# NCFBINS vs Apply With Atlantic Bay

The clearest difference is rating: Apply With Atlantic Bay at 5.0 against NCFBINS's 2.4. NCFBINS's advantage is ratings volume (80 vs 7) and iOS requirement (15.0 vs 18.0). 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.

Apply With Atlantic Bay holds the better App Store score, 5.0 against 2.4. That said, the two scores are not equally well evidenced: NCFBINS has 80 ratings behind it against 7, so its average is the more settled of the two.

Both ship on a similar rhythm, roughly every 2 months. The most recent releases landed on November 1, 2026 and November 3, 2026 respectively.

## The numbers

| Metric | NCFBINS | Apply With Atlantic Bay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.4 (80 ratings)](https://appshunter.io/ios/app/ncfbins/id967263175/reviews) | **[5.0 (7 ratings)](https://appshunter.io/ios/app/apply-with-atlantic-bay/id6446604838/reviews)** |
| Number of ratings | **80** | 7 |
| Positive reviews | 14.6% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | Every 2 months |
| Monetization | Free | Free |
| Size | 47 MB | 102 MB |
| Requires iOS | **15.0** | 18.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [North Carolina Farm Bureau Mutual Insurance Company](https://appshunter.io/developer/967263174) | [ATLANTIC BAY MORTGAGE GROUP, L.L.C.](https://appshunter.io/developer/1678398750) |

## What reviewers say

### NCFBINS

[App page](https://appshunter.io/ios/app/ncfbins/id967263175)

Manage your N.C. Farm Bureau Insurance policies conveniently from your mobile device. Access policy details, make payments, report claims, and connect with your agent. View and save your insurance cards for easy access.

**Highlights:** Access policy information, Make payments, Report claims, View insurance cards, Contact agent

**Features:** Vision Pro support

**In-app purchases:** none


### Apply With Atlantic Bay

[App page](https://appshunter.io/ios/app/apply-with-atlantic-bay/id6446604838)

Simplify your home loan journey with this mortgage application tool. Compare loan scenarios, calculate refinancing savings, and determine homeownership affordability. Scan and upload documents to expedite the process and stay informed on industry news.

**Highlights:** Compare lending scenarios, Calculate refinancing savings, Determine homeownership affordability, Scan and upload documents, Access mortgage banker contact, Stay updated on industry news

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

**In-app purchases:** none


## Frequently asked questions

### Is NCFBINS free?

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

### Is Apply With Atlantic Bay free?

Apply With Atlantic Bay is free to download, with no in-app purchases.

### Which has better reviews, NCFBINS or Apply With Atlantic Bay?

Apply With Atlantic Bay is rated higher. NCFBINS averages 2.4 out of 5 from 80 ratings, while Apply With Atlantic Bay averages 5.0 from 7 ratings.

### Do NCFBINS or Apply With Atlantic Bay have ads?

Neither NCFBINS nor Apply With Atlantic Bay shows ads.

### Which is updated more often, NCFBINS or Apply With Atlantic Bay?

NCFBINS ships an update every 2 months, and Apply With Atlantic Bay every 2 months. Most recently, NCFBINS was updated on November 1, 2026 and Apply With Atlantic Bay on November 3, 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.*