Rocket Mortgage Review

Overall Score
4.9 out of 5
4.7 out of 5
Loan Volume
5.0 out of 5
Editorial Rating
4.9 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.


  • Trustpilot users grade Rocket Mortgage as one of the top mortgage lenders in the industry
  • With over a hundred billion in loan origination loan volume in 2022, Rocket gets the full 5 stars when it comes to loan volume
  • 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
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.

Rocket Mortgage Ratings

The team at considers a variety of sources and methods to determine an overall ratings score. First, a lender's Trustpilot score (or TrustScore) is factored in, when available. Truspilot, a third-party review site, is a leading source regarding customer satisfaction and consumer sentiment. From there, for lenders that publicly release their financial statements, we research loan origination volume. Loan origination volume is one way to understand a lender's solvency and transactional reliability. Next is brand strength. For lenders who have met a certain threshold of engagement on, we measure their relative popularity among our consumers. And finally, we offer our editorial ratings, which rely heavily on in-depth brand research and secret shopping.

Editor Ratings

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 they 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.

Additional Ratings

Trustpilot Rating
  • With over 20K reviews on Trustpilot, it's incredible that Rocket Mortgage maintains a 4.7 rating
  • Customers routinely praise the company's stellar service and reliable reputation
Loan Volume Rating
  • Rocket Mortgage's loan origination figure for 2022 sits at 133.1 billion dollars, the highest in the industry*
Editorial Ratings
  • A giant in the mortgage space, Rocket Mortgage is a obvious choice for any homeowner looking for a convenient refi. This company has more than earned their reputation as one of the most reliable lenders out there.

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.