# Valley Mobile Banking vs Universal Lending

The clearest difference is ratings volume: Valley Mobile Banking at 2.2K against Universal Lending's 13. Universal Lending's advantage is rating (5.0 vs 4.7). On price, update cadence, 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.

Universal Lending holds the better App Store score, 5.0 against 4.7. That said, the two scores are not equally well evidenced: Valley Mobile Banking has 2.2K ratings behind it against 13, so its average is the more settled of the two.

Valley Mobile Banking ships an update every 4 months, Universal Lending every 3 months. The most recent releases landed on November 6, 2026 and November 4, 2026 respectively.

## The numbers

| Metric | Valley Mobile Banking | Universal Lending |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.7 (2.2K ratings)](https://appshunter.io/ios/app/valley-mobile-banking/id520557176/reviews) | **[5.0 (13 ratings)](https://appshunter.io/ios/app/universal-lending/id1300332022/reviews)** |
| Number of ratings | **2.2K** | 13 |
| Positive reviews | 74.6% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 4 months | **Every 3 months** |
| Monetization | Free | Free |
| Size | 181 MB | 101 MB |
| Requires iOS | **17.0** | 18.0 |
| Devices | **iPhone, iPad** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Valley Financial Credit Union](https://appshunter.io/developer/520557179) | [Lower, LLC](https://appshunter.io/developer/1143955968) |

## What reviewers say

### Valley Mobile Banking

[App page](https://appshunter.io/ios/app/valley-mobile-banking/id520557176)

Manage your finances on the go with secure and convenient mobile banking. Access account balances, view transactions, transfer funds, pay bills, and deposit checks from your device. Locate ATMs and activate cash back offers easily.

**Highlights:** Check account balances, View transaction history, Transfer funds between accounts, Pay bills, Deposit checks, Locate ATMs, Activate cash back offers

**Features:** Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Convenient banking
- 👍 User-friendly app
- 💯 Great credit union
- 🏆 Amazing service
- 🔒 Secure banking

**What reviewers complain about**

- 🐛 Glitchy app
- 🚫 Unable to access account
- 📤 Mobile deposit issues
- ⏱️ Frequent timeouts
- 💳 Debit card problems

**Reported bugs**

- Blank screen when unlocking cards
- Application errors preventing access
- Mobile deposit not working properly

**Requested features**

- Add mobile deposit feature
- Integrate with online banking
- Implement quick balance feature
- Add tap feature for debit cards


### Universal Lending

[App page](https://appshunter.io/ios/app/universal-lending/id1300332022)

This mobile application connects borrowers, real estate partners, and sales teams within the mortgage process. It aims to provide specialized attention and streamline the real estate financing journey.

**Highlights:** Connects borrowers, realtors, and sales teams, Streamlines mortgage process, Specialized attention for users, Real estate industry focus

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Valley Mobile Banking free?

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

### Is Universal Lending free?

Universal Lending is free to download, with no in-app purchases.

### Which has better reviews, Valley Mobile Banking or Universal Lending?

Universal Lending is rated higher. Valley Mobile Banking averages 4.7 out of 5 from 2.2K ratings, while Universal Lending averages 5.0 from 13 ratings.

### Do Valley Mobile Banking or Universal Lending have ads?

Neither Valley Mobile Banking nor Universal Lending shows ads.

### Which is updated more often, Valley Mobile Banking or Universal Lending?

Valley Mobile Banking ships an update every 4 months, and Universal Lending every 3 months. Most recently, Valley Mobile Banking was updated on November 6, 2026 and Universal Lending on November 4, 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.*