One Trust Home Loans NMLS #46375
At a glance
- Size4,267 home loans closed in 2025
- Loan typesConventional, FHA and VA
2025 figures are for CALCON MUTUAL MORTGAGE LLC's filing.
What it closes
Share of its 2025 home loans: 48% Conventional, 37% FHA, 14% VA and 1% Other types.
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Who is One Trust Home Loans?
One Trust Home Loans is a brand of Calcon Mutual Mortgage (NMLS #46375), which is a lender listed in the NMLS registry. FreeRateUpdate publishes this review alongside current mortgage rates, a rate finder, and mortgage calculators.
Key Facts
- Lender or brokerOne Trust Home Loans
- Brand ofCalcon Mutual Mortgage, NMLS #46375
- NMLS #46375
- Profile updated
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About One Trust Home Loans
Overview
Calcon Mutual Mortgage is a mortgage lender with a physical branch network. Its 2025 mortgage activity included both purchase and refinance lending.
Mortgage options
In 2025, Calcon Mutual Mortgage made conventional, FHA, VA and USDA loans. Its loans that year were for home purchases, refinances, cash-out refinances and home improvement.
Locations
Calcon Mutual Mortgage has 71 branches across 31 states and Puerto Rico.
Company details and licensing
CalCon Mutual Mortgage LLC is a limited liability company formed in Delaware on January 24, 2013, and headquartered at 3838 Camino Del Rio North, Suite 305, San Diego, California 92108.
Calcon Mutual Mortgage uses trade names including OneTrust Home Loans, HyperSmart Home Loans and Partner Home Loans. Its NMLS company ID is 46375. It is licensed in Alaska, Alabama, Arkansas, Arizona, California, Colorado, Connecticut, the District of Columbia, Delaware, Florida, Georgia, Hawaii, Iowa, Idaho, Illinois, Indiana, Kansas, Kentucky, Louisiana, Massachusetts, Maryland, Maine, Michigan, Minnesota, Missouri, Mississippi, Montana, North Carolina, North Dakota, Nebraska, New Hampshire, New Jersey, New Mexico, Nevada, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Vermont, Washington, Wisconsin, West Virginia and Wyoming.
Verify NMLS #46375 on NMLS Consumer Access
Sources
Sources last checked . These are the outside records this profile was written from. FreeRateUpdate is not affiliated with them, and they have not reviewed, endorsed, or approved FreeRateUpdate or this page.
Formation date and trade names come from NMLS registry records. FreeRateUpdate is not affiliated with NMLS, and NMLS has not reviewed, endorsed, or approved FreeRateUpdate or this page.
Additional information
Reported application outcomes and pricing, 2025
- Filed asCALCON MUTUAL MORTGAGE LLC
- 2025 home loan decisionsOf 5,168 applications decided by CALCON MUTUAL MORTGAGE LLC in 2025, 4,267 were originated, 35 were approved but not accepted by the borrower, and 866 were denied.
- Approval rate: approved (originated plus approved but not accepted) as a share of applications decided (approved plus denied) = 83.2%. Withdrawn, incomplete and purchased loans are not counted.
- Withdrawn, incomplete and purchasedBeyond the decisions above, 2,333 applications were withdrawn by the borrower, 70 were closed for incompleteness, and 806 loans were purchased from another lender. HMDA counts these as outcomes in their own right — withdrawn before a decision, closed with no decision reached, and a purchased loan is one bought from another lender — and none of them is a lending decision.
- Median rate spread0.308 percentage points above the average prime offer rate (reported on 3,931 originations, 336 reported no spread at all — a median of what was reported, not of everything originated)
These are reported outcomes from past applications, and on their own they do not show how this lender treated any borrower.
Reported closing costs, 2025
- Median total loan costs$10,439.67 — originated closed-end household loans, 2025, 3,850 of 3,931 loans. FFIEC HMDA data browser.
- Median origination charges$4,289.95 — originated closed-end household loans, 2025, 3,931 loans. FFIEC HMDA data browser.
- About these figuresThese are historical closing costs reported in the 2025 filing, not a quote for your loan.
Reported product mix, 2025
- Loan types2,039 Conventional, 1,589 FHA, 579 VA, 60 USDA — of 4,267 reported originations, 2025. FFIEC HMDA data browser.
Evidence read October 20, 2026
Source: FFIEC HMDA data browser, 2025 filing. Historical HMDA-reported application outcomes and pricing fields for CALCON MUTUAL MORTGAGE LLC — historical outcomes for the applications it decided. This is not a statement of any consumer's likelihood of approval and not a current rate quote.
Frequently Asked Questions
What is One Trust Home Loans's NMLS number?
One Trust Home Loans's NMLS number is 46375. You can look up its license status on NMLS Consumer Access, at nmlsconsumeraccess.org.
Where can I learn more about One Trust Home Loans?
This page has One Trust Home Loans's NMLS registration and company facts, with links to the records they come from where we have them. For its license status in a particular state, check NMLS Consumer Access.