Purchase Originations
484
Median Total Costs
$8,001
+19.8% vs national ($6,680)
Median Rate
5.250%
−19.1% vs national (6.490%)
Median Origination
$0
Median Lender Credits
$134
Denial Rate
0.4%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| fha | 266 | 5.250% | $8,682 | $0 |
| va | 134 | 4.250% | $6,945 | $0 |
| conventional | 84 | 6.495% | $4,471 | $1,084 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Texas | 484 | 5.250% | $8,001 | #116 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $5,439 | 6.625% | — | 1 | −$2,562 | |
| 2 | $7,516 | 4.990% | — | 9 | −$485 | |
| 3 | $7,526 | 4.990% | — | 175 | −$475 | |
| 4 | $7,998 | 5.250% | — | 15 | −$3 | |
| 5 | $8,012 | 5.250% | — | 23 | +$11 | |
| 6 | $8,118 | 5.250% | — | 80 | +$117 | |
| 7 | $8,305 | 5.312% | — | 18 | +$304 | |
| 8 | $8,418 | 5.250% | — | 111 | +$417 | |
| 9 | $8,460 | 5.250% | — | 4 | +$459 | |
| 10 | $8,886 | 5.250% | — | 24 | +$885 | |
| 11 | $9,621 | 5.250% | — | 22 | +$1,620 | |
| 12 | $10,999 | 3.740% | — | 2 | +$2,998 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | KANGAROO HOME LENDING, LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $295,000 | $335,000 | −$40,000 (−11.9%) |
| Median total closing costs | $8,001 | $7,127 | +$874 (+12.3%) |
Other high-volume lenders side-by-side.
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.