Mortgage Lenders and Brokers in Oxford, North Carolina
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, North Carolina mortgage lenders include Truist BankTruist Bank154 Hillsboro St, Oxford, NC 27565A+5.0 ★Texas Ratio: 2.87%, The Fidelity BankThe Fidelity Bank712 Martin Luther King Jr Ave, Oxford, NC 27565A+5.0 ★Texas Ratio: 3.02%, PNC Bank N.A.PNC Bank N.A.155 Hillsboro St, Oxford, NC 27565A+5.0 ★Texas Ratio: 4.24%, First National Bank of PAFirst National Bank of PA108 College St, Oxford, NC 27565A+5.0 ★Texas Ratio: 1.62%, State Employees' Credit UnionState Employees' Credit Union800 ROXBORO RD, OXFORD, NC 27565A-5.0 ★Texas Ratio: 14.13%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1007 Beaver Creek Commons Dr, Apex, NC 27502A+5.0 ★Texas Ratio: 3.68%, Summit Credit UnionSummit Credit Union128 College St, Oxford, NC 27565A+5.0 ★Texas Ratio: 2.76%, Coastal Federal Credit UnionCoastal Federal Credit UnionOlive Chapel Village #131, Apex, NC 27502A+5.0 ★Texas Ratio: 4.34%, First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust351 N 1st St, Albemarle, NC 28001A5.0 ★Texas Ratio: 7.72%, and Wells Fargo Bank NAWells Fargo Bank NA5306 Us Highway 158, Advance, NC 27006A+5.0 ★Texas Ratio: 5.36%. 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, North Carolina 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 North Carolina, 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, North Carolina
Market share is the lender's share of all home loans closed in Oxford, North Carolina. 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 stars, 1 review 1 office in Oxford 154 Hillsboro St, Oxford, NC 27565 A+5.0 ★Texas Ratio: 2.87% |
Conventional, HELOC | 4 +13 HELOCs |
1.3% | 100% | $220,000 | View |
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1 office in Oxford 712 Martin Luther King Jr Ave, Oxford, NC 27565 A+5.0 ★Texas Ratio: 3.02% |
Conventional, FHA, HELOC | 4 +1 HELOCs |
1.3% | 100% | $247,500 | View |
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★ 1.7 stars, 3 reviews 1 office in Oxford 155 Hillsboro St, Oxford, NC 27565 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 2 +3 HELOCs |
0.7% | 100% | $205,000 | View |
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1 office in Oxford 108 College St, Oxford, NC 27565 A+5.0 ★Texas Ratio: 1.62% |
Conventional, HELOC | 1 +12 HELOCs |
0.3% | 100% | $265,000 | View |
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800 ROXBORO RD, OXFORD, NC 27565 A-5.0 ★Texas Ratio: 14.13% |
Conventional, HELOC | 35 +27 HELOCs |
11.7% | 64.8% | $239,571 | View |
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1007 Beaver Creek Commons Dr, Apex, NC 27502 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 9 | 3% | 100% | $273,888 | View |
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128 College St, Oxford, NC 27565 A+5.0 ★Texas Ratio: 2.76% |
Conventional | 9 | 3% | 100% | $121,666 | View |
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Olive Chapel Village #131, Apex, NC 27502 A+5.0 ★Texas Ratio: 4.34% |
Conventional, HELOC | 7 +6 HELOCs |
2.3% | 87.5% | $240,714 | |
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351 N 1st St, Albemarle, NC 28001 A5.0 ★Texas Ratio: 7.72% |
Conventional, FHA, HELOC | 3 +1 HELOCs |
1% | 100% | $285,000 | View |
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5306 Us Highway 158, Advance, NC 27006 A+5.0 ★Texas Ratio: 5.36% |
Conventional, FHA | 2 | 0.7% | 66.7% | $145,000 | View |
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★ 4 stars, 1 review 6805 Carnegie Blvd, Charlotte, NC 28211 A+5.0 ★Texas Ratio: 1.82% |
Conventional, FHA | 2 | 0.7% | 100% | $535,000 | View |
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2200 W Main St Ste L100, Durham, NC 27705 4600 A5.0 ★Texas Ratio: 6.76% |
Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $95,000 | View |
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8334 Pineville Matthews Rd, Charlotte, NC 28226 A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 0.3% | 100% | $75,000 | View |
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835 Highway 70 West, Garner, NC 27529 A+5.0 ★Texas Ratio: 1.77% |
Conventional | 1 | 0.3% | 100% | $225,000 | View |
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101 S Tryon St, Charlotte, NC 28280 A+5.0 ★Texas Ratio: 3.66% |
FHA | 1 | 0.3% | 100% | $255,000 | View |
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104 NC 54 Ste KK, Carrboro, NC 27510 A5.0 ★Texas Ratio: 6.08% |
Conventional | 1 | 0.3% | 50% | $265,000 | View |
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5496 Apex Peakway, Apex, NC 27502 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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A+5.0 ★Texas Ratio: 0.46% |
Conventional | 2 | 0.7% | 66.7% | $365,000 | View |
American Security Mortgage Cor
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VA | 1 | 0.3% | 100% | $285,000 | |
Cardinal Financial Company, Li
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Conventional | 1 | 0.3% | 100% | $245,000 | |
Corporate Investors Mortgage G
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Conventional | 1 | 0.3% | 100% | $235,000 | |
Goprime Mortgage, Inc.
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Conventional | 1 | 0.3% | 100% | $205,000 | |
loanDepot.com LLC
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Conventional, FHA, VA, USDA, HELOC | 46 +1 HELOCs |
15.4% | 58.5% | $303,043 | |
Rocket Mortgage
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Conventional, FHA, VA | 19 | 6.4% | 69% | $209,210 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 16 | 5.4% | 85% | $260,000 | |
New American Funding, LLC.
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Conventional, FHA | 8 | 2.7% | 88.9% | $158,750 | |
Movement Mortgage, LLC
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Conventional, FHA, HELOC | 7 +1 HELOCs |
2.3% | 100% | $209,285 | |
Freedom Mortgage Corporation
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Conventional, VA, Jumbo | 6 | 2% | 87.5% | $420,000 | |
Newrez LLC
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Conventional, FHA, VA | 6 | 2% | 60% | $268,333 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 6 | 2% | 100% | $315,000 | |
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A+5.0 ★Texas Ratio: 3.21% |
Conventional, FHA | 5 | 1.7% | 100% | $171,000 | View |
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B-4.3 ★Texas Ratio: 23.12% |
Conventional | 5 | 1.7% | 100% | $257,000 | View |
Fairway Independent Mort Corp
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Conventional, FHA, VA | 5 | 1.7% | 100% | $271,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA | 5 | 1.7% | 100% | $257,000 | |
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A5.0 ★Texas Ratio: 13.21% |
FHA | 4 | 1.3% | 100% | $192,500 | View |
Pennymac Loan Services LLC
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Conventional, FHA, VA, Jumbo | 3 | 1% | 60% | $418,333 | |
Guild Mortgage Company
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FHA, VA | 3 | 1% | 100% | $261,666 | |
Union Home Mortgage Corp.
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Conventional, VA | 3 | 1% | 100% | $228,333 | |
Atlantic Bay Mortgage Group
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Conventional, FHA | 3 | 1% | 100% | $245,000 | |
Nationstar Mortgage
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Conventional | 3 | 1% | 75% | $245,000 | |
Mortgage Research Center
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VA | 3 | 1% | 60% | $318,333 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 3 | 1% | 22.2% | $108,333 | |
Tidewater Mortgage Services, Inc
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FHA, VA | 2 | 0.7% | 100% | $295,000 | |
Primelending
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Conventional | 2 | 0.7% | 100% | $255,000 | |
Everett Financial, Inc.
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Conventional | 2 | 0.7% | 100% | $120,000 | |
Howard Hanna Financial Services, Inc
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Conventional | 2 | 0.7% | 100% | $275,000 | |
Click n' Close, Inc.
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FHA, USDA | 2 | 0.7% | 100% | $210,000 | |
Schumacher Mortgage LLC
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FHA, VA | 2 | 0.7% | 100% | $620,000 | |
New Day Financial, LLC.
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VA | 2 | 0.7% | 66.7% | $200,000 | |
TowneBank
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FHA | 2 | 0.7% | 100% | $215,000 | |
Zillow Home Loans, LLC
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Conventional, FHA | 2 | 0.7% | 100% | $255,000 | |
Nationwide Mortgage Bankers, Inc.
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FHA | 2 | 0.7% | 100% | $205,000 | |
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A+5.0 ★Texas Ratio: 2.14% |
FHA | 2 | 0.7% | 100% | $270,000 | View |
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B+4.8 ★Texas Ratio: 16.98% |
FHA, VA | 2 | 0.7% | 100% | $200,000 | View |
Village Capital & Investment
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VA | 2 | 0.7% | 75% | $300,000 | |
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A+5.0 ★Texas Ratio: 1.69% |
Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $25,000 | View |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.3% | 100% | $145,000 | View |
Premier Mortgage Resources, LLC
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FHA | 1 | 0.3% | 100% | $145,000 | |
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A+5.0 ★Texas Ratio: 3.36% |
FHA | 1 | 0.3% | 100% | $225,000 | View |
American Financial Resources LLC
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FHA | 1 | 0.3% | 100% | $305,000 | |
Gold Star Mortgage Financial Group, Corporation
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Conventional | 1 | 0.3% | 100% | $395,000 | |
Nbkc Bank
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VA | 1 | 0.3% | 100% | $435,000 | |
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A+5.0 ★Texas Ratio: 5.29% |
FHA | 1 | 0.3% | 100% | $275,000 | View |
Resicentral LLC
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VA | 1 | 0.3% | 100% | $225,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.3% | 100% | $115,000 | |
AdvantageFirst Lending Inc
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FHA | 1 | 0.3% | 50% | $185,000 | |
Republic State Mortgage Company
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FHA | 1 | 0.3% | 100% | $335,000 | |
Intercap Lending Inc
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FHA | 1 | 0.3% | 100% | $545,000 | |
Corning Credit Union
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Conventional | 1 | 0.3% | 100% | $305,000 | |
Calcon Mutual Mortgage LLC
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Conventional | 1 | 0.3% | 100% | $135,000 | |
Nfm, Inc
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Conventional | 1 | 0.3% | 100% | $165,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.3% | 100% | $215,000 | View |
V.I.P. Mortgage, Inc.
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FHA | 1 | 0.3% | 100% | $265,000 | |
Jams-01 Inc dba Home Savings & Trust Mortgage
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FHA | 1 | 0.3% | 100% | $285,000 | |
Genway Home Mortgage, Inc.
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FHA | 1 | 0.3% | 100% | $335,000 | |
Prosperity Home Mortgage, LLC
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VA | 1 | 0.3% | 100% | $245,000 | |
Carrington Mortgage Services LLC
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FHA | 1 | 0.3% | 100% | $225,000 | |
Reliance First Capital, LLC
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Conventional | 1 | 0.3% | 100% | $85,000 | |
Top Flite Financial, Inc.
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FHA | 1 | 0.3% | 100% | $115,000 | |
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Quorum Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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 North Carolina compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Oxford, North Carolina
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, NC
Use these to narrow the list above. Each category shows how many Oxford, NC lenders fit and what that kind of lender is usually best for.
Who Lends in Oxford, NC
Independent mortgage companies closed 60.7 percent of home loans in Oxford, North Carolina in 2025, banks 19.1 percent and credit unions 20.1 percent. American Security Mortgage Cor was the largest mortgage company, Truist Bank the largest bank and State Employees' Credit Union the largest credit union. Among lenders headquartered in North Carolina, Truist Bank led with 4 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.
An attorney must handle the closing in North Carolina. State excise (transfer) tax of $1 per $500 of price, customarily paid by the seller, plus an additional 1 percent land transfer tax in seven northeastern counties (Camden, Chowan, Currituck, Dare, Pasquotank, Perquimans, Washington); no mortgage recording tax.
More North Carolina Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Oxford, NC
By home loans closed in 2025, Truist Bank was the largest mortgage lender in Oxford, North Carolina with 4 loans, about 1.3 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
38 lenders closed FHA loans in Oxford, North Carolina in 2025, led by loanDepot.com LLC with 32. 21 lenders closed VA loans, led by loanDepot.com LLC, 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. 23 banks and 9 credit unions closed home loans in Oxford, North Carolina in 2025, alongside 50 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, North Carolina 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, North Carolina 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.
