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Category	Rocket Mortgage	Better.com
Overall Rating	4.5/5.0	4/5.0
Best For	Digital-first borrowers and FHA loans	Tech-savvy borrowers seeking low fees
Min Credit Score	580	620
Min Down Payment	3%	3%
Customer Service	4.5/5.0	3.5/5.0
Loan Types	ConventionalFHAVAJumboUSDARefinance	ConventionalFHAVAJumboRefinance
Top Pros	Largest FHA lender by volume Fully digital application process Daily rate updates shown on website	No origination fees Below average closing costs ($6,411 average in 2024) Rates often trend below national average
Main Cons	No in-person service Must submit contact info to see personalized rates No HELOC products offered	No USDA loans No in-person branches Must apply for pre-approval to see rates

Rocket Mortgage

4.5/5.0

Best For

Digital-first borrowers and FHA loans

Min Credit

580

Min Down

Top Pros

Largest FHA lender by volume
Fully digital application process
Daily rate updates shown on website

Better.com

4/5.0

Best For

Tech-savvy borrowers seeking low fees

Min Credit

620

Min Down

Top Pros

No origination fees
Below average closing costs ($6,411 average in 2024)
Rates often trend below national average

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4/5