# ChatUWM vs LendingPad

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.

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.

## The numbers

| Metric | ChatUWM | LendingPad |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.8 (182 ratings)](https://appshunter.io/ios/app/chatuwm/id796646444/reviews)** | [2.4 (21 ratings)](https://appshunter.io/ios/app/lendingpad/id1495761304/reviews) |
| Number of ratings | **182** | 21 |
| Positive reviews | **41.4% of reviews** | 30.8% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Fortnightly** | Every 4 months |
| Monetization | Free | Free |
| Size | 105 MB | 10 MB |
| Requires iOS | 16.0 | **11.0** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [UWM](https://appshunter.io/developer/796646447) | [LendingPad Corp](https://appshunter.io/developer/1536518348) |

## What reviewers say

### ChatUWM

[App page](https://appshunter.io/ios/app/chatuwm/id796646444)

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.

**Highlights:** Loan pipeline management, Loan locking and submission, Rate checking, Scenario creation, Chat support, Document access, Home value estimation

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

**In-app purchases:** none

**What reviewers like**

- 👍 All-in-one mortgage professional tool
- 🚀 Efficient loan management and tracking
- 💡 Innovative features and continuous improvement
- 👍 Access to files anytime, anywhere
- 👍 Streamlines workflow for brokers

**What reviewers complain about**

- 😞 Not for homeowners/customers
- 🐛 CR does not work
- 🐛 App doesn't work for some users
- 🐛 Login issues (password errors, not saving logins)
- 🐛 App crashes

**Reported bugs**

- CR does not work
- App doesn't find account
- App keeps crashing
- App always logs you out
- App never saves logins

**Requested features**

- 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


### LendingPad

[App page](https://appshunter.io/ios/app/lendingpad/id1495761304)

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.

**Highlights:** Lead management, Borrower prequalification, Credit checks, AUS runs, Loan file documentation lookup, Mobile loan management

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is ChatUWM free?

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

### Is LendingPad free?

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

### Which has better reviews, ChatUWM or LendingPad?

ChatUWM is rated higher. ChatUWM averages 3.8 out of 5 from 182 ratings, while LendingPad averages 2.4 from 21 ratings.

### Do ChatUWM or LendingPad have ads?

Neither ChatUWM nor LendingPad shows ads.

### Which is updated more often, ChatUWM or LendingPad?

ChatUWM ships an update fortnightly, and LendingPad every 4 months. Most recently, ChatUWM was updated on October 23, 2026 and LendingPad on October 22, 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.*