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Gray Fox Mortgage

Independent Mortgage Company•Charlottesville, VAHQ•Direct•Reviews near you on Google

Gray Fox Mortgage has 203 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
Conventional · VA
Place
Strong
4/5
Regional · 3 mkts
Promptness
Not enough data
—/5
No quote responses measured yet

Safe Rate Summary

What They Do Well

  • Strong pull through performance

Things to Think About

  • Pricing may be below industry average

Explore another lender or local market

Report Card

Gray Fox Mortgage performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+35.6 bps above market avg
2/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
176 loans · 0.39% above market
Strong
Top 40% of lenders
4/5
VA
21 loans · 0.09% below market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
199 loans · 0.35% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Regional · 4 markets
Sound
Top 60% of lenders
3/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Strong
Pricing
Acceptable
Pull Through
Strong
Volume176
Mix86.7%
Spread
+0.385%Above
Fees
$2,694Fees
VA Loans
Overall
Strong
Product
Sound
Pricing—
Pull Through
Strong
Volume21
Mix10.3%
Spread
-0.089%Below
Fees
$1,413Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Strong
Pricing
Acceptable
Pull Through
Strong
Volume199
Mix98.0%
Spread
+0.352%Above
Fees
$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
markets with activity
States Served
2
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

2Full-year 2024 · HMDA
2 states with loan originations
Loans originated
< 200200+None
South2
NCVA

Top Metro Areas by Place Specialization Score

1© Artaxerxes · CC BY-SA 4.0
Charlottesville, VAMetro
Volume 150Mix 73.89% of portfolio
100/100
Exceptional
2© ~delta · CC BY-SA 4.0
Staunton, VAMetro
Volume 21Mix 10.34% of portfolio
61/100
Strong
3© Greyfiveys · CC BY-SA 4.0
Virginia Beach, VA-NCMetro
Volume 10Mix 4.93% of portfolio
43/100
Sound

Top States by Place Specialization Score

Virginia
Virginia
1
VirginiaState
Volume 202Mix 99.51% of portfolio
78/100
Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion
Champion(80%+ = 40-50 points)
Superstar
Superstar(60-79% = 30-39 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 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
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.