Recently, Rocket Mortgage has been making headlines with massive acquisitions. From buying Redfin Realty to acquiring Mr. Cooper, one of the country’s largest mortgage servicers, Rocket appears to be building an empire designed to control every stage of the homebuying process. On the surface, “bigger” might sound like “better.” But according to Ben Lucero of Indigo Mortgage in New Mexico, that’s not always true—and it could actually harm consumers.

What Rocket’s “Bigger” Strategy Means for Borrowers

From our perspective, Rocket’s expansion isn’t just about offering more services. It’s about capturing every piece of the real estate transaction:

• The real estate agent through Redfin Realty
• The mortgage loan through Rocket Mortgage
• The loan servicing and payments through Mr. Cooper

In other words, once a home buyer steps into Rocket’s system, Rocket controls nearly every aspect of the process—from choosing the realtor to the interest on mortgage rates to collecting payments for years after closing.

As Ben Lucero explains, “This cannot possibly be good for consumers. Rocket’s goal is to maximize profits at every stage, not necessarily to give borrowers the best deal or the most personal service.”

Why Bigger Isn’t Always Better

When one company dominates the process, borrowers lose the freedom of choice. Instead of shopping around for better rates, lower fees, or an agent who truly understands your needs, you’re locked into Rocket’s system. That system looks like it’s designed to make Rocket money—not to protect your best interests.

Contrast that with working locally:

• Independent realtors in New Mexico are not beholden to corporate giants. They’re free to advocate for you, not for Rocket’s bottom line.
• Local mortgage brokers like Indigo Mortgage can shop around multiple lenders to find better rates and lower fees.
• Choosing local keeps money in the community, supporting neighbors and small businesses rather than fueling a national corporation.

The Local Advantage with Indigo Mortgage

At Indigo Mortgage, Ben Lucero has built a reputation across New Mexico as a trusted, transparent mortgage broker. Unlike large national lenders, Indigo Mortgage doesn’t funnel borrowers into a one-size-fits-all system. Instead, they provide personalized guidance, educate first-time buyers, and explore multiple lending options to find the best deal for each client.

As Ben puts it, “When you work with a local mortgage broker, you’re not funding a giant machine—you’re choosing someone who lives here, works here, and has your best interests at heart.”

Stay Local. Stay Informed. Stay in Control.

The idea that “bigger is better” doesn’t hold up when it comes to your mortgage. If you’re buying a home in Albuquerque, Rio Rancho, Santa Fe, or anywhere in New Mexico, don’t hand over control of the biggest financial decision of your life to a corporate giant. Instead, trust a local expert like Ben Lucero and the team at Indigo Mortgage.