Comparison

My SPS vs Shellpoint

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

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.

Highlights
  • 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
Features
Read full description

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

About

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.

Highlights
  • View loan account details
  • Make one-time payments
  • Schedule recurring payments
  • Access statements and documents
  • View recent account activity
Features
Read full description

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

My SPS4 screens
Shellpoint3 screens

Verdict

The call

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

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

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.

UpkeepUpdate frequency

My SPS ships an update every 3 months, Shellpoint monthly. The most recent releases landed on September 17, 2026 and September 23, 2026 respectively.

Scorecard4 real differences · 6 level
My SPS versus Shellpoint: the parameters behind the verdict, then further details
ParameterMy SPSShellpoint
PriceFreeFree
Rating2.0 (324 ratings)4.9 (17K ratings) — better
Positive reviews6.5% of reviews55.0% of reviews — better
Number of ratings32417K — better
Update frequencyEvery 3 monthsMonthly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.615.0 — better
Further details — not scored
Size31 MB73 MB
Age rating4+4+
DeveloperSelect Portfolio Servicing, Inc.Newrez LLC

Customer experience

My SPS

All ratings324 ratings
Positive22.5%
Neutral4.0%
Negative73.5%
Written reviews154 reviews
Positive6.5%
Neutral1.9%
Negative91.6%

Shellpoint

All ratings17,141 ratings
Positive98.1%
Neutral1.2%
Negative0.7%
Written reviews100 reviews
Positive55.0%
Neutral5.0%
Negative40.0%

User reviews

My SPS

From 324 App Store ratings

What 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 ratings

What 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
Show 1 more
  • 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

None

My SPS

No in-app purchases

None

Shellpoint

No in-app purchases

Questions

Is My SPS free?
My SPS 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, My SPS or Shellpoint?
Shellpoint is rated higher. My SPS averages 2.0 out of 5 from 324 ratings, while Shellpoint averages 4.9 from 17K ratings.
Do My SPS or Shellpoint have ads?
Neither My SPS nor Shellpoint shows ads.
Which is updated more often, My SPS or Shellpoint?
My SPS ships an update every 3 months, and Shellpoint monthly. Most recently, My SPS was updated on September 17, 2026 and Shellpoint on September 23, 2026.

Other comparisons