Homefinity Xpress vs PENNYMAC MOBILE
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Homefinity Xpress
Streamline your mortgage application process with real-time loan tracking and secure document scanning. Connect with loan officers and realtors easily, and explore home listings directly within the app.
- Apply for loans quickly
- Real-time loan progress tracking
- Direct contact with loan officers
- Secure document scanning
- Loan scenario calculations
- In-app home searching
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Homefinity Xpress is everything you should expect from a mortgage app. - Apply for a loan in under 10 minutes. - Easily track your loan progress with real-time push notifications. - One click call or text to loan officers and realtors. - Securely scan loan documents with your phone’s camera. - Calculate loan scenarios with full monthly payments. - Connect to home searching sites in-app.
PENNYMAC MOBILE
Manage your home loan conveniently with 24/7 access to your account. Track payments, make one-time or recurring payments, download statements, and manage escrow details. Secure login and payment reminders are also available.
- Check loan balance
- Track loan payments
- Set up automatic payments
- Download statements
- Manage escrow
- Payment reminders
- Fingerprint authentication
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**What’s new: Updated design and improved functionality based on customer feedback** Make it simple to manage your home loan, with everything you need at your fingertips. Enjoy complete convenience with 24/7 access to your account(s) and the ability to: - Check your current loan balance - Keep track of loan payments and activity at a glance - Set up automatic, recurring monthly payments or make a one-time payment - Download and view statements and documents, making it easy to go paperless - Get payment reminders - Manage escrow, tax and insurance - Get available refunds with eDisbursements - Log in securely with fingerprint authentication - Make principal reduction and escrow shortage payments - Calculate ways to adjust and save on your payments - View/pay multiple mortgages *App available in Spanish./App disponible en Español. Pennymac Publication Rules PennyMac Loan Services, LLC does not pay or otherwise provide compensation for reviews/comments. All reviews/comments are subject to the disclaimer provided prior to posting and become the property of Pennymac once submitted. We reserve the right to validate, remove or republish your reviews/comments at any time. Equal Housing Opportunity © 2023 PennyMac Loan Services, LLC, 3043 Townsgate Rd, Suite 200, Westlake Village, CA 91361, 818-224-7442. NMLS ID # 35953. For licensing information, go to: www.nmlsconsumeraccess.org. Trade/service marks are the property of PennyMac Loan Services, LLC and/or its subsidiaries or affiliates. Arizona Mortgage Banker License # 0911088. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. Colorado office: 5500 South Quebec Street, Suite 260 Greenwood Village, CO 80111, (877) 215-2552. Massachusetts Mortgage Lender License # MC35953. Minnesota: This is not an offer to enter into an agreement and an offer may only be made pursuant to Minn. Stat. §47.206 (3) & (4). Licensed by the N.J. Department of Banking and Insurance. Licensed Mortgage Banker-NYS Department of Financial Services. North Carolina Permit No. 119504607, 119505929, 119506567, 119506570, 119507419. Rhode Island Licensed Lender # 20092600LL, Loan Broker, and Third Party Loan Servicer. Texas office: 2201 W. Plano Parkway, Suites 150 and 300, Plano, TX 75075. For more information, review Pennymac’s state licenses and important notices. Co-op loans not available. Some products may not be available in all states. Information, rates and pricing are subject to change without prior notice at the sole discretion of PennyMac Loan Services, LLC. All loan programs subject to borrowers meeting appropriate underwriting conditions. This is not a commitment to lend. Other restrictions apply. (02-2023)
Screenshots
Verdict
Homefinity Xpress and PENNYMAC MOBILE both sit at 4.8 stars, but that hides the real split: 100% of Homefinity Xpress's written reviews are positive against 50% of PENNYMAC MOBILE's. PENNYMAC MOBILE's advantage is ratings volume (173K vs 5) and update cadence (fortnightly vs every 2 months). On price, rating, ads and in-app purchases there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
On the App Store both sit at effectively the same score — 4.8 for Homefinity Xpress against 4.8 for PENNYMAC MOBILE. That said, the two scores are not equally well evidenced: PENNYMAC MOBILE has 173K ratings behind it against 5, so its average is the more settled of the two. Written reviews are what separate them: 100% of Homefinity Xpress's written reviews are positive against 50% of PENNYMAC MOBILE's.
Homefinity Xpress ships an update every 2 months, PENNYMAC MOBILE fortnightly. The most recent releases landed on November 6, 2026 and November 10, 2026 respectively.
| Parameter | Homefinity Xpress | PENNYMAC MOBILE |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (5 ratings) | 4.8 (173K ratings) — better |
| Positive reviews | 100.0% of reviews — better | 50.4% of reviews |
| Number of ratings | 5 | 173K — better |
| Update frequency | Every 2 months | Fortnightly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone | iPhone |
| Requires iOS | 26.0 | 16.6 — better |
| Further details — not scored | ||
| Size | 101 MB | 66 MB |
| Age rating | 4+ | 17+ |
| Developer | Fairway Independent Mortgage | PennyMac Loan Services, LLC |
Customer experience
Homefinity Xpress
PENNYMAC MOBILE
Bugs and requests
Homefinity Xpress
Not enough reviews yet to summarise bugs or requests.
PENNYMAC MOBILE
Reported bugs
4 issues- App crashing when switching between loans
- Biometric login not working
- Pending payments not showing up correctly
- Issues with document viewing and downloading
Requested features
6 requests- Biometric login options
- Improved payment tracking and history
- Ability to set up automatic payments
- Better integration between app and website
- More detailed payment breakdowns
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- Spanish language support
In-app purchases
Homefinity Xpress
No in-app purchases
PENNYMAC MOBILE
No in-app purchases
Questions
Is Homefinity Xpress free?
Is PENNYMAC MOBILE free?
Which has better reviews, Homefinity Xpress or PENNYMAC MOBILE?
Do Homefinity Xpress or PENNYMAC MOBILE have ads?
Which is updated more often, Homefinity Xpress or PENNYMAC MOBILE?
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