{
  "canonical_url": "https://lendb.ai/lender/boxcar-mortgage-llc-1969375",
  "summary": "BoxCar Mortgage, LLC (company NMLS 1969375) is a mortgage lender. LenDb lists 54 of its loan officers, each with an individual NMLS ID, licensed states and sources.",
  "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"
  },
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      "full_name": "Aaron Keyes",
      "title": "Mortgage Banker",
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/aaron-keyes-2115518"
    },
    {
      "nmls_id": 136910,
      "slug": "adam-casbarro-136910",
      "full_name": "Adam Casbarro",
      "title": "Producing Branch Manager",
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/adam-casbarro-136910"
    },
    {
      "nmls_id": 2677209,
      "slug": "alex-aughenbaugh-2677209",
      "full_name": "Alex Aughenbaugh",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/alex-aughenbaugh-2677209"
    },
    {
      "nmls_id": 1973622,
      "slug": "alex-jesus-1973622",
      "full_name": "Alex Jesus",
      "title": "Mortgage Banker",
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/alex-jesus-1973622"
    },
    {
      "nmls_id": 881299,
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      "full_name": "Alexandria Giampietro",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/alexandria-giampietro-881299"
    },
    {
      "nmls_id": 2737626,
      "slug": "alyssa-jones-2737626",
      "full_name": "Alyssa Jones",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/alyssa-jones-2737626"
    },
    {
      "nmls_id": 1891725,
      "slug": "angelina-hosseinali-1891725",
      "full_name": "Angelina Hosseinali",
      "title": "Mortgage Banker",
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/angelina-hosseinali-1891725"
    },
    {
      "nmls_id": 156333,
      "slug": "angelo-christian-156333",
      "full_name": "Angelo Christian",
      "title": "Mortgage Banker",
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/angelo-christian-156333"
    },
    {
      "nmls_id": 2671695,
      "slug": "blanca-hernandez-2671695",
      "full_name": "Blanca Hernandez",
      "title": "Mortgage Banker",
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/blanca-hernandez-2671695"
    },
    {
      "nmls_id": 98518,
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      "full_name": "Bob Carucci",
      "title": "Mortgage Banker",
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/robert-carucci-98518"
    },
    {
      "nmls_id": 171835,
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      "full_name": "Bobby Kurpinsky",
      "title": "Producing Branch Manager",
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/bobby-kurpinsky-171835"
    },
    {
      "nmls_id": 114974,
      "slug": "brad-toft-114974",
      "full_name": "Brad Toft",
      "title": "Director of Construction Lending",
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/brad-toft-114974"
    },
    {
      "nmls_id": 2017928,
      "slug": "brandon-escamilla-2017928",
      "full_name": "Brandon Escamilla",
      "title": "Mortgage Banker",
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/brandon-escamilla-2017928"
    },
    {
      "nmls_id": 276127,
      "slug": "brett-johnson-276127",
      "full_name": "Brett Johnson",
      "title": "Mortgage Banker",
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/brett-johnson-276127"
    },
    {
      "nmls_id": 135955,
      "slug": "chace-holland-135955",
      "full_name": "Chace Holland",
      "title": "Mortgage Banker",
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/chace-holland-135955"
    },
    {
      "nmls_id": 146175,
      "slug": "chris-copley-146175",
      "full_name": "Chris Copley",
      "title": "Regional Vice President",
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/chris-copley-146175"
    },
    {
      "nmls_id": 1220423,
      "slug": "conor-malloy-1220423",
      "full_name": "Conor Malloy",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/conor-malloy-1220423"
    },
    {
      "nmls_id": 557358,
      "slug": "danielle-kenney-557358",
      "full_name": "Danielle Kenney",
      "title": "Producing Branch Manager",
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/danielle-kenney-557358"
    },
    {
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      "full_name": "Derrick Abbott",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/derrick-abbott-451228"
    },
    {
      "nmls_id": 186144,
      "slug": "eric-moore-186144",
      "full_name": "Eric Moore",
      "title": "Non-Producing Branch Manager",
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/eric-moore-186144"
    },
    {
      "nmls_id": 1465451,
      "slug": "erica-cano-1465451",
      "full_name": "Erica Cano",
      "title": "Mortgage Banker (Bilingual)",
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/erica-cano-1465451"
    },
    {
      "nmls_id": 221857,
      "slug": "henry-curcio-221857",
      "full_name": "Hank Curcio",
      "title": "Mortgage Banker",
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/henry-curcio-221857"
    },
    {
      "nmls_id": 2646048,
      "slug": "hayley-mcclellon-2646048",
      "full_name": "Hayley McClellon",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/hayley-mcclellon-2646048"
    },
    {
      "nmls_id": 2759837,
      "slug": "helena-christian-2759837",
      "full_name": "Helena Christian",
      "title": "Mortgage Banker",
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/helena-christian-2759837"
    },
    {
      "nmls_id": 7798,
      "slug": "james-erminger-7798",
      "full_name": "James Erminger",
      "title": "Mortgage Banker",
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/james-erminger-7798"
    },
    {
      "nmls_id": 2509901,
      "slug": "james-featherston-2509901",
      "full_name": "James Featherston",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/james-featherston-2509901"
    },
    {
      "nmls_id": 2792057,
      "slug": "jamie-dodge-2792057",
      "full_name": "Jamie Dodge",
      "title": "Mortgage Banker",
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/jamie-dodge-2792057"
    },
    {
      "nmls_id": 228931,
      "slug": "john-hofferbert-228931",
      "full_name": "John Hofferbert",
      "title": "Mortgage Banker",
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/john-hofferbert-228931"
    },
    {
      "nmls_id": 815859,
      "slug": "jordan-case-815859",
      "full_name": "Jordan Case",
      "title": "Mortgage Banker",
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/jordan-case-815859"
    },
    {
      "nmls_id": 735491,
      "slug": "kareen-jacobson-735491",
      "full_name": "Kareen Jacobson",
      "title": "Mortgage Banker",
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/kareen-jacobson-735491"
    },
    {
      "nmls_id": 1958810,
      "slug": "krishen-shah-1958810",
      "full_name": "Krishen Shah",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/krishen-shah-1958810"
    },
    {
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      "full_name": "Kyri Patterson",
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      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/kyri-patterson-1298064"
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    {
      "nmls_id": 1500971,
      "slug": "lainey-horton-1500971",
      "full_name": "Lainey Horton",
      "title": "Mortgage Banker",
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/lainey-horton-1500971"
    },
    {
      "nmls_id": 193027,
      "slug": "laura-witte-193027",
      "full_name": "Laura Witte",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/laura-witte-193027"
    },
    {
      "nmls_id": 35163,
      "slug": "mark-milam-35163",
      "full_name": "Mark Milam",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/mark-milam-35163"
    },
    {
      "nmls_id": 1042375,
      "slug": "mark-rotundo-1042375",
      "full_name": "Mark Rotundo",
      "title": "Branch Sales Manager",
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/mark-rotundo-1042375"
    },
    {
      "nmls_id": 229585,
      "slug": "matt-evans-229585",
      "full_name": "Matt Evans",
      "title": "Mortgage Banker",
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/matt-evans-229585"
    },
    {
      "nmls_id": 296523,
      "slug": "matt-orsi-296523",
      "full_name": "Matt Orsi",
      "title": "Mortgage Banker",
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/matt-orsi-296523"
    },
    {
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      "full_name": "McKenzie Kelly",
      "title": "Mortgage Banker",
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/mckenzie-kelly-1093037"
    },
    {
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      "slug": "michael-ferraro-140960",
      "full_name": "Michael Ferraro",
      "title": "Producing Branch Manager",
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/michael-ferraro-140960"
    },
    {
      "nmls_id": 2362327,
      "slug": "miguel-contreras-2362327",
      "full_name": "Miguel Contreras",
      "title": "Mortgage Banker",
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/miguel-contreras-2362327"
    },
    {
      "nmls_id": 1193751,
      "slug": "michael-gallegos-1193751",
      "full_name": "Mike Gallegos",
      "title": "VP of Sales | Mortgage Banker",
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/michael-gallegos-1193751"
    },
    {
      "nmls_id": 878587,
      "slug": "raquel-zuniga-878587",
      "full_name": "Raquel Zuniga",
      "title": "Mortgage Banker",
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/raquel-zuniga-878587"
    },
    {
      "nmls_id": 102054,
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      "full_name": "Richard Scherer",
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      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/richard-scherer-102054"
    },
    {
      "nmls_id": 7858,
      "slug": "rob-brown-7858",
      "full_name": "Rob Brown",
      "title": "Producing Branch Manager",
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/rob-brown-7858"
    },
    {
      "nmls_id": 524464,
      "slug": "russ-miller-524464",
      "full_name": "Russ Miller",
      "title": "Mortgage Banker",
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/russ-miller-524464"
    },
    {
      "nmls_id": 777170,
      "slug": "shannon-scott-777170",
      "full_name": "Shannon Scott",
      "title": "Sr. Loan Officer",
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/shannon-scott-777170"
    },
    {
      "nmls_id": 196738,
      "slug": "staci-rubin-196738",
      "full_name": "Staci Rubin",
      "title": "Mortgage Banker",
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/staci-rubin-196738"
    },
    {
      "nmls_id": 261849,
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      "full_name": "Steve Brand",
      "title": "Branch Manager",
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/steven-brand-261849"
    },
    {
      "nmls_id": 2737039,
      "slug": "susan-adams-2737039",
      "full_name": "Susan Adams",
      "title": "Mortgage Banker",
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/susan-adams-2737039"
    },
    {
      "nmls_id": 141526,
      "slug": "teresa-turner-141526",
      "full_name": "Teresa Turner",
      "title": "Mortgage Banker",
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/teresa-turner-141526"
    },
    {
      "nmls_id": 717114,
      "slug": "tiffany-lopez-717114",
      "full_name": "Tiffany Lopez",
      "title": "Mortgage Banker",
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/tiffany-lopez-717114"
    },
    {
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      "full_name": "Todd Crane",
      "title": "Founder | Mortgage Advisor",
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      "canonical_url": "https://lendb.ai/lo/todd-crane-35108"
    },
    {
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      "full_name": "Wesley Rhoads",
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      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/wesley-rhoads-2710114"
    }
  ]
}