Comparison

My SPS vs CIVIC FS

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

CIVIC FS

Manage real estate financing on the go. Track loan status, submit draw requests, and communicate with your team. Streamline your investment projects with this all-in-one mobile tool.

Highlights
  • Track loan status and milestones
  • Submit draw requests with photos
  • Manage payoffs and extensions
  • In-app team messaging
  • Real-time project updates
Features
Read full description

CIVIC FS: Real Estate Loan Management Made Easy Take control of your real estate financing with the CIVIC FS app — your all-in-one mobile tool for tracking loans, completing draw requests, and managing your investment projects on the go. Whether you're flipping a home, building from the ground up, or holding for rental income, CIVIC FS puts transparency and control in the palm of your hand: * Track Loan Status: View real-time updates, milestones, and key documents for every active loan * Submit Draw Requests: Easily upload photos, track progress, and access funds faster with our SnapDraws feature * Manage Payoffs, Extensions & More: One-tap tools to stay on top of your financing lifecycle * Connect with Your Team: Message your account executive, processor, or draws representative directly in-app * Built for real estate investors, developers, and pros who need speed, clarity, and convenience. Download CIVIC FS and streamline your financing—wherever your deals take you. By using this app, you agree to the [Apple Terms of Use](https://www.apple.com/legal/internet-services/itunes/dev/stdeula/).

Screenshots

My SPS4 screens
CIVIC FS4 screens

Verdict

The call

The clearest difference is rating: CIVIC FS at 5.0 against My SPS's 2.0. CIVIC FS also leads on update cadence (every 3 weeks vs every 3 months). My SPS's advantage is ratings volume (329 vs 1). 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

CIVIC FS holds the better App Store score, 5.0 against 2.0. That said, the two scores are not equally well evidenced: My SPS has 329 ratings behind it against 1, so its average is the more settled of the two.

UpkeepUpdate frequency

My SPS ships an update every 3 months, CIVIC FS every 3 weeks. The most recent releases landed on November 2, 2026 and November 5, 2026 respectively.

Scorecard3 real differences · 7 level
My SPS versus CIVIC FS: the parameters behind the verdict, then further details
ParameterMy SPSCIVIC FS
PriceFreeFree
Rating2.0 (329 ratings)5.0 (1 ratings) — better
Positive reviews6.5% of reviews—
Number of ratings329 — better1
Update frequencyEvery 3 monthsEvery 3 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.615.0 — better
Further details — not scored
Size31 MB30 MB
Age rating4+4+
DeveloperSelect Portfolio Servicing, Inc.Private Lender Portal LLC

Customer experience

My SPS

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

CIVIC FS

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

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

CIVIC FS

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

My SPS

No in-app purchases

None

CIVIC FS

No in-app purchases

Questions

Is My SPS free?
My SPS is free to download, with no in-app purchases.
Is CIVIC FS free?
CIVIC FS is free to download, with no in-app purchases.
Which has better reviews, My SPS or CIVIC FS?
CIVIC FS is rated higher. My SPS averages 2.0 out of 5 from 329 ratings, while CIVIC FS averages 5.0 from 1 ratings.
Do My SPS or CIVIC FS have ads?
Neither My SPS nor CIVIC FS shows ads.
Which is updated more often, My SPS or CIVIC FS?
My SPS ships an update every 3 months, and CIVIC FS every 3 weeks. Most recently, My SPS was updated on November 2, 2026 and CIVIC FS on November 5, 2026.

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