Gray Fox Mortgage in Virginia vs the state
0.4%Denial rate-15.54 pts vs state
0.5%Decision denial rate-19.80 pts vs state
88.1%Origination rate+28.62 pts vs state
6.63%Median rate0.00 pts vs state
0.18Rate spread (pts)-0.04 pts vs state
$165kMedian applicant income
223Loans originated
1Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 238 | 206 | 0.0% | 6.99% | #187 |
| 2025 | 253 | 223 | 0.4% | 6.63% | #183 |
What Gray Fox Mortgage lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Gray Fox Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Albemarle County | 150 | 132 | 0 | 0.0% |
| Charlottesville city | 23 | 21 | 0 | 0.0% |
| Waynesboro city | 22 | 18 | 0 | 0.0% |
| Louisa County | 16 | 14 | 0 | 0.0% |
| Fluvanna County | 11 | 9 | 1 | 9.1% |
| Greene County | 7 | 6 | 0 | 0.0% |
| Augusta County | 3 | 3 | 0 | 0.0% |
| Poquoson city | 2 | 2 | 0 | 0.0% |
| Prince William County | 2 | 2 | 0 | 0.0% |
| Henrico County | 2 | 2 | 0 | 0.0% |
Other large lenders in Virginia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Navy Federal Credit Union | D | 19,395 | 19.3% | 7.75% |
| Rocket Mortgage | C | 19,274 | 14.8% | 6.63% |
| United Shore Financial Services | B | 13,994 | 10.4% | 6.12% |
| Truist Bank | C | 11,838 | 31.6% | 6.49% |
| Mortgage Research Center | C | 9,000 | 16.7% | 6.25% |
| Pennymac Loan Services | C | 8,334 | 10.7% | 6.38% |
| Freedom Mortgage | B | 8,029 | 6.5% | 6.25% |
| Bank of America | F | 6,584 | 31.9% | 6.24% |
| Newrez | D | 6,390 | 16.4% | 6.38% |
| Movement Mortgage | A | 6,126 | 4.3% | 6.56% |
Frequently asked questions
Virginia: 253 applications in 2025, of which 223 were originated and 1 denied.
0.4% of all applications, or 0.5% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Gray Fox Mortgage originated in Virginia in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Gray Fox Mortgage's own HMDA filing for properties located in Virginia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology