# RateWatch vs NFMLending

The clearest difference is review sentiment: RateWatch at 70% against NFMLending's 0%. RateWatch also leads on rating (3.9 vs 3.5) and ratings volume (137 vs 2). NFMLending's advantage is monetization model (free vs subscription). 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.

RateWatch holds the better App Store score, 3.9 against 3.5. That said, the two scores are not equally well evidenced: RateWatch has 137 ratings behind it against 2, so its average is the more settled of the two. Written reviews point the same way: 70% of RateWatch's written reviews are positive against 0% of NFMLending's.

RateWatch ships an update every 2 months, NFMLending every 3 months. The most recent releases landed on September 22, 2026 and June 10, 2026 respectively.

## The numbers

| Metric | RateWatch | NFMLending |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.9 (137 ratings)](https://appshunter.io/ios/app/ratewatch/id888906343/reviews)** | [3.5 (2 ratings)](https://appshunter.io/ios/app/nfmlending/id1591253491/reviews) |
| Number of ratings | **137** | 2 |
| Positive reviews | **70.0% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 2 months** | Every 3 months |
| Monetization | Subscription | **Free** |
| Size | 23 MB | 95 MB |
| Requires iOS | **9.0** | 18.0 |
| Devices | **iPhone, iPad, iPod, Apple Watch** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Mortgage Coach](https://appshunter.io/developer/586751423) | [NFM, INC](https://appshunter.io/developer/1046892914) |

## 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


### NFMLending

[App page](https://appshunter.io/ios/app/nfmlending/id1591253491)

This app assists consumers in obtaining residential loans by streamlining the application and closing process. It focuses on providing exemplary service with high standards of honesty, integrity, and ethics.

**Highlights:** Residential loan assistance, Streamlined loan process, Fast closing times, High service standards, Honesty and integrity focus

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is RateWatch free?

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

### Is NFMLending free?

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

### Which has better reviews, RateWatch or NFMLending?

RateWatch is rated higher. RateWatch averages 3.9 out of 5 from 137 ratings, while NFMLending averages 3.5 from 2 ratings.

### Do RateWatch or NFMLending have ads?

Neither RateWatch nor NFMLending shows ads.

### Which is updated more often, RateWatch or NFMLending?

RateWatch ships an update every 2 months, and NFMLending every 3 months. Most recently, RateWatch was updated on September 22, 2026 and NFMLending on June 10, 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.*