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Mortgage Lenders and Brokers in Oxford, Mississippi

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Oxford, Mississippi mortgage lenders include BankplusBankplus400 S Lamar Blvd, Oxford, MS 38655A+5.0 ★Texas Ratio: 4.80%, Guaranty Bank & Trust CompanyGuaranty Bank & Trust Company1500 University Ave, Oxford, MS 38655A-5.0 ★Texas Ratio: 14.15%, Renasant BankRenasant Bank1111 Jackson Ave E, Oxford, MS 38655A+5.0 ★Texas Ratio: 4.72%, Bank of CommerceBank of Commerce1610 Jackson Ave W, Oxford, MS 38655A+5.0 ★Texas Ratio: 4.84%, RiverHills BankRiverHills Bank1345 Cooperative Way, Oxford, MS 38655A+5.0 ★Texas Ratio: 3.03%, Story Bank DBA Story Financial PartnersStory Bank DBA Story Financial Partners908 N Lamar Blvd, Oxford, MS 38655A+5.0 ★Texas Ratio: 0.03%, Trustmark BankTrustmark Bank2301 Jackson Ave W, Oxford, MS 38655A+5.0 ★Texas Ratio: 2.40%, Regions BankRegions Bank1931 Jackson Ave W, Oxford, MS 38655A+5.0 ★Texas Ratio: 4.37%, BankFirst Financial ServicesBankFirst Financial Services426 S Lamar Blvd, Oxford, MS 38655A+5.0 ★Texas Ratio: 3.47%, and Paragon BankParagon Bank2401 South Lamar Boulevard, Oxford, MS 38655A+5.0 ★Texas Ratio: 3.21%. 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, Mississippi 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 Mississippi, 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, Mississippi

Market share is the lender's share of all home loans closed in Oxford, Mississippi. 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
Bankplus 1 office in Oxford 400 S Lamar Blvd, Oxford, MS 38655 A+5.0 ★Texas Ratio: 4.80%	Conventional, FHA, VA, Jumbo, HELOC	114 +27 HELOCs	11%	93.6%	$399,035	View
Guaranty Bank & Trust Company 4 offices in Oxford 1500 University Ave, Oxford, MS 38655 A-5.0 ★Texas Ratio: 14.15%	Conventional, FHA, Jumbo	76	7.4%	93.9%	$397,763	View
Renasant Bank 3 offices in Oxford 1111 Jackson Ave E, Oxford, MS 38655 A+5.0 ★Texas Ratio: 4.72%	Conventional, FHA, USDA, Jumbo, HELOC	40 +23 HELOCs	3.9%	88.9%	$428,500	View
Bank of Commerce 2 offices in Oxford 1610 Jackson Ave W, Oxford, MS 38655 A+5.0 ★Texas Ratio: 4.84%	Conventional, Jumbo	37	3.6%	97.4%	$366,081	View
RiverHills Bank 1 office in Oxford 1345 Cooperative Way, Oxford, MS 38655 A+5.0 ★Texas Ratio: 3.03%	Conventional, Jumbo	36	3.5%	100%	$553,055	View
Story Bank DBA Story Financial Partners 1 office in Oxford 908 N Lamar Blvd, Oxford, MS 38655 A+5.0 ★Texas Ratio: 0.03%	Conventional, Jumbo	35	3.4%	100%	$393,285	View
Trustmark Bank 2 offices in Oxford 2301 Jackson Ave W, Oxford, MS 38655 A+5.0 ★Texas Ratio: 2.40%	Conventional, FHA, VA, HELOC	31 +28 HELOCs	3%	96.9%	$340,806	View
Regions Bank 2 offices in Oxford 1931 Jackson Ave W, Oxford, MS 38655 A+5.0 ★Texas Ratio: 4.37%	Conventional, FHA, VA, HELOC	27 +14 HELOCs	2.6%	70%	$253,518	View
BankFirst Financial Services 3 offices in Oxford 426 S Lamar Blvd, Oxford, MS 38655 A+5.0 ★Texas Ratio: 3.47%	Conventional, Jumbo, HELOC	24 +10 HELOCs	2.3%	92.3%	$330,416	View
Paragon Bank 2 offices in Oxford 2401 South Lamar Boulevard, Oxford, MS 38655 A+5.0 ★Texas Ratio: 3.21%	Conventional	17	1.6%	100%	$340,294	View
Origin Bank 1 office in Oxford 1312 University Ave, Oxford, MS 38655 A5.0 ★Texas Ratio: 6.66%	Conventional, Jumbo	2	0.2%	75%	$1,440,000	View
Cadence Bank 1929 Jackson Ave W, Oxford, MS 38655	Conventional, FHA, Jumbo, HELOC	43 +46 HELOCs	4.2%	90.2%	$418,488
Bank of Holly Springs 2 Business 7 N, Abbeville, MS 38601 C+4.2 ★Texas Ratio: 24.96%	Conventional	11	1.1%	100%	$202,272	View
First Horizon Bank ★ 5 stars, 1 review 500 E Commerce St, Hernando, MS 38632 A+5.0 ★Texas Ratio: 5.76%	Conventional, USDA, HELOC	10 +4 HELOCs	1%	100%	$395,000	View
The Citizens Bank 814 Main St, Columbia, MS 39429 A+5.0 ★Texas Ratio: 5.44%	Conventional, Jumbo	10	1%	90.9%	$585,000	View
JPMorgan Chase Bank, NA 315 Ridge Way, Flowood, MS 39232 A+5.0 ★Texas Ratio: 3.68%	Conventional	8	0.8%	100%	$358,750	View
First Security Bank 130 Highway 51 N, Batesville, MS 38606 A+5.0 ★Texas Ratio: 4.91%	Conventional	7	0.7%	100%	$425,000	View
Community Bank of Mississippi 902 Highway 278 E, Amory, MS 38821 A+5.0 ★Texas Ratio: 3.09%	Conventional, Jumbo, HELOC	6 +1 HELOCs	0.6%	100%	$515,000	View
PriorityOne Bank 1400 W Government St, Brandon, MS 39042 A5.0 ★Texas Ratio: 12.03%	Conventional, HELOC	5 +1 HELOCs	0.5%	100%	$301,000	View
Wells Fargo Bank NA 2675 Pass Rd, Biloxi, MS 39531 A+5.0 ★Texas Ratio: 5.36%	Conventional, FHA	5	0.5%	83.3%	$361,000	View
Citizens National Bank of Meridian 102 Plaza Drive, Brandon, MS 39047 A5.0 ★Texas Ratio: 7.13%	Conventional	4	0.4%	100%	$377,500	View
Hancock Whitney Bank ★ 4 stars, 3 reviews 100 S Beach Blvd, Bay Saint Louis, MS 39520 A+5.0 ★Texas Ratio: 3.41%	Conventional	4	0.4%	80%	$357,500	View
First State Bank 2364 Buckatunna Chicora Clara Rd, Buckatunna, MS 39322 A5.0 ★Texas Ratio: 10.01%	Conventional	2	0.2%	100%	$430,000	View
First Bank 200 S Whitworth Ave, Brookhaven, MS 39601 A5.0 ★Texas Ratio: 7.61%	Conventional	1	0.1%	100%	$335,000	View
Great Southern Bank 15122 Highway 15, Decatur, MS 39327 A5.0 ★Texas Ratio: 7.29%	Conventional	1	0.1%	100%	$105,000	View
Bank of Forest 1698 Old Fannin Rd, Flowood, MS 39232 A5.0 ★Texas Ratio: 8.43%	Conventional	1	0.1%	100%	$355,000	View
Merchants & Planters Bank 6a N Third St, Bay Springs, MS 39422 A+5.0 ★Texas Ratio: 1.01%	Conventional	1	0.1%	100%	$375,000	View
Peoples Bank 710 Main St, Collins, MS 39428 B4.4 ★Texas Ratio: 21.68%	Conventional	1	0.1%	100%	$335,000	View
Citizens Bank 814 Main St, Columbia, MS 39429 A+5.0 ★Texas Ratio: 2.03%	Conventional, Jumbo	1	0.1%	100%	$735,000	View
Bank Of Yazoo 686 Highway 49, Flora, MS 39071 A+5.0 ★Texas Ratio: 0.05%	Conventional	1	0.1%	100%	$515,000	View
FNB Picayune Bank 16230 Highway 603, Kiln, MS 39556 A5.0 ★Texas Ratio: 7.31%	Conventional	1	0.1%	100%	$315,000	View
Truist Bank ★ 1 stars, 1 review 7427 Goodman Rd, Olive Branch, MS 38654 A+5.0 ★Texas Ratio: 2.87%	Conventional, Jumbo	1	0.1%	100%	$905,000	View
Planters Bank and Trust Company 1130 Highway 6 E, Batesville, MS 38606 A+5.0 ★Texas Ratio: 3.79%	Conventional	1	0.1%	100%	$85,000	View
Mutual Federal Credit Unon	Conventional	9	0.9%	50%	$67,222
Rocket Mortgage	Conventional, FHA, VA, Jumbo	61	5.9%	84%	$252,377
New American Funding, LLC.	Conventional, FHA, VA	28	2.7%	100%	$372,500
Guild Mortgage Company	Conventional, Jumbo	22	2.1%	100%	$414,090
Pennymac Loan Services LLC	Conventional, FHA, VA	15	1.5%	84.2%	$275,666
United Wholesale Mortgage	Conventional, FHA, VA	14	1.4%	100%	$329,285
Raymond James Bank A+5.0 ★Texas Ratio: 3.19%	Conventional, Jumbo	14	1.4%	93.3%	$515,000	View
Gmfs, LLC	Conventional, FHA	12	1.2%	100%	$468,333
Triad Financial Services, Inc.	Conventional	10	1%	84.6%	$147,000
Nationstar Mortgage	Conventional, FHA, VA	10	1%	83.3%	$202,000
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, Jumbo	10	1%	100%	$914,000	View
CrossCountry Mortgage, LLC	Conventional	8	0.8%	100%	$450,000
21St Mortgage	Conventional	8	0.8%	32.1%	$112,500
Bank of America NA A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	7 +4 HELOCs	0.7%	87.5%	$467,857	View
US Bank, N.A. A+5.0 ★Texas Ratio: 2.85%	Conventional, HELOC	7 +1 HELOCs	0.7%	80%	$202,142	View
Bank of England A5.0 ★Texas Ratio: 6.45%	Conventional	7	0.7%	100%	$319,285	View
AmeriHome Mortgage Company, LLC	Conventional, FHA	7	0.7%	100%	$306,428
Nations Lending Corporation	Conventional, FHA, USDA	7	0.7%	100%	$307,857
Mortgage Research Center	Conventional, VA	7	0.7%	70%	$446,428
Better Mortgage Corporation	Conventional, FHA	7	0.7%	100%	$326,428
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	Conventional, HELOC	6 +1 HELOCs	0.6%	100%	$308,333	View
loanDepot.com LLC	Conventional, FHA	6	0.6%	85.7%	$170,000
Mortgage Investors Group A+5.0 ★Texas Ratio: 5.42%	Conventional	6	0.6%	100%	$355,000	View
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	5 +2 HELOCs	0.5%	55.6%	$279,000
Freedom Mortgage Corporation	Conventional, FHA, VA	5	0.5%	100%	$367,000
Union Home Mortgage Corp.	Conventional	5	0.5%	83.3%	$275,000
Community Mortgage Corporation	Conventional, FHA	5	0.5%	100%	$355,000
Firstbank A5.0 ★Texas Ratio: 7.51%	Conventional	5	0.5%	80%	$101,000	View
Pinnacle Bank A+5.0 ★Texas Ratio: 3.04%	Conventional, HELOC	4 +2 HELOCs	0.4%	100%	$387,500	View
Flagstar Bank NA D3.3 ★Texas Ratio: 35.11%	Conventional, FHA, HELOC	4 +1 HELOCs	0.4%	100%	$295,000	View
Movement Mortgage, LLC	Conventional, FHA	4	0.4%	100%	$415,000
Citizens Bank, NA A+5.0 ★Texas Ratio: 5.44%	Conventional	4	0.4%	100%	$300,000	View
First Community Mortgage, Inc.	Conventional	3	0.3%	50%	$251,666
American Financial Resources LLC	Conventional	3	0.3%	100%	$125,000
Lakeview Loan Servicing, LLC	Conventional, FHA	3	0.3%	100%	$241,666
Amerisave Mortgage Company	Conventional, FHA	3	0.3%	20%	$108,333
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA	3	0.3%	50%	$365,000	View
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	Conventional, FHA, VA	3	0.3%	100%	$378,333	View
Synovus Bank	Conventional	3	0.3%	100%	$275,000
Mutual of Omaha Mortgage	Conventional, FHA	3	0.3%	75%	$431,666
Fairway Independent Mort Corp	Conventional, FHA	3	0.3%	100%	$365,000
Primelending	Conventional, VA	2	0.2%	100%	$330,000
Canopy Mortgage, LLC	Conventional, FHA	2	0.2%	100%	$295,000
Kind Lending, LLC	Conventional, VA	2	0.2%	100%	$485,000
Cmg Mortgage Inc	Conventional	2	0.2%	66.7%	$500,000
Patriot Bank A5.0 ★Texas Ratio: 9.21%	Conventional	2	0.2%	100%	$465,000	View
Homeowners Financial Group, LLC	Conventional	2	0.2%	100%	$360,000
Bokf NA A+5.0 ★Texas Ratio: 1.05%	Conventional	2	0.2%	100%	$275,000	View
First Citizens National Bank	Conventional	2	0.2%	100%	$255,000
Magnolia Bank A-5.0 ★Texas Ratio: 14.97%	FHA, VA	2	0.2%	100%	$375,000	View
Eagle Bank and Trust Company A+5.0 ★Texas Ratio: 1.39%	Conventional, FHA	2	0.2%	100%	$145,000	View
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	VA	2	0.2%	100%	$255,000	View
Carrington Mortgage Services LLC	Conventional, FHA	2	0.2%	50%	$145,000
Citibank, NA A+5.0 ★Texas Ratio: 2.82%	Conventional, Jumbo	2	0.2%	100%	$770,000	View
Southwest Funding LP	FHA	2	0.2%	100%	$280,000
Village Capital & Investment	VA	2	0.2%	100%	$300,000
BMO Harris Bank NA A+5.0 ★Texas Ratio: 3.54%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$295,000	View
Arc Home LLC	Conventional	1	0.1%	100%	$515,000
Genisys Credit Union A5.0 ★Texas Ratio: 11.65%	Conventional	1	0.1%	100%	$585,000	View
Alliant Credit Union A+5.0 ★Texas Ratio: 3.22%	Conventional	1	0.1%	50%	$445,000	View
Amarillo National Bank A5.0 ★Texas Ratio: 9.89%	Conventional	1	0.1%	100%	$425,000	View
The Union Bank Company A+5.0 ★Texas Ratio: 0.68%	FHA	1	0.1%	100%	$275,000	View
Carrollton Bank A+5.0 ★Texas Ratio: 3.58%	Conventional	1	0.1%	100%	$305,000	View
Newrez LLC	Conventional	1	0.1%	33.3%	$325,000
Sage Home Loans Corporation	Conventional	1	0.1%	100%	$485,000
Acrisure Mortgage, LLC	Conventional	1	0.1%	100%	$805,000
Delmar Financial Company A+5.0 ★Texas Ratio: 0.32%	Conventional	1	0.1%	100%	$515,000	View
City Bank & Trust Co.	Conventional	1	0.1%	100%	$265,000
Guidance Residential, LLC	Conventional	1	0.1%	100%	$415,000
Advancial Federal Credit Union	Conventional	1	0.1%	100%	$235,000
C&F Mortgage Corporation A+5.0 ★Texas Ratio: 4.11%	VA	1	0.1%	100%	$515,000	View
Orion Federal Credit Union A5.0 ★Texas Ratio: 6.66%	Conventional	1	0.1%	100%	$465,000	View
Eustis Mortgage Corp	Conventional	1	0.1%	100%	$365,000
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	Conventional	1	0.1%	50%	$385,000	View
Discover Bank	Conventional	1	0.1%	16.7%	$55,000
Standard Mortgage Corporation	Conventional	1	0.1%	100%	$505,000
First Midwest Bank of Dexter A5.0 ★Texas Ratio: 6.37%	Conventional	1	0.1%	100%	$305,000	View
Credit Union Mortgage Associat	Conventional	1	0.1%	100%	$175,000
Fivepoint Credit Union	Conventional, Jumbo	1	0.1%	100%	$1,085,000
Investar Bank A+5.0 ★Texas Ratio: 5.42%	Conventional	1	0.1%	100%	$325,000	View
American Financing Corporation	Conventional	1	0.1%	50%	$635,000
Flat Branch Mortgage, Inc.	Conventional	1	0.1%	100%	$155,000
Guaranty Bank & Trust A-5.0 ★Texas Ratio: 14.15%	Conventional	1	0.1%	100%	$345,000	View
American Heritage Lending, LLC	Conventional	1	0.1%	100%	$285,000
Justice Federal Credit Union	Conventional	1	0.1%	100%	$305,000
Ameritrust Mortgage Corporation	Conventional	1	0.1%	100%	$715,000
The Farmers & Merchants Bank A+5.0 ★Texas Ratio: 2.62%	Conventional	1	0.1%	100%	$505,000	View
Cardinal Financial Company, Li	FHA	1	0.1%	100%	$435,000
New Day Financial, LLC.	VA	1	0.1%	100%	$435,000
Land Home Financial Services,	Conventional	1	0.1%	100%	$85,000
Centennial Bank A5.0 ★Texas Ratio: 9.59%	Conventional, Jumbo	1	0.1%	100%	$1,035,000	View
Luminate Home Loans, Inc. A5.0 ★Texas Ratio: 11.06%	FHA	1	0.1%	100%	$255,000	View
Churchill Mortgage Corporation	FHA	1	0.1%	100%	$245,000
Planet Home Lending, LLC	VA	1	0.1%	50%	$255,000
The Bank of Fayette County	Conventional	1	0.1%	100%	$495,000
First Federal Bank A+5.0 ★Texas Ratio: 1.10%	Conventional	1	0.1%	100%	$295,000	View
Academy Bank, N.A. A+5.0 ★Texas Ratio: 5.08%	Conventional	1	0.1%	100%	$365,000	View
Gardner Financial Services	VA, Jumbo	1	0.1%	100%	$875,000
Gateway Bank A+5.0 ★Texas Ratio: 0.01%	Conventional	1	0.1%	100%	$315,000	View
Simmons Bank A+5.0 ★Texas Ratio: 5.33%	Conventional	1	0.1%	100%	$305,000	View
Arvest Bank A5.0 ★Texas Ratio: 7.48%	Conventional, Jumbo	1	0.1%	100%	$915,000	View
Baxter Credit Union A5.0 ★Texas Ratio: 6.31%	Conventional	1	0.1%	100%	$305,000
Pinnacle Bank A+5.0 ★Texas Ratio: 3.22%	Conventional	1	0.1%	100%	$295,000	View
Union Savings Bank	Conventional	1	0.1%	100%	$305,000
Community Financial Services Bank A+5.0 ★Texas Ratio: 3.65%	Conventional	1	0.1%	100%	$185,000	View
The Cottonport Bank	Conventional	1	0.1%	100%	$335,000
Nasa Federal Credit Union	Conventional	1	0.1%	100%	$135,000
Evolve Bank & Trust	FHA	1	0.1%	100%	$325,000
Midland States Bank A5.0 ★Texas Ratio: 9.50%	VA	1	0.1%	100%	$335,000	View
Independent Bank	Conventional	1	0.1%	100%	$435,000
Southstate Bank, National Association ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 2.27%	Conventional	1	0.1%	100%	$195,000	View
CB&S Bank	Conventional	1	0.1%	100%	$205,000
Encore Bank A+5.0 ★Texas Ratio: 1.62%	Conventional	1	0.1%	100%	$805,000	View
Acopia, LLC A+5.0 ★Texas Ratio: 0.90%	Conventional	1	0.1%	100%	$165,000	View
Stockton Mortgage Corporation	Conventional	1	0.1%	100%	$415,000
Pentagon Federal Credit Union	Conventional	1	0.1%	50%	$145,000
Community Bank A+5.0 ★Texas Ratio: 0.00%	Conventional	1	0.1%	100%	$215,000	View
RoundPoint Mortgage Servicing LLC	Conventional	1	0.1%	100%	$305,000
First United Bank and Trust Co A5.0 ★Texas Ratio: 10.43%	Conventional	1	0.1%	100%	$255,000	View
TowneBank	Conventional	1	0.1%	100%	$305,000
The Loan Store, Inc	Conventional	1	0.1%	100%	$225,000
Republic Bank & Trust A+5.0 ★Texas Ratio: 2.91%	Conventional	1	0.1%	100%	$255,000	View
CSL Financial, LLC	Conventional	1	0.1%	100%	$115,000
Busey Bank A+5.0 ★Texas Ratio: 2.31%	Conventional	1	0.1%	100%	$195,000	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews A+5.0 ★Texas Ratio: 4.24%	Conventional	1	0.1%	100%	$235,000	View
Red River Bank A+5.0 ★Texas Ratio: 0.70%	Conventional	1	0.1%	100%	$395,000	View
Stellar Bank	Conventional	1	0.1%	100%	$375,000
Commercial Bank & Trust Company	Conventional	1	0.1%	100%	$355,000
Ubs Bank USA ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21%	Conventional	1	0.1%	100%	$705,000	View
Bartlett Mortgage Inc. A-4.9 ★Texas Ratio: 16.60%	Conventional	1	0.1%	100%	$355,000	View
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	1	0.1%	50%	$245,000	View
City National Bank A+5.0 ★Texas Ratio: 5.55%	Conventional	1	0.1%	100%	$585,000	View
Vanderbilt Mortgage and Finance, Inc	Conventional	1	0.1%	25%	$125,000
Texana Bank	FHA	1	0.1%	100%	$445,000
Spring Eq, LLC	Conventional	1	0.1%	50%	$75,000
Old Second National Bank A5.0 ★Texas Ratio: 6.17%	Conventional	1	0.1%	100%	$365,000	View
Ameris Bank ★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82%	Conventional	1	0.1%	100%	$405,000	View
American Neighborhood Mortgage Acceptance Company	Conventional	1	0.1%	100%	$265,000
F&A Federal Credit Union A+5.0 ★Texas Ratio: 4.11%	Conventional	1	0.1%	100%	$305,000	View
Figure Lending LLC	HELOC	0 +4 HELOCs	0%	n/a
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +3 HELOCs	0%	n/a		View
Liberty Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Fourleaf Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Quorum Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Fifth Third Bank, National Association A+5.0 ★Texas Ratio: 3.22%	HELOC	0 +1 HELOCs	0%	n/a		View
First South Financial Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 6, 2026.

Oxford Mortgage Rate Trends

Daily average mortgage rates for Mississippi compared with the national average, updated every evening.

30-Year Fixed MS Avg

7.308%

▲ 0.045 vs 7 days ago

15-Year Fixed MS Avg

6.851%

▲ 0.004 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in Oxford, Mississippi

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, MS

Use these to narrow the list above. Each category shows how many Oxford, MS lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 60 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 102 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 17 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 37 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 23 lenders. No down payment and no mortgage insurance for eligible veterans and service members USDA lenders 3 lenders. Zero down loans in eligible rural and suburban areas Jumbo lenders 23 lenders. Loans above the conforming limit for higher priced homes Local lenders based in MS 26 lenders headquartered in Mississippi, the closest thing to a mortgage lender near you

Who Lends in Oxford, MS

Independent mortgage companies closed 29.3 percent of home loans in Oxford, Mississippi in 2025, banks 68.2 percent and credit unions 2.4 percent. Rocket Mortgage was the largest mortgage company, Bankplus the largest bank and Mutual Federal Credit Unon the largest credit union. Among lenders headquartered in Mississippi, Bankplus led with 114 loans.

29.3%

Mortgage companies

68.2%

Banks

2.4%

Credit unions

FHA loans

VA 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 Mississippi. None; Mississippi has no state real estate transfer tax or mortgage recording tax, only per page recording fees.

More Mississippi Mortgage Lender Pages

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Frequently Asked Questions About Mortgage Lenders in Oxford, MS

Who is the largest mortgage lender in Oxford, MS?

By home loans closed in 2025, Bankplus was the largest mortgage lender in Oxford, Mississippi with 114 loans, about 11 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Oxford, MS have the highest approval rates?

Among lenders with meaningful volume in Oxford, Mississippi, Guaranty Bank & Trust Company approved the highest share of completed applications in 2025 at 93.9 percent, against a 87.8 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.

Which Oxford, MS mortgage lenders offer FHA, VA and USDA loans?

37 lenders closed FHA loans in Oxford, Mississippi in 2025, led by Rocket Mortgage with 9. 23 lenders closed VA loans, led by Mortgage Research Center, and 3 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.

Are credit unions and local banks included in this Oxford, MS lender list?

Yes. 102 banks and 17 credit unions closed home loans in Oxford, Mississippi in 2025, alongside 60 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.

How are mortgage lenders in Oxford, MS ranked on this page?

Lenders are ranked only by the number of home loans they closed in Oxford, Mississippi 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, Mississippi 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.