BoxCar Mortgage, LLC
3,018 mortgages originated in 2025 across 10 states, and what they cost borrowers.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 3,018
- Median rate
- 6.500%
- Median lender fees
- —
- Median loan amount
- $315,000
- Median spread over APOR
- 0.275
- Paid discount points
- 62.4%
- Received lender credits
- 14.8%
- Purchases / refinances
- 86.6% / 13.4%
- Conventional / FHA / VA
- 63.8% / 21.3% / 14.2%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 0% of loans here — see methodology.
Where BoxCar Mortgage, LLC lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| Georgia | 1,234 | — | 6.490% |
| Florida | 235 | — | 6.625% |
| Colorado | 226 | — | 6.490% |
| Indiana | 182 | — | 6.750% |
| Arizona | 181 | — | 6.500% |
| North Carolina | 142 | — | 6.750% |
| Ohio | 137 | — | 6.750% |
| Alabama | 121 | — | 6.625% |
| South Carolina | 55 | — | 6.375% |
| Washington | 50 | — | — |