ChatUWM vs LendingPad
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
ChatUWM
This app empowers independent mortgage brokers to manage their business remotely. It provides tools to view loan pipelines, lock loans, check rates, and submit conditions. Brokers can also access UWM's EASE platform, utilize chat support, and manage client requests.
- Loan pipeline management
- Loan locking and submission
- Rate checking
- Scenario creation
- Chat support
- Document access
- Home value estimation
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ChatUWM By United Wholesale Mortgage, LLC Created exclusively to help independent mortgage brokers manage their business on the go. Get quick access to ChatUWM, UWM’s AI-powered tool featured front and center in the ChatUWM mobile app. From one convenient app, brokers can ask questions, manage their pipeline, price loans, take lock actions, estimate home values, view their EASE Dashboard, stay on top of daily tasks and much more.
LendingPad
This finance app helps loan officers manage leads, borrowers, and loan applications. It enables credit checks, AUS runs, and quick access to loan file documentation, empowering efficient borrower focus.
- Lead management
- Borrower prequalification
- Credit checks
- AUS runs
- Loan file documentation lookup
- Mobile loan management
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LendingPad app allows users to create leads, manage loans, prequalify borrowers, perform credit checks, run AUS, and look up documentation in a loan file. Loan officers are empowered to be effective, efficient, and to focus on borrowers anytime, anywhere.
Screenshots
Verdict
The clearest difference is rating: ChatUWM at 3.8 against LendingPad's 2.4. ChatUWM also leads on update cadence (fortnightly vs every 4 months) and ratings volume (182 vs 21). LendingPad's advantage is iOS requirement (11.0 vs 16.0). On price, ads, in-app purchases and monetization model 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.
ChatUWM holds the better App Store score, 3.8 against 2.4. That said, the two scores are not equally well evidenced: ChatUWM has 182 ratings behind it against 21, so its average is the more settled of the two. Written reviews point the same way: 41% of ChatUWM's written reviews are positive against 31% of LendingPad's.
ChatUWM ships an update fortnightly, LendingPad every 4 months. The most recent releases landed on October 23, 2026 and October 22, 2026 respectively.
| Parameter | ChatUWM | LendingPad |
|---|---|---|
| Price | Free | Free |
| Rating | 3.8 (182 ratings) — better | 2.4 (21 ratings) |
| Positive reviews | 41.4% of reviews — better | 30.8% of reviews |
| Number of ratings | 182 — better | 21 |
| Update frequency | Fortnightly — better | Every 4 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad | iPhone, iPad, iPod — better |
| Requires iOS | 16.0 | 11.0 — better |
| Further details — not scored | ||
| Size | 105 MB | 10 MB |
| Age rating | 4+ | 4+ |
| Developer | UWM | LendingPad Corp |
Customer experience
ChatUWM
LendingPad
Bugs and requests
ChatUWM
Reported bugs
15 issues- CR does not work
- App doesn't find account
- App keeps crashing
- App always logs you out
- App never saves logins
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- Cannot login to the app
- Incorrect password error
- User ID and password not accepted
- App pulls up wrong documents
- Cannot log in after multiple updates
- Login issues (incorrect username/password)
- App not working on iOS
- App not working on mobile devices
- Mobile website is slow and choppy
- Cannot access information without a computer
Requested features
11 requests- App for homeowners/customers
- Customer-facing app for payments and loan activity
- Ability to manage mortgage payments
- Ability to schedule loan payments
- User-friendly interface for consumers
Show 6 moreShow fewer
- Update mobile website for user-friendliness
- Integrate customer option into the app
- Facial recognition login
- Allow selection of payment withdrawal date
- Change fees in the app
- Fix document viewing errors
LendingPad
Not enough reviews yet to summarise bugs or requests.
In-app purchases
ChatUWM
No in-app purchases
LendingPad
No in-app purchases
