Name of the lender

Kangaroo Home Lending, LLCMortgage rates, total loan costs and denial rate, 2025

HMDA year2025

Years filed2025

Head office: Houston, TX
Reporting agency: Department of Housing and Urban Development (HUD)
Legal Entity Identifier (LEI)

Figures by state (CSV)

Kangaroo Home Lending, LLC reported 555 mortgage applications in the HMDA data of 2025.

It originated 505 loans in 2025, for $147 million in total.

The median interest rate of its loans in 2025 was 5.250%, and the national median was 6.375%.

The median total loan costs of its loans in 2025 were $7,966, and the national median was $6,413.

It denied 0.4% of the applications that it decided in 2025, and the national denial rate was 22.6%.

Filed figures of Kangaroo Home Lending, LLC, 2025
Figure	This lender	United States
Applications	555Under 0.1% of the US total	11,766,671
Loans originated	505$147 million	6,827,891
Median interest rate	5.250%	6.375%
Median total loan costs	$7,966	$6,413
Denial rate	0.4%	22.6%

HMDA data are generally not used alone to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions.
The words of the Consumer Financial Protection Bureau (CFPB). Source: Consumer Financial Protection Bureau, Summary of 2023 Data on Mortgage Lending (11 July 2024), copied on 2 Oct 2026. The figures on this page are from the HMDA data of 2025, the snapshot dataset.

Since the last update

No change on record

No tracked figure of this lender has changed since this site started its record. The record compares each update of the HMDA data with the update before it. The record of updates.

PricingMedians of 2025 loans

Interest rate and total loan costs of Kangaroo Home Lending, LLC by loan type, 2025Medians. Each value has the national median of the same loan type under it.
Loan type	Loans in the medians	Interest rate	Total loan costs	Rate spread, points
All loans	491	5.250%US 6.375%	$7,966US $6,413	−0.967US 0.161
Conventional	91	6.500%US 6.500%	$4,407US $5,393	0.140US 0.175
FHA-insured	266	5.250%US 6.250%	$8,682US $11,084	−0.926US 0.432
VA-guaranteed	134	4.250%US 6.000%	$6,945US $6,088	−1.912US −0.422

Interest rate and total loan costs of Kangaroo Home Lending, LLC by loan purpose, 2025Medians, with the national median under each value.
Loan purpose	Loans in the medians	Interest rate	Total loan costs	Rate spread, points
Home purchase	491	5.250%US 6.500%	$7,966US $6,632	−0.967US 0.169

Parts of the total loan costs of Kangaroo Home Lending, LLC by loan type, 2025Medians, with the national median under each value.
Loan type	Origination charges	Discount points, of the loans with points	Lender credits, of the loans with credits
All loans	$0US $2,062	$3,568US $2,823	$134US $567
Conventional	$1,227US $1,981	$4,895US $2,588	n/aUS $604
FHA-insured	$0US $2,831	$3,171US $3,270	$111US $567
VA-guaranteed	$0US $1,729	$3,192US $3,300	n/aUS $472

The median rate spread of these loans was 0.967 percentage points below the average prime offer rate (APOR). On a loan of $300,000, that is about $2,901 less a year, or $242 less a month. The national median spread was 0.161 points.

The dollar amount is a simple interest approximation: the rate spread times the full loan amount for one year. The balance of a loan decreases with each payment, and an APR includes some fees, so the amount for a real loan is different. What a rate spread is.

Median interest rate by year: Kangaroo Home Lending, LLC and the United States

Kangaroo Home Lending, LLCUnited States

Action takenHMDA codes and labels

Records of Kangaroo Home Lending, LLC by the action taken, 2025
Action taken	Records	Share of records	US share
1Loan originated	505	91.0%	50.4%
2Application approved but not accepted	0	0.0%	3.1%
3Application denied	2	0.4%	15.6%
4Application withdrawn by applicant	48	8.6%	12.6%
5File closed for incompleteness	0	0.0%	5.1%
6Purchased loan	0	0.0%	11.7%
7Preapproval request denied	0	0.0%	0.4%
8Preapproval request approved but not accepted	0	0.0%	1.1%

The denial rate is code 3 divided by codes 1, 2 and 3: the applications that the lender decided. Codes 4 and 5 are applications with no decision. Code 6 is a loan that the lender bought.

Denial reasonsFirst reason coded

The lender has fewer than 25 denials in 2025, so this page shows no reasons.

Loan types and purposesLoans of 2025

Applications of Kangaroo Home Lending, LLC by loan type
Loan type	Applications	Loans originated	Denial rate
Conventional	119	105	0.0%US 23.4%
FHA-insured	289	266	0.7%US 21.8%
VA-guaranteed	147	134	0.0%US 16.2%

Applications of Kangaroo Home Lending, LLC by loan purpose
Loan purpose	Applications	Loans originated	Share of loans
Home purchase	553	505	100.0%
Home improvement	0	0	0.0%
Refinancing	2	0	0.0%
Cash-out refinancing	0	0	0.0%
Other purpose	0	0	0.0%

The denial rate of a loan type is the denied applications divided by the decided applications of that type. It is "n/a" under 25 decided applications.

States where it lends1 state with 25 applications or more

Kangaroo Home Lending, LLC by state, 2025In order of the names. A state with 100 applications or more links to the lender's page for the state.
State	Applications	Loans originated	Median interest rate	Median total loan costs	Denial rate
Texas	553	505	5.250%	$7,966	0.4%

Counties of Kangaroo Home Lending, LLC with 50 applications or more, 2025In order of the names. The list has the 3 counties with the most loans of the lender.
County	Applications	Loans originated	Amount	Denial rate
Bell County, TX	201	180	$53.1 million	0.6%
Brazos County, TX	132	123	$34.0 million	0.8%
McLennan County, TX	91	81	$24.3 million	0.0%

Figures by yearHMDA 2022 to 2025

Kangaroo Home Lending, LLC by HMDA year"n/a" shows a year with fewer than 25 applications, or a year that this site does not process.
Year	Applications	Loans originated	Median interest rate	Median total loan costs	Denial rate	Records filed
2025	555	505	5.250%	$7,966	0.4%	555
2024	n/a	n/a	n/a	n/a	n/a	n/a
2023	n/a	n/a	n/a	n/a	n/a	n/a
2022	n/a	n/a	n/a	n/a	n/a	n/a

Records filed is the count on the lender's HMDA transmittal sheet. It includes purchased loans and requests for preapproval.

Denial rate by year: Kangaroo Home Lending, LLC and the United States

Kangaroo Home Lending, LLCUnited States

VA lender statisticsLoans that VA guaranteed, by month

VA-guaranteed loans of KANGAROO HOME LENDING LLC, Sep 2025 to Aug 2026National figures from the Department of Veterans Affairs. VA counts a loan in the month of the guarantee.
Month	All	Purchase
August 2026	22	22
July 2026	29	29
June 2026	25	25
May 2026	10	10
April 2026	18	18
March 2026	17	17
February 2026	15	15
January 2026	22	22
December 2025	24	24
November 2025	16	16
October 2025	17	17
September 2025	34	34

IRRRL is the VA Interest Rate Reduction Refinance Loan. The VA name of the lender is "KANGAROO HOME LENDING LLC". Every month.

Peer lenders12 lenders

These lenders originated a count of loans close to the count of this lender, in the same states. The site compares the applications of each lender by state. The list is not a ranking.

Advancial Federal Credit UnionDallas, TX
Amplify Credit UnionAustin, TX
First Community Credit UnionHouston, TX
Fort Worth Community Credit UnionBedford, TX
Integrity Mortgage Corporation of TexasHeath, TX
Jefferson BankSan Antonio, TX
Neches Federal Credit UnionPort Neches, TX
Nextmortgage, LLCSan Ramon, CA
Pikeview Mortgage, LLCHouston, TX
Stonewood Home Lending, LLCHouston, TX
Texas Mortgage Lending, LLCAllen, TX
Verabank,N.A.Henderson, TX

Official channelsLinks checked 2 Oct 2026

HMDA Data Browser (FFIEC and CFPB)The HMDA records of this lender, with a CSV download.
Submit a complaint (Consumer Financial Protection Bureau)The CFPB form for a complaint about a mortgage or a lender.

Cite this page

Page: Lender Register, "Kangaroo Home Lending, LLC mortgage rates, 2025", https://lenderregister.com/lender/549300uk9r93lgqhov21-kangaroo-home-lending-llc/
Lender: Kangaroo Home Lending, LLC, LEI 549300UK9R93LGQHOV21
Source: Federal Financial Institutions Examination Council and Consumer Financial Protection Bureau, Home Mortgage Disclosure Act data, 2025, snapshot dataset
Data date: HMDA year 2025. Page made 2 Oct 2026.

Provenance

The figures come from the public HMDA loan/application register of 2022 to 2025. The count of records filed comes from the transmittal sheets of 2025 to 2025. The FFIEC and the CFPB publish them at ffiec.cfpb.gov. The name, the head office and the agency are from the newest transmittal sheet of the LEI. The VA figures are from the VA lender statistics.

This site withholds a figure with fewer than 25 applications and a median with fewer than 20 loans. Method of the figures. Terms. Report an error.

Questions

How many loans did Kangaroo Home Lending, LLC buy from other lenders in 2025?: It reported no purchased loans. HMDA counts a purchased loan apart from the applications, so the denial rate does not include it.
In which states did Kangaroo Home Lending, LLC originate the most loans in 2025?: It had 25 applications or more in one state only: Texas, with 505 loans originated.
Which loan types did Kangaroo Home Lending, LLC originate in 2025?: 105 conventional, 266 FHA and 134 VA.
How many records did Kangaroo Home Lending, LLC file for 2025?: Its transmittal sheet counts 555 records. The count includes purchased loans and requests for preapproval, so it is not the count of applications.