BoxCar Mortgage in Ohio vs the state
2.8%Denial rate-14.87 pts vs state
3.4%Decision denial rate-18.47 pts vs state
77.4%Origination rate+17.50 pts vs state
6.75%Median rate-0.13 pts vs state
0.66Rate spread (pts)+0.27 pts vs state
$7,511kMedian applicant income
137Loans originated
5Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 83 | 56 | 6.0% | 6.75% | #332 |
| 2025 | 177 | 137 | 2.8% | 6.75% | #258 |
What BoxCar Mortgage lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most BoxCar Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Butler County | 34 | 19 | 3 | 8.8% |
| Hamilton County | 28 | 24 | 1 | 3.6% |
| Franklin County | 26 | 22 | 1 | 3.8% |
| Brown County | 16 | 12 | 0 | 0.0% |
| Logan County | 7 | 6 | 0 | 0.0% |
| Coshocton County | 6 | 4 | 0 | 0.0% |
| Delaware County | 5 | 5 | 0 | 0.0% |
| Madison County | 5 | 4 | 0 | 0.0% |
| Licking County | 5 | 4 | 0 | 0.0% |
| Clark County | 5 | 3 | 0 | 0.0% |
Other large lenders in Ohio
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| The Huntington National Bank | D | 42,683 | 25.8% | 7.59% |
| Rocket Mortgage | C | 23,165 | 18.5% | 6.63% |
| Fifth Third Bank | D | 21,939 | 25.6% | 7.50% |
| Crosscountry Mortgage | B | 16,066 | 3.1% | 6.75% |
| United Shore Financial Services | B | 14,626 | 13.1% | 6.45% |
| Third Federal Savings and Loan Association of Cleveland | C | 12,622 | 23.0% | 6.74% |
| PNC Bank | D | 11,607 | 24.6% | 7.40% |
| Wright-Patt Credit Union | C | 8,791 | 28.1% | 7.50% |
| U.S. Bank | D | 8,623 | 38.0% | 7.60% |
| Citizens Bank | C | 7,775 | 24.3% | 7.65% |
Frequently asked questions
Ohio: 177 applications in 2025, of which 137 were originated and 5 denied.
2.8% of all applications, or 3.4% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans BoxCar Mortgage originated in Ohio in 2025 was 6.75%, against a statewide median of 6.88%.
About this data. Figures are BoxCar Mortgage's own HMDA filing for properties located in Ohio, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology