# RateWatch vs Encompass Advisory

The clearest difference is update cadence: RateWatch at every 2 months against Encompass Advisory's every 6 months. RateWatch also leads on iOS requirement (9.0 vs 13.4). On price, ads, in-app purchases and device support there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

RateWatch ships an update every 2 months, Encompass Advisory every 6 months. The most recent releases landed on September 22, 2026 and September 13, 2026 respectively.

## The numbers

| Metric | RateWatch | Encompass Advisory |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.9 (137 ratings)](https://appshunter.io/ios/app/ratewatch/id888906343/reviews)** | — |
| Number of ratings | **137** | — |
| Positive reviews | 70.0% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 2 months** | Every 6 months |
| Monetization | Subscription | — |
| Size | 23 MB | 38 MB |
| Requires iOS | **9.0** | 13.4 |
| Devices | **iPhone, iPad, iPod, Apple Watch** | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Mortgage Coach](https://appshunter.io/developer/586751423) | [Encompass Advisory Services LLC](https://appshunter.io/developer/1498846902) |

## What reviewers say

### RateWatch

[App page](https://appshunter.io/ios/app/ratewatch/id888906343)

This app provides mortgage professionals with real-time MBS market data and alerts. It uses interactive charting to display market movements, helping users protect clients and maximize loan advice by avoiding surprises. Professionals can spot trends with historical data and gain a competitive edge.

**Highlights:** Real-time MBS market movements, Instant market movement notifications, Interactive charting technology, Historical market data for trend spotting, DayWatch 5-minute interval plotting, Multiple moving averages and time frames

**Features:** macOS Compatibility, Apple Watch app, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use for professionals
- 📈 Timely market information
- 🤝 Builds trust with clients
- 💡 Great for client education
- 🚀 Quick access to data

**What reviewers complain about**

- ❌ Cannot create an account
- ❌ Login screen only, no access
- ❌ Deceptive pricing/subscription
- 🐛 Settings revert to default
- 📉 Trend lines nearly invisible

**Reported bugs**

- Cannot register for an account
- Username required but cannot create one
- No option to create an account
- Terms link has a 404 error
- App drops out or glitches

**Requested features**

- Add functionality of desktop version
- Improve visibility of trend lines
- Make settings persistent
- Allow guest access
- Offer predictive market features


### Encompass Advisory

[App page](https://appshunter.io/ios/app/encompass-advisory/id1498846903)

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is RateWatch free?

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

### Is Encompass Advisory free?

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

### Do RateWatch or Encompass Advisory have ads?

Neither RateWatch nor Encompass Advisory shows ads.

### Which is updated more often, RateWatch or Encompass Advisory?

RateWatch ships an update every 2 months, and Encompass Advisory every 6 months. Most recently, RateWatch was updated on September 22, 2026 and Encompass Advisory on September 13, 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.*