# PTOFCU vs Newrez

The clearest difference is rating: Newrez at 4.8 against PTOFCU's 3.0. Newrez also leads on ratings volume (40K vs 2) and update cadence (monthly vs every 5 months). On price, ads, in-app purchases and monetization model there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

Newrez holds the better App Store score, 4.8 against 3.0. That said, the two scores are not equally well evidenced: Newrez has 40K ratings behind it against 2, so its average is the more settled of the two.

PTOFCU ships an update every 5 months, Newrez monthly. The most recent releases landed on October 24, 2026 and October 28, 2026 respectively.

## The numbers

| Metric | PTOFCU | Newrez |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.0 (2 ratings)](https://appshunter.io/ios/app/ptofcu/id1030944930/reviews) | **[4.8 (40K ratings)](https://appshunter.io/ios/app/newrez/id1435999022/reviews)** |
| Number of ratings | 2 | **40K** |
| Positive reviews | — | 25.7% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 5 months | **Monthly** |
| Monetization | Free | Free |
| Size | 31 MB | 73 MB |
| Requires iOS | **14.0** | 15.0 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [PTO FCU](https://appshunter.io/developer/1261914646) | [Newrez LLC](https://appshunter.io/developer/1435999021) |

## What reviewers say

### PTOFCU

[App page](https://appshunter.io/ios/app/ptofcu/id1030944930)

Manage your accounts conveniently 24/7 from your mobile device. Access account summaries, transfer funds, pay bills, and deposit checks remotely. Find nearby ATMs and branches with an integrated locator.

**Highlights:** Account Summary, Fund Transfers, Bill Payment, Remote Deposit Capture, ATM/Branch Locator

**Features:** macOS Compatibility

**In-app purchases:** none


### Newrez

[App page](https://appshunter.io/ios/app/newrez/id1435999022)

Manage your mortgage loan conveniently from your mobile device. Easily view loan details, make payments, access important documents, and track your loan status securely.

**Highlights:** View loan balance and payment details, Make one-time or scheduled payments, Edit autopay settings, View escrow breakdown, Download tax documents (1098 form), Access loan statements and documents, Track loan status

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Easy to navigate
- 👍 User-friendly layout
- 🚀 Quick and effective payments

**What reviewers complain about**

- 🐛 Buggy login process
- 🔒 Lack of security features (no Face ID/Touch ID)
- 🔍 Inconsistent user experience
- 🤔 Difficult to reach customer service
- 🤔 Unreliable app functionality

**Reported bugs**

- Login credentials not saved
- Inability to find/access loan information
- Frequent app crashes and errors
- Incorrect payment processing

**Requested features**

- Add Face ID/Touch ID login option
- Improve customer service responsiveness
- Ensure consistent user experience across platforms
- Enhance security measures


## Frequently asked questions

### Is PTOFCU free?

PTOFCU is free to download, with no in-app purchases.

### Is Newrez free?

Newrez is free to download, with no in-app purchases.

### Which has better reviews, PTOFCU or Newrez?

Newrez is rated higher. PTOFCU averages 3.0 out of 5 from 2 ratings, while Newrez averages 4.8 from 40K ratings.

### Do PTOFCU or Newrez have ads?

Neither PTOFCU nor Newrez shows ads.

### Which is updated more often, PTOFCU or Newrez?

PTOFCU ships an update every 5 months, and Newrez monthly. Most recently, PTOFCU was updated on October 24, 2026 and Newrez on October 28, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*