BoxCar Mortgage, LLC mortgage approval rate & lending review
BoxCar Mortgage, LLC decided 6,182 mortgage applications and funded 5,718 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions BoxCar Mortgage, LLC reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to boxcar.com.
BoxCar Mortgage, LLC at a glance
Approval is 10.5 points above the 85.8% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 97% | 4,784 / 4,954 | 96% | $395K | 4,613 |
| Cash-out refinance | 95% | 311 / 329 | 96% | $245K | 297 |
| Refinance | 96% | 273 / 285 | 93% | $455K | 255 |
| Investment property purchase | 96% | 480 / 500 | 94% | $255K | 453 |
| Investment cash-out refinance | 96% | 86 / 90 | 93% | $195K | 80 |
BoxCar Mortgage, LLC lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Georgia | 98% | $395K | 3,130 | 2,945 |
| Colorado | 98% | $425K | 562 | 527 |
| Florida | 90% | $325K | 530 | 451 |
| North Carolina | 99% | $295K | 326 | 301 |
| Indiana | 98% | $235K | 260 | 244 |
| Arizona | 98% | $245K | 247 | 234 |
| Alabama | 94% | $235K | 243 | 220 |
| Ohio | 94% | $275K | 152 | 137 |
| South Carolina | 92% | $315K | 133 | 121 |
| Pennsylvania | 91% | $135K | 65 | 58 |
| Texas | 100% | $295K | 61 | 58 |
| Illinois | 84% | $205K | 55 | 45 |
| Minnesota | 98% | $325K | 55 | 50 |
| California | 96% | $505K | 53 | 49 |
| New Jersey | 77% | $505K | 43 | 33 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where BoxCar Mortgage, LLC lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Fulton County, GA | Mortgage lenders | 98% | 792 | 751 |
| DeKalb County, GA | Mortgage lenders | 98% | 760 | 720 |
| El Paso County, CO | Mortgage lenders | 98% | 275 | 259 |
| Cobb County, GA | Mortgage lenders | 98% | 256 | 243 |
| Lake County, IN | Mortgage lenders | 99% | 182 | 170 |
| Gwinnett County, GA | Mortgage lenders | 99% | 173 | 166 |
| Lowndes County, GA | Mortgage lenders | 98% | 168 | 158 |
| Cochise County, AZ | Mortgage lenders | 97% | 158 | 148 |
| Fulton County, GA | Investment property purchase | 96% | 103 | 95 |
| Cherokee County, GA | Mortgage lenders | 99% | 76 | 75 |
| Brunswick County, NC | Mortgage lenders | 97% | 76 | 72 |
| Mobile County, AL | Mortgage lenders | 99% | 67 | 63 |
The county markets where BoxCar Mortgage, LLC made the most loans. Each link opens that market with every lender ranked.
Questions about BoxCar Mortgage, LLC
What is BoxCar Mortgage, LLC's mortgage approval rate?
BoxCar Mortgage, LLC approved 96.3% of the 6,182 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 10.5 points above the 85.8% national rate for the same mix of loan types.
How often do borrowers take the loan BoxCar Mortgage, LLC offers?
Borrowers accepted 96% of the loans BoxCar Mortgage, LLC approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does BoxCar Mortgage, LLC make?
The typical home purchase mortgage loan BoxCar Mortgage, LLC made was $395K; across all loan types its typical loan ran from $195K to $455K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does BoxCar Mortgage, LLC lend?
BoxCar Mortgage, LLC decided applications in 40 of the states Fat Boy Data covers, most of them in Georgia, Colorado and Florida.
Can I apply to BoxCar Mortgage, LLC directly?
Yes. BoxCar Mortgage, LLC reports as a direct lender that takes applications from borrowers. Its website is boxcar.com.
Does this page show BoxCar Mortgage, LLC's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how BoxCar Mortgage, LLC treats applications, then get a rate quote from the lender.