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Rocket Mortgage vs SoFi
Side-by-side refinance comparison based on public data and CFPB records.
Quick Comparison
| Feature | Rocket Mortgage | SoFi |
|---|---|---|
| Wirly Rating | 4.5/5 | 4.4/5 |
| Min. Credit Score | 580 | 600 |
| Loan Types | Conventional, FHA, VA, Jumbo | Conventional, Jumbo |
| Best For | Online experience | High-balance loans |
Pros and Cons
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
SoFi
Pros
- +No origination, application, or appraisal fees
- +Competitive rates for well-qualified borrowers
- +Unemployment forbearance program for members
Cons
- -No FHA, VA, or USDA loans
- -Higher minimum credit score than some competitors
- -Limited loan product variety
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.