# HRAgo vs PacRes Mortgage

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.

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

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.

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

## The numbers

| Metric | HRAgo | PacRes Mortgage |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.6 (276 ratings)](https://appshunter.io/ios/app/hrago/id946966606/reviews)** | [1.0 (1 ratings)](https://appshunter.io/ios/app/pacres-mortgage/id6741334643/reviews) |
| Number of ratings | **276** | 1 |
| Positive reviews | 37.7% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Monthly** |
| Monetization | Free | Free |
| Size | 44 MB | 95 MB |
| Requires iOS | **15.0** | 18.0 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Empire Innovation Group, LLC](https://appshunter.io/developer/946966605) | [GSF Mortgage Corp.](https://appshunter.io/developer/1116735472) |

## What reviewers say

### HRAgo

[App page](https://appshunter.io/ios/app/hrago/id946966606)

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

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 🚀 Efficient claims submission
- 🤝 Great customer service
- 📱 User-friendly app
- ✅ Makes HRA easy

**What reviewers complain about**

- 🐌 Slow processing
- ❌ Denied claims frequently
- 😩 Cumbersome process
- ❓ Lack of explanation for denials
- 📚 Difficult to upload documents

**Reported bugs**

- 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

**Requested features**

- 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


### PacRes Mortgage

[App page](https://appshunter.io/ios/app/pacres-mortgage/id6741334643)

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:** macOS Compatibility

**In-app purchases:** none


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*