BoxCar Mortgage in Pennsylvania vs the state
8.5%Denial rate-9.82 pts vs state
10.4%Decision denial rate-11.79 pts vs state
71.2%Origination rate+10.23 pts vs state
6.99%Median rate+0.37 pts vs state
0.99Rate spread (pts)+0.75 pts vs state
$5,172kMedian applicant income
42Loans originated
5Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 35 | 26 | 5.7% | 7.13% | #528 |
| 2025 | 59 | 42 | 8.5% | 6.99% | #465 |
What BoxCar Mortgage lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most BoxCar Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cambria County | 7 | 5 | 1 | 14.3% |
| Allegheny County | 5 | 4 | 0 | 0.0% |
| Philadelphia County | 4 | 2 | 0 | 0.0% |
| Monroe County | 4 | 4 | 0 | 0.0% |
| Erie County | 3 | 3 | 0 | 0.0% |
| Montgomery County | 2 | 1 | 0 | 0.0% |
| Westmoreland County | 2 | 0 | 1 | 50.0% |
| York County | 2 | 2 | 0 | 0.0% |
| Butler County | 2 | 1 | 0 | 0.0% |
| Franklin County | 2 | 1 | 1 | 50.0% |
Other large lenders in Pennsylvania
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 22,411 | 18.6% | 6.75% |
| Citizens Bank | C | 18,256 | 28.1% | 7.65% |
| PNC Bank | D | 18,031 | 20.6% | 6.88% |
| United Shore Financial Services | B | 13,178 | 13.4% | 6.47% |
| Crosscountry Mortgage | B | 11,615 | 3.3% | 6.63% |
| Members 1st | B | 10,863 | 30.9% | 1.99% |
| First National Bank of Pennsylvania | B | 9,542 | 27.8% | 6.49% |
| Police & Fire | C | 8,460 | 34.6% | 6.25% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 8,308 | 13.7% | 6.64% |
| Pennymac Loan Services | C | 7,900 | 12.6% | 6.50% |
Frequently asked questions
Pennsylvania: 59 applications in 2025, of which 42 were originated and 5 denied.
8.5% of all applications, or 10.4% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans BoxCar Mortgage originated in Pennsylvania in 2025 was 6.99%, against a statewide median of 6.63%.
About this data. Figures are BoxCar Mortgage's own HMDA filing for properties located in Pennsylvania, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology