Rocket Mortgage Review
See how often this lender beats the typical offer on 2025 loans.
How Bankrate scores Rocket Mortgage
- Price competitiveness
How often this lender's borrowers pay at or below the typical price for a comparable loan.
3 out of 5 - Amount of overpayment
How much extra borrowers ended up paying with this lender compared to the best price for a comparable loan. A higher percentile score is always better.
1 out of 5 - Customer complaints
How often consumers complain about this lender, and whether they get relief.
8%2 out of 5 - Where and what they lend
How many states and loan types this lender serves.
97%5 out of 5
No lender can pay for a higher Bankrate Rating. Every score comes from the same data and criteria.
2025 ratings, across all four measures
A few more details worth knowing
Though these don't affect the star rating, we show them so you have the full picture.
For applicants age 62 and older, we measure two things: whether this lender denies them more often than its own lending patterns would predict after accounting for loan size, income, debt-to-income ratio, and loan type; and whether it lends to them at rates similar to comparable lenders. Neither of those two measures fell outside the expected range. Credit scores are not available in this dataset, so they are not included in the analysis. Because that variable is held constant across all lenders, it should reduce the extent to which missing credit-score data affects comparisons between them.
We looked at how often a lender's applications end up as closed loans, not counting any that were denied or the applicant withdrew. At this lender, at least 95% did, which might mean quoted terms held up, applicants were well qualified, or both.
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What Bankrate's editors think
Rocket Mortgage earns a 2-star Overall Rating because its pricing is in the middle of the pack, with roughly half of its 2025 mortgages priced below comparable loans and half at or above them. Service outcomes are mixed: Rocket didn’t log many origination-related CFPB complaints in 2025, but when a complaint was filed, only 3% ended in relief for the borrower.
Rocket’s strength is its digital borrowing experience. It pioneered online mortgage lending, and its digital experience remains highly regarded. It also offers a range of mortgage types and ways for lower-income buyers to reduce costs. Its ONE+ program lets you put 1% down on a conventional loan, with Rocket adding a grant worth 2% of the purchase price (up to $7,000) toward the down payment for 3% total. Its RateBreak program offers a temporary buydown. Both are limited to buyers earning at or below 80% of their area’s median income, on loans up to $350,000.
Rocket also offers benefits through its real estate arm: you can earn closing credits by using an agent affiliated with Rocket Homes. That relationship is the subject of a pending class-action lawsuit filed in January 2026, which alleges Rocket steered borrowers through Rocket Homes into costlier loans as part of a 35% agent referral-fee arrangement. Rocket denies the allegations and has moved to dismiss, but the case remains active.
At a glance
Good for a fast, fully digital homebuying experience, even if you pay a little more for it. Rocket has consolidated many pieces of the homebuying process under one roof, which can be convenient, but it’s not a good fit if low rates are your top priority.
What consumers say
Summary: Rocket Mortgage reviewers most frequently report difficulty obtaining a response once questions arose. Negative sentiment extends to the sales process, characterized as pressured rather than supportive, and to the approval process, which most describe as difficult; a small minority report reaching the team without difficulty.
Stay AWAY!!
Predatory Lender!! VA Refinance to lower rate. They took all my equity in the process and now I pay what was 3200/mo to now 6100/mo. I am now in foreclosure.
Rob · IL
Terrible Company
Rocket Mortgage was terrible to work with. They rarely responded to emails and repeatedly asked for documents I had already sent... twice. Dan, the loan officer, eventually just stopped responding altogether after I had already provided all my information. I ended up going with another lender and successfully closed on a home with no issues. Save yourself the time and frustration and choose a lender who communicates professionally and consistently. Rocket Mortgage was not that for me.
Joseph M. · Kodak, Tn
Sorry company
They bought my home loan out and I have never missed a payment in 2 years then they say they can't find the money where I have bank account where they took it from they want me to make another payment and them not find where my frist payment went and they want work with me to stop it from showing late
Tommy . · Ider
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Figures are drawn from public lending and complaint data and weighted by loan volume.
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