# Your Mortgage Online vs Shellpoint

The clearest difference is update cadence: Shellpoint at monthly against Your Mortgage Online's every 4 months. Your Mortgage Online's advantage is review sentiment (68% vs 55%). On price, rating, ratings volume and ads there is nothing between them.

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

On the App Store both sit at effectively the same score — 4.9 for Your Mortgage Online against 4.9 for Shellpoint. Both are backed by a comparable volume of ratings — 31K and 17K respectively. Written reviews are what separate them: 68% of Your Mortgage Online's written reviews are positive against 55% of Shellpoint's.

Your Mortgage Online ships an update every 4 months, Shellpoint monthly. The most recent releases landed on September 24, 2026 and September 23, 2026 respectively.

## The numbers

| Metric | Your Mortgage Online | Shellpoint |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.9 (31K ratings)](https://appshunter.io/ios/app/your-mortgage-online/id1169497559/reviews) | **[4.9 (17K ratings)](https://appshunter.io/ios/app/shellpoint/id6443957708/reviews)** |
| Number of ratings | **31K** | 17K |
| Positive reviews | **68.4% of reviews** | 55.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 4 months | **Monthly** |
| Monetization | Free | Free |
| Size | 54 MB | 73 MB |
| Requires iOS | 15.1 | **15.0** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [DMI Software, Inc](https://appshunter.io/developer/1169497558) | [Newrez LLC](https://appshunter.io/developer/1435999021) |

## What reviewers say

### Your Mortgage Online

[App page](https://appshunter.io/ios/app/your-mortgage-online/id1169497559)

Manage your mortgage with ease. Make payments, track escrow accounts, taxes, and insurance. Access 24/7 support for a seamless mortgage management experience.

**Highlights:** Online payments, Escrow account management, Tax and insurance tracking, 24/7 support access

**Features:** macOS Compatibility

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 🚀 Convenient and fast payments
- 💡 Helpful information and account details
- 🔒 Secure login process

**What reviewers complain about**

- 🐛 Login issues with Face ID/Touch ID
- 🐛 Glitches and app crashes
- ⏱️ Slow payment processing
- 🔍 Lack of payment history and reporting

**Reported bugs**

- Keyboard covers submit button when adding mortgage
- Payment status not always accurately reflected
- App not compatible with older devices

**Requested features**

- Add ability to save multiple payment accounts
- Allow scheduling payments further in advance
- Integrate mortgage calculator and amortization schedule
- Improve website and app synchronization


### Shellpoint

[App page](https://appshunter.io/ios/app/shellpoint/id6443957708)

Manage your mortgage conveniently online. View account details, make payments, and access important documents directly from your mobile device. Stay on top of your loan with easy-to-use tools.

**Highlights:** View loan account details, Make one-time payments, Schedule recurring payments, Access statements and documents, View recent account activity

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

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 👍 Straightforward payment process
- 👍 Convenient payment history
- 👍 Smooth system
- 👍 Easy payment service

**What reviewers complain about**

- 🐛 App crashes or doesn't load
- 🐛 Outdated and clunky interface
- 🐛 Slow performance
- 🐛 Lack of modern features
- 🐛 Unreliable customer service

**Reported bugs**

- Unable to access loan information
- Keyboard not working in app
- Login issues, unable to log in

**Requested features**

- Ability to set up and save multiple accounts
- Push notifications for due dates
- Clearer payment history breakdown
- Partial payment option


## Frequently asked questions

### Is Your Mortgage Online free?

Your Mortgage Online is free to download, with no in-app purchases.

### Is Shellpoint free?

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

### Which has better reviews, Your Mortgage Online or Shellpoint?

Shellpoint is rated higher. Your Mortgage Online averages 4.9 out of 5 from 31K ratings, while Shellpoint averages 4.9 from 17K ratings.

### Do Your Mortgage Online or Shellpoint have ads?

Neither Your Mortgage Online nor Shellpoint shows ads.

### Which is updated more often, Your Mortgage Online or Shellpoint?

Your Mortgage Online ships an update every 4 months, and Shellpoint monthly. Most recently, Your Mortgage Online was updated on September 24, 2026 and Shellpoint on September 23, 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.*