Lender in Virginia · HMDA 2025
Gray Fox Mortgage, LLC mortgages in Virginia
Gray Fox Mortgage, LLC's 2025 home-purchase and refinance lending in Virginia, compared with all lenders in the state.
Gray Fox Mortgage, LLC originated 209 owner-occupied single-family loans in Virginia from 210 completed applications.
Its median conventional purchase loan costs were $5,190 versus $5,610 for all Virginia lenders, at a median 30-year fixed rate of 6.75% (Virginia: 6.625%).
Loans in VA
209
of 210 applications
Denial rate
0.5%
Purchase · VA 6.9%
Rate spread
+0.20 pts
Conv. · VA +0.10 pts
Loan amount
$415,000
Purchase · VA $385,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 195 | 194 | 0.5% | 6.750% | +0.20 pts | $5,190 | $415,000 |
| Refinance | 12 | 12 | — | — | — | — | — |
| Cash-out refinance | 3 | 3 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Virginia counties where Gray Fox Mortgage, LLC ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Albemarle County | 1 | 128 | 8.6% |
| Charlottesville city | 4 | 17 | 5.7% |
| Waynesboro city | 6 | 15 | 3.4% |
| Fluvanna County | 12 | 9 | 1.7% |
| Greene County | 13 | 6 | 1.6% |
| Louisa County | 21 | 13 | 1.5% |
| Patrick County | 22 | 1 | 0.7% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology