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Complimentary consulting and quick financing - find the loan that suits you best

From buying a house or car, to funding your dream vacation, FNB's loan team is here to help.

Personal Loans

When you’ve made a personal investment decision, the last thing you need is a long wait for financing. At FNB Oxford, our Loan Officers will handle your borrowing request quickly and provide you with expert advice and guidance. Everyone has different goals and dreams; we take the time to learn yours. That’s why we offer a full range of loans to meet your needs. From home improvements to vacations to paying those unexpected medical bills, we’ll work with you to find the best way to help.

Auto Loans

When you’re ready to get behind the wheel of a new or used vehicle, our loan officers are ready to make it happen. We offer competitive auto loans based on the year model and purchase price of the vehicle you’re buying. Make car shopping easier. Come see us to get pre-qualified before visiting the dealership.

Home Equity Line of Credit

If you have equity in your home, we can turn your dreams into reality with a home equity loan. Put in a pool, spruce up the den, or buy the kids a car with our comfortable loan terms. Best of all, your interest may be tax deductible. Consult your tax advisor for additional information.

Real Estate Loans

You find the right house, investment property, or land; we’ll help you find the right loan. With our competitive rates, you’ll want to check with us first on your purchase, refinance, construction, or home improvement loan. We offer an array of residential mortgage loan options and would love the opportunity to tailor a loan to suit your needs.

Personal Loan Team


John L. Barrett
President and CEO
NMLS #695913

Emily Benedict
Mortgage Loan Officer
NMLS #718621

Jeff Cousar
SVP, Commercial Loan Officer
NMLS #642268

Michael Ferris
SVP, Chief Lending Officer
NMLS #797852

Ragan Hayward
SVP, Chief Credit Officer
NMLS #1786020

Campbell Helveston
SVP, Chief Banking Officer
NMLS #501137

Drew Hull
VP, Commercial Loan Officer
NMLS #818066

Pam Murphree
VP, Consumer Loan Officer
NMLS #729622



Richie Alvarez
Community President
NMLS #695898

Clayton Jarvis
VP, Commercial Loan Officer
NMLS #2336895

Shay Seals
Consumer Lender / Business Development
NMLS #1481750


Water Valley

Justin Canterbury
VP, Market Manager
NMLS #1801001


Additional Oxford Lending Staff

Heather Cofer
NMLS #2572740

Rachel Fitts
NMLS #2136114

Rachel Love
NMLS #2434044

Ali Miller
NMLS #1220585