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Calcon Mutual Mortgage

Independent Mortgage CompanyCamden, DEHQDirectReviews near you on Google

We analyzed every closed loan from Calcon Mutual Mortgage 3.3k loans across 5k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo · USDA
Place
Sound
3/5
National · 49 mkts

Safe Rate Summary

What They Do Well

  • Particularly strong in Conventional and FHA and VA and USDA loans
  • Nationwide availability with consistent service

Things to Think About

  • Rates typically 55 basis points above market average

Explore another lender or local market

Report Card

Calcon Mutual Mortgage performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+55.3 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Exceptional
Top 20% of lenders
VA
Strong
Top 40% of lenders
Jumbo
Sound
Top 60% of lenders
USDA
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
National · 50 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Strong
Pricing
Mediocre
Pull Through
Sound
Volume1,823
Mix54.6%
Spread
+0.539%Above
Fees
$3,662Fees
FHA Loans
Overall
Sound
Product
Exceptional
Pricing
Mediocre
Pull Through
Strong
Volume1,058
Mix31.7%
Spread
+0.746%Above
Fees
$4,202Fees
VA Loans
Overall
Sound
Product
Strong
Pricing
Acceptable
Pull Through
Strong
Volume378
Mix11.3%
Spread
-0.071%Below
Fees
$2,897Fees
Jumbo Loans
Overall
Acceptable
Product
Sound
Pricing
Pull Through
Mediocre
Volume37
Mix1.1%
Spread
+0.336%Above
Fees
$3,754Fees
USDA Loans
Overall
Strong
Product
Strong
Pricing
Pull Through
Strong
Volume43
Mix1.3%
Spread
+0.340%Above
Fees
$2,737Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Strong
Pricing
Mediocre
Pull Through
Sound
Volume3,021
Mix90.5%
Spread
+0.563%Above
Fees
$3,721Fees
Refinance
Overall
Acceptable
Product
Strong
Pricing
Mediocre
Pull Through
Acceptable
Volume318
Mix9.5%
Spread
+0.467%Above
Fees
$4,163Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
3,339
Applications
5,273
Volume
$1 billion
Pricing & Closing
Avg Rate Spread
+0.553%
vs. market APOR
Avg Net Fees
$3,767
Origination − Credits
Pullthrough Rate
63.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$337,312
Avg Borrower Income
$133,118
Avg Property Value
$416,219

Geographic Coverage

Geographic Performance

Metro Areas
49
markets with activity
States Served
47
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

47
47 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast8
CTMEMANHNJPARIVT
Midwest11
IAILINKSMIMNMONDNEOHWI
South17
ALARDCDEFLGAKYLAMDMSNCOKSCTNTXVAWV
West11
AKAZCACOIDMTNMNVORUTWA

Top Metro Areas by Place Specialization Score

1© TheWxResearcher · CC0
Indianapolis, INMetro
Volume 294Mix 8.81% of portfolio
78/100
Strong
2© Greyfiveys · CC BY-SA 4.0
Virginia Beach, VA-NCMetro
Volume 255Mix 7.64% of portfolio
78/100
Strong
3© Ron Reiring · CC BY 2.0
Albuquerque, NMMetro
Volume 154Mix 4.61% of portfolio
75/100
Strong
Volume 53Mix 1.59% of portfolio
74/100
Strong
5© w_lemay · CC0
Traverse City, MIMetro
Volume 55Mix 1.65% of portfolio
72/100
Strong
Volume 148Mix 4.43% of portfolio
68/100
Strong
Volume 149Mix 4.46% of portfolio
67/100
Strong
Volume 71Mix 2.13% of portfolio
67/100
Strong
Volume 85Mix 2.55% of portfolio
67/100
Strong
10© John Picken · CC BY 2.0
Chicago, ILMetro
Volume 140Mix 4.19% of portfolio
65/100
Strong
Showing 10 of 49 metro areas

Top States by Place Specialization Score

Virginia
Virginia
1
VirginiaState
Volume 390Mix 11.68% of portfolio
77/100
Strong
Indiana
Indiana
2
IndianaState
Volume 482Mix 14.44% of portfolio
76/100
Strong
New Mexico
New Mexico
3
New MexicoState
Volume 176Mix 5.27% of portfolio
74/100
Strong
Michigan
Michigan
4
MichiganState
Volume 365Mix 10.93% of portfolio
72/100
Strong
Illinois
Illinois
5
IllinoisState
Volume 211Mix 6.32% of portfolio
67/100
Strong
Georgia
Georgia
6
GeorgiaState
Volume 191Mix 5.72% of portfolio
65/100
Strong
South Carolina
South Carolina
7
South CarolinaState
Volume 122Mix 3.65% of portfolio
65/100
Strong
Montana
Montana
8
MontanaState
Volume 76Mix 2.28% of portfolio
63/100
Strong
Texas
Texas
9
TexasState
Volume 238Mix 7.13% of portfolio
63/100
Strong
Washington
Washington
10
WashingtonState
Volume 112Mix 3.35% of portfolio
63/100
Strong
Showing 10 of 30 states

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
Superstar(60-79% = 18-23 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.