Comparison

PENNYMAC MOBILE vs Arbor Financial Group

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

Head to head
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)

About

Arbor Financial Group

Track your loan progress, receive real-time updates, and submit necessary conditions directly from your mobile device. Stay informed about important dates and communicate seamlessly with your loan team from origination to closing.

Highlights
  • Loan tracking
  • Real-time updates
  • Condition submission
  • Loan information verification
  • Push notification reminders
  • In-app chat
Features
Read full description

The Arbor Financial Group mobile app allows consumers, real estate agents, and loan officers the ability to track their loan, receive real-time updates and submit conditions via their mobile device. Users are able to verify loan information and status, receive push notification reminders for important dates (appraisal, loan commitment, closing, rate lock, etc.), initiate a chat and remain engaged from origination to close.

Screenshots

PENNYMAC MOBILE4 screens
Arbor Financial Group4 screens

Verdict

The call

PENNYMAC MOBILE and Arbor Financial Group both sit at 4.8 stars, but that hides the real split: 100% of Arbor Financial Group's written reviews are positive against 50% of PENNYMAC MOBILE's. Arbor Financial Group also leads on iOS requirement (10.0 vs 16.6). PENNYMAC MOBILE's advantage is ratings volume (173K vs 26). On price, rating, update cadence and ads 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 PENNYMAC MOBILE against 5.0 for Arbor Financial Group. That said, the two scores are not equally well evidenced: PENNYMAC MOBILE has 173K ratings behind it against 26, so its average is the more settled of the two. Written reviews are what separate them: 50% of PENNYMAC MOBILE's written reviews are positive against 100% of Arbor Financial Group's.

UpkeepUpdate frequency

PENNYMAC MOBILE ships an update fortnightly, Arbor Financial Group every 2 weeks. The most recent releases landed on November 12, 2026 and November 3, 2026 respectively.

Scorecard3 real differences · 7 level
PENNYMAC MOBILE versus Arbor Financial Group: the parameters behind the verdict, then further details
ParameterPENNYMAC MOBILEArbor Financial Group
PriceFreeFree
Rating4.8 (173K ratings)5.0 (26 ratings) — better
Positive reviews50.4% of reviews100.0% of reviews — better
Number of ratings173K — better26
Update frequencyFortnightlyEvery 2 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhoneiPhone, iPod — better
Requires iOS16.610.0 — better
Further details — not scored
Size66 MB28 MB
Age rating17+4+
DeveloperPennyMac Loan Services, LLCTHE TURNKEY FOUNDATION INC

Customer experience

PENNYMAC MOBILE

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

Arbor Financial Group

All ratings26 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

Bugs and 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

Arbor Financial Group

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

PENNYMAC MOBILE

No in-app purchases

None

Arbor Financial Group

No in-app purchases

Questions

Is PENNYMAC MOBILE free?
PENNYMAC MOBILE is free to download, with no in-app purchases.
Is Arbor Financial Group free?
Arbor Financial Group is free to download, with no in-app purchases.
Which has better reviews, PENNYMAC MOBILE or Arbor Financial Group?
Arbor Financial Group is rated higher. PENNYMAC MOBILE averages 4.8 out of 5 from 173K ratings, while Arbor Financial Group averages 5.0 from 26 ratings.
Do PENNYMAC MOBILE or Arbor Financial Group have ads?
Neither PENNYMAC MOBILE nor Arbor Financial Group shows ads.
Which is updated more often, PENNYMAC MOBILE or Arbor Financial Group?
PENNYMAC MOBILE ships an update fortnightly, and Arbor Financial Group every 2 weeks. Most recently, PENNYMAC MOBILE was updated on November 12, 2026 and Arbor Financial Group on November 3, 2026.

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