BoxCar Mortgage in Florida vs the state
9.3%Denial rate-11.80 pts vs state
10.8%Decision denial rate-16.41 pts vs state
72.5%Origination rate+19.84 pts vs state
6.63%Median rate0.00 pts vs state
0.43Rate spread (pts)+0.16 pts vs state
$8,477kMedian applicant income
235Loans originated
30Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 77 | 44 | 5.2% | 7.25% | #536 |
| 2024 | 317 | 206 | 7.3% | 6.75% | #306 |
| 2025 | 324 | 235 | 9.3% | 6.63% | #293 |
What BoxCar Mortgage lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most BoxCar Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hillsborough County | 53 | 38 | 7 | 13.2% |
| Pinellas County | 47 | 34 | 1 | 2.1% |
| Pasco County | 34 | 27 | 0 | 0.0% |
| Marion County | 25 | 22 | 1 | 4.0% |
| Walton County | 16 | 13 | 1 | 6.3% |
| Lee County | 14 | 12 | 0 | 0.0% |
| Polk County | 14 | 8 | 5 | 35.7% |
| Hernando County | 13 | 8 | 2 | 15.4% |
| Citrus County | 12 | 8 | 3 | 25.0% |
| Broward County | 8 | 5 | 0 | 0.0% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 324 applications in 2025, of which 235 were originated and 30 denied.
9.3% of all applications, or 10.8% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans BoxCar Mortgage originated in Florida in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are BoxCar Mortgage's own HMDA filing for properties located in Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology