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CALCON MUTUAL MORTGAGE LLC
Independent Mortgage Company|CAMDEN, DE|National
Loans Originated
3,339
Applications
5,273
Volume
$1 billion
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Mediocre
Overall Pull Through
Sound
Pricing and Pullthrough Overview
Average Rate Spread
+0.553%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$3,767
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
63.3%
Percentage of applications that result in closed loans
Safe Rate's 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
Report Card
CALCON MUTUAL MORTGAGE LLC performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Mediocre | Below peers | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Exceptional | Market Leader | |
VA | Strong | Highly Competitive | |
Jumbo | Sound | Industry Standard | |
USDA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Sound | National · 50 metro areas · 47 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$337,312
Average Borrower Income
$133,118
Average Property Value
$416,219
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Acceptable | Strong | Mediocre | Sound | 1,823 | 54.6% | +0.539% | $3,662 |
FHA Loans | Sound | Exceptional | Mediocre | Strong | 1,058 | 31.7% | +0.746% | $4,202 |
VA Loans | Sound | Strong | Acceptable | Strong | 378 | 11.3% | -0.071% | $2,897 |
Jumbo Loans | Acceptable | Sound | N/A | Mediocre | 37 | 1.1% | +0.336% | $3,754 |
USDA Loans | Strong | Strong | N/A | Strong | 43 | 1.3% | +0.340% | $2,737 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Acceptable | Strong | Mediocre | Sound | 3,021 | 90.5% | +0.563% | $3,721 |
Refinance | Acceptable | Strong | Mediocre | Acceptable | 318 | 9.5% | +0.467% | $4,163 |
Geographic Coverage
Metro Areas
49
States Served
47
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
AKALARAZCACOCTDCDEFLGAIAIDILINKSKYLAMAMDMEMIMNMOMSMTNCNDNENHNJNMNVOHOKORPARISCTNTXUTVAVTWAWIWV
Top Metro Areas by Place Specialization Score
1
Indianapolis, INMSA
Volume: 294Mix: 8.81%
Place Specialization
Strong
2
Virginia Beach, VA-NCMSA
Volume: 255Mix: 7.64%
Place Specialization
Strong
3
Albuquerque, NM, NMMSA
Volume: 154Mix: 4.61%
Place Specialization
Strong
4
Norwich, CTMSA
Volume: 53Mix: 1.59%
Place Specialization
Strong
5
Traverse City, MI, MIMSA
Volume: 55Mix: 1.65%
Place Specialization
Strong
6
Warren, MIMSA
Volume: 148Mix: 4.43%
Place Specialization
Strong
7
Atlanta, GAMSA
Volume: 149Mix: 4.46%
Place Specialization
Strong
8
Charleston, SCMSA
Volume: 71Mix: 2.13%
Place Specialization
Strong
9
Richmond, VA, VAMSA
Volume: 85Mix: 2.55%
Place Specialization
Strong
10
Chicago, ILMSA
Volume: 140Mix: 4.19%
Place Specialization
Strong
Showing 10 of 49 metro areas
Top States by Place Specialization Score
1
VAState
Volume: 390Mix: 11.68%
Place Specialization
Strong
2
INState
Volume: 482Mix: 14.44%
Place Specialization
Strong
3
NMState
Volume: 176Mix: 5.27%
Place Specialization
Strong
4
MIState
Volume: 365Mix: 10.93%
Place Specialization
Strong
5
ILState
Volume: 211Mix: 6.32%
Place Specialization
Strong
6
GAState
Volume: 191Mix: 5.72%
Place Specialization
Strong
7
SCState
Volume: 122Mix: 3.65%
Place Specialization
Strong
8
MTState
Volume: 76Mix: 2.28%
Place Specialization
Strong
9
TXState
Volume: 238Mix: 7.13%
Place Specialization
Strong
10
WAState
Volume: 112Mix: 3.35%
Place Specialization
Strong
Showing 10 of 30 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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