originated) are
Trustmark National Bank ($3,085), Origin Bank ($3,830), Regions Bank ($3,831), Wells Fargo Bank ($3,975) and COMMUNITY MORTGAGE CORPORATION ($4,279).
The lowest rate Oxford lenders (with over 10 loans originated) are
Renasant Bank (4.45%), Trustmark National Bank (4.46%), Regions Bank (4.65%), COMMUNITY MORTGAGE CORPORATION (4.67%) and BancorpSouth (4.67%).
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 | 2021 Loan Value | 2022 Loan Value | % Change | 2022 Market Share |
|---|---|---|---|---|
| Trustmark National Bank | $47,915,000 | $52,010,000 | 8.5% | 10.5% |
| Renasant Bank | $84,765,000 | $46,025,000 | -45.7% | 9.3% |
| BankPlus | $11,205,000 | $38,150,000 | 240.5% | 7.7% |
| Regions Bank | $56,860,000 | $33,660,000 | -40.8% | 6.8% |
| BancorpSouth Bank | $54,070,000 | $29,590,000 | -45.3% | 6.0% |
| First Commercial Bank | $13,695,000 | $23,360,000 | 70.6% | 4.7% |
| Peoples Bank of Alabama | $18,605,000 | n/a | 3.8% | |
| COMMUNITY MORTGAGE CORPORATION | $48,565,000 | $17,575,000 | -63.8% | 3.6% |
| Arbor Realty Trust, Inc. | $15,715,000 | n/a | 3.2% | |
| QUICKEN LOANS, LLC | $32,380,000 | $13,380,000 | -58.7% | 2.7% |
| FirstBank | $585,000 | $13,275,000 | 2,169.2% | 2.7% |
| Guaranty Bank and Trust Company | $11,005,000 | $9,165,000 | -16.7% | 1.9% |
| BankFirst Financial Services | $12,340,000 | $8,850,000 | -28.3% | 1.8% |
| First Security Bank | $1,170,000 | $8,660,000 | 640.2% | 1.8% |
| Bank of England | $9,465,000 | $8,085,000 | -14.6% | 1.6% |
| Flagstar Bank, FSB | $8,160,000 | $7,035,000 | -13.8% | 1.4% |
| Origin Bank | $5,225,000 | $6,795,000 | 30.0% | 1.4% |
| Sycamore Bank | $8,870,000 | $5,865,000 | -33.9% | 1.2% |
| Community Bank of Mississippi | $5,980,000 | $5,100,000 | -14.7% | 1.0% |
| MOVEMENT MORTGAGE, LLC | $6,840,000 | $4,640,000 | -32.2% | 0.9% |
| Paragon Bank | $1,185,000 | $3,975,000 | 235.4% | 0.8% |
| The Bank of Holly Springs | $1,175,000 | $3,780,000 | 221.7% | 0.8% |
| Wells Fargo Bank | $5,700,000 | $3,685,000 | -35.4% | 0.7% |
| Bank of America | $2,150,000 | $3,330,000 | 54.9% | 0.7% |
| First Horizon Bank | $6,035,000 | $3,175,000 | -47.4% | 0.6% |
| LOANDEPOT.COM, LLC | $8,215,000 | $2,890,000 | -64.8% | 0.6% |
| Citizens Bank | $625,000 | $2,840,000 | 354.4% | 0.6% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $4,010,000 | $2,600,000 | -35.2% | 0.5% |
| EVERETT FINANCIAL, INC. | $215,000 | $2,550,000 | 1,086.0% | 0.5% |
| Raymond James Bank | $1,520,000 | $2,535,000 | 66.8% | 0.5% |
| AmeriHome Mortgage Company, LLC | $2,460,000 | n/a | 0.5% | |
| CRESCENT MORTGAGE COMPANY | $4,720,000 | $2,450,000 | -48.1% | 0.5% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | $2,430,000 | n/a | 0.5% | |
| Mortgage Research Center, LLC | $4,255,000 | $2,290,000 | -46.2% | 0.5% |
| FREEDOM MORTGAGE CORPORATION | $6,530,000 | $2,270,000 | -65.2% | 0.5% |
| ANGEL OAK HOME LOANS LLC | $235,000 | $2,090,000 | 789.4% | 0.4% |
| Planters Bank & Trust Company | $3,000,000 | $1,990,000 | -33.7% | 0.4% |
| AMERISAVE MORTGAGE CORPORATION | $5,630,000 | $1,945,000 | -65.5% | 0.4% |
| USAA Federal Savings Bank | $1,625,000 | $1,895,000 | 16.6% | 0.4% |
| Pinnacle Bank | $1,550,000 | $1,785,000 | 15.2% | 0.4% |
| 21ST MORTGAGE CORPORATION | $1,210,000 | $1,645,000 | 36.0% | 0.3% |
| UNITED WHOLESALE MORTGAGE, LLC | $1,840,000 | $1,630,000 | -11.4% | 0.3% |
| REDSTONE Federal Credit Union | $1,555,000 | n/a | 0.3% | |
| Nations Lending Corporation | $1,065,000 | $1,545,000 | 45.1% | 0.3% |
| PriorityOne Bank | $1,675,000 | $1,425,000 | -14.9% | 0.3% |
| NAVY FEDERAL CREDIT UNION | $1,985,000 | $1,410,000 | -29.0% | 0.3% |
| Copiah Bank | $395,000 | $1,365,000 | 245.6% | 0.3% |
| Simmons Bank | $400,000 | $1,360,000 | 240.0% | 0.3% |
| BROKER SOLUTIONS, INC. | $1,675,000 | $1,310,000 | -21.8% | 0.3% |
| KEESLER | $700,000 | $1,275,000 | 82.1% | 0.3% |
| PNC Bank | $2,165,000 | $1,170,000 | -46.0% | 0.2% |
| UBS Bank USA | $1,150,000 | n/a | 0.2% | |
| Singing River Federal Credit Union | $1,105,000 | n/a | 0.2% | |
| Ally Bank | $870,000 | $1,100,000 | 26.4% | 0.2% |
| Morgan Stanley Private Bank | $1,670,000 | $1,070,000 | -35.9% | 0.2% |
| Magnolia Bank | $195,000 | $1,050,000 | 438.5% | 0.2% |
| The Citizens National Bank of Meridian | $1,175,000 | $990,000 | -15.7% | 0.2% |
| The Bank of Fayette County | $790,000 | $940,000 | 19.0% | 0.2% |
| GUARANTY HOME MORTGAGE CORPORATION | $755,000 | $925,000 | 22.5% | 0.2% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | $1,705,000 | $875,000 | -48.7% | 0.2% |
| Truist | $55,000 | $875,000 | 1,490.9% | 0.2% |
| Ameris Bank | $510,000 | $870,000 | 70.6% | 0.2% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $85,000 | $840,000 | 888.2% | 0.2% |
| BETTER MORTGAGE CORPORATION | $3,705,000 | $840,000 | -77.3% | 0.2% |
| Financial Federal Bank | $1,455,000 | $840,000 | -42.3% | 0.2% |
| JPMorgan Chase Bank | $915,000 | $825,000 | -9.8% | 0.2% |
| DELMAR FINANCIAL COMPANY | $370,000 | $800,000 | 116.2% | 0.2% |
| Discover Bank | $85,000 | $770,000 | 805.9% | 0.2% |
| CHEVRON | $765,000 | n/a | 0.2% | |
| Focus Bank | $755,000 | n/a | 0.2% | |
| NBKC BANK | $175,000 | $720,000 | 311.4% | 0.1% |
| First Federal Bank | $560,000 | $700,000 | 25.0% | 0.1% |
| Wyndham Capital Mortgage, Inc. | $145,000 | $700,000 | 382.8% | 0.1% |
| United Community Bank | $685,000 | n/a | 0.1% | |
| Hancock Whitney Bank | $360,000 | $680,000 | 88.9% | 0.1% |
| Barrington Bank & Trust Company, N.A. | $255,000 | $670,000 | 162.7% | 0.1% |
| Guaranty Bank & Trust, N.A. | $660,000 | n/a | 0.1% | |
| U.S. Bank | $2,295,000 | $660,000 | -71.2% | 0.1% |
| CapStar Bank | $375,000 | $645,000 | 72.0% | 0.1% |
| First Citizens National Bank | $645,000 | n/a | 0.1% | |
| CHURCHILL MORTGAGE CORPORATION | $1,390,000 | $630,000 | -54.7% | 0.1% |
| PENNYMAC LOAN SERVICES, LLC | $2,330,000 | $625,000 | -73.2% | 0.1% |
| CB&S Bank, Inc. | $620,000 | n/a | 0.1% | |
| GMFS LLC | $1,905,000 | $615,000 | -67.7% | 0.1% |
| American Airlines Federal Credit Union | $610,000 | n/a | 0.1% | |
| GUARANTEED RATE, INC. | $930,000 | $605,000 | -34.9% | 0.1% |
| MORTGAGE ACCESS CORP. | $600,000 | n/a | 0.1% | |
| Peoples Bank | $735,000 | $575,000 | -21.8% | 0.1% |
| BARTLETT MORTGAGE, INC. | $370,000 | $540,000 | 45.9% | 0.1% |
| RELIANCE FIRST CAPITAL, LLC | $345,000 | $510,000 | 47.8% | 0.1% |
| EVANSVILLE TEACHERS | $2,535,000 | $505,000 | -80.1% | 0.1% |
| BTH Bank | $485,000 | n/a | 0.1% | |
| The Central Trust Bank | $475,000 | n/a | 0.1% | |
| First Southern National Bank | $460,000 | n/a | 0.1% | |
| INLANTA MORTGAGE, INC. | $455,000 | n/a | 0.1% | |
| CALIBER HOME LOANS, INC. | $1,550,000 | $450,000 | -71.0% | 0.1% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $285,000 | $450,000 | 57.9% | 0.1% |
| Arvest Bank | $105,000 | $445,000 | 323.8% | 0.1% |
| NexBank | $435,000 | n/a | 0.1% | |
| S1L, Inc. | $435,000 | n/a | 0.1% | |
| Sunflower Bank | $425,000 | n/a | 0.1% | |
| First Federal Bank, A FSB | $415,000 | n/a | 0.1% | |
| Old National Bank | $27,810,000 | $405,000 | -98.5% | 0.1% |
| NEWREZ LLC | $540,000 | $375,000 | -30.6% | 0.1% |
| BANK OF LITTLE ROCK MORTGAGE CORPORATION | $365,000 | n/a | 0.1% | |
| COMMUNITYAMERICA | $365,000 | n/a | 0.1% | |
| FIDELITY BANK | $805,000 | $365,000 | -54.7% | 0.1% |
| First Federal Bank of Kansas City | $365,000 | n/a | 0.1% | |
| Mid-Continent Funding, Inc. | $165,000 | $360,000 | 118.2% | 0.1% |
| PHH Mortgage Corporation | $265,000 | $360,000 | 35.8% | 0.1% |
| The Citizens Bank of Philadelphia, Mississippi | $455,000 | $360,000 | -20.9% | 0.1% |
| The Federal Savings Bank | $355,000 | n/a | 0.1% | |
| FIRST COMMUNITY MORTGAGE, INC. | $245,000 | $350,000 | 42.9% | 0.1% |
| NEW DAY FINANCIAL, LLC | $350,000 | n/a | 0.1% | |
| BM Real Estate Services, Inc. | $335,000 | n/a | 0.1% | |
| NAVY ARMY COMMUNITY CREDIT UNION | $335,000 | n/a | 0.1% | |
| Southwest Airlines Federal Credit Union | $335,000 | n/a | 0.1% | |
| Carrington Mortgage Services, LLC | $1,030,000 | $320,000 | -68.9% | 0.1% |
| Eagle Bank and Trust Company | $2,660,000 | $320,000 | -88.0% | 0.1% |
| Independent Bank | $1,125,000 | $315,000 | -72.0% | 0.1% |
| PREMIA MORTGAGE, LLC | $315,000 | n/a | 0.1% | |
| ValleyStar Credit Union | $315,000 | n/a | 0.1% | |
| First Bank | $355,000 | $310,000 | -12.7% | 0.1% |
| TRIAD FINANCIAL SERVICES, INC. | $855,000 | $310,000 | -63.7% | 0.1% |
| Citizens Bank of Lafayette | $305,000 | n/a | 0.1% | |
| Commerce Home Mortgage, Inc. | $305,000 | n/a | 0.1% | |
| PLANET HOME LENDING, LLC | $315,000 | $305,000 | -3.2% | 0.1% |
| First National Bank of Eastern Arkansas | $300,000 | n/a | 0.1% | |
| INSOUTH Bank | $315,000 | $295,000 | -6.3% | 0.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $880,000 | $295,000 | -66.5% | 0.1% |
| The First National Bank of Jeanerette | $295,000 | n/a | 0.1% | |
| AMCAP MORTGAGE, LTD. | $285,000 | n/a | 0.1% | |
| Evolve Bank & Trust | $830,000 | $280,000 | -66.3% | 0.1% |
| Cornerstone First Mortgage, Inc | $275,000 | n/a | 0.1% | |
| KeyBank | $1,125,000 | $275,000 | -75.6% | 0.1% |
| Synovus Bank | $275,000 | n/a | 0.1% | |
| Union Savings Bank | $275,000 | n/a | 0.1% | |
| FirstBank Southwest | $265,000 | n/a | 0.1% | |
| First Midwest Bank of Dexter | $260,000 | n/a | 0.1% | |
| FCB Banks | $255,000 | n/a | 0.1% | |
| First Bank and Trust | $255,000 | n/a | 0.1% | |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $470,000 | $255,000 | -45.7% | 0.1% |
| Orion Federal Credit Union | $220,000 | $255,000 | 15.9% | 0.1% |
| Patriot Bank | $355,000 | $255,000 | -28.2% | 0.1% |
| Carrollton Bank | $245,000 | n/a | 0.0% | |
| Citizens Bank & Trust Company of Vivian, Louisiana | $455,000 | $245,000 | -46.2% | 0.0% |
| CROSSCOUNTRY MORTGAGE, LLC | $830,000 | $245,000 | -70.5% | 0.0% |
| Great Southern Bank | $220,000 | $245,000 | 11.4% | 0.0% |
| Assurance Financial Group, L.L.C. | $235,000 | n/a | 0.0% | |
| FINANCE OF AMERICA MORTGAGE LLC | $440,000 | $235,000 | -46.6% | 0.0% |
| Mr. Cooper ( Nationstar Mortgage ) | $3,195,000 | $235,000 | -92.6% | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | $295,000 | $225,000 | -23.7% | 0.0% |
| First FSB of Mascoutah | $225,000 | n/a | 0.0% | |
| First Internet Bank of Indiana | $225,000 | n/a | 0.0% | |
| Figure Lending LLC | $180,000 | $220,000 | 22.2% | 0.0% |
| MORIA DEVELOPMENT, INC. | $235,000 | $215,000 | -8.5% | 0.0% |
| Ixonia Bank | $205,000 | n/a | 0.0% | |
| Magnolia State Bank | $1,315,000 | $205,000 | -84.4% | 0.0% |
| Chambers Bank | $195,000 | n/a | 0.0% | |
| IMPAC MORTGAGE CORP. | $195,000 | n/a | 0.0% | |
| SeaTrust Mortgage Company | $195,000 | n/a | 0.0% | |
| SOUTHWEST STAGE FUNDING, LLC | $220,000 | $195,000 | -11.4% | 0.0% |
| Bank of Yazoo City | $190,000 | n/a | 0.0% | |
| MID AMERICA MORTGAGE, INC. | $185,000 | n/a | 0.0% | |
| MORTGAGE INVESTORS GROUP, INC. | $1,330,000 | $185,000 | -86.1% | 0.0% |
| CMG MORTGAGE, INC. | $305,000 | $175,000 | -42.6% | 0.0% |
| DRAPER AND KRAMER MORTGAGE CORP. | $185,000 | $175,000 | -5.4% | 0.0% |
| Fifth Third Bank | $175,000 | n/a | 0.0% | |
| First Security Bank | $1,170,000 | $175,000 | -85.0% | 0.0% |
| Midland States Bank | $175,000 | n/a | 0.0% | |
| The Peoples Bank, Biloxi, Mississippi | $175,000 | n/a | 0.0% | |
| VILLAGE CAPITAL MORTGAGE | $535,000 | $175,000 | -67.3% | 0.0% |
| AMERICAN FINANCING CORPORATION | $175,000 | $165,000 | -5.7% | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | $1,395,000 | $165,000 | -88.2% | 0.0% |
| RIVERTRUST Federal Credit Union | $165,000 | n/a | 0.0% | |
| CORNERSTONE HOME LENDING, INC. | $95,000 | $155,000 | 63.2% | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | $855,000 | $155,000 | -81.9% | 0.0% |
| SIRVA MORTGAGE, INC. | $155,000 | n/a | 0.0% | |
| AMERICAN HERITAGE LENDING, INC. | $145,000 | n/a | 0.0% | |
| Bank of Bartlett | $145,000 | n/a | 0.0% | |
| Northpointe Bank | $145,000 | n/a | 0.0% | |
| STOCKTON MORTGAGE CORPORATION | $145,000 | n/a | 0.0% | |
| TOWNE MORTGAGE COMPANY | $145,000 | n/a | 0.0% | |
| Stifel Bank and Trust | $910,000 | $135,000 | -85.2% | 0.0% |
| First Bank | $355,000 | $125,000 | -64.8% | 0.0% |
| Liberty Bank | $125,000 | n/a | 0.0% | |
| National Bank of St. Anne | $125,000 | n/a | 0.0% | |
| NFM, INC. | $125,000 | n/a | 0.0% | |
| Progress Bank and Trust | $175,000 | $125,000 | -28.6% | 0.0% |
| ROYAL UNITED MORTGAGE LLC | $205,000 | $125,000 | -39.0% | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $115,000 | n/a | 0.0% | |
| Wood & Huston Bank | $480,000 | $115,000 | -76.0% | 0.0% |
| CSL Financial, LLC | $105,000 | n/a | 0.0% | |
| The Bank of Missouri | $95,000 | n/a | 0.0% | |
| AMERICAN ADVISORS GROUP | $355,000 | $85,000 | -76.1% | 0.0% |
| COUNTRYPLACE MORTGAGE, LTD. | $175,000 | $85,000 | -51.4% | 0.0% |
| EMBRACE HOME LOANS, INC. | $75,000 | n/a | 0.0% | |
| RUOFF MORTGAGE COMPANY, INC. | $105,000 | $75,000 | -28.6% | 0.0% |
| CORPORATE AMERICA FAMILY | $65,000 | n/a | 0.0% | |
| Great Southern Bank | $220,000 | $65,000 | -70.5% | 0.0% |
| Baxter Credit Union | $370,000 | $55,000 | -85.1% | 0.0% |
Oxford's top lender by overall market share is Trustmark National Bank, with 10.5% market share. In second place, with 9.3%, is Renasant Bank, having originated $46,025,000 in loans. In third place, with 7.7%, is BankPlus, having originated $38,150,000 in loans. In fourth place, with 6.8%, is Regions Bank, having originated $33,660,000 in loans. In fifth place, with 6.0%, is BancorpSouth Bank, having originated $29,590,000 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 | $317,700 (-6.0%) | $369,723 (-6.8%) | 0.00 | 393 |
| 2018-02-01 | $319,950 (-4.2%) | $369,564 (-4.5%) | 0.00 | 404 |
| 2018-03-01 | $329,000 (-3.0%) | $378,072 (-4.7%) | 0.00 | 411 |
| 2018-04-01 | $336,000 (-1.1%) | $379,207 (-4.8%) | 0.00 | 431 |
| 2018-05-01 | $325,000 (-6.3%) | $369,051 (-10.0%) | 0.00 | 456 |
| 2018-06-01 | $309,000 (-11.1%) | $364,260 (-10.8%) | 0.00 | 469 |
| 2018-07-01 | $299,450 (-14.4%) | $360,143 (-9.7%) | 0.00 | 472 |
| 2018-08-01 | $284,925 (-11.9%) | $348,371 (-8.9%) | 0.00 | 486 |
| 2018-09-01 | $265,000 (-19.7%) | $337,904 (-12.5%) | 0.00 | 517 |
| 2018-10-01 | $259,175 (-21.2%) | $330,121 (-11.7%) | 0.00 | 515 |
| 2018-11-01 | $259,225 (-19.0%) | $330,076 (-9.7%) | 0.00 | 490 |
| 2018-12-01 | $261,000 (-17.1%) | $334,293 (-6.0%) | 0.00 | 482 |
| 2019-01-01 | $257,950 (-18.8%) | $335,440 (-9.3%) | 0.00 | 459 |
| 2019-02-01 | $251,100 (-21.5%) | $336,028 (-9.1%) | 0.00 | 505 |
| 2019-03-01 | $256,857 (-21.9%) | $338,534 (-10.5%) | 0.00 | 528 |
| 2019-04-01 | $260,482 (-22.5%) | $340,109 (-10.3%) | 0.00 | 551 |
| 2019-05-01 | $269,350 (-17.1%) | $352,120 (-4.6%) | 0.00 | 566 |
| 2019-06-01 | $274,900 (-11.0%) | $363,168 (-0.3%) | 0.00 | 578 |
| 2019-07-01 | $274,950 (-8.2%) | $370,602 (2.9%) | 0.00 | 595 |
| 2019-08-01 | $276,291 (-3.0%) | $374,882 (7.6%) | 0.00 | 557 |
| 2019-09-01 | $278,377 (5.1%) | $380,106 (12.5%) | 0.00 | 509 |
| 2019-10-01 | $282,450 (9.0%) | $381,152 (15.5%) | 0.00 | 476 |
| 2019-11-01 | $279,250 (7.7%) | $381,874 (15.7%) | 0.00 | 458 |
| 2019-12-01 | $269,800 (3.4%) | $372,124 (11.3%) | 0.00 | 407 |
| 2020-01-01 | $265,000 (2.7%) | $381,493 (13.7%) | 0.00 | 382 |
| 2020-02-01 | $259,900 (3.5%) | $379,607 (13.0%) | 0.00 | 433 |
| 2020-03-01 | $260,350 (1.4%) | $370,280 (9.4%) | 0.00 | 446 |
| 2020-04-01 | $263,350 (1.1%) | $367,232 (8.0%) | 0.00 | 448 |
| 2020-05-01 | $263,750 (-2.1%) | $373,395 (6.0%) | 0.00 | 459 |
| 2020-06-01 | $242,863 (-11.7%) | $360,713 (-0.7%) | 0.00 | 487 |
| 2020-07-01 | $255,525 (-7.1%) | $379,317 (2.4%) | 0.00 | 477 |
| 2020-08-01 | $265,500 (-3.9%) | $382,230 (2.0%) | 0.00 | 487 |
| 2020-09-01 | $267,250 (-4.0%) | $378,974 (-0.3%) | 0.00 | 480 |
| 2020-10-01 | $269,000 (-4.8%) | $395,884 (3.9%) | 0.00 | 477 |
| 2020-11-01 | $265,500 (-4.9%) | $404,832 (6.0%) | 0.00 | 448 |
| 2020-12-01 | $262,075 (-2.9%) | $381,860 (2.6%) | 0.00 | 434 |
| 2021-01-01 | $264,200 (-0.3%) | $378,490 (-0.8%) | 0.00 | 408 |
| 2021-02-01 | $291,625 (12.2%) | $411,358 (8.4%) | 0.00 | 375 |
| 2021-03-01 | $297,450 (14.3%) | $419,406 (13.3%) | 0.00 | 355 |
| 2021-04-01 | $348,500 (32.3%) | $466,469 (27.0%) | 0.00 | 323 |
| 2021-05-01 | $379,000 (43.7%) | $517,562 (38.6%) | 0.00 | 235 |
| 2021-06-01 | $396,725 (63.4%) | $524,392 (45.4%) | 0.00 | 235 |
| 2021-07-01 | $429,950 (68.3%) | $551,982 (45.5%) | 0.00 | 219 |
| 2021-08-01 | $418,130 (57.5%) | $539,346 (41.1%) | 0.00 | 208 |
| 2021-09-01 | $399,975 (49.7%) | $546,517 (44.2%) | 0.00 | 206 |
| 2021-10-01 | $389,000 (44.6%) | $546,820 (38.1%) | 0.00 | 181 |
| 2021-11-01 | $389,000 (46.5%) | $559,956 (38.3%) | 0.00 | 163 |
| 2021-12-01 | $429,106 (63.7%) | $577,633 (51.3%) | 0.00 | 132 |
| 2022-01-01 | $449,900 (70.3%) | $597,110 (57.8%) | 0.00 | 108 |
| 2022-02-01 | $490,575 (68.2%) | $666,941 (62.1%) | 0.00 | 82 |
| 2022-03-01 | $481,850 (62.0%) | $608,108 (45.0%) | 0.00 | 98 |
| 2022-04-01 | $499,000 (43.2%) | $622,545 (33.5%) | 0.00 | 99 |
| 2022-05-01 | $434,913 (14.8%) | $575,444 (11.2%) | 0.00 | 116 |
| 2022-06-01 | $398,000 (0.3%) | $545,338 (4.0%) | 0.00 | 141 |
| 2022-07-01 | $399,500 (-7.1%) | $538,916 (-2.4%) | 0.00 | 170 |
| 2022-08-01 | $446,950 (6.9%) | $551,186 (2.2%) | 0.00 | 163 |
| 2022-09-01 | $427,500 (6.9%) | $561,960 (2.8%) | 0.00 | 155 |
| 2022-10-01 | $454,900 (16.9%) | $560,708 (2.5%) | 0.00 | 161 |
| 2022-11-01 | $495,000 (27.3%) | $575,972 (2.9%) | 0.00 | 151 |
| 2022-12-01 | $495,000 (15.4%) | $581,935 (0.7%) | 0.00 | 122 |
| 2023-01-01 | $475,000 (5.6%) | $552,489 (-7.5%) | 0.00 | 135 |
| 2023-02-01 | $486,125 (-0.9%) | $568,350 (-14.8%) | 0.00 | 126 |
| 2023-03-01 | $449,000 (-6.8%) | $539,781 (-11.2%) | 0.00 | 129 |
| 2023-04-01 | $449,900 (-9.8%) | $546,004 (-12.3%) | 0.00 | 138 |
| 2023-05-01 | $447,500 (2.9%) | $562,559 (-2.2%) | 0.00 | 131 |
| 2023-06-01 | $445,000 (11.8%) | $559,627 (2.6%) | 0.00 | 133 |
| 2023-07-01 | $450,000 (12.6%) | $599,966 (11.3%) | 0.00 | 130 |
| 2023-08-01 | $479,450 (7.3%) | $599,112 (8.7%) | 0.00 | 144 |
Oxford's median listing price for 2023-08-01 was $479,450, a difference of
$32,500
(7.3%) versus the prior year and
$29,450 versus the prior month.
Oxford's median listing price comes in at 0% of the national average.
Oxford's average listing price for 2023-08-01 was $599,112, a difference of $47,926 (8.7%) versus the prior year and $-854 versus the prior month.
For the 2023-08-01 period, Oxford had 144 MLS listings, a difference of 14 listings (11%) versus the prior month and -19 listings (-12%) versus the prior year.
Oxford's median listing price comes in at 0% of the national average.
Oxford's average listing price for 2023-08-01 was $599,112, a difference of $47,926 (8.7%) versus the prior year and $-854 versus the prior month.
For the 2023-08-01 period, Oxford had 144 MLS listings, a difference of 14 listings (11%) versus the prior month and -19 listings (-12%) 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 | 1,927 sqft |
| 2018-02-01 | 0 days | 2,048 sqft |
| 2018-03-01 | 0 days | 2,068 sqft |
| 2018-04-01 | 0 days | 2,072 sqft |
| 2018-05-01 | 0 days | 2,074 sqft |
| 2018-06-01 | 0 days | 2,060 sqft |
| 2018-07-01 | 0 days | 2,033 sqft |
| 2018-08-01 | 0 days | 1,953 sqft |
| 2018-09-01 | 0 days | 1,872 sqft |
| 2018-10-01 | 0 days | 1,845 sqft |
| 2018-11-01 | 0 days | 1,831 sqft |
| 2018-12-01 | 0 days | 1,827 sqft |
| 2019-01-01 | 0 days | 1,802 sqft |
| 2019-02-01 | 0 days | 1,802 sqft |
| 2019-03-01 | 0 days | 1,818 sqft |
| 2019-04-01 | 0 days | 1,829 sqft |
| 2019-05-01 | 0 days | 1,845 sqft |
| 2019-06-01 | 0 days | 1,858 sqft |
| 2019-07-01 | 0 days | 1,859 sqft |
| 2019-08-01 | 0 days | 1,860 sqft |
| 2019-09-01 | 0 days | 1,860 sqft |
| 2019-10-01 | 0 days | 1,862 sqft |
| 2019-11-01 | 0 days | 1,859 sqft |
| 2019-12-01 | 0 days | 1,839 sqft |
| 2020-01-01 | 0 days | 1,850 sqft |
| 2020-02-01 | 0 days | 1,836 sqft |
| 2020-03-01 | 0 days | 1,806 sqft |
| 2020-04-01 | 0 days | 1,806 sqft |
| 2020-05-01 | 0 days | 1,800 sqft |
| 2020-06-01 | 0 days | 1,758 sqft |
| 2020-07-01 | 0 days | 1,800 sqft |
| 2020-08-01 | 0 days | 1,847 sqft |
| 2020-09-01 | 0 days | 1,858 sqft |
| 2020-10-01 | 0 days | 1,854 sqft |
| 2020-11-01 | 0 days | 1,831 sqft |
| 2020-12-01 | 0 days | 1,813 sqft |
| 2021-01-01 | 0 days | 1,860 sqft |
| 2021-02-01 | 0 days | 1,863 sqft |
| 2021-03-01 | 0 days | 1,868 sqft |
| 2021-04-01 | 0 days | 2,033 sqft |
| 2021-05-01 | 0 days | 2,100 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 | 2,053 sqft |
| 2021-10-01 | 0 days | 2,053 sqft |
| 2021-11-01 | 0 days | 2,052 sqft |
| 2021-12-01 | 0 days | 2,049 sqft |
| 2022-01-01 | 0 days | 2,039 sqft |
| 2022-02-01 | 0 days | 2,162 sqft |
| 2022-03-01 | 0 days | 2,062 sqft |
| 2022-04-01 | 0 days | 2,350 sqft |
| 2022-05-01 | 0 days | 2,097 sqft |
| 2022-06-01 | 0 days | 2,022 sqft |
| 2022-07-01 | 0 days | 1,997 sqft |
| 2022-08-01 | 0 days | 2,021 sqft |
| 2022-09-01 | 0 days | 2,060 sqft |
| 2022-10-01 | 0 days | 2,061 sqft |
| 2022-11-01 | 0 days | 2,272 sqft |
| 2022-12-01 | 0 days | 2,346 sqft |
| 2023-01-01 | 0 days | 2,098 sqft |
| 2023-02-01 | 0 days | 2,077 sqft |
| 2023-03-01 | 0 days | 1,912 sqft |
| 2023-04-01 | 0 days | 1,925 sqft |
| 2023-05-01 | 0 days | 1,922 sqft |
| 2023-06-01 | 0 days | 2,077 sqft |
| 2023-07-01 | 0 days | 2,100 sqft |
| 2023-08-01 | 0 days | 2,122 sqft |
Oxford's median listing age (time on market) for 2023-08-01 was 0 days.
Oxford's median square footage for active listings during the 2023-08-01 period was 2,122 sqft. One year prior, the average listing was 2,021 sqft.
Oxford's median square footage for active listings during the 2023-08-01 period was 2,122 sqft. One year prior, the average listing was 2,021 sqft.
Oxford, MS Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 937 | $304,825,000 | $325,320 |
| Refi | 276 | $115,500,000 | $418,478 |
| Cash Out Refi | 140 | $49,460,000 | $353,286 |
| Other | 114 | $17,400,000 | $152,632 |
| Home Improvement | 57 | $7,375,000 | $129,386 |
Oxford's most frequently cited loan purpose was Home Purchase, with 937 originations. The 2nd most popular reason was Refi, with 276 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 360 | $119,480,000 | $331,889 |
| 4-5% | 352 | $119,650,000 | $339,915 |
| 5-6% | 322 | $96,250,000 | $298,913 |
| 6-7% | 163 | $37,745,000 | $231,564 |
| 2.5-3% | 76 | $20,900,000 | $275,000 |
| <2.5% | 46 | $19,530,000 | $424,565 |
| 7-8% | 41 | $6,335,000 | $154,512 |
| Over 8% | 26 | $2,550,000 | $98,077 |
During 2022, Oxford's most frequently originated rate bucket was 3-4%, with 360 originations.
Loan Sizing (Oxford, MS MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 578 | $159,670,000 | $276,246 |
| $100k-200k | 473 | $70,785,000 | $149,651 |
| $100,000 or less | 221 | $13,245,000 | $59,932 |
| $400k-600k | 155 | $73,275,000 | $472,742 |
| $600k-1000k | 66 | $48,540,000 | $735,455 |
| $Over $1MM | 31 | $129,045,000 | $4,162,742 |
Oxford's loan sizing saw the bucket of loans from $200k-400k with 578 originations, totaling $159,670,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 505 | $150,605,000 | $298,228 |
| 60-80% | 467 | $172,215,000 | $368,769 |
| 40-60% | 158 | $67,920,000 | $429,873 |
| Under 20% | 126 | $9,420,000 | $74,762 |
| 20-40% | 112 | $16,540,000 | $147,679 |
| Over 100% | 11 | $4,325,000 | $393,182 |
Oxford's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 505 originations, totaling $150,605,000 in origination value.