Applications / Mortgage Analytics / Lenders / California / Calcon Mutual Mortgage
San Diego, CA · Independent non-bank lender · CFPB · 4,267 loans in 2025
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4,267
loans originated, 2025
7,571
applications, 2025
49
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Calcon Mutual Mortgage, based in San Diego but lending most heavily around Virginia Beach, is a national home-purchase lender that relies on government-backed loans and also buys loans from others.
Purchases made up 85.3% of its loans. Loans insured by the Federal Housing Administration (FHA) were 37.2% of its lending, against 23.8% at similar lenders (independent non-banks making between half and twice as many loans), and loans guaranteed by the Department of Veterans Affairs (VA) 13.6%, against 7.1%. Manufactured homes made up 7.0% of its loans, against 1.5%.
It bought 806 loans from other lenders in 2025, against none at the typical peer, more than at nine in ten of them. It bought 790 in 2024 but none in 2020, so buying loans may be a newer line of business.
Its loans rose 2% to 4,267, while peers and the whole market both grew 10%. It made 7,797 loans in 2020, nearly twice today's number. Since the low of 2,823 in 2023 it has climbed back above its 2018 level of 4,096.
It lends in 49 states and 790 counties, and Virginia is its main state. Virginia Beach-Chesapeake-Norfolk is its biggest market, where it ranks 19 of 577 lenders and has lent since 2017. United Wholesale Mortgage and Mortgage Research Center lead there.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Calcon Mutual Mortgage took 7,571 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 85.3% · Refinance 13.5% · Home improvement 0.8% · Other 0.4%
Conventional 47.8% · FHA 37.2% · VA 13.6% · USDA (RHS or FSA) 1.4% · of 4,267 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Virginia | 747 | 17.5% |
| Texas | 623 | 14.6% |
| South Carolina | 342 | 8.0% |
| North Carolina | 297 | 7.0% |
| California | 292 | 6.8% |
| Georgia | 272 | 6.4% |
| Indiana | 240 | 5.6% |
| New Mexico | 234 | 5.5% |
| Florida | 225 | 5.3% |
| Montana | 168 | 3.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Virginia Beach-Chesapeake-Norfolk | 484 |
| Houston-Pasadena-The Woodlands | 403 |
| Albuquerque | 213 |
| Atlanta-Sandy Springs-Roswell | 180 |
| Charleston-North Charleston | 178 |
| Indianapolis-Carmel-Greenwood | 141 |
| Richmond | 93 |
| Stockton-Lodi | 80 |
| Norwich-New London-Willimantic | 62 |
| Traverse City | 57 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300NFPC3Y4W3Y7R87 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4877639 | 2015–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7770717225 |
Established 24 January 2013. Reported under HMDA 2014-2025.
Mergers, name changes, data editions and corrections: Calcon Mutual Mortgage's data.
Calcon Mutual Mortgage's data
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