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Research and analysis by — 23 years in banking (credit side), now analyzing federal HMDA records independently. No ads, no lender compensation. Methodology · [email protected]

Calcon Mutual Mortgage LLC: FHA denial rate in 2025

Direct answer · updated 2026-07-19

Calcon Mutual Mortgage LLC’s FHA denial rate in 2025 was 24.1%.

Calcon Mutual Mortgage LLC denied 24.1% of its 2,122 decisioned FHA applications in 2025 — rank #31 of the 100 largest FHA lenders, above the national rate of 22.1%. Source: complete CFPB HMDA 2025 federal record. Observed rates reflect applicant mix and channel as well as underwriting — not an endorsement or a warning.

Why Calcon Mutual Mortgage LLC says no

Top cited reasons on denied files in 2025: incomplete application (34.6%), debt-to-income (29.9%), credit history (15.2%) (shares of all cited reasons; a denied file may cite several). Reason codes record outcomes, not causes — context: the reason fingerprint.

Who pays for this?

Nobody. Calcon Mutual Mortgage LLC did not pay to appear here and cannot pay to change this page. FinanceRateCalc is not a lender, has no lending partners, and sells no leads — tables are processed independently from federal filings by a former banker with 23 years of credit experience. Compare: all 100 lenders ranked · all 52 states · five myths vs the record.

Source: CFPB HMDA 2025 Snapshot, FHA loan-level records (loan_type 2); decisioned applications (actions 1,2,3); denial = action 3. Reason shares over all cited reasons (lenders ≥500 apps & ≥100 denials); pricing medians over originated purchase loans; state cells n≥100. Name per 2025 Transmittal Sheet. Historical data observation — not financial, legal, or mortgage advice. FRC Research.
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