Rocket Mortgage

Overall Score 4.9 out of 5

Overall Score 4.9 out of 5

Personalized Score out of 5


As one of the first lenders to focus on online loan applications, Rocket Mortgage has long been revolutionizing the home loan industry. Along with convenience, they offer fantastic customer service and unbeatable loan options to each of their customers.

Review Highlights:

  • The biggest home loan lender in America
  • Convenient online application process, with assistance over the phone or chat available by request
  • Fast and easy-to-use app that makes keeping up with your loan simple

Ratings Highlights

Rocket Mortgage is the top-rated lender in the country for a reason -- they have a wide array loan options, lower fees, and application standards that are easy for most homeowners to meet. With decades of experience in the industry behind them, Rocket has the customer service and quality loan offerings you need.
Loan Variety
Loans Offered Include: Fixed, ARM, FHA, VA, jumbo, 15 and 30-year terms
Rocket Mortgage offers most of the standard loan types, whether you're interested in a conventional or unconventional loan. Of note, they also offer jumbo loan options to qualifying customers.
Overall, Rocket Mortgage's fees range from low to average for the industry as a whole. Fees will vary with each situation, as home value, homeowner finances, and the current financial market all play a big part in fee calculation.
Customer Service
Although their service largely takes place online, that doesn't mean Rocket Mortgage has sacrificed personalized service by any means. The company strives to make their loan application and payment processes as easy, quick, and tailored as possible for each homeowner they work with. Whether you prefer service online, via chat, or over the phone, they have the customizable customer care experience you're looking for.
Company Reputation
Rocket Mortgage has one of the best reputations among all lenders in the nation, as is made clear by the fact that they service more home loans than any other provider. They are highly rated when it comes to customer service in particular, which is more than deserved.
Ease of Application Process
Rocket Mortgage allows you to apply for a refinance entirely online, which is a massive convenience. Their application is easy to complete, though they do require some personal information such as your social security number in order to ensure that offered rates are accurate. Operating in all 50 states, Rocket Mortgage is a great option for all homeowners to consider.
For Lower Credit Scores
Minimum Credit Score: 580-620
Credit requirements depend on the loan type in question, but in general Rocket Mortgage is lenient in this regard. As they also offer low fees and highly customizable loan options, homeowners with lower credit scores should absolutely get a quote from this brand to see what thry have to offer.
For Higher Credit Scores
If you are a homeowner with a high credit score, definitely take the time to check out Rocket Mortgage. Their array of loan offerings, great customer service, and low fees make them a fantastic option for your refinance experience.

Company Background

Headquartered in Detroit, Michigan, Rocket Mortgage is one of the largest mortgage and refinance lenders in the nation. Originally founded as Rock Financial in 1985, they continue to operate with this clear mission in mind today: to simplify home ownership for all.