Applications / Mortgage Analytics / Lenders / Virginia / Gray Fox Mortgage
Charlottesville, VA · Non-bank or government lender · CFPB · 224 loans in 2025
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224
loans originated, 2025
254
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Gray Fox Mortgage, a Charlottesville non-bank lender that first reported in 2024, already ranks seventh in its home market, almost entirely on loans to buy homes.
In Charlottesville it ranks 7 of 337 lenders, with 4.0% of the market's lending, barely changed from 4.1% in its first year. It is a smaller presence in Staunton-Stuarts Draft, at 27 of 236, and in non-metro Virginia. In 2025 it added the Washington area and non-metro North Carolina, where it is still a minor player.
Purchases made up 92.4% of its loans and refinances the rest. Conventional loans took 92.0%, and it made no loans insured by the Federal Housing Administration. Its typical loan, $405,000, is close to the $385,000 of similar lenders, non-bank lenders making between half and twice as many loans.
It made 224 loans in 2025, up 8% from 207. Its peers grew by 6% and the whole market by 10%, so it kept pace without racing ahead. Two years of figures are too few to call a trend.
It turned down 0.5% of home-purchase applications, lower than the 3.9% typical of its peers. Its typical rate, 6.69%, sat near the middle of its peers, and only 0.5% of its loans were higher-priced (a rate well above the average for similar loans), against 1.7% for its peers.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2024–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Gray Fox Mortgage took 254 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 92.4% · Refinance 7.6%
Conventional 92.0% · VA 8.0% · of 224 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Virginia | 223 | 99.6% |
| North Carolina | 1 | 0.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Charlottesville | 170 |
| Staunton-Stuarts Draft | 22 |
| Richmond | 7 |
| Arlington-Alexandria-Reston | 4 |
| Virginia Beach-Chesapeake-Norfolk | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900KDXYNWWTTHLL39 | 2024–2025 |
Established 24 April 2023. Reported under HMDA 2024-2025.
Mergers, name changes, data editions and corrections: Gray Fox Mortgage's data.
Gray Fox Mortgage's data
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Gray Fox Mortgage and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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