See RatesSecure site · Updated July 2026
- Sample APR
- 6.74%
- Min. down payment
- 3%
- Loan types
- Conventional, FHA, VA, Jumbo
- Min. credit score
- 620
Why it stands out
Rocket Mortgage highlights
- Fully digital application with real-time approval letters
- Verified Approval backs your offer like a cash buyer
- Services 90%+ of its own loans instead of selling them off
- RateShield locks your rate for up to 90 days while you shop
The verdict at a glance
Pros and cons
Pros
- Best-in-class app and document upload workflow
- Fast, reliable closings with dedicated loan-team support
- Strong conventional, FHA, VA and jumbo menu under one roof
Cons
- Rates and lender fees tend to run slightly above discount lenders
- No USDA loans and limited in-person branch options
Our full review
Our take on Rocket Mortgage
Rocket earns the top spot on the strength of a genuinely polished digital application and the largest servicing network in the country. You give up a bit on rate transparency, but the closing experience is the most predictable of any lender we tested.
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Figures shown are illustrative editorial examples and may change. Confirm current rates, fees, and terms on Rocket Mortgage’s own site before you apply.
The alternatives
How Rocket Mortgage compares
Other top-rated lenders in Mortgage Loans. Compare the numbers side by side before you decide.
| # | Provider | Rating | Sample APR | Best for | |
|---|---|---|---|---|---|
| 1 | Better | 6.61% | Best for low fees and fast pre-approval | See Rates | |
| 2 | SoFi | 6.69% | Best for members with strong credit | See Rates | |
| 3 | Veterans United | 6.58% | Best for veterans and active military | Get Quote | |
| 4 | New American Funding | 6.99% | Best for lower credit scores | Get Quote |
- Better4.7Best for Best for low fees and fast pre-approval
- SoFi4.6Best for Best for members with strong credit
- Veterans United4.5Best for Best for veterans and active military
- New American Funding4.3Best for Best for lower credit scores