# ChatUWM vs HomePal

The clearest difference is rating: HomePal at 5.0 against ChatUWM's 3.8. HomePal also leads on iOS requirement (13.0 vs 16.0). ChatUWM's advantage is ratings volume (182 vs 1) and update cadence (fortnightly vs monthly). 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.

HomePal holds the better App Store score, 5.0 against 3.8. That said, the two scores are not equally well evidenced: ChatUWM has 182 ratings behind it against 1, so its average is the more settled of the two.

ChatUWM ships an update fortnightly, HomePal monthly. The most recent releases landed on October 29, 2026 and October 11, 2026 respectively.

## The numbers

| Metric | ChatUWM | HomePal |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.8 (182 ratings)](https://appshunter.io/ios/app/chatuwm/id796646444/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/homepal/id6473648353/reviews)** |
| Number of ratings | **182** | 1 |
| Positive reviews | 41.4% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Fortnightly** | Monthly |
| Monetization | Free | Free |
| Size | 105 MB | 62 MB |
| Requires iOS | 16.0 | **13.0** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 17+ |
| Developer | [UWM](https://appshunter.io/developer/796646447) | [HomePal LLC](https://appshunter.io/developer/1719338674) |

## 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


### HomePal

[App page](https://appshunter.io/ios/app/homepal/id6473648353)

Easily calculate mortgage payments with a suite of precise calculators. Navigate the home buying process with educational content and connect directly with your loan officer for professional advice and document management.

**Highlights:** 13 precise mortgage calculators, Home affordability estimation, Refinance decision support, Step-by-step home buying guide, Loan program identification, Secure document upload, Direct loan officer messaging

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is ChatUWM free?

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

### Is HomePal free?

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

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

HomePal is rated higher. ChatUWM averages 3.8 out of 5 from 182 ratings, while HomePal averages 5.0 from 1 ratings.

### Do ChatUWM or HomePal have ads?

Neither ChatUWM nor HomePal shows ads.

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

ChatUWM ships an update fortnightly, and HomePal monthly. Most recently, ChatUWM was updated on October 29, 2026 and HomePal on October 11, 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.*