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loanDepot vs Rocket Mortgage
Side-by-side refinance comparison based on public data and CFPB records.
Quick Comparison
| Feature | loanDepot | Rocket Mortgage |
|---|---|---|
| Wirly Rating | 4/5 | 4.5/5 |
| Min. Credit Score | 620 | 580 |
| Loan Types | Conventional, FHA, VA, Jumbo | Conventional, FHA, VA, Jumbo |
| Best For | Repeat customers | Online experience |
Pros and Cons
loanDepot
Pros
- +Lifetime guarantee waives lender fees on future refinances
- +Available nationwide with local loan officers
- +Solid digital application experience
Cons
- -Higher rates reported compared to some online lenders
- -Customer service ratings have fluctuated
- -No USDA loans
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.