Calcon Mutual Mortgage LLC: 2025 mortgage rates, costs & approvals
How Calcon Mutual Mortgage LLC priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: CALCON MUTUAL MORTGAGE LLC · LEI 549300NFPC3Y4W3Y7R87
In 2025, Calcon Mutual Mortgage LLC originated 3,371 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 46 states — 187th by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.625% (all lenders: 6.625%); its median rate spread was 18 basis points above the national median. Median conventional loan costs were $8,050, 45% higher than the national median ($5,570).
It denied 14.3% of completed home-purchase applications (all lenders: 8.5%).
How Calcon Mutual Mortgage LLC priced home-purchase loans
| Purchase loans, 2025 | Calcon Mutual Mortgage LLC | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.625% | 6.625% |
| 30-year fixed rate · FHA | 6.250% | 6.250% |
| 30-year fixed rate · VA | 6.250% | 6.125% |
| 15-year fixed rate · conventional | — | 5.875% |
| Rate spread vs. APOR · conventional | +0.31 pts | +0.13 pts |
| Total loan costs · conventional | $8,050 | $5,570 |
| Total loan costs · FHA | $13,310 | $11,310 |
| Total loan costs · VA | $8,700 | $6,490 |
| Origination charges (all types) | $3,890 | $1,860 |
| Borrowers paying discount points | 76.7% | 51.3% |
| Points paid, when paid (% of loan) | 1.50% | 0.87% |
| Borrowers receiving lender credits | 27.1% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why Calcon Mutual Mortgage LLC denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where Calcon Mutual Mortgage LLC lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Virginia | 656 | 707 | 6.0% | 6.625% | $6,690 |
| Texas | 542 | 815 | 36.6% | 6.875% | $8,330 |
| California | 257 | 324 | 19.5% | 6.750% | $12,800 |
| South Carolina | 255 | 267 | 4.9% | 6.625% | $10,180 |
| Indiana | 220 | 229 | 3.3% | 6.750% | $4,100 |
| Georgia | 204 | 237 | 14.0% | 6.625% | $9,800 |
| New Mexico | 203 | 208 | 2.0% | 6.500% | $6,200 |
| North Carolina | 198 | 218 | 7.7% | 6.875% | $10,720 |
| Florida | 148 | 182 | 13.9% | 6.875% | $8,970 |
| Montana | 122 | 133 | 7.3% | 5.375% | $11,410 |
| Michigan | 104 | 110 | 4.5% | 6.490% | $5,870 |
| Connecticut | 99 | 101 | 2.6% | 6.750% | $7,200 |
| Washington | 57 | 58 | 1.8% | — | $9,210 |
| Oregon | 45 | 55 | 18.9% | — | — |
| Tennessee | 40 | 48 | 14.0% | — | $9,140 |
| Massachusetts | 32 | 34 | 7.1% | — | — |
| Arizona | 26 | 29 | 4.8% | — | — |
| Nevada | 24 | 30 | 20.0% | — | — |
| New Jersey | 17 | 23 | — | — | — |
| Illinois | 13 | 21 | — | — | — |
| Kentucky | 11 | 15 | — | — | — |
| Colorado | 11 | 14 | — | — | — |
| Idaho | 10 | 11 | — | — | — |
| Missouri | 9 | 10 | — | — | — |
| Ohio | 7 | 8 | — | — | — |
| Pennsylvania | 7 | 7 | — | — | — |
| Maryland | 5 | 7 | — | — | — |
| District of Columbia | 5 | 6 | — | — | — |
| Rhode Island | 5 | 5 | — | — | — |
| Utah | 5 | 5 | — | — | — |
| Hawaii | 3 | 5 | — | — | — |
| West Virginia | 3 | 5 | — | — | — |
| Wisconsin | 3 | 4 | — | — | — |
| Alabama | 3 | 3 | — | — | — |
| Louisiana | 3 | 3 | — | — | — |
| Maine | 3 | 3 | — | — | — |
| New Hampshire | 3 | 3 | — | — | — |
| Arkansas | 2 | 3 | — | — | — |
| Nebraska | 2 | 2 | — | — | — |
| Oklahoma | 2 | 2 | — | — | — |
| South Dakota | 2 | 2 | — | — | — |
| Wyoming | 2 | 2 | — | — | — |
| Iowa | 1 | 1 | — | — | — |
| Kansas | 1 | 1 | — | — | — |
| Minnesota | 1 | 1 | — | — | — |
| Mississippi | 0 | 2 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Calcon Mutual Mortgage LLC's page for that state.
Counties where Calcon Mutual Mortgage LLC is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| San Saba County, TX | 1 | 3 | 12.0% |
| McKinley County, NM | 3 | 12 | 8.8% |
| Manistee County, MI | 4 | 17 | 6.3% |
| Goliad County, TX | 5 | 3 | 5.1% |
| Williamsburg County, SC | 5 | 5 | 4.6% |
| Robertson County, TX | 7 | 7 | 4.3% |
| Charlotte County, VA | 8 | 3 | 4.0% |
| Valencia County, NM | 9 | 45 | 3.9% |
| Cibola County, NM | 7 | 2 | 3.9% |
| Gloucester County, VA | 7 | 25 | 3.8% |
| Waller County, TX | 4 | 72 | 3.7% |
| Madison County, IN | 7 | 73 | 3.5% |
| Sweet Grass County, MT | 12 | 1 | 3.3% |
| Greensville County, VA | 10 | 2 | 3.1% |
| Leelanau County, MI | 8 | 7 | 3.1% |
Check Calcon Mutual Mortgage LLC yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 549300NFPC3Y4W3Y7R87.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Calcon Mutual Mortgage LLC with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology