# OnPoint Mobile vs Root Mortgage

The clearest difference is rating: Root Mortgage at 5.0 against OnPoint Mobile's 4.6. Root Mortgage also leads on monetization model (free vs free with in-app purchases). OnPoint Mobile's advantage is ratings volume (24K vs 2) and update cadence (every 2 months vs every 7 months). On price, ads and in-app purchases there is nothing between them.

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

Root Mortgage holds the better App Store score, 5.0 against 4.6. That said, the two scores are not equally well evidenced: OnPoint Mobile has 24K ratings behind it against 2, so its average is the more settled of the two.

OnPoint Mobile ships an update every 2 months, Root Mortgage every 7 months. The most recent releases landed on October 19, 2026 and September 20, 2026 respectively.

## The numbers

| Metric | OnPoint Mobile | Root Mortgage |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.6 (24K ratings)](https://appshunter.io/ios/app/onpoint-mobile/id1243092558/reviews) | **[5.0 (2 ratings)](https://appshunter.io/ios/app/root-mortgage/id1563074973/reviews)** |
| Number of ratings | **24K** | 2 |
| Positive reviews | 88.6% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 2 months** | Every 7 months |
| Monetization | Free with in-app purchases | **Free** |
| Size | 133 MB | 95 MB |
| Requires iOS | **16.0** | 18.0 |
| Devices | **iPhone, iPad, Apple Watch** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [OnPoint Community Credit Union](https://appshunter.io/developer/464747630) | [Root Executives LLC](https://appshunter.io/developer/1562884482) |

## What reviewers say

### OnPoint Mobile

[App page](https://appshunter.io/ios/app/onpoint-mobile/id1243092558)

Manage your finances securely on the go. Check balances, transfer funds, pay bills, and deposit checks remotely. Business members can also manage users and generate ACH payments.

**Highlights:** Secure sign-in with biometrics, Bill management and payments, Send money to contacts, Account fund transfers, Card management (travel notifications, freeze), Mobile check deposit, Transaction search and eStatements

**Features:** macOS Compatibility, Apple Wallet, Apple Watch app, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 User-friendly app
- 🚀 Convenient mobile banking features
- 🔒 Robust security with biometric login
- 💡 Helpful customer service

**What reviewers complain about**

- 🐛 Buggy mobile deposit feature
- ⏱️ Slow transaction updates
- 🔀 Confusing account management
- 🤔 Lack of customization options

**Reported bugs**

- Mobile app crashes and freezes
- Inconsistent behavior when switching between app and website
- Transactions disappearing from account history
- Unreliable mobile deposit process

**Requested features**

- Add option to change default mobile deposit category
- Improve bill pay functionality with better scheduling and tracking
- Allow users to rearrange account order and hide unused accounts
- Implement real-time transaction updates and pending indicators


### Root Mortgage

[App page](https://appshunter.io/ios/app/root-mortgage/id1563074973)

This app simplifies the home buying and refinancing process with intuitive tools and direct communication. It offers mortgage calculators, loan program exploration, and secure document uploading. Track your loan status in real-time and connect with your advisor anytime, anywhere.

**Highlights:** Mortgage calculators, Loan program exploration, Secure application start, Pre-approval access, Real-time loan status tracking, Secure document uploading, Advisor messaging

**In-app purchases:** none


## Frequently asked questions

### Is OnPoint Mobile free?

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

### Is Root Mortgage free?

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

### Which has better reviews, OnPoint Mobile or Root Mortgage?

Root Mortgage is rated higher. OnPoint Mobile averages 4.6 out of 5 from 24K ratings, while Root Mortgage averages 5.0 from 2 ratings.

### Do OnPoint Mobile or Root Mortgage have ads?

Neither OnPoint Mobile nor Root Mortgage shows ads.

### Which is updated more often, OnPoint Mobile or Root Mortgage?

OnPoint Mobile ships an update every 2 months, and Root Mortgage every 7 months. Most recently, OnPoint Mobile was updated on October 19, 2026 and Root Mortgage on September 20, 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.*