BoxCar Mortgage in Georgia vs the state
1.1%Denial rate-18.09 pts vs state
1.3%Decision denial rate-23.76 pts vs state
81.8%Origination rate+27.74 pts vs state
6.49%Median rate-0.13 pts vs state
0.18Rate spread (pts)-0.09 pts vs state
$13,304kMedian applicant income
1,234Loans originated
17Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,464 | 1,046 | 2.9% | 6.62% | #58 |
| 2024 | 1,535 | 1,131 | 2.7% | 6.63% | #56 |
| 2025 | 1,508 | 1,234 | 1.1% | 6.49% | #63 |
What BoxCar Mortgage lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most BoxCar Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 446 | 362 | 3 | 0.7% |
| DeKalb County | 444 | 363 | 3 | 0.7% |
| Cobb County | 119 | 101 | 0 | 0.0% |
| Lowndes County | 87 | 73 | 3 | 3.4% |
| Gwinnett County | 69 | 55 | 1 | 1.4% |
| Cherokee County | 26 | 26 | 0 | 0.0% |
| Tift County | 23 | 19 | 0 | 0.0% |
| Berrien County | 14 | 9 | 2 | 14.3% |
| Bulloch County | 13 | 12 | 0 | 0.0% |
| Clarke County | 13 | 9 | 0 | 0.0% |
Other large lenders in Georgia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 29,845 | 18.2% | 6.63% |
| United Shore Financial Services | B | 23,784 | 12.6% | 6.25% |
| Navy Federal Credit Union | D | 12,388 | 26.4% | 7.95% |
| Truist Bank | C | 10,563 | 38.7% | 6.49% |
| Pennymac Loan Services | C | 10,273 | 11.6% | 6.49% |
| Broker Solutions | D | 9,709 | 8.6% | 6.63% |
| Mortgage Research Center | C | 9,443 | 19.8% | 6.25% |
| Freedom Mortgage | B | 9,293 | 9.1% | 6.25% |
| Bank of America | F | 9,168 | 36.5% | 6.24% |
| Ameris Bank | B | 8,065 | 10.1% | 6.50% |
Frequently asked questions
Georgia: 1,508 applications in 2025, of which 1,234 were originated and 17 denied.
1.1% of all applications, or 1.3% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans BoxCar Mortgage originated in Georgia in 2025 was 6.49%, against a statewide median of 6.63%.
About this data. Figures are BoxCar Mortgage's own HMDA filing for properties located in Georgia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology