{
  "canonical_url": "https://lendb.ai/lender/boxcar-mortgage-llc-1969375",
  "lender": {
    "nmls_id": 1969375,
    "slug": "boxcar-mortgage-llc-1969375",
    "canonical_url": "https://lendb.ai/lender/boxcar-mortgage-llc-1969375",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1969375",
    "name": {
      "value": "BoxCar Mortgage, LLC",
      "source": "state_regulator",
      "source_url": "https://www.valorhl.com",
      "verified_at": "2026-10-13"
    },
    "dba_names": [],
    "type": "other",
    "website": {
      "value": "https://www.valorhl.com",
      "source": "state_regulator",
      "source_url": "https://www.valorhl.com",
      "verified_at": "2026-10-13"
    },
    "lo_directory_url": "https://www.valorhl.com/losearch",
    "hq_state": null,
    "loan_programs": {
      "value": [],
      "source": "state_regulator",
      "source_url": "https://www.valorhl.com",
      "verified_at": "2026-10-13"
    },
    "program_approvals": [
      {
        "program": "fha",
        "source": "HUD",
        "as_of": "2026-08",
        "source_url": "https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot"
      }
    ],
    "activity": {
      "source": "HMDA",
      "source_name": "HMDA, FFIEC/CFPB",
      "source_url": "https://ffiec.cfpb.gov/data-publication/snapshot-national-loan-level-dataset/2025",
      "as_of_year": 2025,
      "scope": "Home loans the lender funded and reported under HMDA: closed-end mortgages on 1 to 4 unit homes (no home equity lines or reverse mortgages)",
      "third_party_share": 0.001,
      "includes_brokered": false,
      "years": [
        {
          "year": 2025,
          "loans": 3018,
          "by_loan_type": {
            "conventional": 1926,
            "fha": 644,
            "va": 428,
            "usda": 20
          },
          "purchase": 2614,
          "refinance": 404,
          "other_purpose": 0,
          "jumbo": 130,
          "investor": 209,
          "volume_usd": 1159420000
        },
        {
          "year": 2024,
          "loans": 2391,
          "by_loan_type": {
            "conventional": 1537,
            "fha": 483,
            "va": 351,
            "usda": 20
          },
          "purchase": 2131,
          "refinance": 260,
          "other_purpose": 0,
          "jumbo": 61,
          "investor": 167,
          "volume_usd": 833805000
        }
      ],
      "top_states": [
        {
          "state": "GA",
          "loans": 1234
        },
        {
          "state": "FL",
          "loans": 235
        },
        {
          "state": "CO",
          "loans": 226
        },
        {
          "state": "IN",
          "loans": 182
        },
        {
          "state": "AZ",
          "loans": 181
        }
      ],
      "note": "Counts describe the company, not any one loan officer. Only lenders above the HMDA reporting thresholds file, and LenDb has matched about 70% of HMDA loan volume to lenders it lists, so a lender without HMDA data here may still make these loans."
    },
    "loan_officer_count": 54,
    "disciplinary_check": "not_checked",
    "disciplinary_actions": [],
    "last_verified_at": "2026-10-13"
  }
}