{"id":8623,"date":"2026-10-19T08:27:09","date_gmt":"2026-10-19T13:27:09","guid":{"rendered":"https:\/\/tomo.com\/blog\/?p=8623"},"modified":"2026-10-19T08:29:00","modified_gmt":"2026-10-19T13:29:00","slug":"sofi-vs-rocket-mortgage","status":"publish","type":"post","link":"https:\/\/tomo.com\/blog\/sofi-vs-rocket-mortgage\/","title":{"rendered":"SoFi vs. Rocket Mortgage"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\"><strong>Key takeaways<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>SoFi fits buyers who want a mortgage from a national bank, with a written credit of up to $10,000 if SoFi&#8217;s own delay causes a missed closing. Rocket Mortgage fits buyers who need programs like a bridge loan or ONE+, or a home equity loan with no origination fee.<\/li>\n\n\n\n<li>SoFi publishes a standard $1,495 origination fee, with up to $1,000 in discounts for eligible members, and charges none on Texas loans or VA loans. Rocket Mortgage doesn&#8217;t publish its lender fees. Tomo Mortgage charges $0 in lender fees on purchase and refinance mortgages. On 2025 home purchase loans, the median origination charge excluding discount points was $495 at SoFi and $1,050 at Rocket Mortgage, according to <a href=\"https:\/\/ffiec.cfpb.gov\/data-browser\/\">federal HMDA data<\/a>.<\/li>\n\n\n\n<li>Both SoFi and Rocket Mortgage offer home equity loans. Rocket Mortgage charges no origination fee on its home equity loan. SoFi lets eligible borrowers skip its origination fee in exchange for a higher interest rate.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\"><strong>The bottom line:<\/strong> SoFi is worth considering if you qualify for its member discounts, want to keep your mortgage and banking with one company, or value its closing guarantee. Rocket Mortgage may be a better fit if you need a specialized loan program or want an underwriter-verified approval before making an offer. Neither is automatically cheaper: your actual Loan Estimates will determine that.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Tomo Mortgage publishes this comparison and is included as one of the lenders below. We use public lender disclosures and federal HMDA data for the comparisons shown.<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Who&#8217;s in the game<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\"><strong>SoFi<\/strong> was <a href=\"https:\/\/www.sofi.com\/our-story\/\">founded in August 2011<\/a> as Social Finance, Inc. Its mortgages come from SoFi Bank, N.A. (NMLS #696891). The bank <a href=\"https:\/\/www.sofi.com\/home-loans\/mortgage-rates\/\">issues and refinances mortgages in every state<\/a> except New York, where it makes purchase loans only. HMDA data shows it originated 6,028 first-lien mortgages worth about $2.3 billion in 2025, plus 10,161 subordinate-lien loans.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\"><strong>Rocket Mortgage<\/strong> was founded by Dan Gilbert in 1985 and is based in Detroit. It <a href=\"https:\/\/www.rocketmortgage.com\/about\">calls itself America&#8217;s largest retail mortgage lender<\/a>, based on 2025 HMDA loan counts excluding correspondent loans. HMDA shows it originated 326,174 first-lien mortgages worth about $106.6 billion that year.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\"><strong>Tomo Mortgage<\/strong> was founded in 2020 by former Zillow executives, including co-founder Greg Schwartz. It lends in 40 states and DC. HMDA data shows it originated 3,501 first-lien mortgages worth about $1.5 billion in 2025, all of them home purchase loans.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>SoFi vs. Rocket Mortgage at a glance<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><\/td><td><strong>SoFi<\/strong><\/td><td><strong>Rocket Mortgage<\/strong><\/td><td><strong>Tomo Mortgage<\/strong><\/td><\/tr><tr><td>Where it lends<\/td><td>All 50 states + DC; purchase loans only in New York<\/td><td>Made loans in all 50 states + DC in 2025 (HMDA)<\/td><td>40 states + DC<\/td><\/tr><tr><td>First-lien loans originated, 2025 (HMDA)<\/td><td>6,028 (about $2.3 billion)<\/td><td>326,174 (about $106.6 billion)<\/td><td>3,501 (about $1.5 billion)<\/td><\/tr><tr><td>Average home purchase loan, 2025<\/td><td>$400,698<\/td><td>$373,329<\/td><td>$427,331<\/td><\/tr><tr><td>Published lender fee<\/td><td>$1,495 standard origination fee; up to $1,000 in eligible member discounts; none on Texas or VA loans<\/td><td>Not published<\/td><td>$0 on purchase and refinance<\/td><\/tr><tr><td>Median origination charge excluding discount points, home purchase loans, 2025<\/td><td>$495<\/td><td>$1,050<\/td><td>$0<\/td><\/tr><tr><td>Median total loan costs, home purchase loans, 2025<\/td><td>$5,449<\/td><td>$6,859<\/td><td>$4,298<\/td><\/tr><tr><td>FHA and VA loans<\/td><td>Yes<\/td><td>Yes<\/td><td>Yes<\/td><\/tr><tr><td>Trustpilot rating<\/td><td><a href=\"https:\/\/www.trustpilot.com\/review\/sofi.com\">4.4 (14,495 reviews)<\/a>; covers all SoFi products<\/td><td><a href=\"https:\/\/www.trustpilot.com\/review\/rocketmortgage.com\">4.4 (42,371 reviews)<\/a><\/td><td><a href=\"https:\/\/www.trustpilot.com\/review\/hellotomo.com\">4.5 (311 reviews)<\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Verified October 19, 2026. HMDA figures are from 2025 FFIEC data and cover first-lien originations; the average loan and fee rows cover first-lien, closed-end home purchase loans. Each lender&#8217;s loan mix differs, so medians describe past borrower costs, not a personalized quote. Trustpilot ratings and review counts as of October 19, 2026.<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\"><strong>How we compared costs:<\/strong> The figures come from<a href=\"https:\/\/ffiec.cfpb.gov\/data-publication\/\"> 2025 federal HMDA data<\/a>. The fee comparison focuses on originated, first-lien, closed-end home purchase loans. Reported origination charges include borrower-paid lender fees and discount points, so the origination comparison excludes separately reported discount points. Total loan costs include origination charges, discount points and certain third-party fees, but not every expense due at closing. Loans without applicable reported cost data are excluded from the relevant fee calculations. These medians are descriptive, not adjusted for differences in credit profiles, loan programs, loan amounts or lender credits. A lender with lower median reported costs won&#8217;t necessarily offer you the cheapest mortgage.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/tomo.com\/mortgage\/rates\">Get a personalized rate quote<\/a><\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>How to judge mortgage lenders<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Lender fees and points<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">Think of the interest rate as the sticker price. Points and lender fees are the rest of the receipt, and both show up in Section A of your Loan Estimate. Compare all three together.<\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">SoFi publishes a<a href=\"https:\/\/www.sofi.com\/home-loans\/mortgage\/\"> standard $1,495 origination fee<\/a> on purchase and refinance mortgages, and charges none on Texas loans or VA loans. Eligible SoFi members receive $500 off that fee, with another $500 available to borrowers who meet certain SoFi Plus, direct deposit or qualifying deposit requirements. That can bring the fee down to $495. The discounts are subject to eligibility requirements and don&#8217;t apply to loans that already have no origination fee.<\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">Rocket Mortgage doesn&#8217;t publish its lender fees. Tomo Mortgage charges $0 in lender fees on purchase and refinance mortgages: no origination, processing or underwriting fees.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">HMDA shows what borrowers actually paid. On 2025 home purchase loans, the median origination charge excluding discount points was $495 at SoFi, $1,050 at Rocket Mortgage and $0 at Tomo Mortgage. Median total loan costs, which also include certain third-party charges and discount points, were $5,449, $6,859 and $4,298.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">These figures don&#8217;t include every closing expense, such as prepaid property taxes or homeowners insurance. They also reflect different borrower and loan mixes, so they shouldn&#8217;t be treated as a direct comparison of quotes for the same borrower.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">Tomo Mortgage also offers a <a href=\"https:\/\/tomo.com\/mortgage\/terms#price-match-terms\">Price Match<\/a> on conventional loans. Bring a competing Loan Estimate less than one business day old before you lock your rate. Jumbo loans and adjustable-rate mortgages are excluded, and terms apply. More on <a href=\"https:\/\/tomo.com\/blog\/no-origination-fee-savings\/\">what lender fees cost<\/a> and <a href=\"https:\/\/tomo.com\/blog\/what-are-mortgage-interest-rate-points-and-how-to-save-money-on-your-mortgage\/\">how points work<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Loan types, including home equity<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">The cheapest-looking lender only helps if it makes your kind of loan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\"><strong>SoFi<\/strong> offers:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Purchase and refinance mortgages, including cash-out refinancing<\/li>\n\n\n\n<li>Jumbo, FHA and VA loans<\/li>\n\n\n\n<li><a href=\"https:\/\/www.sofi.com\/home-loans\/home-equity-loan\/\">Home equity loans<\/a> and HELOCs, either from SoFi Bank directly or through Spring EQ<\/li>\n\n\n\n<li>An option on SoFi Bank home equity loans to skip the origination fee in exchange for a higher interest rate<br><\/li>\n<\/ul>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\"><strong>Rocket Mortgage<\/strong> offers:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>FHA, VA, jumbo, adjustable-rate, bridge, ONE+, HomeReady and Home Possible loans<\/li>\n\n\n\n<li>Cash-out and rate-and-term refinancing<\/li>\n\n\n\n<li>A <a href=\"https:\/\/www.rocketmortgage.com\/home-loans\/home-equity-loan\">home equity loan<\/a> with no origination fee, which can be funded in as little as 15 days, based on Rocket Mortgage&#8217;s June 2026 data. It runs from $45,000 to $500,000, with a 680 minimum credit score.<\/li>\n\n\n\n<li>It <a href=\"https:\/\/www.rocketmortgage.com\/home-loans\">doesn&#8217;t offer USDA loans<\/a>.<br><\/li>\n<\/ul>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\"><strong>Tomo Mortgage<\/strong> offers conventional, jumbo, FHA and VA loans plus refinancing.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Preapproval and closing<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\"><strong>SoFi<\/strong> starts its Verified Preapproval Letter with a soft credit pull to check rates. Its <a href=\"https:\/\/www.sofi.com\/home-loans\/mortgage\/\">On-Time Close Guarantee<\/a> gives a credit of up to $10,000 toward closing costs or delay expenses if your purchase doesn&#8217;t close by the contract date because of SoFi. Conditions apply.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\"><strong>Rocket Mortgage&#8217;s<\/strong> <a href=\"https:\/\/www.rocketmortgage.com\/learn\/mortgage-preapproval\">Verified Approval<\/a> has an underwriter verify your income and assets up front, with a hard credit pull. If your eligibility doesn&#8217;t change and the loan fails to close because of a Rocket Mortgage error, Rocket Mortgage pays $1,000. Other conditions apply.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\"><strong>Tomo Mortgage<\/strong> uses a soft credit check at preapproval, and its letters are good for 120 days and can be adjusted anytime. It can close in as little as 12 to 21 days. Learn about the difference between <a href=\"https:\/\/tomo.com\/blog\/prequalification-vs-preapproval\/\">prequalification vs. preapproval<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/tomo.com\/mortgage\/app\/preapproval\">Get started<\/a><\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Should you choose SoFi or Rocket Mortgage?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\"><strong>Choose SoFi if:<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You&#8217;re buying in Texas or using a VA loan, where SoFi charges no origination fee, or you qualify for its member discounts.<\/li>\n\n\n\n<li>You want a written credit of up to $10,000 if SoFi&#8217;s delay causes a missed closing.<\/li>\n\n\n\n<li>You want a home equity loan or HELOC from the same bank as your mortgage.<br><\/li>\n<\/ul>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\"><strong>Choose Rocket Mortgage if:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You need a bridge loan, ONE+ or an adjustable-rate mortgage.<\/li>\n\n\n\n<li>You want a home equity loan with no origination fee.<\/li>\n\n\n\n<li>You want an underwriter-verified approval before you make an offer.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\"><strong>Consider Tomo Mortgage if<\/strong> you&#8217;re buying a home in one of its 40 states or DC and want zero lender fees on your purchase or refinance, a Price Match on conventional loans and a soft-check preapproval.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">Whichever lender you lean toward, get Loan Estimates from each on the same day. Then compare the interest rate, the APR, the points, the Section A fees and lender credits. Don&#8217;t assume the lender with the lowest advertised fee will have the lowest overall cost.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Tomo Mortgage publishes this comparison and is one of the lenders compared. Facts about SoFi and Rocket Mortgage come from their own websites, federal HMDA data and Trustpilot.<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Tomo Mortgage, LLC \u00b7 NMLS #<\/em><a href=\"https:\/\/www.nmlsconsumeraccess.org\/EntityDetails.aspx\/COMPANY\/2059741\"><em>2059741<\/em><\/a><em> Equal Housing Lender. SoFi and Rocket Mortgage are trademarks of their respective owners. This comparison is independent and isn&#8217;t endorsed by either company.<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Frequently asked questions<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Is SoFi or Rocket Mortgage cheaper?<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">It depends on your quote.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Published fees:<\/strong> SoFi lists a standard $1,495 origination fee, with up to $1,000 in discounts for eligible members and no origination fee on Texas or VA loans. Rocket Mortgage doesn&#8217;t publish its lender fees.<\/li>\n\n\n\n<li><strong>What borrowers paid:<\/strong> In 2025 federal HMDA data for home purchase loans, the median origination charge excluding discount points was $495 at SoFi and $1,050 at Rocket Mortgage. Median total loan costs were $5,449 and $6,859.<br><\/li>\n<\/ul>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">These medians reflect different loan and borrower mixes, not matched quotes. Comparing same-day Loan Estimates is the best way to determine which lender offers a better deal for your loan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Do SoFi and Rocket Mortgage offer home equity loans?<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">Yes.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Rocket Mortgage&#8217;s<\/strong> home equity loan has no origination fee, runs from $45,000 to $500,000 and lists a 680 minimum credit score.<\/li>\n\n\n\n<li><strong>SoFi<\/strong> offers home equity loans and HELOCs, either from SoFi Bank or through Spring EQ. Eligible borrowers can skip the origination fee on a SoFi Bank home equity loan in exchange for a higher interest rate.<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Does SoFi offer FHA and VA loans?<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">Yes. SoFi lists FHA and VA loans, and HMDA data shows SoFi Bank originated 754 FHA and 413 VA first-lien mortgages in 2025.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>What credit scores do SoFi and Rocket Mortgage list?<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Rocket Mortgage<\/strong> lists 620 for most conventional mortgages and 580 for FHA and VA loans.<\/li>\n\n\n\n<li><strong>SoFi<\/strong> doesn&#8217;t publish a minimum on its mortgage pages.<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Does SoFi guarantee an on-time closing?<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">SoFi&#8217;s On-Time Close Guarantee gives a credit of up to $10,000 toward closing costs or delay expenses if your purchase doesn&#8217;t close by the contract date because of SoFi. Conditions apply.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Where does SoFi offer mortgages?<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">SoFi Bank issues and refinances mortgages in every state except New York, where it makes purchase loans only.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Does Tomo Mortgage charge lender fees?<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">Not on purchase and refinance mortgages. Tomo Mortgage charges $0 in lender fees on home purchase and refinance loans: no origination, processing or underwriting fees.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Key takeaways The bottom line: SoFi is worth considering if you qualify for its member discounts, want to keep your mortgage and banking with one company, or value its closing guarantee. Rocket Mortgage may be a better fit if you need a specialized loan program or want an underwriter-verified approval before making an offer. Neither [&hellip;]<\/p>\n","protected":false},"author":49,"featured_media":8626,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"fifu_image_url":"","fifu_image_alt":"","_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[282,1],"tags":[],"class_list":["post-8623","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-research-analysis","category-uncategorized"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 4.9.10 - aioseo.com -->\n\t<meta name=\"description\" content=\"SoFi vs. Rocket Mortgage compared on lender fees, 2025 HMDA loan costs, home equity loans, preapproval and closing guarantees.\" \/>\n\t<meta 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