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Gray Fox Mortgage, LLC

Independent Mortgage CompanyCharlottesville, VADirect to Consumer

Gray Fox Mortgage has 203 closed loans in our dataset — fully analyzed and benchmarked against peers across the 4 Ps of Mortgage Shopping.

Pricing
Acceptable
vs. all lenders
Pull Through
Strong
closing strength
Products
Strong
Conventional · VA
Place
Strong
Regional · 3 mkts

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Safe Rate's Summary

What They Do Well

  • Strong pull through performance

Things to Think About

  • Pricing may be below industry average

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Report Card

Gray Fox Mortgage, LLC performance at a glance

CategoryScorevs. Peers
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
Near industry average
+35.6 bps above market avg
Pull Through
Closing strength
Strong
Highly Competitive
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Highly Competitive
Top 40% of lenders
VA
Sound
Industry Standard
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Highly Competitive
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Coverage footprint
Sound
Industry Standard
Top 60% of lenders
Regional4 markets

Loan Product Performance

Performance by Loan Product

Loan TypeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Conventional
Sound
Strong
Acceptable
Strong
17686.7%
+0.385%Above
$2,694Fees
VA Loans
Sound
Sound
Strong
2110.3%
-0.089%Below
$1,413Fees

Loan Purpose Performance

Performance by Loan Purpose

PurposeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Purchase
Sound
Strong
Acceptable
Strong
19998.0%
+0.352%Above
$2,493Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
203
Applications
232
Volume
$83 million
Pricing & Closing
Avg Rate Spread
+0.356%
vs. market APOR
Avg Net Fees
$2,553
Origination − Credits
Pullthrough Rate
87.5%
Applications → Closed
Typical Borrower
Avg Loan Amount
$410,419
Avg Borrower Income
$166,557
Avg Property Value
$575,049

Geographic Coverage

Geographic Performance

Metro Areas
3
States Served
2
We count Washington DC as a state
Avg Place Specialization
Strong

States with Loan Originations

NCVA

Top Metro Areas by Place Specialization Score

1
Charlottesville, VA, VAMSA
Volume: 150Mix: 73.89%of portfolio
Place
Exceptional
2
Staunton, VAMSA
Volume: 21Mix: 10.34%of portfolio
Place
Strong
3
Virginia Beach, VA-NCMSA
Volume: 10Mix: 4.93%of portfolio
Place
Sound

Top States by Place Specialization Score

1
VAState
Volume: 202Mix: 99.51%of portfolio
Place
Strong

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 30 Points)

10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.