I found a platform that does exactly that. It is an open source mobile app builder that you can install on your own server, so you keep full control over your code and data. You can create apps for iOS and Android without writing a single line of code. The drag and drop interface is straightforward and you can add features like payments, memberships, and e-commerce. If you prefer not to self host, they also offer a cloud version with a monthly subscription. The source code is fully open and you can modify it to fit your needs. It is used by small businesses and developers alike. If you want to see if it fits your project, take a look at https://nwicode.com/. I have been using it for a client project and it has saved me months of development time.