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Rocket Loans Reviews

Rated 3.9 based on 156 Reviews

1050 Woodward Ave, Detroit, MI 48226, United States

Banks Detroit

Published on
July 10, 2025
Last updated
July 10, 2025

Reviews Summary

Overall sentiment for Rocket Loan's lending services is largely negative, as revealed by customer reviews. Many customers report inconsistent communication, particularly when dealing with loan modifications or special requests, citing frequent contradictory information from representatives. Issues with the application process, repeated document requests, and intrusive marketing communications are also prominent complaints. Only one review among the ten provides clearly positive feedback, highlighting professionalism and responsiveness.

The most common themes include dissatisfaction with customer support quality and a perceived lack of transparency or clarity in lending criteria. Many reviewers note feeling misled about income or credit requirements, and several mention frustration with repetitive or unclear document verification steps. There are repeated statements about the approval process not aligning with advertised claims, and some noted concerns about persistent, unwanted marketing communications. Positive experiences, notably, are rare but mention knowledgeable and polite staff and competitive products.

Based on recent customer feedback, Rocket Loan maintains a mixed-to-poor reputation in the lending sector. While there is an instance of professional, efficient service, negative experiences dominate, focused on inconsistent processes, poor follow-up, and unmet expectations with loan applications. The company appears to struggle with customer retention and positive word-of-mouth in its current operational geography.
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What Customers Are Saying About Rocket Loans?

Excellent experience overall

Trustguide extracts key phrases from reviews about Rocket Loans and sort them by sentiment. This gives you a quick view of what customers consistently praise or raise concerns about—without needing to read every review.

Satisfaction Score

Based on the set of reviews used to generate this report, it appears that 10% of Rocket Loans's customers had a positive experience.

Positive
10%
Neutral
0%
Negative
90%

Rocket Loans Ratings

1

As of Based on 156 revies as of Jul 10, 2025

Rocket Loans Score

10%

As of Based on 156 revies as of Jul 10, 2025

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Customer Reviews

As of Jul 10, 2025, 156 customers have reviewed this business and rated it 3.9 Star out of 5. Trustguide conducted an in-depth analysis of Rocket Loans's publicly available reviews View source

Stacey Smith rated Rocket Loans 1 stars
a week ago
Although I am very appreciative at how my dealings with Rocket started out; I can no longer recommend them due to the varying answers I get from different reps when I reach out for help or questions. I used a COVID forbearance option in 2021 and even then was given so many different answers that I should have avoided doing so. Now I am really trying my best to pay of my mortgage earlier and NO one seems to be able to help. The HUD forbearance info directs you to reach out to your mortgage servicer to come up with a repayment plan but all Rocket reps. I have spoken to tell me that when they are paid off that I must pay one lump sum to HUD. HUD says work it out with Rocket. I was told originally that the payments would just be added onto the end of my loan but now all I get is talk to HUD. They do not seem to care and definitely not knowledgeable. When researching FHA/HUD forbearance online it specifically states a lump sum payment is NOT required....obviously I owe the money and want to pay my original agreed upon amount....but getting the run around is really stressful. I totally regret trusting them and entering into forbearance in the first place. I refused several times the forbearance offer until I had a rep tell me the others were wrong and it was simply adding payments onto the end of my term. DO NOT USE any type of loan modification program with these folks. I might also add that their website shows two different Principal amounts and next to the larger amount it shows an inaccurate payoff date. If I do not owe them the amount why show two different principal amounts?
Terry Rodwell rated Rocket Loans 1 stars
Edited 2 months ago
Very poor customer support. When applying for a loan they connected to my account to verify income. Since part of my income goes to my wife's account they could not verify total income. They stated they would elevate the issue and get right back to me which they never did. They wanted to verify my account with two Mico deposits. One micro withdrawal posted to my account but no deposit. They then called to say they wanted a voided check to verify my account instead of the micro deposit verification. I provided them proof of total income and then they said that wasn't necessary but I needed to complete steps on line to verify income. Ridiculous customer service when I have an over 800 credit score. Don't believe the "fast and easy" online application with same day funding. UPDATE Now they want a notarized color copy of my bank statement. UPDATE Now they changed their minds and want a pdf copy of my latest bank statement and my bank routing and account number (which was already provided so they could micro deposit) UPDATE Now they want a copy of my annuity which was previously provided UPDATE Now they have reinitiated two micro deposits and want verification when received with NO link on how to verify. That link was removed after first update and they don't want routing and bank account number UPDATE And now, despite verifying my account via Plaid plus receiving a copy of my retirement annuity and social security annuity they have reset my verifiable income to $0.00. This is almost too funny to be true. All in the same day. Ridiculous!!! Worthless. To have a senior leader call me and tell me that they can't verify my account even after making an unauthorized withdrawal followed up with the two Mico deposits they said they were going to make four days ago and try telling me that never happened. Not to mention he says there is no record of asking for micro deposits on my dashboard even though I have screenshots proving both the above.
FrozenRemix1 rated Rocket Loans 1 stars
Edited 2 months ago
Rocket Loan, Please refrain from sending me JUNK mail with “offers for loans over $30,000” that you have no intention on granting. You’re wasting valuable time, productivity, ink, and trees. Thanks!

Frequently Asked Questions About Rocket Loans

How does Rocket Loan verify applicants' income and financial information?

Rocket Loan uses digital account connections and document uploads to verify income. Several reviews mention multiple requests for bank statements, micro-deposits, voided checks, and annuity statements, indicating a detailed but sometimes repetitive verification process for applicants.

Does having good credit guarantee favorable rates or loan approval with Rocket Loan?

No, reviews indicate that even applicants with high credit scores may not receive competitive rates or approval. Several customers referenced being denied or offered unfavorable rates despite strong credit and payment histories.

Can customers opt out of marketing communications from Rocket Loan?

Some customers report ongoing marketing communications, including unwanted text messages and mail, even after requesting removal. Repeated attempts to opt out may be necessary, as blocking numbers does not always prevent further contact.

About Rocket Loans

Banks
Rocket Loan is a financial company that provides personal lending solutions and mortgage-related products. Operating within the consumer finance industry, Rocket Loan delivers loan services primarily through a digital application and evaluation process, allowing customers to apply, verify information, and receive offers online.

The company’s workflow involves online submission of required documentation, digital verification of income and assets, and communication with borrowers via web portals, phone, and electronic messaging. Application reviews are conducted through automated and manual processes, including identity and financial checks, to determine eligibility. Rocket Loan also handles loan servicing and refinancing operations from initial contact through to funding and ongoing customer management.
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How is this report generated

Trustguide generates concise, neutral summaries of business reviews. By analyzing publicly available feedback from reputable platforms, it highlights common experiences, praises, and concerns. This allows users to quickly understand a business’s reputation without reading every individual review.4o
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Mike, Adam and another 21,516 have joined the waitlist.