Oxford Financial Services

What Oxford Financial Services does

Oxford Financial Services Inc. is a privately held, family-run mortgage brokerage founded in 2004 and headquartered in Westwood, New Jersey. The firm operates as an intermediary between individual borrowers and a panel of wholesale lenders — including chartered banks, trust companies, and private funds not directly accessible to consumers — earning placement commissions rather than charging borrower fees. It is licensed by the New Jersey Department of Banking and Insurance, is a registered New York Mortgage Broker (NMLS #20140), and holds multi-state lender approvals, although active operations are concentrated in NJ and NY and the firm's website is not authorized by the New York State Department of Financial Services for in-state solicitation.

The product surface is unusually broad for a firm of 1-10 employees, spanning conventional, conforming, and non-conforming loans; government-backed programs (FHA, VA, USDA, FHA 203k, Section 184 Indian Home Loan); fixed-rate, adjustable-rate, balloon, jumbo, and reverse mortgages; and cash-out refinancing. Niche service pages target first-time buyers (the primary segment), self-employed borrowers, credit-challenged applicants, non-U.S. citizens new to the U.S., and rural/USDA buyers. Distribution is direct-to-consumer through phone (201-666-0166), email, and an online application flow on oxfordmortgage.net, supported by interactive mortgage calculators, an educational video library, a blog, and a 4-step lending process narrative. The lead mortgage broker is Mokhless Guirguis (NMLS# 20449).

The revenue model is transaction-fee only: the firm does not disclose borrower-facing pricing and earns commissions from lenders on closed loans. No funding rounds, M&A activity, patents, awards, or institutional investors are disclosed, and the firm operates without a parent company, leaving it as a small, owner-operated intermediary competing on lender breadth, local reputation (98% customer recommendation rate, per the firm), and personalized advisory service rather than on scale or proprietary technology.

Name

Oxford Financial Services

Legal name

Oxford Financial Services Inc.

Website

https://oxfordmortgage.net

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

1–10 employees

Short description

Family-run New Jersey-based mortgage broker (Oxford Financial Services Inc., founded 2004) that arranges purchase, refinance, and renewal mortgages for individual borrowers in New Jersey and New York through a panel of wholesale lenders, earning lender-paid placement commissions across a broad loan product portfolio.

Ownership category

akta.pro rank

Headquarters

HQ city

Westwood

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D

Revenue model

1. Mortgage Broker Commission: Earns placement fees and commissions from lenders for arranging mortgages. Works with multiple lenders to find best rates for customers.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels6 records

Core offering

Oxford Financial Services is a family-run independent mortgage brokerage that arranges home loans for individual consumers by sourcing and placing borrowers with multiple wholesale lenders. The company offers a broad portfolio of conventional, conforming, non-conforming, jumbo, FHA, VA, USDA, and Section 184 loan products, alongside specialized services for first-time buyers, self-employed borrowers, new-to-US residents, refinancing, renewals, pre-approval, reverse mortgages, debt consolidation, home improvement, and credit-challenged applicants across New Jersey and New York.

Product overview

Oxford Financial Services is a family-run mortgage broker that connects borrowers with optimal home loan solutions. The company offers a comprehensive portfolio of mortgage products including conventional, conforming, and non-conforming loans, as well as government-backed programs such as FHA, VA, USDA, and Section 184 Indian Home Loans. Additional offerings include specialized products for first-time buyers, self-employed individuals, investment properties, jumbo loans, renovation financing (FHA 203k), and reverse mortgages. The company also provides ancillary services including mortgage pre-approval, refinancing, renewals, debt consolidation, home improvement loans, and credit improvement programs. Supporting tools include online mortgage calculators for payment estimation.

Differentiator

Problem solved

Functional benefit

Products and services

• Conventional Home Mortgage Loans Conventional mortgage where underlying terms meet Fannie Mae and Freddie Mac criteria, offered as fixed or adjustable rate options for individual homebuyers.
• Conforming Home Mortgage Loans Mortgages conforming to FHFA financing limits and Fannie Mae/Freddie Mac underwriting guidelines, typically offering lower interest rates than non-conforming loans.
• Non-Conforming Mortgage Loans Home loans that do not conform to GSE underwriting guidelines, typically for borrowers who don't qualify for conforming loans, often with higher interest rates.
• Adjustable-Rate Mortgages (ARM) Mortgage loans with interest rates that adjust at pre-set intervals based on a benchmark index.
• Balloon Mortgage Loans Mortgages with lower payments for a set period (5-7 years) followed by a large final balloon payment.
• Cash Out Refinancing Replacing an existing mortgage with a higher-balance loan to extract home equity as cash.
• FHA Home Loans Mortgages insured by the Federal Housing Administration with lower down payment requirements and flexible lending standards, popular among first-time homebuyers.
• Fixed Rate Mortgage Loans Mortgage loans with fixed interest rates for the entire loan term, available in 10 to 30 year terms with predictable monthly payments.
• Section 184 Indian Home Loan Guarantee Program Government-backed mortgage product for American Indian and Alaska Native families, tribes, and Alaska villages with low down payment and flexible underwriting.
• Investment Property Loans Financing for single-family, townhome, condo, or multi-unit properties purchased for investment purposes to generate rental income or resale value.
• Jumbo Home Loans Non-conforming loans exceeding FHFA conforming limits for financing luxury properties and homes in competitive real estate markets.
• Rehab FHA 203k Loans Government-insured mortgages combining home purchase and renovation costs into a single loan for properties requiring rehabilitation.
• USDA Rural Development Home Loans Loans guaranteed by the USDA for purchasing property in eligible rural areas with zero down payment, low rates, and lenient credit requirements.
• VA Home Loans Government-backed mortgages for service members, veterans, and eligible surviving spouses offered through the Department of Veterans Affairs program.
• Mortgages for First Time Home Buyers Mortgage guidance and loan options designed for first-time homebuyers navigating the home purchasing process.
• Mortgages for Self-Employed Mortgage options for self-employed individuals who may have difficulty qualifying due to tax write-offs reducing declared income.
• Mortgages for New to United States Mortgage financing for borrowers with permanent or non-permanent residence status who are new to the United States.
• Debt Consolidation Using home equity to consolidate high-interest debt into a single lower-interest mortgage payment.
• Home Improvement Loans Financing options for home renovation and improvement projects, including major renovations and minor updates.
• Credit Improvement Mortgage financing solutions for individuals with credit challenges including bankruptcy or damaged credit histories.
• Reverse Mortgages Home Equity Conversion Mortgages (HECM) for homeowners 62 or older allowing them to convert home equity into cash payments.
• Mortgage Pre-Approval Pre-approval process to determine eligible loan amount based on credit report and financial documentation.
• Mortgage Refinancing Replacing an existing mortgage with a new loan to potentially lower interest rates, reduce payments, or access equity.
• Mortgage Renewals Assistance with mortgage renewal at maturity, comparing rates and options from multiple lenders.
• Mortgage Calculators Online financial tools allowing users to calculate hypothetical monthly mortgage payments including principal, interest, taxes, insurance, and HOA fees.

Quantifiable outcome

• 98% of customers would recommend the service
• +1 more outcomes

Named customers4 records

Segments7 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• Better.com: Digital-first mortgage lender pursuing the same first-time home buyer and refinance market Oxford serves, but through a fully online experience. Represents the structural competitive threat to small brokerages.
• United Wholesale Mortgage: Largest U.S. wholesale mortgage broker channel, partnering with independent mortgage brokers like Oxford. Directly comparable business model (broker-arranged loans across multiple lender partners) but operating at vastly greater scale.
• Caliber Home Loans: Mid-to-large U.S. mortgage originator with retail and wholesale channels serving conventional, government, and non-QM borrowers. Directly comparable in product mix, including specialty lending for self-employed and credit-challenged borrowers.
• Rocket Mortgage: Largest U.S. retail mortgage originator and a defining direct-to-consumer digital lender. Comparable to Oxford in that both originate residential mortgages, but operates at massive scale with proprietary technology versus Oxford's boutique broker model.
• CrossCountry Mortgage: Top-10 U.S. retail mortgage lender with strong presence in the Northeast, including New Jersey. Comparable to Oxford in offering a broad product set (Conventional, FHA, VA, USDA, Jumbo) through a high-touch branch model.
• loanDepot: National retail and wholesale mortgage lender offering conventional, FHA, VA, and jumbo products. Comparable in product breadth to Oxford but with a national footprint, in-house servicing, and a large direct-to-consumer platform.
• NewRez (shellpointmortgage): National mortgage lender and servicer with retail, wholesale, and correspondent channels. Comparable in offering government-backed and non-conforming products through broker partnerships, including the niche segments Oxford targets.
• Guaranteed Rate: Large U.S. mortgage lender combining retail branches, wholesale broker partnerships, and a digital platform (Rocket Pro). Operates a wholesale channel similar to Oxford's broker model and competes for the same loan products.

Direct peers

• Homebridge Financial Services: Wholesale mortgage lender focused on serving independent mortgage brokers — many in the NJ/NY region — with the same Conventional, FHA, VA, USDA, and non-QM products Oxford originates. Directly comparable counterparty from the lender side of Oxford's broker relationships.

Regional players

• NJ Lenders Corp. New Jersey-headquartered mortgage banker offering direct retail and wholesale broker services across the same Northeast geography Oxford serves. Closest geographic and product mix comparable to Oxford as a NJ-based independent mortgage broker.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Oxford Financial Services