Independent profile. Not owned, sponsored or endorsed by Rocket Mortgage.

Rocket Mortgage Reviews, Complaints & Contacts

Rocket Mortgage, LLC (formerly Quicken Loans) is a Detroit mortgage lender and loan servicer owned by Rocket Companies, Inc. (NYSE: RKT). Since Rocket Companies acquired Mr. Cooper on October 1, 2025, it also services the loans Mr. Cooper used to service. Matters involving the company include a pending Justice Department fair-housing suit, a CFPB case against its Rocket Homes affiliate that the agency dropped, and a pending steering class action. CFPB, BBB and Trustpilot figures are shown.

REVIEWS & COMPLAINTS302on USAComplaints · none in 2023-2026 · latest 2013
WEBSITErocketmortgage.com
HEADQUARTERSDetroit, MI
PROFILE CHECKED
Submit a Complaint Read reviews & complaints ↓ Official website ↗

Contacts

PhoneAddress

Customer service & general contact

Account & login

  • Existing clients, 800-4-ROCKET: sign-in, in-process or closed loan help(800) 476-2538

Official website

Fax & written correspondence

  • Fax for written servicing requests: notice of error, information request, QWR(972) 315-8637

Privacy requests

Previously listed (not confirmed current)

VERIFIED

Locations

  • Headquarters1050 Woodward Ave., Detroit, MI 48226-1906
  • Mailing addressP.O. Box 619098, Dallas, TX 75261-9741
EDITORIAL

Is Rocket Mortgage Legitimate?

BBB, CFPB and ComplaintsBoard figures

Legal name
Rocket Mortgage, LLC
Founded
1985
Business type
Residential mortgage lender and loan servicer (formerly Quicken Loans), a subsidiary of Rocket Companies, Inc. (NYSE: RKT); since October 2025 also the servicer of loans previously serviced by Mr. Cooper
Website
rocketmortgage.comSource: Rocket Mortgage website, checked
Headquarters
Detroit, MISource: rocketmortgage.com, checked
Owned by
Rocket Companies, Inc.Source: Rocket Companies About page, checked
Subsidiary of
Rocket Limited PartnershipSource: rocketmortgage.com, checked

Rocket Mortgage, LLC is a state-licensed mortgage lender and servicer, NMLS #3030, based in Detroit. Its parent, Rocket Companies, Inc., trades on the New York Stock Exchange as RKT and files annual and quarterly reports with the SEC. BBB lists the Detroit headquarters as BBB Accredited, with an A+ rating.

The company is defending a pending Justice Department fair-housing suit and a private steering class action, and it has settled federal and state claims in the past without admitting liability. The details are under government actions and lawsuits on this page.

Before sending money or documents, a borrower can confirm they are dealing with Rocket by using the phone numbers on rocketmortgage.com or the number on their mortgage statement, and can check the NMLS number at nmlsconsumeraccess.org.

EXTERNAL SOURCE

Independent Sources

BBB
2,587 reviews · 2,861 complaints · BBB business grade A+ · average customer rating 2.4 / 5
Figures checked
CFPB
9,720 complaints
Figures checked
ComplaintsBoard
13 reviews · 32 reports · average customer rating 2.3 / 5
Figures checked
Trustpilot
42,517 reviews · TrustScore 4.4 / 5
Figures checked
EDITORIAL

Complaint Themes

Mentions an upfront deposit, good-faith fee or appraisal feeMentions an appraisal valued lower than expected or disputedMentions rate, terms or fees changing after applicationMentions a loan denied, delayed or not closed after approval was indicatedMentions high-pressure sales or repeated contact

Themes, not a count of complaints.

CONSUMER ALLEGATION

Reviews & Complaints on USAComplaints

302 complaints linked to the Rocket Mortgage profile are published on this site (2003-2013). None are from 2023-2026.

Show 15 more complaints on this page
EDITORIAL

Complaint record: posts on this site, CFPB database, BBB, Trustpilot and ComplaintsBoard

Posts on this site. The reports are dated 2003-2013. None are from 2023-2026. They date from 2003 to 2013 and were written about Quicken Loans, the company's former name, so they describe loan applications and sales calls from that period, not the current servicing business or loans that came over from Mr. Cooper. The posts most often describe upfront deposits, good-faith and appraisal fees; appraisals that came in lower than expected or were disputed. They also describe loans denied, delayed or not closed after the borrower was told they were approved. They also describe rates, terms or fees that changed after the application. They also describe high-pressure sales or repeated calls.

CFPB Consumer Complaint Database. The database lists 9,720 complaints naming Rocket Mortgage, LLC, received from December 2011 onward, 4,002 of them in the last 12 months. By product, 8,311 are about a mortgage, 1,182 about credit reporting and 140 about debt collection. The most frequent issues are trouble during the payment process (3,064), applying for a mortgage or refinancing (1,670), struggling to pay the mortgage (1,225) and closing on a mortgage (785). The company closed 9,261 complaints with an explanation, 245 with monetary relief and 34 with non-monetary relief; 143 were in progress, and 41 responses are marked as not timely. The CFPB does not verify the facts in each complaint. Complaints about Mr. Cooper are listed separately under Mr. Cooper Group Inc. (15,430) and are not part of the Rocket Mortgage count.

BBB. BBB's profile for the Detroit headquarters shows an A+ rating and BBB Accredited status since February 20, 1986, 2,861 complaints in the last 3 years, 843 of them in the last 12 months. The profile also shows an average customer review of 2.4 out of 5 from 2,587 reviews.

Trustpilot. Trustpilot shows 4.4 out of 5 from 42,517 reviews, 3,727 of them in the last 12 months. The company has claimed the profile, pays for a Trustpilot subscription and invites its customers to leave reviews, and Trustpilot says it replied to 99 percent of negative reviews.

ComplaintsBoard. ComplaintsBoard shows a 2.3-star rating from 13 reviews and 32 complaints posted by its users.

Had an experience with Rocket Mortgage? Tell other people what happened.

Submit a Complaint
EDITORIAL

Rocket Mortgage servicing problems and disputes: the company's own channels and outside complaint routes

If your loan was with Mr. Cooper. Mr. Cooper is now part of Rocket Mortgage, and mrcooper.com and the Mr. Cooper app have been retired. Mr. Cooper's site says Rocket Mortgage now services these loans, that the loan number, loan terms and payment details stayed the same, and that borrowers should sign in to or create a Rocket account to manage the loan. The 1098 mortgage-interest form is in the Rocket account. A loan paid off before February 2026 may not be available online, and Rocket asks those borrowers to call client support at (800) 4-ROCKET.

Phone and chat. Rocket's Talk to Us page lists:

  • Existing clients, for sign-in problems or a loan in process or closed: (800) 4-ROCKET, that is (800) 476-2538, Mon-Fri 8:30 AM-9 PM ET, Sat 9 AM-4 PM ET.
  • New loan questions: (888) 452-8179, Mon-Fri 7 AM-midnight ET, Sat 9 AM-8 PM ET, Sun 9 AM-7 PM ET.
  • Chat for existing clients after signing in to the Rocket account: Mon-Fri 8 AM-midnight ET, Sat 8 AM-9 PM ET, Sun 9 AM-8 PM ET.

To make a payment, sign in to the Rocket account. Written disputes go to a separate address.

The CFPB notes that a letter can give a borrower more protections than a phone call, so if a call does not fix the problem, put it in writing.

Written disputes. A Qualified Written Request, Information Request or Notice of Error must go to the address Rocket designates for them, which is not the payment address: Rocket Mortgage, LLC, P.O. Box 619098, Dallas, TX 75261-9741, or fax (972) 315-8637. Rocket asks borrowers to include the account number and the specific concern or question. The CFPB advises giving the name on the mortgage, the property address and the loan number, saying exactly what error occurred or what information is requested. It also advises not writing the letter on a payment coupon or other payment form, which may not get the same protections.

Keep proof of mailing or the fax confirmation. The servicer must confirm receipt within five business days and answer within 30 business days; it may take another 15 business days if it tells the borrower in writing, and it may not charge a fee for responding. Keep making scheduled payments while waiting for the answer. If a foreclosure sale has been scheduled and the error concerns the foreclosure itself, send the notice well before the sale. A servicer does not have to follow the investigation and response rules for such a notice it receives seven or fewer days before the sale.

When servicing moves to a new company. Under CFPB rules, for 60 days after servicing transfers the new servicer cannot charge a late fee or treat a payment as late if it was sent on time to the previous servicer. Update any bank bill-pay or automatic payment to the new payee, and check each statement to confirm payments were credited. If a transfer notice never arrived or payments were not applied correctly, the CFPB suggests sending an information request or notice of error to both the old and the new servicer. For escrow questions, the servicer must send an annual escrow statement within 30 days after the end of the escrow computation year; a shortage, surplus or payment change should be explained there.

Applying for a loan. A lender must send a Loan Estimate within three business days after receiving six pieces of information: name, income, Social Security number, property address, estimated property value and loan amount. The lender only has to honor the estimate's terms for 10 business days, so a borrower who wants to go ahead should say so within that window; an application or appraisal fee is charged only after that. In a September 28, 2026 announcement Rocket Mortgage said that from the fourth quarter of 2026 it will use VantageScore 4.0 as its preferred credit score on eligible loans, including loans sold to Fannie Mae and Freddie Mac and VA loans.

If you cannot make a payment. Rocket's Mortgage Assistance page offers loan modifications and, for temporary hardship, repayment plans in which the borrower pays more than the regular monthly payment for a period, no longer than 6 months, until the loan is current. Call (866) 316-2432 and have billing statements for all debts, recent pay stubs and income tax returns ready. Rocket also points borrowers to HUD-approved housing counseling agencies, which help homeowners facing hardship; HUD's line for finding one is (800) 569-4287, and agencies are also listed at hud.gov. Rocket warns about companies that claim they can guarantee to save a home and points to the FTC's consumer advice at consumer.ftc.gov.

Marketing calls, texts and email. Rocket's opt-out form at rocketmortgage.com/opt-out lets a person choose which kinds of marketing to stop. Enter the name, phone and email exactly as Rocket has them: the page warns that if the details do not match its records, promotional messages may continue.

Where to escalate.

  • CFPB: consumerfinance.gov/complaint or (855) 411-2372. The CFPB sends the complaint to the company, and most companies respond within 15 days.
  • Your state's mortgage regulator, which licenses Rocket Mortgage; Rocket's Disclosures and Licenses page lists each state's agency. Texas borrowers, for example, can file with the Texas Department of Savings and Mortgage Lending at sml.texas.gov or (877) 276-5550, and Minnesota borrowers with the Minnesota Department of Commerce at (651) 539-1600.
  • Your state attorney general's consumer protection office.
  • Suspected housing discrimination: the Justice Department at (833) 591-0291 or [email protected], or HUD at (800) 669-9777.
  • BBB, through the Rocket Mortgage headquarters profile in Detroit.
EDITORIAL

Government actions: Justice Department suit pending, CFPB case dismissed, 2021 state settlement, 2019 FHA settlement

Allegations in a complaint are not findings, and a ruling on a motion to dismiss is not a decision on the merits.

More on regulatorsShow less

Justice Department fair-housing suit, pending. On October 21, 2024 the Justice Department sued Rocket Mortgage, LLC, appraisal management company Solidifi US Inc., Maverick Appraisal Group Inc. and appraiser Maksym Mykhailyna in federal court in Colorado, case 1:24-cv-02915. The government alleges that the appraiser valued a Black homeowner's Denver home more than $200,000 below an appraisal done less than a year earlier because of race, and that Rocket Mortgage retaliated by cancelling her refinance application after she reported the discrimination.

HUD had investigated her complaint, found reasonable cause and referred the matter to the Justice Department; the homeowner joined the case with her own complaint. Rocket has publicly called the suit a massive overreach. It says federal law requires lenders to stay at arm's length from the independent, state-licensed appraisers who value a home. Its president has said that staff twice encouraged the homeowner to use Rocket's reconsideration-of-value process for challenging an appraisal and that she declined both times.

On September 12, 2025 the court denied Rocket Mortgage's and Solidifi's motions to dismiss, and both answered on October 10, 2025. In July 2026 the parties jointly asked for a settlement conference; on August 14, 2026 the magistrate judge granted the request and stayed the case pending further order, and a later minute order set the settlement conference for January 22, 2027. No settlement or judgment has been entered.

Rocket Mortgage's suit against HUD, dismissed. On December 4, 2024 Rocket Mortgage sued HUD in the same court, case 1:24-cv-03368, arguing that HUD's reading of the Fair Housing Act left lenders caught between it and federal appraisal-independence rules, which limit a lender's contact with appraisers. On March 16, 2026 the court granted HUD's motion to dismiss, holding that the claims were moot because HUD had rescinded the policy Rocket challenged, and adding that it would also dismiss them as not ripe; final judgment for HUD was entered the same day. The court did not rule on whether Rocket Mortgage violated the Fair Housing Act.

CFPB lawsuit over Rocket Homes referrals, dismissed by the CFPB. On December 23, 2024 the CFPB sued Rocket Homes Real Estate LLC, JMG Holding Partners LLC (The Jason Mitchell Group), 45 of its brokerage affiliates and Jason Mitchell in federal court in Michigan, case 2:24-cv-13442, alleging violations of the Real Estate Settlement Procedures Act. On February 27, 2025 the CFPB voluntarily dismissed the case against all defendants with prejudice, and the court dismissed it the next day. The CFPB gave no reason, and no court ruled on the allegations. A private class action filed in January 2026 makes related steering allegations; see the lawsuits section.

Multistate advertising settlement, 2021. On September 23, 2021 the Washington Department of Financial Institutions announced that it and regulators from 11 other states had settled with Rocket Mortgage, LLC, formerly Quicken Loans, LLC, after an investigation of its advertising. The company paid a $500,000 penalty to the participating states and agreed to clearer disclosure of discount points and their cost in rate ads, revised telemarketing scripts and an end to certain adjustable-rate advertising the states considered misleading. It consented without admitting or denying any charges of noncompliance with federal or state advertising laws. Washington had also entered a consent order with the company over advertising in 2016.

FHA False Claims Act settlement, 2019. On June 3, 2019 Quicken Loans agreed to pay the federal government $32.5 million to resolve claims over FHA-insured loans it originated and underwrote between September 1, 2007 and December 31, 2011. According to the HUD Inspector General, the settlement was neither an admission of liability by Quicken nor a concession by the United States that its claims lacked merit.

Mr. Cooper order, 2020, before Rocket bought it. On December 7, 2020 the CFPB filed a complaint and proposed stipulated judgment against Nationstar Mortgage, LLC, which did business as Mr. Cooper, over its servicing; the court entered the order on December 8, 2020. It required about $73 million in redress to more than 40,000 borrowers and a $1.5 million civil penalty, and attorneys general from all 50 states and the District of Columbia settled with the company at the same time. Rocket Companies acquired Mr. Cooper on October 1, 2025, and Nationstar was merged into Rocket Mortgage, LLC in 2026.

EDITORIAL

Lawsuits and rulings: steering class action, Alig appraisal case, Dahdah arbitration ruling, Mr. Cooper data case

Court records

Allegations in a complaint are the plaintiffs' claims, not findings by a court.

More on the lawsuitsShow less

Waller et al. v. Rocket Companies, Inc. et al., E.D. Mich. 2:26-cv-10270, pending. Filed January 26, 2026 by three homebuyers against Rocket Companies, Rocket Mortgage, LLC, Amrock Holdings, LLC and Rocket Homes Real Estate LLC. The complaint alleges that buyers referred through Rocket's real estate business were steered to Rocket's own mortgage and title services. It pleads a RESPA count and an unjust-enrichment count for a proposed nationwide class of people who bought a home from January 1, 2019 and financed it with Rocket Mortgage or Quicken Loans. The defendants moved to dismiss and to strike parts of the complaint; the motion was fully briefed by May 18, 2026. The court has not ruled on it and no class has been certified.

Alig v. Rocket Mortgage, LLC, 4th Cir. 22-2289, decided. A West Virginia class action over refinance appraisals from the Quicken Loans era, in which a class of 2,769 loans had been awarded more than $10.6 million. On January 23, 2025 the Fourth Circuit reversed the class certification and the class damages under the Supreme Court's TransUnion v. Ramirez decision and limited the case to the individual named plaintiffs. The court affirmed the named plaintiffs' judgment on their statutory and conspiracy claims, and sent their contract claim back to the trial court. One judge dissented. The Supreme Court denied review on June 30, 2025.

Dahdah v. Rocket Mortgage, LLC, 6th Cir. 24-1910, decided. The plaintiff alleged unwanted telemarketing calls after he used LowerMyBills.com. On January 26, 2026 the Sixth Circuit held that his clicks on the site's button formed an agreement to arbitrate and that the trial court should have sent the dispute to arbitration. The ruling decides where the dispute is heard, not whether the calls broke the law.

Cabezas v. Mr. Cooper Group Inc., N.D. Tex. 3:23-cv-02453, pending. Filed November 3, 2023 after the cybersecurity incident Mr. Cooper disclosed, which began on October 31, 2023; later cases were consolidated into it. The defendants are Mr. Cooper Group and Nationstar Mortgage; Rocket Companies acquired Mr. Cooper after the case was filed. In October 2026 the court extended the class-certification schedule at the parties' joint request; no class has been certified and no settlement has been approved.

Business dispute, not a consumer case. In a long-running Texas state-court dispute over appraisal software between Rocket's title and appraisal subsidiary Rocket Close, formerly Amrock, and HouseCanary, a jury returned a $175 million verdict for HouseCanary on March 6, 2026. Rocket Companies reported that judgment had not been entered and said it would continue to defend the case.

The Justice Department, HUD and CFPB matters are described under government actions.

PUBLIC RECORD

Court & Public Records

United States v. Rocket Mortgage, LLC, Solidifi US Inc., Maverick Appraisal Group Inc. and Maksym Mykhailyna (Fair Housing Act; appraisal of a Denver home)

Filed

U.S. District Court, D. ColoradoFiled Checked Docket 1:24-cv-02915Source ↗

Filed — no final outcome recorded

No settlement or judgment has been entered.

Case details: United States v. Rocket Mortgage, LLC, Solidifi US Inc., Maverick Appraisal Group Inc. and Maksym Mykhailyna (Fair Housing Act; appraisal of a Denver home)Show less

Justice Department complaint alleging race discrimination in a 2021 refinance appraisal of a Denver home and retaliation by Rocket Mortgage, which cancelled the refinance application after the homeowner reported the discrimination; the homeowner intervened with her own complaint. These are allegations. The court denied the motions to dismiss on September 12, 2025, and Rocket Mortgage and Solidifi answered on October 10, 2025. On the parties' joint request of July 31, 2026, the magistrate judge on August 14, 2026 stayed the case pending further order so the parties could attend a settlement conference, which a minute order of October 5, 2026 set for January 22, 2027.

Rocket Mortgage, LLC v. U.S. Department of Housing and Urban Development (suit filed by the company challenging HUD's Fair Housing Act approach to appraisals)

Dismissed

U.S. District Court, D. ColoradoFiled Decided Docket 1:24-cv-03368Source ↗

Dismissed

The court did not decide whether Rocket Mortgage violated the Fair Housing Act.

Case details: Rocket Mortgage, LLC v. U.S. Department of Housing and Urban Development (suit filed by the company challenging HUD's Fair Housing Act approach to appraisals)Show less

Lawsuit filed by Rocket Mortgage arguing that HUD's reading of the Fair Housing Act put lenders in conflict with federal appraisal-independence rules, which bar a lender from influencing an independent appraiser's valuation. On March 16, 2026 the court granted HUD's motion to dismiss: it held that Rocket's claims were moot because HUD had rescinded the policy Rocket challenged, and said it would also dismiss on prudential ripeness grounds. Final judgment for HUD was entered the same day, and no appeal appears on the docket.

Consumer Financial Protection Bureau v. JMG Holding Partners LLC d/b/a The Jason Mitchell Group, Rocket Homes Real Estate LLC and others (RESPA)

Dismissed

U.S. District Court, E.D. MichiganFiled Decided Docket 2:24-cv-13442Source ↗

Dismissed

CFPB lawsuit alleging violations of the Real Estate Settlement Procedures Act by Rocket Homes, The Jason Mitchell Group, 45 of its brokerage affiliates and Jason Mitchell. The CFPB voluntarily dismissed the case against all defendants with prejudice on February 27, 2025, and the court dismissed it with prejudice on February 28, 2025. The CFPB gave no reason. No court ruled on the allegations.

Waller et al. v. Rocket Companies, Inc., Rocket Mortgage, LLC, Amrock Holdings, LLC and Rocket Homes Real Estate LLC (proposed nationwide RESPA class action)

Filed

U.S. District Court, E.D. MichiganFiled Checked Docket 2:26-cv-10270Source ↗

Filed — no final outcome recorded

Proposed class action with a RESPA count and an unjust-enrichment count, alleging that homebuyers were steered to Rocket's own lending and title businesses. These are allegations. The defendants moved to dismiss and to strike parts of the complaint, arguing among other things that the plaintiffs show no injury and that some claims are time-barred; the motion was fully briefed by May 18, 2026. The court has not ruled on it, and no class has been certified.

Alig et al. v. Rocket Mortgage, LLC (f/k/a Quicken Loans Inc.) and Amrock, LLC (West Virginia appraisal class action)

Appeal decided

U.S. Court of Appeals, 4th Circuit, on appeal from N.D. W. Va. case 5:12-cv-00114Decided Docket 22-2289Source ↗

Appeal decided

On January 23, 2025 the Fourth Circuit affirmed in part, vacated in part, reversed in part and remanded. It reversed the class certification and class damages (a class of 2,769 loans had been awarded more than $10.6 million) under TransUnion v. Ramirez and directed that the action proceed only as to the individual named plaintiffs, affirmed the named plaintiffs' statutory and conspiracy judgment, and remanded their contract claim. One judge dissented. The Supreme Court denied the plaintiffs' petition for certiorari, docket 24-1218, in its June 30, 2025 order list.

Dahdah v. Rocket Mortgage, LLC (Telephone Consumer Protection Act, Do Not Call; arbitration appeal)

Appeal decided

U.S. Court of Appeals, 6th Circuit, on appeal from E.D. Mich. case 4:22-cv-11863Filed Decided Docket 24-1910Source ↗

Appeal decided

The Sixth Circuit reversed the district court's denial of Rocket Mortgage's motion to compel arbitration, holding that the plaintiff's clicks on a LowerMyBills.com button formed an agreement to arbitrate under California law. The ruling decides where the dispute is heard, not whether the calls violated the Telephone Consumer Protection Act.

Cabezas v. Mr. Cooper Group Inc. and Nationstar Mortgage LLC (data-security class action, consolidated; defendants are the Mr. Cooper entities)

Filed

U.S. District Court, N.D. TexasFiled Checked Docket 3:23-cv-02453Source ↗

Filed — no final outcome recorded

Proposed class action over the cybersecurity incident Mr. Cooper disclosed, which began on October 31, 2023; later cases were consolidated into it. The defendants are Mr. Cooper Group Inc. and Nationstar Mortgage LLC; Rocket Companies acquired Mr. Cooper Group on October 1, 2025, after the case was filed. In October 2026 the court granted the parties' joint request to extend the class-certification schedule. No class has been certified and no settlement has been approved.

EDITORIAL

Company background

Who the lender is. Loans are made and serviced by Rocket Mortgage, LLC, 1050 Woodward Ave., Detroit, MI 48226, NMLS #3030. The company says it is licensed in all 50 states, and its Disclosures and Licenses page lists the state license for each state, for example Arizona mortgage banker license BK-0902939, Illinois residential mortgage license MB.0004127 and Maryland mortgage lender license 5357. A borrower can look up the NMLS number at nmlsconsumeraccess.org to see the company's state licenses and any public regulatory actions.

Ownership. Rocket Mortgage, LLC is an operating subsidiary of Rocket Limited Partnership, which is wholly owned by Rocket Companies, Inc., a public company listed on the New York Stock Exchange as RKT. Sister companies under the same parent include Rocket Close (title, closing and appraisal management, formerly Amrock), Rocket Homes (real estate agent referrals), Rocket Loans (personal loans), Rocket Money and Redfin.

More company historyShow less

History and names. Rocket Companies says the business now known as Rocket Mortgage was founded by Dan Gilbert in 1985. For most of its history it operated as Quicken Loans, and regulators and courts now refer to Rocket Mortgage, LLC as formerly Quicken Loans. Rocket's New York disclosure states that the Quicken Loans trade name is not authorized for mortgage origination in that state.

Mr. Cooper and Redfin. Rocket Companies completed its purchase of Redfin on July 1, 2025 and of Mr. Cooper Group on October 1, 2025. Nationstar Mortgage, the company that did business as Mr. Cooper, was merged into Rocket Mortgage, LLC in the first quarter of 2026, which is why former Mr. Cooper borrowers now deal with Rocket Mortgage. BBB lists Mr. Cooper as an alternate name of Rocket Mortgage.

Size. Rocket's website calls the company America's largest lender. It both makes loans and services them, and the most common issue in CFPB complaints naming the company is trouble during the payment process, a servicing problem rather than a loan-application one.

VERIFIED

Company Relationships

  • Owned byRocket Companies, Inc.
  • Subsidiary ofRocket Limited Partnership
  • Formerly known asQuicken Loans, LLC
  • Affiliated withMr. Cooper Group Inc.
  • Affiliated withRedfin Corporation
  • Affiliated withRocket Close, LLC
  • Affiliated withRocket Homes Real Estate LLC
EDITORIAL

Frequently Asked Questions

Who services my loan if it was serviced by Mr. Cooper?

Rocket Mortgage services it now. Rocket Companies bought Mr. Cooper on October 1, 2025 and merged Nationstar Mortgage, the company behind Mr. Cooper, into Rocket Mortgage, LLC in early 2026. Mr. Cooper's website says the loan number, loan terms and payment details stayed the same, that mrcooper.com and the app were retired, and that borrowers should sign in to or create a Rocket account; the 1098 tax form is there too. If the loan was paid off before February 2026 and is not visible online, call (800) 4-ROCKET.

How do I sign in to my Rocket Mortgage account and make a payment?

Existing clients, including former Mr. Cooper borrowers, sign in to their Rocket account from rocketmortgage.com to see the loan and make a payment; mrcooper.com and the Mr. Cooper app no longer manage these loans. Rocket's payment guide lists paying online, once or by automatic withdrawal, paying by phone, which it says may carry a small fee depending on the lender, and paying by mail, which it says can take longer to post. If sign-in does not work, call (800) 4-ROCKET, (800) 476-2538, Monday to Friday 8:30 AM-9 PM ET and Saturday 9 AM-4 PM ET. A notice of error does not go to a payment address; see the written disputes section.

How do I get a payoff amount from Rocket Mortgage?

Rocket's guide says a payoff quote can be requested by phone with your Rocket Mortgage loan number, Social Security number and phone number, and that it is available for review within an hour. The quote gives the amount needed to pay off the loan by the date it lists, so ask for a new one if that date passes. After the loan is paid in full the escrow account closes and any excess funds are sent as an escrow refund. Client support for existing loans is at (800) 4-ROCKET.

Does Rocket Mortgage offer home equity loans or a HELOC?

Rocket Mortgage's own pages say it offers home equity loans but does not currently offer HELOCs. It states a minimum credit score of 680 for the home equity loan. Complaints about a home equity loan go to the CFPB or the state regulator listed under escalation.

How do I send Rocket Mortgage a notice of error or request for information about my loan?

Send it in writing to Rocket Mortgage, LLC, P.O. Box 619098, Dallas, TX 75261-9741, or fax it to (972) 315-8637. This is the address Rocket designates for Qualified Written Requests, Information Requests and Notices of Error; do not send it with a payment or write it on a payment coupon. Include your name as it appears on the mortgage, the property address, the loan number and exactly what is wrong or what you want to know, and keep proof of sending. The servicer must confirm receipt within five business days and answer within 30 business days, with a possible 15-business-day extension it must tell you about, and it may not charge for responding. Keep paying as scheduled while you wait.

What phone numbers does Rocket Mortgage publish?

Existing clients, including former Mr. Cooper borrowers, call (800) 4-ROCKET, that is (800) 476-2538, Monday to Friday 8:30 AM-9 PM ET and Saturday 9 AM-4 PM ET. New loan questions go to (888) 452-8179. Loan modifications and repayment plans are handled at (866) 316-2432. BBB lists (800) 226-6308 for the headquarters, a number that does not appear on Rocket's own contact pages. To avoid impostors, use a number from rocketmortgage.com or your mortgage statement.

What help does Rocket Mortgage say it offers if I cannot make my payment?

Rocket Mortgage's Mortgage Assistance page offers loan modifications and, for temporary hardship, repayment plans that last no longer than 6 months. Call (866) 316-2432 and have billing statements for all debts, recent pay stubs and income tax returns ready. A HUD-approved housing counseling agency can also help; HUD's line for finding one is (800) 569-4287. Be wary of any company that promises it can guarantee to save your home.

Where can I file a complaint about Rocket Mortgage outside the company?

For a Rocket Mortgage complaint, start with the CFPB at consumerfinance.gov/complaint or (855) 411-2372; it sends the complaint to Rocket, and most companies respond within 15 days. You can also complain to the mortgage regulator in your state, which licenses Rocket Mortgage and is listed on Rocket's Disclosures and Licenses page (in Texas, the Department of Savings and Mortgage Lending at (877) 276-5550), to your state attorney general, and to BBB. Suspected housing discrimination can be reported to the Justice Department at (833) 591-0291 or [email protected], or to HUD at (800) 669-9777.

What is the Justice Department's lawsuit against Rocket Mortgage about?

The Justice Department sued Rocket Mortgage on October 21, 2024 in federal court in Colorado, case 1:24-cv-02915, alleging that a Black homeowner's Denver home was undervalued in a 2021 refinance appraisal because of her race. The suit also alleged that Rocket Mortgage cancelled her refinance application after she reported it. Rocket has publicly called the suit a massive overreach, says lenders must stay at arm's length from independent appraisers, and says the homeowner twice declined its process for challenging the appraisal. The court denied Rocket's and the appraisal company's motions to dismiss on September 12, 2025. In 2026 the parties asked for a settlement conference, the case was stayed, and the conference is set for January 22, 2027. No settlement or judgment has been entered.

What happened to the CFPB's lawsuit involving Rocket Homes?

The CFPB dropped its case against Rocket Mortgage. The agency sued on December 23, 2024, alleging that Rocket Homes Real Estate LLC, The Jason Mitchell Group, its affiliates and Jason Mitchell violated the Real Estate Settlement Procedures Act. On February 27, 2025 the CFPB voluntarily dismissed the case against all defendants with prejudice, meaning it cannot be refiled, and the court closed it the next day. The CFPB gave no reason and no court ruled on the allegations.

How many CFPB complaints name Rocket Mortgage?

The CFPB Consumer Complaint Database lists 9,720 complaints naming Rocket Mortgage, LLC since December 2011, 4,002 of them received in the last 12 months; 8,311 are about a mortgage, and the most common issue is trouble during the payment process. Complaints about Mr. Cooper are counted separately under Mr. Cooper Group Inc. The CFPB does not verify the facts in each complaint.

Is Quicken Loans the same company as Rocket Mortgage?

Quicken Loans is the former name of the same lender. Washington's financial regulator refers to Rocket Mortgage, LLC as formerly known as Quicken Loans, LLC, and the Fourth Circuit's January 2025 opinion describes Quicken Loans, Inc. as now Rocket Mortgage, LLC. The older posts on USAComplaints, dated 2003 to 2013, were written about Quicken Loans.

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