My SPS vs Shellpoint
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
My SPS
Manage your mortgage account securely and conveniently 24/7. Make payments, set up auto-drafts, view statements, and review escrow details on the go. Access account information and upload documents easily.
- Manage mortgage account 24/7
- Make mortgage payments
- Set up/modify auto-draft payments
- View statements and letters
- Review escrow information
- Upload documents
- Secure login with Touch/Face ID
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My SPS mobile app is a fast, secure way to manage your mortgage account 24/7. Make payments, set up and make changes to monthly auto draft, view statements, and review escrow information. *If you have already created a user name and password on spservicing.com, just skip the registration process and login with your online username and password. Features: • Manage your account and make your mortgage payment 24/7 on the go • Access the Information HUB for answers to your most common account questions • Set up or modify existing auto draft payments • Quickly access your account with touch ID or face ID for eligible devices • Review balances and activity • Upload documents for your account • View monthly statements and letters
Shellpoint
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.
- View loan account details
- Make one-time payments
- Schedule recurring payments
- Access statements and documents
- View recent account activity
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Shellpoint: Easily manage your mortgage online with the Shellpoint app. All in the palm of your hand you can view account details, select payment options, access important documents, and more! Download the Shellpoint app to: - View a snapshot of your current loan, including account details, recent activity, and payment info. - Make a one-time payment, view pending payments, or schedule recurring payments. - Access statements and documents. Who is Shellpoint Mortgage Servicing? Shellpoint Mortgage Servicing manages (or “services”) mortgage loans after mortgage lenders originate them. On behalf of lenders and investor clients, Shellpoint Mortgage Servicing accepts and processes mortgage payments from more than 1.7 million homeowners nationwide. In recent years the company has grown to become America’s 5th-largest non-bank mortgage servicer, with over 2,500 employees based out of offices in Florida, South Carolina, Texas, and Arizona.
Screenshots
Verdict
The clearest difference is review sentiment: Shellpoint at 55% against My SPS's 6%. Shellpoint also leads on rating (4.9 vs 2.0) and ratings volume (17K vs 324). 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Shellpoint holds the better App Store score, 4.9 against 2.0. That said, the two scores are not equally well evidenced: Shellpoint has 17K ratings behind it against 324, so its average is the more settled of the two. Written reviews point the same way: 6% of My SPS's written reviews are positive against 55% of Shellpoint's.
My SPS ships an update every 3 months, Shellpoint monthly. The most recent releases landed on September 17, 2026 and September 23, 2026 respectively.
| Parameter | My SPS | Shellpoint |
|---|---|---|
| Price | Free | Free |
| Rating | 2.0 (324 ratings) | 4.9 (17K ratings) — better |
| Positive reviews | 6.5% of reviews | 55.0% of reviews — better |
| Number of ratings | 324 | 17K — better |
| Update frequency | Every 3 months | Monthly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.6 | 15.0 — better |
| Further details — not scored | ||
| Size | 31 MB | 73 MB |
| Age rating | 4+ | 4+ |
| Developer | Select Portfolio Servicing, Inc. | Newrez LLC |
Customer experience
My SPS
Shellpoint
User reviews
My SPS
From 324 App Store ratingsWhat we love
- 👍 Convenient for making payments
- 🚀 Works just fine
- 💡 Easy payments
Room to improve
- 🐛 Unable to accept terms and conditions
- 🐛 Login issues
- 🐛 App not working
- 🐛 Unable to download documents
- 🐛 Screenshot disabled
Shellpoint
From 17K App Store ratingsWhat we love
- 👍 Easy to use
- 👍 Straightforward payment process
- 👍 Convenient payment history
- 👍 Smooth system
- 👍 Easy payment service
Room to improve
- 🐛 App crashes or doesn't load
- 🐛 Outdated and clunky interface
- 🐛 Slow performance
- 🐛 Lack of modern features
- 🐛 Unreliable customer service
Bugs and requests
My SPS
Reported bugs
6 issues- Unable to accept terms and conditions
- Login issues
- App not working
- Unable to download documents
- Screenshot disabled
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- Freezes after update
Requested features
3 requests- Dark mode option
- Improved document handling
- Better account management features
Shellpoint
Reported bugs
3 issues- Unable to access loan information
- Keyboard not working in app
- Login issues, unable to log in
Requested features
4 requests- Ability to set up and save multiple accounts
- Push notifications for due dates
- Clearer payment history breakdown
- Partial payment option
In-app purchases
My SPS
No in-app purchases
Shellpoint
No in-app purchases
Questions
Is My SPS free?
Is Shellpoint free?
Which has better reviews, My SPS or Shellpoint?
Do My SPS or Shellpoint have ads?
Which is updated more often, My SPS or Shellpoint?
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