Our Story

CalCon Mutual Mortgage LLC dba OneTrust Home Loans (“OneTrust”) was founded in 2013 with a mission to create a platform that would serve borrowers and their financing needs through an efficient, transparent, and technology-driven loan process. Early on the company attracted the attention of institutional investors and capital partners and with their support, OneTrust experienced exponential growth. In three short years, OneTrust grew a staggering 971% by bringing on top-tier mortgage professionals that shared the company’s vision. 

This growth was not limited to the first three years.  From 2016 to 2019, OneTrust was able to sustain their remarkable growth by introducing innovative loan programs to serve its borrowers’ needs, developing unparalleled technology that allows for meaningful data analysis to increase operational efficiencies, and by diversifying its origination activity across several sectors including residential, commercial, structured finance, and construction.   

In 2019, the company split its growing business up into several different companies, allowing those companies to continue to grow their core businesses.  These businesses comprise the Family of Companies that, although separate from one another, work together closely to process, close, service, and acquire loans across the residential and commercial sectors. OneTrust, along with the other US companies in the “Family of Companies”, is under the leadership of Island Vibez Management, which provides Executive Management services at the direction of founding brothers Joshua and Shane Erskine.  

Today the company’s extensive leadership team features talent with a history of success in previous roles coupled with diverse backgrounds in technology, sales, marketing, operations, capital markets, and more.  Their experience has allowed both OneTrust and its sister companies to navigate the most difficult markets while continuing to grow and maintain profitability through proactive planning and risk assessment.    

OneTrust is licensed to originate and service loans in most states as well as Puerto Rico and US Virgin Islands.  It is headquartered in beautiful San Diego, California, with operations teams throughout the US and Puerto Rico.  

OneTrust Home Loans offers traditional residential loan options like Conventional, FHA, VA, USDA, and Jumbo, while boasting Portfolio, Construction, and Structure Finance lending divisions. Focusing on the core values of Innovation, Integrity, Transparency, and Greatness, OneTrust continues to strive to be at the cutting edge of the finance industry. The company places special importance on customer service as evidenced by their tagline, Service is Everything!®, and through maintaining a 96% customer satisfaction rating on a 5star review system. 


The Family of Companies


Island Vibez Management provides Executive Management services to all U.S. based companies in the Family of Companies.     


CalCon Mutual Mortgage LLC largely operates under the DBA OneTrust Home Loans (“OneTrust”) throughout most of the United States, while operating as CalCon Mutual Mortgage in Georgia, Iowa, Kentucky, Nebraska, Pennsylvania, Wisconsin, and Wyoming, and Tabor Mortgage Group in South Carolina. OneTrust is an agency direct lender that focuses on the origination and servicing of debt within the residential, construction, and commercial real estate sectors, including traditional and non-traditional balance sheet lending. OneTrust also selectively structures and operates lending joint ventures. OneTrust does not broker loans, instead funding 100% of their loans with their own balance sheet.    


OneTrust Home Loans   

Tabor Mortgage Group   


Yellowstone Global Investments (“YGI”) was formed in 2019 with a focus on debt and equity investments across multiple business sectors. YGI has equity holdings in Grind Analytics and Empower Title LLC.     

Grind Analytics 

Grind Analyticsis a diversified technology company that focuses on customer relationship management and data analytics technology. The company specializes in their business intelligence platform that centralizes data from a variety of systems in one place with interactive dashboards and reporting.  

Empower Title Co 

Empower Title Co is a full-service title and escrow company based in Texas. Their experienced team partners with clients, executing seamless transactions for residential, commercial, and builder and developer closings throughout the state. 


Yellowstone RE Holdings LLC (“YREH”) was formed in 2019 with a core focus of acquiring both performing and non-performing real estate debt across many asset classes including residential, commercial, and construction sectors.    


OneTrust International LLC (“OTINTL”) is based in San Juan, Puerto Rico.  OTINTL is an outsourced management and operations company that supports businesses in the real estate, investment, insurance, and technology sectors as well as secondary services around the acquisition, structuring and trading of pools of debt.  OTINTL is one of the fastest growing companies in Puerto Rico creating a multitude of job opportunities for the local job market.    


Puerto Rico Captive Investments LLC is an investment company based in San Juan, Puerto Rico, that focuses on investments across several asset classes, including investment into insurance receivables and real estate.