Purchase Originations
3,207
Ranked #153 nationally
Median Total Costs
$10,888
+63.0% vs national ($6,680)
↑ $1,283 vs prior year
Median Rate
6.375%
−1.8% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$4,311
Median Lender Credits
$175
Cost Rank (500+ vol.)
#563
among lenders with 500+ originations
Denial Rate
10.5%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| fha | 1,377 | 6.125% | $13,635 | $4,718 |
| conventional | 1,261 | 6.625% | $8,079 | $4,704 |
| va | 509 | 6.125% | $9,063 | $2,020 |
| usda | 60 | 6.058% | $8,374 | $2,084 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Virginia | 612 | 6.490% | $9,206 | #34 |
| Texas | 430 | 5.750% | $10,288 | #126 |
| South Carolina | 258 | 6.125% | $12,622 | #68 |
| California | 246 | 5.375% | $13,363 | #129 |
| North Carolina | 223 | 6.000% | $13,050 | #101 |
| Georgia | 220 | 6.625% | $12,816 | #94 |
| Indiana | 203 | 6.625% | $5,526 | #81 |
| New Mexico | 201 | 6.000% | $10,249 | #24 |
| Florida | 151 | 6.625% | $11,574 | #190 |
| Montana | 102 | 5.375% | $13,474 | #19 |
| Michigan | 98 | 6.562% | $7,088 | #111 |
| Connecticut | 76 | 6.875% | $7,598 | #60 |
| Washington | 60 | 6.490% | $18,554 | #142 |
| Oregon | 45 | 4.875% | $20,666 | — |
| Tennessee | 42 | 6.625% | $10,304 | — |
| Nevada | 28 | 6.625% | $17,086 | — |
| Massachusetts | 26 | 6.125% | $16,320 | — |
| Arizona | 21 | 6.625% | $14,288 | — |
| Oklahoma | 17 | 6.375% | $16,154 | — |
| Puerto Rico | 17 | 5.990% | $12,412 | — |
| Illinois | 13 | 6.875% | $8,806 | — |
| New Jersey | 13 | 7.490% | $11,541 | — |
| Missouri | 11 | 5.375% | $10,900 | — |
| Colorado | 10 | 6.875% | $18,542 | — |
| Kentucky | 10 | 6.688% | $5,130 | — |
| Idaho | 9 | 6.125% | $23,278 | — |
| Pennsylvania | 7 | 7.000% | $8,696 | — |
| Ohio | 6 | 6.990% | $5,865 | — |
| District of Columbia | 5 | 6.625% | $12,513 | — |
| Louisiana | 5 | 6.500% | $13,298 | — |
| Alabama | 4 | 7.125% | $9,216 | — |
| Mississippi | 4 | 6.375% | $14,799 | — |
| New Hampshire | 4 | 6.875% | $12,939 | — |
| Rhode Island | 4 | 6.808% | $11,760 | — |
| Utah | 4 | 6.500% | $21,876 | — |
| Maine | 3 | 7.990% | $7,865 | — |
| Wisconsin | 3 | 6.500% | $5,356 | — |
| Arkansas | 2 | 6.490% | $5,639 | — |
| Hawaii | 2 | 6.620% | $15,679 | — |
| Maryland | 2 | 7.308% | $7,812 | — |
| Nebraska | 2 | 6.438% | $8,173 | — |
| South Dakota | 2 | 7.058% | $28,891 | — |
| West Virginia | 2 | 7.688% | $12,511 | — |
| Iowa | 1 | 6.250% | $11,005 | — |
| Kansas | 1 | 6.990% | $4,445 | — |
| Minnesota | 1 | 5.625% | $7,125 | — |
| Wyoming | 1 | 7.490% | $19,661 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $5,448 | 6.625% | — | 40 | −$5,440 | |
| 2 | $5,739 | 6.625% | — | 67 | −$5,149 | |
| 3 | $6,770 | 6.625% | — | 49 | −$4,118 | |
| 4 | $7,325 | 6.490% | — | 33 | −$3,563 | |
| 5 | $7,378 | 6.875% | — | 50 | −$3,510 | |
| 6 | $7,645 | 6.625% | — | 41 | −$3,243 | |
| 7 | $8,158 | 6.500% | — | 51 | −$2,730 | |
| 8 | $9,604 | 5.375% | — | 67 | −$1,284 | |
| 9 | $9,822 | 5.490% | — | 55 | −$1,066 | |
| 10 | $9,933 | 5.500% | — | 72 | −$955 | |
| 11 | $10,112 | 5.990% | — | 113 | −$776 | |
| 12 | $11,474 | 6.188% | — | 96 | +$586 | |
| 13 | $12,335 | 5.750% | — | 86 | +$1,447 | |
| 14 | $12,358 | 5.375% | — | 33 | +$1,470 | |
| 15 | $13,140 | 5.062% | — | 38 | +$2,252 | |
| 16 | $13,268 | 5.000% | — | 75 | +$2,380 | |
| 17 | $13,503 | 6.125% | — | 43 | +$2,615 | |
| 18 | $13,996 | 5.375% | — | 33 | +$3,108 | |
| 19 | $14,428 | 5.625% | — | 47 | +$3,540 | |
| 20 | $14,959 | 5.990% | — | 54 | +$4,071 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Calcon Mutual Mortgage LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $325,000 | $335,000 | −$10,000 (−3.0%) |
| Median total closing costs | $10,888 | $7,127 | +$3,761 (+52.8%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.