Rocket built digital mortgage in the 2010s. EarlOne built AI-native mortgage for the 2020s. See how the architectures compare.
EarlOne
18 days
Average close time
Rocket Mortgage
30–45 days
Average close time
| Feature | EarlOne | Rocket Mortgage |
|---|---|---|
| AI Mortgage Assistant | EARL (Agentic) | Chatbot (Scripted) |
| Sub-9-Minute Application | ||
| Plaid-Powered Doc Discovery | ||
| VA IRRRL Specialization | Limited | |
| Licensed All 50 States | ||
| Live Rate Transparency | Partial | |
| Education-First Content Hub | ||
| No Aggressive Sales Calls | ||
| Automated Savings Calculator | Basic | |
| Real-Time Rate Alerts | ||
| AI-Native Architecture | ||
| Multi-Product Platform |
EarlOne
Ground-up AI-native stack: LangGraph state machines, Gemini 2.5 Pro agentic orchestration, Plaid-powered document discovery, automated underwriting intelligence. Built in 2024–2026 with no legacy constraints.
Rocket Mortgage
"Rocket Logic" platform built in the 2010s with AI layers added incrementally. Strong digital application but monolithic architecture limits speed of innovation. $10,000+ customer acquisition cost per funded loan.
EARL uses goal-oriented AI with real tool access — it can look up rates, calculate savings, and process documents. Rocket's chatbot follows decision trees.
No legacy architecture to work around. Our pipeline targets sub-9-minute applications and 14-day closings because we designed for speed from day one.
Rocket spends billions on Super Bowl ads. We invest in MortgageCenter content that educates borrowers, resulting in 5-10x lower acquisition costs.
Rocket is known for aggressive follow-up calls after application. EarlOne puts you in control — get your rate, compare options, decide on your timeline.
Get your personalized rate in 60 seconds. No credit pull, no commitment, no aggressive sales calls.