Calcon Mutual Mortgage in Texas vs the state
20.7%Denial rate+1.23 pts vs state
34.3%Decision denial rate+9.37 pts vs state
39.0%Origination rate-15.87 pts vs state
6.25%Median rate-0.25 pts vs state
0.09Rate spread (pts)-0.11 pts vs state
$102kMedian applicant income
623Loans originated
330Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,101 | 604 | 6.8% | 6.88% | #141 |
| 2024 | 626 | 318 | 13.4% | 6.88% | #222 |
| 2025 | 1,597 | 623 | 20.7% | 6.25% | #124 |
What Calcon Mutual Mortgage lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Calcon Mutual Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 307 | 137 | 77 | 25.1% |
| Montgomery County | 232 | 79 | 74 | 31.9% |
| Waller County | 196 | 81 | 56 | 28.6% |
| Fort Bend County | 126 | 63 | 25 | 19.8% |
| Galveston County | 67 | 25 | 22 | 32.8% |
| Brazoria County | 30 | 9 | 10 | 33.3% |
| Bexar County | 23 | 5 | 6 | 26.1% |
| Medina County | 18 | 6 | 2 | 11.1% |
| Travis County | 18 | 12 | 2 | 11.1% |
| Liberty County | 18 | 3 | 1 | 5.6% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 1,597 applications in 2025, of which 623 were originated and 330 denied.
20.7% of all applications, or 34.3% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Calcon Mutual Mortgage originated in Texas in 2025 was 6.25%, against a statewide median of 6.50%.
About this data. Figures are Calcon Mutual Mortgage's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology