OnPoint Mobile vs PacRes Mortgage
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- 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
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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.)
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.
- Purchase and Refinance Calculators
- Affordability Calculator
- Secure Document Scanner
- Co-Branded Apps for Partners
- Easy Sharing of Partner Apps
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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
Verdict
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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
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.
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.
| Parameter | OnPoint Mobile | PacRes Mortgage |
|---|---|---|
| Price | Free | Free |
| Rating | 4.6 (25K ratings) — better | 1.0 (1 ratings) |
| Positive reviews | 88.6% of reviews | — |
| Number of ratings | 25K — better | 1 |
| Update frequency | Every 2 months | Monthly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | Free — better |
| Devices | iPhone, iPad, Apple Watch — better | iPhone |
| Requires iOS | 16.0 — better | 18.0 |
| Further details — not scored | ||
| Size | 133 MB | 95 MB |
| Age rating | 4+ | 4+ |
| Developer | OnPoint Community Credit Union | GSF Mortgage Corp. |
Customer experience
OnPoint Mobile
PacRes Mortgage
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
OnPoint Mobile
No in-app purchases
PacRes Mortgage
No in-app purchases
Questions
Is OnPoint Mobile free?
Is PacRes Mortgage free?
Which has better reviews, OnPoint Mobile or PacRes Mortgage?
Do OnPoint Mobile or PacRes Mortgage have ads?
Which is updated more often, OnPoint Mobile or PacRes Mortgage?
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