Mortgage Lenders and Brokers in Oxford, Ohio
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, Ohio mortgage lenders include Miami University Community Federal Credit UnionMiami University Community Federal Credit Union5120 College Corner Pike, Oxford, OH 45056A5.0 ★Texas Ratio: 8.63%, US Bank, N.A.US Bank, N.A.1 Lynn Ave, Oxford, OH 45056A+5.0 ★Texas Ratio: 2.85%, Somerville BankSomerville Bank5200 College Corner Pike, Oxford, OH 45056A5.0 ★Texas Ratio: 9.58%, First Financial BankFirst Financial Bank411 S Locust St, Oxford, OH 45056A+5.0 ★Texas Ratio: 3.21%, Fifth Third Bank, National AssociationFifth Third Bank, National Association455 Mcguffey Ave, Oxford, OH 45056A+5.0 ★Texas Ratio: 3.22%, PNC Bank N.A.PNC Bank N.A.701 E Spring St, Oxford, OH 45056A+5.0 ★Texas Ratio: 4.24%, Lcnb National BankLcnb National Bank30 W Park Pl, Oxford, OH 45056A+5.0 ★Texas Ratio: 2.05%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA20 W High St, Oxford, OH 45056A+5.0 ★Texas Ratio: 3.68%, Bank of America NABank of America NA32 East High Street, Oxford, OH 45056A+5.0 ★Texas Ratio: 4.14%, and Union Savings BankUnion Savings Bank1240 N Bridge Street, Chillicothe, OH 45601. 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, Ohio 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 Ohio, 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, Ohio
Market share is the lender's share of all home loans closed in Oxford, Ohio. 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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5120 College Corner Pike, Oxford, OH 45056 A5.0 ★Texas Ratio: 8.63% |
Conventional, HELOC | 14 +2 HELOCs |
5.8% | 100% | $128,571 | View |
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1 office in Oxford 1 Lynn Ave, Oxford, OH 45056 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 8 +2 HELOCs |
3.3% | 44.4% | $196,250 | View |
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★ 5 stars, 1 review 1 office in Oxford 5200 College Corner Pike, Oxford, OH 45056 A5.0 ★Texas Ratio: 9.58% |
Conventional | 7 | 2.9% | 90.9% | $213,571 | View |
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1 office in Oxford 411 S Locust St, Oxford, OH 45056 A+5.0 ★Texas Ratio: 3.21% |
Conventional, HELOC | 5 +12 HELOCs |
2.1% | 71.4% | $137,000 | View |
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1 office in Oxford 455 Mcguffey Ave, Oxford, OH 45056 A+5.0 ★Texas Ratio: 3.22% |
Conventional, HELOC | 4 +14 HELOCs |
1.7% | 55.6% | $130,000 | View |
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★ 1.7 stars, 3 reviews 1 office in Oxford 701 E Spring St, Oxford, OH 45056 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 2 +1 HELOCs |
0.8% | 100% | $240,000 | View |
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1 office in Oxford 30 W Park Pl, Oxford, OH 45056 A+5.0 ★Texas Ratio: 2.05% |
Conventional | 2 | 0.8% | 66.7% | $310,000 | View |
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1 office in Oxford 20 W High St, Oxford, OH 45056 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.4% | 50% | $255,000 | View |
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1 office in Oxford 32 East High Street, Oxford, OH 45056 A+5.0 ★Texas Ratio: 4.14% |
Conventional | 1 | 0.4% | 100% | $245,000 | View |
Union Savings Bank
1240 N Bridge Street, Chillicothe, OH 45601 |
Conventional, Jumbo, HELOC | 6 +3 HELOCs |
2.5% | 100% | $495,000 | |
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3421 Ridgewood Rd, Akron, OH 44333 A+5.0 ★Texas Ratio: 3.66% |
Conventional, FHA, HELOC | 5 +1 HELOCs |
2.1% | 100% | $277,000 | View |
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11370 Reed Hartman Hwy, Blue Ash, OH 45241 A5.0 ★Texas Ratio: 6.06% |
Conventional, HELOC | 4 +3 HELOCs |
1.7% | 100% | $320,000 | View |
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8811 Holden Blvd, Fairfield, OH 45014 A+5.0 ★Texas Ratio: 2.46% |
Conventional | 4 | 1.7% | 100% | $217,500 | View |
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11333 Princeton Pike, Cincinnati, OH 45246 A+5.0 ★Texas Ratio: 1.35% |
Conventional | 4 | 1.7% | 100% | $305,000 | View |
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35592 Detroit Rd, Avon, OH 44011 A+5.0 ★Texas Ratio: 2.32% |
Conventional, HELOC | 2 +4 HELOCs |
0.8% | 100% | $460,000 | View |
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475 Mcguffey Ave, Oxford, OH 45056 A+5.0 ★Texas Ratio: 1.50% |
Conventional | 2 | 0.8% | 66.7% | $265,000 | View |
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2147 East Ave, Akron, OH 44314 A+5.0 ★Texas Ratio: 5.44% |
Conventional, HELOC | 1 +2 HELOCs |
0.4% | 100% | $125,000 | View |
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201 Outerbelt St, Columbus, OH 43213 1529 A-4.9 ★Texas Ratio: 15.81% |
Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $135,000 | View |
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3983 Medina Rd, Akron, OH 44333 A+5.0 ★Texas Ratio: 4.81% |
Conventional | 1 | 0.4% | 100% | $195,000 | View |
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1135 W Ohio Pike, Amelia, OH 45102 1240 A+5.0 ★Texas Ratio: 3.32% |
Conventional | 1 | 0.4% | 100% | $465,000 | View |
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1506 N Fairfield Rd, Beavercreek, OH 45432 2737 A5.0 ★Texas Ratio: 6.22% |
Conventional | 1 | 0.4% | 50% | $245,000 | View |
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251 Washington Jackson Rd, Eaton, OH 45320 A+5.0 ★Texas Ratio: 2.86% |
Conventional | 1 | 0.4% | 100% | $605,000 | View |
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225 Reading Rd, Mason, OH 45040 B4.6 ★Texas Ratio: 20.46% |
Conventional | 1 | 0.4% | 100% | $535,000 | View |
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6550 Princeton Glendale Rd, Liberty Township, OH 45011 A5.0 ★Texas Ratio: 8.10% |
Conventional | 1 | 0.4% | 100% | $205,000 | View |
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39 Oak St, Amelia, OH 45102 A+5.0 ★Texas Ratio: 0.82% |
Conventional | 1 | 0.4% | 100% | $235,000 | View |
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112 E Liberty St, Arlington, OH 45814 A+5.0 ★Texas Ratio: 3.87% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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★ 4 stars, 1 review 335 South College Avenue, Oxford, OH 45056 A+5.0 ★Texas Ratio: 1.84% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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4200 Park Ave, Ashtabula, OH 44004 A+5.0 ★Texas Ratio: 3.82% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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3650 Olentangy River Rd Ste 100, Columbus, OH 43214 A+5.0 ★Texas Ratio: 4.12% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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633 Anderson Ferry Rd, Cincinnati, OH 45238 A+5.0 ★Texas Ratio: 0.73% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Union Home Mortgage Corp.
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Conventional | 7 | 2.9% | 100% | $290,714 | |
CrossCountry Mortgage, LLC
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Conventional, VA | 3 | 1.2% | 100% | $215,000 | |
Rapid Mortgage Company
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Conventional, FHA | 3 | 1.2% | 100% | $318,333 | |
3rd Street Financial Corp
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Conventional | 2 | 0.8% | 100% | $325,000 | |
The Equitable Mortgage Corporation
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Conventional | 1 | 0.4% | 100% | $245,000 | |
Sibcy Cline Mortgage Services, Inc.
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Conventional | 1 | 0.4% | 100% | $455,000 | |
DHI Mortgage Company, LTD.
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Conventional, FHA, VA, USDA | 21 | 8.7% | 87.5% | $351,666 | |
Rocket Mortgage
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Conventional, FHA, VA | 19 | 7.9% | 82.6% | $276,052 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 13 | 5.4% | 92.9% | $275,000 | |
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B4.0 ★Texas Ratio: 9.53% |
Conventional | 10 | 4.1% | 100% | $219,000 | View |
Ruoff Mortgage Company
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Conventional, FHA | 8 | 3.3% | 100% | $275,000 | |
Primelending
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Conventional | 7 | 2.9% | 100% | $207,857 | |
Guaranteed Rate, Inc.
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Conventional | 5 | 2.1% | 100% | $269,000 | |
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A+5.0 ★Texas Ratio: 0.38% |
Conventional, VA | 4 | 1.7% | 75% | $247,500 | View |
Nfm, Inc
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Conventional | 4 | 1.7% | 100% | $382,500 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 3 | 1.2% | 100% | $155,000 | |
Union Savings and Loan Association
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Conventional | 3 | 1.2% | 75% | $258,333 | |
Stockton Mortgage Corporation
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Conventional | 3 | 1.2% | 75% | $225,000 | |
Freedom Mortgage Corporation
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FHA, VA | 2 | 0.8% | 100% | $365,000 | |
Newrez LLC
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Conventional, VA | 2 | 0.8% | 66.7% | $275,000 | |
loanDepot.com LLC
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Conventional | 2 | 0.8% | 50% | $105,000 | |
Synergy One Lending, Inc.
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Conventional | 2 | 0.8% | 100% | $310,000 | |
Das Acquisition Company, LLC
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Conventional | 2 | 0.8% | 100% | $455,000 | |
Cardinal Financial Company, Li
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Conventional, FHA | 2 | 0.8% | 100% | $190,000 | |
Prosperity Home Mortgage, LLC
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Conventional | 2 | 0.8% | 100% | $155,000 | |
New American Funding, LLC.
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FHA | 2 | 0.8% | 100% | $270,000 | |
Fairway Independent Mort Corp
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Conventional | 2 | 0.8% | 100% | $205,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional | 2 | 0.8% | 100% | $195,000 | |
Arc Home LLC
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Conventional | 1 | 0.4% | 100% | $215,000 | |
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A+5.0 ★Texas Ratio: 3.22% |
Conventional | 1 | 0.4% | 100% | $245,000 | View |
Cornerstone First Mortgage, LLC
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Conventional | 1 | 0.4% | 100% | $305,000 | |
Goodleap, LLC
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Conventional | 1 | 0.4% | 100% | $75,000 | |
Triad Financial Services, Inc.
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Conventional | 1 | 0.4% | 100% | $65,000 | |
Movement Mortgage, LLC
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Conventional | 1 | 0.4% | 100% | $185,000 | |
Amerisave Mortgage Company
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FHA | 1 | 0.4% | 20% | $325,000 | |
Cmg Mortgage Inc
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Conventional | 1 | 0.4% | 100% | $135,000 | |
American Financing Corporation
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FHA | 1 | 0.4% | 100% | $145,000 | |
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A+5.0 ★Texas Ratio: 1.05% |
Conventional | 1 | 0.4% | 100% | $415,000 | View |
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A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.4% | 50% | $395,000 | View |
Nationstar Mortgage
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Conventional | 1 | 0.4% | 100% | $465,000 | |
Mortgage Research Center
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VA | 1 | 0.4% | 100% | $275,000 | |
Mission Loans, LLC
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Conventional | 1 | 0.4% | 100% | $125,000 | |
Nations Direct Mortgage, LLC
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Conventional | 1 | 0.4% | 100% | $475,000 | |
The Loan Store, Inc
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Conventional | 1 | 0.4% | 100% | $285,000 | |
Victory Mortgage, LLC
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Conventional | 1 | 0.4% | 100% | $275,000 | |
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A-5.0 ★Texas Ratio: 14.97% |
VA | 1 | 0.4% | 100% | $545,000 | View |
Farm Credit Mid-America, Aca
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Conventional | 1 | 0.4% | 50% | $245,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.4% | 100% | $155,000 | View |
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A5.0 ★Texas Ratio: 9.09% |
VA | 1 | 0.4% | 100% | $195,000 | View |
Spring Eq, LLC
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Conventional | 1 | 0.4% | 25% | $55,000 | |
Ark-La-Tex Financial Services LLC
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VA | 1 | 0.4% | 100% | $355,000 | |
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★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82% |
Conventional | 1 | 0.4% | 100% | $385,000 | View |
American Neighborhood Mortgage Acceptance Company
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Conventional | 1 | 0.4% | 100% | $235,000 | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
HomeBridge Financial Services, Inc
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HELOC | 0 +1 HELOCs |
0% | n/a |
Oxford Mortgage Rate Trends
Daily average mortgage rates for Ohio compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Oxford, Ohio
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, OH
Use these to narrow the list above. Each category shows how many Oxford, OH lenders fit and what that kind of lender is usually best for.
Who Lends in Oxford, OH
Independent mortgage companies closed 53.3 percent of home loans in Oxford, Ohio in 2025, banks 34.7 percent and credit unions 12 percent. Union Home Mortgage Corp. was the largest mortgage company, US Bank, N.A. the largest bank and Miami University Community Federal Credit Union the largest credit union. Among lenders headquartered in Ohio, Miami University Community Federal Credit Union led with 14 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.
Title or escrow companies usually handle closings in Ohio. State real property conveyance fee of $1 per $1,000 plus a permissive county fee of up to $3 per $1,000, for a total of up to $4 per $1,000 (0.4 percent), customarily paid by the seller; no mortgage recording tax.
More Ohio Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Oxford, OH
By home loans closed in 2025, Miami University Community Federal Credit Union was the largest mortgage lender in Oxford, Ohio with 14 loans, about 5.8 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
12 lenders closed FHA loans in Oxford, Ohio in 2025, led by DHI Mortgage Company, LTD. with 8. 12 lenders closed VA loans, led by DHI Mortgage Company, LTD., and 1 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. 33 banks and 9 credit unions closed home loans in Oxford, Ohio in 2025, alongside 43 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, Ohio 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, Ohio 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.
