Comparison

HRAgo vs PacRes Mortgage

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

HRAgo

Manage your Health Reimbursement Arrangement (HRA), Health Savings Account (HSA), Flexible Spending Account (FSA), and RHSP accounts. View balances, transaction history, submit claims, upload documentation, and update personal and investment information.

Highlights
  • View account balances and activity
  • Submit claims and documentation
  • Update contact information
  • Manage investment allocations
  • View account statements
  • Direct deposit reimbursements
Read full description

HRAgo allows you to view your account balance, as well specific account activity and history on your Funded HRA, HSA, FSA, and RHSP accounts. You can also submit claims, submit benefits card supporting documentation*, update your contact information, make investment allocation changes**, and update your account preferences directly from your iPhone or iPad. Prior to using HRAgo, you’ll need to have an existing portal user account. If you haven’t already registered your HRA/HSA/FSA/RHSP account under your plan’s respective website, please do this first. Once registered, you can use the same portal account credentials to access your account via HRAgo. Key Features: • View current account balance and activity for all of your accounts • View participant account statements** • Submit new HRA, FSA, and RHSP claims • View and search HRA, FSA, and RHSP claims history • Submit benefits card supporting documentation* • View and search benefits card transactions* • Manage your investment allocations** • Update your contact information • Sign up to receive reimbursements via direct deposit • Use Face ID or Touch ID to log in * Benefits card features are only available to participants who are enrolled in a plan that offers this option, and have elected to receive a card. ** Feature specific to invested accounts.

About

PacRes Mortgage

This app offers tools to assist with the mortgage process, including calculators for purchase and refinance estimates, and a secure document scanner. It also provides co-branded app solutions for real estate partners to share with clients.

Highlights
  • Purchase and Refinance Calculators
  • Affordability Calculator
  • Secure Document Scanner
  • Co-Branded Apps for Partners
  • Easy Sharing of Partner Apps
Features
Read full description

Introducing PacRes Mortgage’s new full-featured mortgage app, PacRes Mortgage. Download this easy-to-use app now to grab many helpful tools geared towards your mortgage process before, during and after. Key Features for Customers and Prospective Buyers Purchase and Refinance calculators that help you determine an estimate of your monthly costs and down payment amount for a variety of loan programs. Affordability Calculator-Provides estimated monthly home mortgage payments. Secure Document Scanner-You can use your phone to send secure scans of important documents directly to your loan officer. No more trying to run around trying to find a high-resolution scanner! Key Features for Our Real Estate Partners Co-Branded apps-Your own personal app makes it easy for your clients to stay in touch with both you and their loan officer throughout the process. Sharing is Easy-Once you have your own app, sharing is easy! You can text it over or email the link to anyone’s phone.

Screenshots

HRAgo4 screens
PacRes Mortgage4 screens

Verdict

The call

The clearest difference is rating: HRAgo at 3.6 against PacRes Mortgage's 1.0. HRAgo also leads on ratings volume (276 vs 1) and device support (3 vs 1). PacRes Mortgage's advantage is update cadence (monthly vs every 3 months). On price, ads, in-app purchases and monetization model there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

HRAgo holds the better App Store score, 3.6 against 1.0. That said, the two scores are not equally well evidenced: HRAgo has 276 ratings behind it against 1, so its average is the more settled of the two.

UpkeepUpdate frequency

HRAgo ships an update every 3 months, PacRes Mortgage monthly. The most recent releases landed on November 1, 2026 and October 6, 2026 respectively.

Scorecard5 real differences · 5 level
HRAgo versus PacRes Mortgage: the parameters behind the verdict, then further details
ParameterHRAgoPacRes Mortgage
PriceFreeFree
Rating3.6 (276 ratings) — better1.0 (1 ratings)
Positive reviews37.7% of reviews—
Number of ratings276 — better1
Update frequencyEvery 3 monthsMonthly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS15.0 — better18.0
Further details — not scored
Size44 MB95 MB
Age rating4+4+
DeveloperEmpire Innovation Group, LLCGSF Mortgage Corp.

Customer experience

HRAgo

All ratings258 ratings
Positive62.0%
Neutral5.8%
Negative32.2%
Written reviews106 reviews
Positive37.7%
Neutral8.5%
Negative53.8%

PacRes Mortgage

All ratings1 ratings
Positive0.0%
Neutral0.0%
Negative100.0%

Bugs and requests

HRAgo

Reported bugs

16 issues
  • Unable to log out
  • Cannot add documentation from photo library
  • App won't attach images for claims
  • Cannot find 'Benefits Card' tab
  • Kicked out before finishing upload
Show 11 more
  • App won't submit a claim
  • Website doesn't allow actions mentioned in mail
  • Forgot password/username not available
  • App won't log out without review
  • Cannot use camera or access photo album
  • Cannot submit claim information
  • Save login/username not working
  • Cannot get past login screen
  • Cannot log in
  • Listed individuals not showing in app
  • One-time rebalance not working

Requested features

9 requests
  • Allow adding multiple documents
  • Provide information on covered expenses
  • Improve navigation for monitoring deposits/credits/payments
  • Add a 'forgot password' option
  • Allow saving login credentials
Show 4 more
  • Show used and remaining account balance when filling claims
  • Allow access to all submitted documentation
  • List of what the card can be used for
  • Option to opt-out of the service

PacRes Mortgage

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

HRAgo

No in-app purchases

None

PacRes Mortgage

No in-app purchases

Questions

Is HRAgo free?
HRAgo is free to download, with no in-app purchases.
Is PacRes Mortgage free?
PacRes Mortgage is free to download, with no in-app purchases.
Which has better reviews, HRAgo or PacRes Mortgage?
HRAgo is rated higher. HRAgo averages 3.6 out of 5 from 276 ratings, while PacRes Mortgage averages 1.0 from 1 ratings.
Do HRAgo or PacRes Mortgage have ads?
Neither HRAgo nor PacRes Mortgage shows ads.
Which is updated more often, HRAgo or PacRes Mortgage?
HRAgo ships an update every 3 months, and PacRes Mortgage monthly. Most recently, HRAgo was updated on November 1, 2026 and PacRes Mortgage on October 6, 2026.

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