BoxCar Mortgage, LLC: 2025 mortgage rates, costs & approvals
How BoxCar Mortgage, LLC priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: BoxCar Mortgage, LLC · LEI 549300T7HRS5DVBUPQ06
In 2025, BoxCar Mortgage, LLC originated 2,606 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 39 states — 223rd by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.625% (all lenders: 6.625%); its median rate spread was 6 basis points above the national median.
It denied 2.7% of completed home-purchase applications (all lenders: 8.5%).
How BoxCar Mortgage, LLC priced home-purchase loans
| Purchase loans, 2025 | BoxCar Mortgage, LLC | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.625% | 6.625% |
| 30-year fixed rate · FHA | 6.375% | 6.250% |
| 30-year fixed rate · VA | 6.250% | 6.125% |
| 15-year fixed rate · conventional | 5.875% | 5.875% |
| Rate spread vs. APOR · conventional | +0.19 pts | +0.13 pts |
| Total loan costs · conventional | — | $5,570 |
| Total loan costs · FHA | — | $11,310 |
| Total loan costs · VA | — | $6,490 |
| Origination charges (all types) | — | $1,860 |
| Borrowers paying discount points | — | 51.3% |
| Points paid, when paid (% of loan) | — | 0.87% |
| Borrowers receiving lender credits | — | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why BoxCar Mortgage, LLC denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where BoxCar Mortgage, LLC lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Georgia | 1,107 | 1,164 | 1.0% | 6.500% | — |
| Colorado | 200 | 212 | 1.6% | 6.750% | — |
| Florida | 182 | 209 | 8.0% | 6.625% | — |
| Indiana | 169 | 178 | 1.2% | 6.750% | — |
| Arizona | 144 | 151 | 1.7% | 6.490% | — |
| Ohio | 124 | 129 | 2.7% | 6.990% | — |
| Alabama | 106 | 112 | 3.0% | 6.750% | — |
| North Carolina | 105 | 114 | 1.1% | 6.875% | — |
| South Carolina | 49 | 50 | 0.0% | 6.375% | — |
| Minnesota | 42 | 46 | 2.5% | 6.750% | — |
| Pennsylvania | 38 | 44 | 12.2% | — | — |
| Washington | 37 | 39 | 0.0% | — | — |
| Illinois | 34 | 40 | 11.1% | — | — |
| California | 33 | 35 | 0.0% | — | — |
| New Jersey | 30 | 40 | 27.8% | — | — |
| Arkansas | 29 | 29 | 0.0% | — | — |
| Texas | 28 | 30 | 0.0% | — | — |
| Connecticut | 23 | 28 | 0.0% | — | — |
| Tennessee | 18 | 20 | — | — | — |
| Louisiana | 17 | 18 | — | — | — |
| Wisconsin | 14 | 14 | — | — | — |
| Oklahoma | 13 | 15 | — | — | — |
| Virginia | 9 | 12 | — | — | — |
| Michigan | 9 | 9 | — | — | — |
| Maryland | 7 | 8 | — | — | — |
| Oregon | 6 | 6 | — | — | — |
| Kentucky | 5 | 6 | — | — | — |
| West Virginia | 5 | 6 | — | — | — |
| Kansas | 4 | 4 | — | — | — |
| Maine | 4 | 4 | — | — | — |
| Mississippi | 3 | 5 | — | — | — |
| Iowa | 3 | 3 | — | — | — |
| Nebraska | 3 | 3 | — | — | — |
| Idaho | 1 | 2 | — | — | — |
| Delaware | 1 | 1 | — | — | — |
| Montana | 1 | 1 | — | — | — |
| North Dakota | 1 | 1 | — | — | — |
| New Hampshire | 1 | 1 | — | — | — |
| Utah | 1 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open BoxCar Mortgage, LLC's page for that state.
Counties where BoxCar Mortgage, LLC is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Webster County, GA | 6 | 1 | 11.1% |
| Tyrrell County, NC | 3 | 2 | 9.1% |
| Wilcox County, GA | 6 | 2 | 7.7% |
| Graham County, AZ | 5 | 35 | 7.3% |
| Greenlee County, AZ | 7 | 2 | 6.7% |
| Toombs County, GA | 4 | 7 | 5.3% |
| Hemphill County, TX | 11 | 1 | 5.3% |
| Tift County, GA | 4 | 18 | 5.0% |
| Cochise County, AZ | 5 | 80 | 4.5% |
| Turner County, GA | 8 | 2 | 4.3% |
| Worth County, GA | 5 | 5 | 4.2% |
| Ben Hill County, GA | 7 | 4 | 3.9% |
| Kearny County, KS | 10 | 1 | 3.9% |
| Lowndes County, GA | 10 | 66 | 3.7% |
| DeKalb County, GA | 4 | 333 | 3.6% |
Check BoxCar Mortgage, LLC yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 549300T7HRS5DVBUPQ06.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from BoxCar Mortgage, LLC with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology