# GRAY FOX MORTGAGE, LLC

> **Canonical URL:** https://saferate.com/lenders/gray-fox-mortgage


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


GRAY FOX MORTGAGE, LLC is a independent mortgage company, headquartered in Charlottesville, VA, serving borrowers across 2 states, with 203 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 72% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 23% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 254900KDXYNWWTTHLL39
- **Headquarters:** Charlottesville, VA
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** NC, VA
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 28/100
- Rating: ●●○○○ (2/5)

### Pull Through: Strong 😀
- Score: 77/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.356%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,553
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 203
- **Dollar Volume:** $83 million
- **Applications Received:** 232
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $410,419
- **Average Borrower Income:** $166,557
- **Average Property Value:** $575,049

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 61/100 | 176 | +0.385% | $2,694 | Strong 😀 |
| VA | 59/100 | 21 | -0.089% | $1,413 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 172 loans, Score: 63/100 (Strong)

**VA:**
- Purchase: 21 loans, Score: 60/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 63/100 | 199 | $82M | +0.352% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| VA | 202 | 0.19% | 78/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Charlottesville, VA | VA | 150 | 100/100 |
| Staunton | VA | 21 | 61/100 |
| Non |  | 19 | 32/100 |
| Virginia Beach | VA-NC | 10 | 43/100 |

## Where This Lender Ranks

GRAY FOX MORTGAGE, LLC appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#6** in Charlottesville, VA Mortgage Companies
  - [View Full Rankings](https://saferate.com/charlottesville-va/best-mortgage-lenders/mortgage-companies)
- 🏆 **#7** in Charlottesville, VA for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/charlottesville-va/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#11** in Charlottesville, VA
  - [View Full Rankings](https://saferate.com/charlottesville-va/best-mortgage-lenders)
- 🏆 **#12** in Charlottesville, VA for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/charlottesville-va/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#14** in Charlottesville, VA for Conventional Loans
  - [View Full Rankings](https://saferate.com/charlottesville-va/best-mortgage-lenders/conventional-loans)
- 🏆 **#14** in Charlottesville, VA for VA Loans
  - [View Full Rankings](https://saferate.com/charlottesville-va/best-mortgage-lenders/va-loans)
- 🏆 **#15** in Staunton Mortgage Companies
  - [View Full Rankings](https://saferate.com/staunton/best-mortgage-lenders/mortgage-companies)
- 🏆 **#15** in Staunton for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/staunton/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#19** in Staunton
  - [View Full Rankings](https://saferate.com/staunton/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does GRAY FOX MORTGAGE, LLC offer?

GRAY FOX MORTGAGE, LLC offers the following mortgage loan types: Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does GRAY FOX MORTGAGE, LLC offer mortgages?

GRAY FOX MORTGAGE, LLC offers mortgages in 2 states: NC, VA.

### How competitive are GRAY FOX MORTGAGE, LLC's mortgage rates?

GRAY FOX MORTGAGE, LLC has a pricing score of 28/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.356% above market average.

### What type of lender is GRAY FOX MORTGAGE, LLC?

GRAY FOX MORTGAGE, LLC is a non-depository lender that specializes in mortgage origination, headquartered in Charlottesville, VA.

### What is GRAY FOX MORTGAGE, LLC's loan approval success rate?

GRAY FOX MORTGAGE, LLC has a pull-through score of 77/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/gray-fox-mortgage

### How to Cite

> "GRAY FOX MORTGAGE, LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/gray-fox-mortgage

---

**[View Interactive Profile →](https://saferate.com/lenders/gray-fox-mortgage)**