Calcon Mutual Mortgage in California vs the state
12.8%Denial rate-4.64 pts vs state
19.8%Decision denial rate-2.62 pts vs state
51.1%Origination rate-5.06 pts vs state
5.69%Median rate-0.94 pts vs state
-0.32Rate spread (pts)-0.59 pts vs state
$131kMedian applicant income
292Loans originated
73Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 735 | 382 | 7.9% | 7.00% | #167 |
| 2024 | 344 | 177 | 11.3% | 7.00% | #288 |
| 2025 | 571 | 292 | 12.8% | 5.69% | #244 |
What Calcon Mutual Mortgage lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Calcon Mutual Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| San Joaquin County | 158 | 80 | 24 | 15.2% |
| Stanislaus County | 79 | 43 | 10 | 12.7% |
| Placer County | 41 | 21 | 5 | 12.2% |
| Yuba County | 40 | 26 | 3 | 7.5% |
| San Diego County | 37 | 24 | 4 | 10.8% |
| Los Angeles County | 34 | 14 | 7 | 20.6% |
| Riverside County | 29 | 18 | 1 | 3.4% |
| Solano County | 20 | 11 | 2 | 10.0% |
| San Bernardino County | 19 | 4 | 7 | 36.8% |
| Sacramento County | 17 | 9 | 0 | 0.0% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 571 applications in 2025, of which 292 were originated and 73 denied.
12.8% of all applications, or 19.8% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Calcon Mutual Mortgage originated in California in 2025 was 5.69%, against a statewide median of 6.63%.
About this data. Figures are Calcon Mutual Mortgage's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology