Mortgage Lenders and Brokers in Oxford, Alabama
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Oxford, Alabama mortgage lenders include First Bank of AlabamaFirst Bank of Alabama815 Hamric Dr E, Oxford, AL 36203C+4.0 ★Texas Ratio: 26.59%, Regions BankRegions Bank804 Quintard Dr, Oxford, AL 36203A+5.0 ★Texas Ratio: 4.37%, Farmers and Merchants BankFarmers and Merchants Bank35 Ali Way, Oxford, AL 36203A+5.0 ★Texas Ratio: 3.75%, Truist BankTruist Bank404 Hamric Dr E, Oxford, AL 36203A+5.0 ★Texas Ratio: 2.87%, Investar BankInvestar Bank1320 Highway Dr, Oxford, AL 36203A+5.0 ★Texas Ratio: 5.42%, PNC Bank N.A.PNC Bank N.A.720 Quintard Dr, Oxford, AL 36203A+5.0 ★Texas Ratio: 4.24%, Ameris BankAmeris Bank204 Kirkland St, Abbeville, AL 36310A+5.0 ★Texas Ratio: 1.82%, Aod Federal Credit UnionAod Federal Credit Union12 Elm St, Oxford, AL 36203, FirstbankFirstbank615 Quintard Ave, Anniston, AL 36201A5.0 ★Texas Ratio: 7.51%, and Emblem Credit UnionEmblem Credit Union2020 US Highway 78 E, Oxford, AL 36203 2057A+5.0 ★Texas Ratio: 4.02%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Oxford, Alabama in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Oxford are listed first, then lenders elsewhere in Alabama, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in Oxford, Alabama
Market share is the lender's share of all home loans closed in Oxford, Alabama. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
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1 office in Oxford 815 Hamric Dr E, Oxford, AL 36203 C+4.0 ★Texas Ratio: 26.59% |
Conventional | 13 | 2.5% | 93.3% | $182,692 | View |
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1 office in Oxford 804 Quintard Dr, Oxford, AL 36203 A+5.0 ★Texas Ratio: 4.37% |
Conventional, FHA, HELOC | 8 +10 HELOCs |
1.5% | 40.7% | $72,500 | View |
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1 office in Oxford 35 Ali Way, Oxford, AL 36203 A+5.0 ★Texas Ratio: 3.75% |
Conventional | 6 | 1.2% | 100% | $238,333 | View |
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★ 1 stars, 1 review 1 office in Oxford 404 Hamric Dr E, Oxford, AL 36203 A+5.0 ★Texas Ratio: 2.87% |
Conventional, FHA, HELOC | 4 +4 HELOCs |
0.8% | 100% | $195,000 | View |
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1 office in Oxford 1320 Highway Dr, Oxford, AL 36203 A+5.0 ★Texas Ratio: 5.42% |
Conventional | 3 | 0.6% | 100% | $78,333 | View |
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★ 1.7 stars, 3 reviews 1 office in Oxford 720 Quintard Dr, Oxford, AL 36203 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +5 HELOCs |
0% | n/a | View | |
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★ 4 stars, 1 review 204 Kirkland St, Abbeville, AL 36310 A+5.0 ★Texas Ratio: 1.82% |
Conventional, FHA, VA | 25 | 4.8% | 100% | $257,400 | View |
Aod Federal Credit Union
12 Elm St, Oxford, AL 36203 |
Conventional | 12 | 2.3% | 92.3% | $211,666 | |
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615 Quintard Ave, Anniston, AL 36201 A5.0 ★Texas Ratio: 7.51% |
Conventional, FHA, HELOC | 8 +2 HELOCs |
1.5% | 75% | $112,500 | View |
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2020 US Highway 78 E, Oxford, AL 36203 2057 A+5.0 ★Texas Ratio: 4.02% |
Conventional, HELOC | 6 +3 HELOCs |
1.2% | 72.7% | $188,333 | View |
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1096 N Brindlee Mountain Pkwy, Arab, AL 35016 F2.8 ★Texas Ratio: 41.33% |
Conventional, FHA, VA | 6 | 1.2% | 100% | $190,000 | View |
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35489 Ushwy 231, Ashville, AL 35953 A+5.0 ★Texas Ratio: 5.61% |
Conventional | 6 | 1.2% | 100% | $108,333 | View |
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1943 E Glenn Ave, Auburn, AL 36830 A+5.0 ★Texas Ratio: 4.72% |
Conventional, VA | 5 | 1% | 100% | $249,000 | View |
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5301 Highway 69 S, Tuscaloosa, AL 35405 A+5.0 ★Texas Ratio: 2.80% |
Conventional, FHA | 4 | 0.8% | 100% | $255,000 | View |
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185 N College St, Auburn, AL 36830 A+5.0 ★Texas Ratio: 3.68% |
VA | 1 | 0.2% | 100% | $435,000 | View |
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2320 Moores Mill Rd, Auburn, AL 36830 A5.0 ★Texas Ratio: 8.75% |
Conventional | 1 | 0.2% | 100% | $235,000 | View |
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112 N Jefferson St, Athens, AL 35611 A+5.0 ★Texas Ratio: 3.04% |
Conventional | 1 | 0.2% | 100% | $175,000 | View |
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3617 Highway 280, Alexander City, AL 35010 A+5.0 ★Texas Ratio: 4.39% |
Conventional | 1 | 0.2% | 100% | $385,000 | View |
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121 Billy B Dyar Boulevard, Boaz, AL 35957 A+5.0 ★Texas Ratio: 1.40% |
Conventional | 1 | 0.2% | 100% | $175,000 | View |
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1263 West Main Street, Dothan, AL 36301 A+5.0 ★Texas Ratio: 4.80% |
FHA | 1 | 0.2% | 100% | $195,000 | View |
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9331 Highway 119, Alabaster, AL 35007 A+5.0 ★Texas Ratio: 1.93% |
Conventional | 1 | 0.2% | 100% | $155,000 | View |
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2549 South Blvd, Brewton, AL 36426 A5.0 ★Texas Ratio: 6.53% |
Conventional | 1 | 0.2% | 50% | $205,000 | View |
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1069 N Main St, Arab, AL 35016 A+5.0 ★Texas Ratio: 2.10% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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1216 Wilmer Ave, Anniston, AL 36201 A5.0 ★Texas Ratio: 6.56% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
America'S First Federal CU
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Conventional, HELOC | 3 +14 HELOCs |
0.6% | 100% | $161,666 | |
Consumer First Mortgage, Inc.
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USDA | 1 | 0.2% | 100% | $315,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 51 | 9.8% | 80% | $166,372 | |
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 34 +1 HELOCs |
6.5% | 89.5% | $265,000 | |
Fairway Independent Mort Corp
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Conventional, FHA, VA | 31 | 6% | 91.2% | $183,387 | |
Acopia, LLC
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Conventional, FHA, VA | 23 | 4.4% | 100% | $166,739 | |
Lendlo Mortgage, LLC
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Conventional, FHA, VA | 18 | 3.5% | 100% | $184,444 | |
Mortgage Research Center
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Conventional, VA | 18 | 3.5% | 90% | $250,555 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional, FHA, VA | 14 | 2.7% | 39.5% | $148,571 | |
Success Mortgage Partners, Inc
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Conventional, FHA, VA | 13 | 2.5% | 100% | $159,615 | |
Freedom Mortgage Corporation
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FHA, VA | 12 | 2.3% | 76.5% | $270,000 | |
Lennar Mortgage, LLC
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Conventional, FHA, VA, USDA | 12 | 2.3% | 85.7% | $190,000 | |
Atlantic Bay Mortgage Group
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Conventional, FHA, VA | 11 | 2.1% | 91.7% | $211,363 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 9 | 1.7% | 90.9% | $183,888 | |
Guild Mortgage Company
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Conventional, FHA | 8 | 1.5% | 88.9% | $156,250 | |
Nationstar Mortgage
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Conventional, VA | 7 | 1.3% | 63.6% | $172,142 | |
Southwest Funding LP
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FHA | 7 | 1.3% | 100% | $213,571 | |
Newrez LLC
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Conventional, FHA, VA | 6 | 1.2% | 60% | $155,000 | |
Movement Mortgage, LLC
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Conventional, FHA | 6 | 1.2% | 85.7% | $165,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 5 +2 HELOCs |
1% | 83.3% | $107,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, HELOC | 5 +1 HELOCs |
1% | 55.6% | $157,000 | |
Planet Home Lending, LLC
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VA | 5 | 1% | 83.3% | $303,000 | |
Towne Mortgage Company
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FHA, VA | 5 | 1% | 100% | $241,000 | |
New American Funding, LLC.
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Conventional, FHA | 5 | 1% | 100% | $97,000 | |
21St Mortgage
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Conventional | 5 | 1% | 33.3% | $83,000 | |
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A4.6 ★Texas Ratio: 2.08% |
Conventional, FHA, VA | 4 | 0.8% | 100% | $202,500 | View |
Kind Lending, LLC
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Conventional, FHA | 4 | 0.8% | 80% | $190,000 | |
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A+5.0 ★Texas Ratio: 1.51% |
Conventional | 4 | 0.8% | 72.7% | $97,500 | View |
Hunt Mortgage Corporation
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Conventional, FHA | 4 | 0.8% | 100% | $290,000 | |
loanDepot.com LLC
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Conventional, HELOC | 3 +1 HELOCs |
0.6% | 60% | $71,666 | |
Premier Mortgage Resources, LLC
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Conventional, FHA | 3 | 0.6% | 100% | $128,333 | |
Gold Star Mortgage Financial Group, Corporation
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Conventional, FHA | 3 | 0.6% | 100% | $91,666 | |
Canopy Mortgage, LLC
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Conventional, VA | 3 | 0.6% | 100% | $205,000 | |
Amerisave Mortgage Company
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Conventional | 3 | 0.6% | 21.4% | $65,000 | |
Stockton Mortgage Corporation
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FHA | 3 | 0.6% | 75% | $191,666 | |
Mortgage Solutions of Colorado
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VA | 3 | 0.6% | 100% | $208,333 | |
Plaza Home Mortgage, Inc
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Conventional, FHA, VA | 3 | 0.6% | 60% | $108,333 | |
Lakeview Loan Servicing, LLC
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FHA | 2 | 0.4% | 33.3% | $155,000 | |
Loanunited.Com, LLC
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Conventional, FHA | 2 | 0.4% | 100% | $120,000 | |
Discover Bank
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Conventional | 2 | 0.4% | 28.6% | $60,000 | |
Sun West Mortgage Company, Inc
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FHA, VA | 2 | 0.4% | 100% | $200,000 | |
Click n' Close, Inc.
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Conventional, FHA | 2 | 0.4% | 100% | $100,000 | |
New Day Financial, LLC.
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VA | 2 | 0.4% | 50% | $210,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
VA | 2 | 0.4% | 100% | $290,000 | View |
The Loan Store, Inc
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Conventional | 2 | 0.4% | 100% | $140,000 | |
Zillow Home Loans, LLC
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Conventional, FHA | 2 | 0.4% | 100% | $175,000 | |
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A+5.0 ★Texas Ratio: 2.14% |
Conventional, FHA | 2 | 0.4% | 100% | $90,000 | View |
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B+4.8 ★Texas Ratio: 16.98% |
Conventional, VA | 2 | 0.4% | 66.7% | $325,000 | View |
Better Mortgage Corporation
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FHA, HELOC | 1 +1 HELOCs |
0.2% | 50% | $275,000 | |
EMM Loans LLC
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FHA | 1 | 0.2% | 100% | $245,000 | |
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A+5.0 ★Texas Ratio: 2.15% |
Conventional | 1 | 0.2% | 100% | $185,000 | View |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 0.2% | 100% | $195,000 | View |
Cornerstone First Mortgage, LLC
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FHA | 1 | 0.2% | 100% | $395,000 | |
Zippy Loans, LLC
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Conventional | 1 | 0.2% | 100% | $75,000 | |
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A+5.0 ★Texas Ratio: 1.01% |
Conventional | 1 | 0.2% | 100% | $205,000 | View |
Residential Wholesale Mortgage
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FHA | 1 | 0.2% | 100% | $245,000 | |
Royal United Mortgage LLC
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Conventional | 1 | 0.2% | 100% | $155,000 | |
Jet Direct Funding Corp.
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Conventional | 1 | 0.2% | 100% | $285,000 | |
AmeriHome Mortgage Company, LLC
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FHA | 1 | 0.2% | 50% | $155,000 | |
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A+5.0 ★Texas Ratio: 5.29% |
Conventional | 1 | 0.2% | 50% | $405,000 | View |
Assurance Financial Group, L.L.C.
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FHA | 1 | 0.2% | 100% | $185,000 | |
AmWest Funding Corp
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Conventional | 1 | 0.2% | 100% | $195,000 | |
Valon Mortgage
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Conventional | 1 | 0.2% | 100% | $55,000 | |
Direct Lenders, LLC.
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Conventional | 1 | 0.2% | 100% | $225,000 | |
Das Acquisition Company, LLC
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FHA | 1 | 0.2% | 100% | $285,000 | |
American Financing Corporation
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FHA | 1 | 0.2% | 33.3% | $55,000 | |
First Colony Mortgage Corporat
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Conventional | 1 | 0.2% | 100% | $95,000 | |
Peoples Mortgage Company
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FHA | 1 | 0.2% | 100% | $215,000 | |
Nations Lending Corporation
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VA | 1 | 0.2% | 100% | $135,000 | |
American Pacific Mortgage Corporation
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Conventional | 1 | 0.2% | 100% | $175,000 | |
Synovus Bank
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VA | 1 | 0.2% | 100% | $285,000 | |
Keystone Funding, Inc
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FHA | 1 | 0.2% | 100% | $235,000 | |
Prosperity Home Mortgage, LLC
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VA | 1 | 0.2% | 100% | $205,000 | |
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A-5.0 ★Texas Ratio: 14.97% |
VA | 1 | 0.2% | 100% | $225,000 | View |
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A+5.0 ★Texas Ratio: 5.42% |
FHA | 1 | 0.2% | 100% | $85,000 | View |
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★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21% |
Conventional | 1 | 0.2% | 100% | $325,000 | View |
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A5.0 ★Texas Ratio: 9.09% |
FHA | 1 | 0.2% | 100% | $235,000 | View |
Top Flite Financial, Inc.
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Conventional | 1 | 0.2% | 100% | $135,000 | |
Village Capital & Investment
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VA | 1 | 0.2% | 50% | $195,000 | |
Figure Lending LLC
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
Goodleap, LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Quorum Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Honda Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | 0% | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +1 HELOCs |
0% | n/a |
Oxford Mortgage Rate Trends
Daily average mortgage rates for Alabama compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Oxford, Alabama
Looking for mortgage lenders near me or mortgage brokers near me in Oxford? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Oxford in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Oxford, AL
Use these to narrow the list above. Each category shows how many Oxford, AL lenders fit and what that kind of lender is usually best for.
Who Lends in Oxford, AL
Independent mortgage companies closed 72.7 percent of home loans in Oxford, Alabama in 2025, banks 21.9 percent and credit unions 5.4 percent. Consumer First Mortgage, Inc. was the largest mortgage company, First Bank of Alabama the largest bank and Aod Federal Credit Union the largest credit union. Among lenders headquartered in Alabama, First Bank of Alabama led with 13 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
Attorneys customarily handle closings in Alabama. Deed recordation tax of $0.50 per $500 of value (0.10 percent) plus a mortgage recordation tax of $0.15 per $100 of debt (0.15 percent), Ala. Code 40-22-1 and 40-22-2.
More Alabama Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Oxford, AL
By home loans closed in 2025, First Bank of Alabama was the largest mortgage lender in Oxford, Alabama with 13 loans, about 2.5 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Oxford, Alabama, Rocket Mortgage approved the highest share of completed applications in 2025 at 80 percent, against a 78.8 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
50 lenders closed FHA loans in Oxford, Alabama in 2025, led by Fairway Independent Mort Corp with 21. 34 lenders closed VA loans, led by Mortgage Research Center, and 2 closed USDA rural loans. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 34 banks and 10 credit unions closed home loans in Oxford, Alabama in 2025, alongside 67 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Oxford, Alabama during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Oxford, Alabama for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Oxford. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
