Nothing is given in (Acts 22:16) defining 'calling on the name of the Lord'. When you or I pray, are we not calling on the name of the Lord? Whenever we enter into communication with God or cry out to God, we are 'calling on the name of the Lord'. No, Paul had yet to be baptized. It was important for him to experience that baptism of water and spirit. But, he was already a saved man. He believed in Jesus Christ. Even in (Acts 22:10) he stated that he was being obedient to the Lord Jesus.
And, (Matt. 7:21-23) is not about the New Birth, or the denial of it.
No. The blood of Christ washes away our sins when we believe. That is why in (Mark 16:16) it says, "...but he that believeth not shall be damned." Yes we believe and are water baptized. But it is belief that moves God to declare us righteous. Not water baptism. You can be water baptized and still be an unbeliever. But you can be a believer and not be water baptized.
Yes, I noticed the word 'washed'. What of it?
(1 Peter 3:20-21) is clear about water baptism. It provides a good conscience towards God. In water baptism we publicly identify with Jesus Christ. It, in a figure only, shows what has already taken place in our life.
You need to understand that when the Bible speaks to salvation, you need to see which aspect of salvation it is talking about. Our immediate salvation, being saved from the penalty of sin. Our present salvation, our daily walk with God being saved from the corruption in this world. Or, our future salvation, being with God and Christ free from sin in a glorified body and spirit.
Just because you see 'water' in the Scripture, doesn't mean it is water baptism. Just because you see 'saved' in the Scripture doesn't mean a question of heaven or hell.
Good-Ole-Rebel