BoxCar Mortgage, LLC: what its borrowers actually paid (2025)
BoxCar Mortgage, LLC reported 2,004 closed first-lien, owner-occupied home loans in 2025 under HMDA, across 75 counties in 21 states, and 1,541 in 2024. The table below shows its median rates and costs in the counties where it lent most, next to each county's all-lender median, so you can see at a glance where this lender's closed loans landed relative to the local market.
Home purchase
1,830 loans
across 75 counties with at least 5 such loans, 2025.
Refinance
174 loans
across 12 counties with at least 5 such loans, 2025.
Where BoxCar Mortgage, LLC stands
Statewide, BoxCar Mortgage, LLC ranks #28 of 364 lenders in Georgia by 2025 closed loans in this dataset, purchase and refinance combined. Below, its standing in the counties where it closed the most purchase loans in 2025. Loan-count ranks include every lender that reported at least 5 loans in the county; rate and cost ranks compare only lenders with at least 30 closed purchase loans there, so a one-off low median never outranks a lender with real volume.
| County | Loans | By closed loans | By lowest median rate | By lowest median costs |
|---|---|---|---|---|
| Fulton County, GA | 288 | #5 of 190 | #38 of 70 | under 30-loan floor |
| DeKalb County, GA | 286 | #4 of 158 | #27 of 50 | under 30-loan floor |
| El Paso County, CO | 131 | #20 of 141 | #27 of 60 | under 30-loan floor |
| Lake County, IN | 109 | #15 of 105 | #16 of 38 | under 30-loan floor |
| Cobb County, GA | 87 | #22 of 172 | #27 of 58 | under 30-loan floor |
| Cochise County, AZ | 78 | #3 of 38 | #4 of 12 | under 30-loan floor |
| Lowndes County, GA | 67 | #7 of 46 | #7 of 9 | under 30-loan floor |
| Gwinnett County, GA | 48 | #48 of 185 | #38 of 66 | under 30-loan floor |
| Hillsborough County, FL | 35 | #77 of 214 | #44 of 83 | under 30-loan floor |
| Pinellas County, FL | 29 | #61 of 185 | under 30-loan floor | under 30-loan floor |
Ranks describe 2025 closed purchase loans reported under HMDA, not current pricing. "Of N" counts the lenders eligible for that ranking: every reporting lender for loan counts, lenders with 30 or more such loans for rate and cost ranks.
County by county
Each row is this lender's median among its own closed loans in that county, with the county's all-lender median beneath it for comparison. Origination is the lender's own charges (Loan Estimate section A); points is the discount-points portion. County pages link to the full local picture.
| County | Loans | Median rate | Total costs | Origination | Points | Loan amount |
|---|---|---|---|---|---|---|
| Fulton County, GA | 288 | 6.49%county 6.375% | n/acounty $8,300 | $1,590 | $3,867 | $420,000county $395,000 |
| DeKalb County, GA | 286 | 6.49%county 6.375% | n/acounty $7,786 | $1,590 | $3,909 | $445,000county $335,000 |
| El Paso County, CO | 131 | 6.25%county 6.125% | n/acounty $7,067 | $1,595 | $3,977 | $415,000county $425,000 |
| Lake County, IN | 109 | 6.625%county 6.625% | n/acounty $4,609 | $1,790 | $892 | $235,000county $255,000 |
| Cobb County, GA | 87 | 6.49%county 6.49% | n/acounty $7,667 | $1,590 | $3,995 | $445,000county $385,000 |
| Cochise County, AZ | 78 | 6.375%county 6.49% | n/acounty $6,664 | $1,412 | $809 | $225,000county $255,000 |
| Lowndes County, GA | 67 | 6.375%county 6.25% | n/acounty $7,522 | $1,590 | $1,188 | $235,000county $255,000 |
| Gwinnett County, GA | 48 | 6.49%county 6.375% | n/acounty $8,573 | $1,590 | $3,908 | $410,000county $375,000 |
| Hillsborough County, FL | 35 | 6.49%county 6.375% | n/acounty $9,021 | $1,895 | $2,992 | $325,000county $365,000 |
| Pinellas County, FL | 29 | 6.625%county 6.5% | n/acounty $7,644 | $1,895 | $8,127 | $335,000county $355,000 |
| Graham County, AZ | 28 | 6.625%county 6.5% | n/acounty $8,492 | $1,590 | $2,130 | $300,000county $290,000 |
| Pasco County, FL | 25 | 6.375%county 6.125% | n/acounty $8,360 | $1,895 | $3,930 | $275,000county $325,000 |
| Jefferson County, AL | 24 | 6.25%county 6.499% | n/acounty $5,409 | $1,920 | $1,978 | $255,000county $275,000 |
| Porter County, IN | 24 | 6.75%county 6.625% | n/acounty $4,501 | $1,790 | $1,730 | $245,000county $285,000 |
| Hamilton County, OH | 23 | 6.99%county 6.625% | n/acounty $4,710 | $1,595 | $3,060 | $235,000county $255,000 |
| Beaufort County, SC | 23 | 6.25%county 6.49% | n/acounty $6,239 | $1,590 | $800 | $345,000county $395,000 |
| Cherokee County, GA | 22 | 6.558%county 6.5% | n/acounty $7,499 | $1,590 | $6,413 | $425,000county $415,000 |
| Brunswick County, NC | 22 | 6.933%county 6.25% | n/acounty $5,328 | $1,590 | $337 | $310,000county $290,000 |
| Shelby County, AL | 21 | 6.625%county 6.375% | n/acounty $5,827 | $1,870 | $1,630 | $285,000county $305,000 |
| Mobile County, AL | 18 | 6.375%county 6.375% | n/acounty $6,349 | $1,590 | $3,574 | $235,000county $225,000 |
| Tift County, GA | 18 | 6.375%county 6.433% | n/acounty $7,899 | $1,590 | $1,383 | $260,000county $255,000 |
| Lewis County, WA | 18 | 6.25%county 6.5% | n/acounty $9,455 | $1,693 | $1,916 | $385,000county $385,000 |
| Marion County, FL | 16 | 6.75%county 6.375% | n/acounty $7,752 | $1,590 | $414 | $215,000county $255,000 |
| Butler County, OH | 16 | 6.875%county 6.625% | n/acounty $5,033 | $1,595 | $2,405 | $275,000county $275,000 |
| Pima County, AZ | 15 | 6.25%county 6.25% | n/acounty $7,370 | $1,590 | $2,847 | $315,000county $325,000 |
| FIPS 09180, | 13 | 6.25%county 6.5% | n/acounty $5,801 | $1,595 | $2,262 | $395,000county $325,000 |
| Franklin County, OH | 13 | 6.49%county 6.5% | n/acounty $5,495 | $1,595 | $5,688 | $375,000county $295,000 |
| Brown County, OH | 12 | 6.75%county 6.75% | n/acounty $6,119 | $1,595 | $4,053 | $315,000county $225,000 |
| Bulloch County, GA | 11 | 6.625%county 6.5% | n/acounty $7,576 | $1,590 | $787 | $265,000county $275,000 |
| Forsyth County, GA | 11 | 6.49%county 6.375% | n/acounty $6,721 | $1,590 | $10,469 | $495,000county $525,000 |
| New Hanover County, NC | 11 | 6.875%county 6.49% | n/acounty $4,951 | $1,590 | $3,243 | $315,000county $365,000 |
| Clayton County, GA | 10 | 6.499%county 6.375% | n/acounty $9,339 | $1,590 | $2,444 | $205,000county $255,000 |
| Cook County, IL | 10 | 6.562%county 6.625% | n/acounty $6,859 | $1,790 | $1,190 | $200,000county $315,000 |
| Lafayette Parish, LA | 10 | 6.25%county 6.375% | n/acounty $5,912 | $1,595 | $1,304 | $220,000county $235,000 |
| Pulaski County, AR | 9 | 6.625%county 6.5% | n/acounty $4,966 | $1,645 | $1,860 | $265,000county $225,000 |
| Arapahoe County, CO | 9 | 6.375%county 6.375% | n/acounty $7,281 | $1,790 | $519 | $375,000county $455,000 |
| Douglas County, GA | 9 | 6.375%county 6.25% | n/acounty $9,832 | $1,590 | $3,276 | $365,000county $305,000 |
| Denver County, CO | 8 | 6.625%county 6.49% | n/acounty $5,563 | $4,614 | $4,752 | $425,000county $485,000 |
| Pueblo County, CO | 8 | 6.5%county 6.375% | n/acounty $7,460 | $1,790 | $3,856 | $340,000county $285,000 |
| Anoka County, MN | 8 | 6.308%county 6.5% | n/acounty $6,111 | $1,743 | $1,465 | $330,000county $325,000 |
| Cumberland County, NC | 8 | 6.25%county 6.25% | n/acounty $7,005 | $1,595 | $1,524 | $320,000county $265,000 |
| Montgomery County, TN | 8 | 6.375%county 6.15% | n/acounty $7,477 | $1,595 | $3,802 | $280,000county $315,000 |
| Contra Costa County, CA | 7 | 6.25%county 6.418% | n/acounty $8,606 | $1,595 | $5,577 | $505,000county $645,000 |
| Citrus County, FL | 7 | 6.375%county 6.5% | n/acounty $7,332 | $1,590 | $1,962 | $195,000county $245,000 |
| Berrien County, GA | 7 | 6.375%county 6.375% | n/acounty $7,287 | $1,590 | $1,288 | $235,000county $195,000 |
| Clarke County, GA | 7 | 6.624%county 6.375% | n/acounty $7,065 | $1,595 | $7,075 | $345,000county $295,000 |
| Hennepin County, MN | 7 | 6.49%county 6.5% | n/acounty $5,517 | $1,595 | $717 | $405,000county $335,000 |
| Passaic County, NJ | 7 | 6.375%county 6.5% | n/acounty $9,102 | $1,945 | $10,787 | $555,000county $505,000 |
| St. Clair County, AL | 6 | 6.438%county 6.375% | n/acounty $6,878 | $1,920 | $1,962 | $250,000county $245,000 |
| Benton County, AR | 6 | 6.438%county 6.375% | n/acounty $4,661 | $1,645 | $1,761 | $270,000county $335,000 |
Showing the 50 counties where this lender closed the most purchase loans in 2025, out of 75 counties with at least 5 such loans.
What these numbers are, and are not
Everything above is computed from the FFIEC's HMDA Modified Loan/Application Register, filtered to originated, first-lien, owner-occupied principal-residence loans that were not business-purpose or reverse mortgages, in county groups of at least 5 loans. These are medians of loans that already closed, not advertised offers, and the public file contains no credit scores. A lender whose customers skew toward larger loans, stronger credit, or paying discount points will show different medians than its neighbors at identical pricing. The methodology page documents every step.
The way to compare actual offers is the Loan Estimate: every lender must give you one within 3 business days of application, on the same standardized form, and its origination charges are binding. If you have one in hand, the checker compares it against your county's figures in your browser.
Common questions
What mortgage rates did BoxCar Mortgage, LLC borrowers get in 2025?
Across the counties where BoxCar Mortgage, LLC closed the most home-purchase loans in 2025, its county median rates ran from 6.25% to 6.99%. Each figure is a median of closed loans reported under HMDA, not an advertised offer, and the table on this page shows each county next to its all-lender benchmark.
Can I get these rates from BoxCar Mortgage, LLC today?
Not from this page. These are medians of loans that already closed, under those borrowers' credit profiles, loan sizes, discount points, and lock dates. To learn your own number, apply and get a Loan Estimate, which federal rules require within 3 business days and make close to free.
Why might BoxCar Mortgage, LLC's medians differ from the county median?
Partly pricing, partly customer mix. The public HMDA file contains no credit scores, so a lender serving stronger-credit borrowers, larger loans, or borrowers who paid points will show different medians than its neighbors at identical pricing.
Where does this data come from?
The FFIEC's public HMDA Modified Loan/Application Register, the loan-level data nearly every mortgage lender must file each year, filtered to originated, first-lien, owner-occupied, non-business, non-reverse loans, in county groups of at least 5.