Comparison

Homefinity Xpress vs PENNYMAC MOBILE

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

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.

Highlights
  • Apply for loans quickly
  • Real-time loan progress tracking
  • Direct contact with loan officers
  • Secure document scanning
  • Loan scenario calculations
  • In-app home searching
Features
Read full description

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.

About

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.

Highlights
  • Check loan balance
  • Track loan payments
  • Set up automatic payments
  • Download statements
  • Manage escrow
  • Payment reminders
  • Fingerprint authentication
Features
Read full description

**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

Homefinity Xpress4 screens
PENNYMAC MOBILE4 screens

Verdict

The call

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

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

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.

UpkeepUpdate frequency

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.

Scorecard4 real differences · 6 level
Homefinity Xpress versus PENNYMAC MOBILE: the parameters behind the verdict, then further details
ParameterHomefinity XpressPENNYMAC MOBILE
PriceFreeFree
Rating4.8 (5 ratings)4.8 (173K ratings) — better
Positive reviews100.0% of reviews — better50.4% of reviews
Number of ratings5173K — better
Update frequencyEvery 2 monthsFortnightly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhoneiPhone
Requires iOS26.016.6 — better
Further details — not scored
Size101 MB66 MB
Age rating4+17+
DeveloperFairway Independent MortgagePennyMac Loan Services, LLC

Customer experience

Homefinity Xpress

All ratings5 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

PENNYMAC MOBILE

All ratings169,923 ratings
Positive96.6%
Neutral1.4%
Negative2.0%
Written reviews736 reviews
Positive50.4%
Neutral7.9%
Negative41.7%

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
Show 1 more
  • Spanish language support

In-app purchases

None

Homefinity Xpress

No in-app purchases

None

PENNYMAC MOBILE

No in-app purchases

Questions

Is Homefinity Xpress free?
Homefinity Xpress is free to download, with no in-app purchases.
Is PENNYMAC MOBILE free?
PENNYMAC MOBILE is free to download, with no in-app purchases.
Which has better reviews, Homefinity Xpress or PENNYMAC MOBILE?
PENNYMAC MOBILE is rated higher. Homefinity Xpress averages 4.8 out of 5 from 5 ratings, while PENNYMAC MOBILE averages 4.8 from 173K ratings.
Do Homefinity Xpress or PENNYMAC MOBILE have ads?
Neither Homefinity Xpress nor PENNYMAC MOBILE shows ads.
Which is updated more often, Homefinity Xpress or PENNYMAC MOBILE?
Homefinity Xpress ships an update every 2 months, and PENNYMAC MOBILE fortnightly. Most recently, Homefinity Xpress was updated on November 6, 2026 and PENNYMAC MOBILE on November 10, 2026.

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