Comparison

OnPoint Mobile vs PacRes Mortgage

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

Head to head
About

OnPoint Mobile

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
Read full description

One app for all members - Securely and safely check balances, transfer funds, view transactions and more anywhere, anytime. With OnPoint Mobile you can: • Sign in securely with Touch ID and Face ID (on supported devices). • Manage your bills and pay almost anyone, schedule recurring bill payments and receive eBills. • Send money to anyone in the U.S. with a phone number or email address. • Transfer funds between your OnPoint accounts and your accounts at other financial institutions. • Set travel notifications for your OnPoint debit or credit cards. • Freeze your OnPoint debit or credit card (for peace of mind or if lost or misplaced). • Deposit checks without the need to visit a branch or ATM. • View cleared check images and mobile deposit check images. • Customize account nicknames, preferences, and alerts. • Search transactions to quickly and easily find a specific transaction without endless scrolling. • View eStatements. Additionally, business members can: • Add entitled users and set and control their access rights and limits. • Generate ACH payments, such as payroll. (ACH Agreement required prior to using ACH payment services.)

About

PacRes Mortgage

This app offers tools to assist with the mortgage process, including calculators for purchase and refinance estimates, and a secure document scanner. It also provides co-branded app solutions for real estate partners to share with clients.

Highlights
  • Purchase and Refinance Calculators
  • Affordability Calculator
  • Secure Document Scanner
  • Co-Branded Apps for Partners
  • Easy Sharing of Partner Apps
Features
Read full description

Introducing PacRes Mortgage’s new full-featured mortgage app, PacRes Mortgage. Download this easy-to-use app now to grab many helpful tools geared towards your mortgage process before, during and after. Key Features for Customers and Prospective Buyers Purchase and Refinance calculators that help you determine an estimate of your monthly costs and down payment amount for a variety of loan programs. Affordability Calculator-Provides estimated monthly home mortgage payments. Secure Document Scanner-You can use your phone to send secure scans of important documents directly to your loan officer. No more trying to run around trying to find a high-resolution scanner! Key Features for Our Real Estate Partners Co-Branded apps-Your own personal app makes it easy for your clients to stay in touch with both you and their loan officer throughout the process. Sharing is Easy-Once you have your own app, sharing is easy! You can text it over or email the link to anyone’s phone.

Screenshots

OnPoint Mobile4 screens
PacRes Mortgage4 screens

Verdict

The call

The clearest difference is rating: OnPoint Mobile at 4.6 against PacRes Mortgage's 1.0. OnPoint Mobile also leads on ratings volume (25K vs 1) and device support (3 vs 1). PacRes Mortgage's advantage is monetization model (free vs free with in-app purchases) and update cadence (monthly vs every 2 months). On price, 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

OnPoint Mobile holds the better App Store score, 4.6 against 1.0. That said, the two scores are not equally well evidenced: OnPoint Mobile has 25K ratings behind it against 1, so its average is the more settled of the two.

UpkeepUpdate frequency

OnPoint Mobile ships an update every 2 months, PacRes Mortgage monthly. The most recent releases landed on October 26, 2026 and October 6, 2026 respectively.

Scorecard6 real differences · 4 level
OnPoint Mobile versus PacRes Mortgage: the parameters behind the verdict, then further details
ParameterOnPoint MobilePacRes Mortgage
PriceFreeFree
Rating4.6 (25K ratings) — better1.0 (1 ratings)
Positive reviews88.6% of reviews—
Number of ratings25K — better1
Update frequencyEvery 2 monthsMonthly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPad, Apple Watch — betteriPhone
Requires iOS16.0 — better18.0
Further details — not scored
Size133 MB95 MB
Age rating4+4+
DeveloperOnPoint Community Credit UnionGSF Mortgage Corp.

Customer experience

OnPoint Mobile

All ratings23,563 ratings
Positive91.6%
Neutral3.0%
Negative5.5%
Written reviews1,903 reviews
Positive88.6%
Neutral3.7%
Negative7.6%

PacRes Mortgage

All ratings1 ratings
Positive0.0%
Neutral0.0%
Negative100.0%

Bugs and requests

OnPoint Mobile

Reported bugs

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

Requested features

4 requests
  • 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

PacRes Mortgage

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

OnPoint Mobile

No in-app purchases

None

PacRes Mortgage

No in-app purchases

Questions

Is OnPoint Mobile free?
OnPoint Mobile is free to download, with no in-app purchases.
Is PacRes Mortgage free?
PacRes Mortgage is free to download, with no in-app purchases.
Which has better reviews, OnPoint Mobile or PacRes Mortgage?
OnPoint Mobile is rated higher. OnPoint Mobile averages 4.6 out of 5 from 25K ratings, while PacRes Mortgage averages 1.0 from 1 ratings.
Do OnPoint Mobile or PacRes Mortgage have ads?
Neither OnPoint Mobile nor PacRes Mortgage shows ads.
Which is updated more often, OnPoint Mobile or PacRes Mortgage?
OnPoint Mobile ships an update every 2 months, and PacRes Mortgage monthly. Most recently, OnPoint Mobile was updated on October 26, 2026 and PacRes Mortgage on October 6, 2026.

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