# National MI vs KinLocker

The clearest difference is rating: National MI at 5.0 against KinLocker's 4.0. KinLocker's advantage is update cadence (every 5 weeks vs every 16 months). On price, ratings volume, 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.

National MI holds the better App Store score, 5.0 against 4.0. Both are backed by a comparable volume of ratings — 11 and 4 respectively.

National MI ships an update every 16 months, KinLocker every 5 weeks. The most recent releases landed on October 24, 2026 and October 9, 2026 respectively.

## The numbers

| Metric | National MI | KinLocker |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (11 ratings)](https://appshunter.io/ios/app/national-mi/id894227853/reviews)** | [4.0 (4 ratings)](https://appshunter.io/ios/app/kinlocker/id1627398239/reviews) |
| Number of ratings | **11** | 4 |
| Positive reviews | 100.0% of reviews | — |
| In-app purchases | No | No |
| Ads | Yes | Yes |
| Update frequency | Every 16 months | **Every 5 weeks** |
| Monetization | Ad-supported | Ad-supported |
| Size | 48 MB | 114 MB |
| Requires iOS | 15.0 | 15.0 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 12+ |
| Developer | [National MI](https://appshunter.io/developer/1382422238) | [Finlocker LLC](https://appshunter.io/developer/1357188723) |

## What reviewers say

### National MI

[App page](https://appshunter.io/ios/app/national-mi/id894227853)

This finance app allows users to quickly generate rate quotes, stay updated on important information, and receive timely notifications. It also facilitates easy contact with the right professionals for mortgage insurance inquiries.

**Highlights:** Run rate quotes, View updates, Receive notifications, Find contact person, Easy to use interface

**Features:** macOS Compatibility

**In-app purchases:** none


### KinLocker

[App page](https://appshunter.io/ios/app/kinlocker/id1627398239)

This financial assistant helps you manage your money, track spending, and improve your credit score. It also assists in preparing for homeownership by offering tools for down payment planning, debt management, and property searches.

**Highlights:** Financial dashboard with balances, net worth, and spending analysis, Budget tracking with category drill-down and alerts, Free credit score, report, and monitoring (soft pull), Homeownership preparation tools (down payment, DTI, reserves), Real estate listing search and saving, Secure financial account management

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

**In-app purchases:** none


## Frequently asked questions

### Is National MI free?

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

### Is KinLocker free?

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

### Which has better reviews, National MI or KinLocker?

National MI is rated higher. National MI averages 5.0 out of 5 from 11 ratings, while KinLocker averages 4.0 from 4 ratings.

### Do National MI or KinLocker have ads?

Both National MI and KinLocker show ads.

### Which is updated more often, National MI or KinLocker?

National MI ships an update every 16 months, and KinLocker every 5 weeks. Most recently, National MI was updated on October 24, 2026 and KinLocker on October 9, 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.*