# My SPS vs Shellpoint

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.

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.

## The numbers

| Metric | My SPS | Shellpoint |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.0 (324 ratings)](https://appshunter.io/ios/app/my-sps/id1457561993/reviews) | **[4.9 (17K ratings)](https://appshunter.io/ios/app/shellpoint/id6443957708/reviews)** |
| Number of ratings | 324 | **17K** |
| Positive reviews | 6.5% of reviews | **55.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Monthly** |
| Monetization | Free | Free |
| Size | 31 MB | 73 MB |
| Requires iOS | 15.6 | **15.0** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Select Portfolio Servicing, Inc.](https://appshunter.io/developer/1457561992) | [Newrez LLC](https://appshunter.io/developer/1435999021) |

## What reviewers say

### My SPS

[App page](https://appshunter.io/ios/app/my-sps/id1457561993)

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Convenient for making payments
- 🚀 Works just fine
- 💡 Easy payments

**What reviewers complain about**

- 🐛 Unable to accept terms and conditions
- 🐛 Login issues
- 🐛 App not working
- 🐛 Unable to download documents
- 🐛 Screenshot disabled

**Reported bugs**

- Unable to accept terms and conditions
- Login issues
- App not working
- Unable to download documents
- Screenshot disabled

**Requested features**

- Dark mode option
- Improved document handling
- Better account management features


### 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 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.

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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.*