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Guaranteed Rate vs Rocket Mortgage
Side-by-side refinance comparison based on public data and CFPB records.
Quick Comparison
| Feature | Guaranteed Rate | Rocket Mortgage |
|---|---|---|
| Wirly Rating | 4.3/5 | 4.5/5 |
| Min. Credit Score | 620 | 580 |
| Loan Types | Conventional, FHA, VA, Jumbo, USDA | Conventional, FHA, VA, Jumbo |
| Best For | Wide loan selection | Online experience |
Pros and Cons
Guaranteed Rate
Pros
- +Extensive loan product menu including niche options
- +Both digital and in-person support available
- +Competitive rates with rate lock flexibility
Cons
- -Origination fees vary by market and loan type
- -Online reviews cite occasional processing delays
- -Not available in all states for all products
Rocket Mortgage
Pros
- +Streamlined online process with fast pre-approval
- +Wide range of loan products including jumbo
- +Highly rated mobile app and customer support
Cons
- -Origination fees may be higher than some competitors
- -No in-person branches for face-to-face meetings
- -Limited home equity loan options
Ready to see your numbers?
Use our free calculators to see exactly how much you could save with either lender.
This comparison is for educational purposes only and does not constitute financial advice. Rankings reflect publicly available data and editorial evaluation. Wirly is not a lender or mortgage broker. See our methodology.