Calcon Mutual Mortgage in New Jersey vs the state
13.2%Denial rate-4.48 pts vs state
25.0%Decision denial rate+1.95 pts vs state
39.6%Origination rate-16.06 pts vs state
7.25%Median rate+0.50 pts vs state
1.13Rate spread (pts)+0.85 pts vs state
$148kMedian applicant income
21Loans originated
7Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 27 | 14 | 14.8% | 7.23% | #413 |
| 2024 | 32 | 10 | 43.8% | 7.28% | #394 |
| 2025 | 53 | 21 | 13.2% | 7.25% | #348 |
What Calcon Mutual Mortgage lends in New Jersey
By loan purpose
By loan type
Why it denied New Jersey applicants
Where in New Jersey
Counties with the most Calcon Mutual Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Monmouth County | 9 | 4 | 1 | 11.1% |
| Ocean County | 8 | 2 | 2 | 25.0% |
| Atlantic County | 6 | 3 | 0 | 0.0% |
| Mercer County | 6 | 1 | 1 | 16.7% |
| Somerset County | 4 | 4 | 0 | 0.0% |
| Bergen County | 3 | 0 | 2 | 66.7% |
| Hunterdon County | 3 | 1 | 0 | 0.0% |
| Salem County | 2 | 1 | 0 | 0.0% |
| Morris County | 2 | 1 | 0 | 0.0% |
| Cumberland County | 2 | 1 | 1 | 50.0% |
Other large lenders in New Jersey
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 16,339 | 16.1% | 6.75% |
| TD Bank | D | 12,532 | 26.2% | 7.49% |
| Bank of America | F | 12,142 | 30.6% | 6.00% |
| Citizens Bank | C | 12,113 | 28.9% | 7.40% |
| Crosscountry Mortgage | B | 12,042 | 5.3% | 6.75% |
| PNC Bank | D | 10,815 | 27.8% | 7.75% |
| United Shore Financial Services | B | 10,552 | 15.3% | 6.38% |
| Guaranteed Rate | B | 8,643 | 5.5% | 6.58% |
| Newrez | D | 6,535 | 22.5% | 6.99% |
| Loandepot.Com | D | 6,491 | 15.3% | 6.63% |
Frequently asked questions
New Jersey: 53 applications in 2025, of which 21 were originated and 7 denied.
13.2% of all applications, or 25.0% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans Calcon Mutual Mortgage originated in New Jersey in 2025 was 7.25%, against a statewide median of 6.75%.
About this data. Figures are Calcon Mutual Mortgage's own HMDA filing for properties located in New Jersey, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology