My SPS vs CIVIC FS
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
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.
- Track loan status and milestones
- Submit draw requests with photos
- Manage payoffs and extensions
- In-app team messaging
- Real-time project updates
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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
Verdict
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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
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.
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.
| Parameter | My SPS | CIVIC FS |
|---|---|---|
| Price | Free | Free |
| Rating | 2.0 (329 ratings) | 5.0 (1 ratings) — better |
| Positive reviews | 6.5% of reviews | — |
| Number of ratings | 329 — better | 1 |
| Update frequency | Every 3 months | Every 3 weeks — 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 | 30 MB |
| Age rating | 4+ | 4+ |
| Developer | Select Portfolio Servicing, Inc. | Private Lender Portal LLC |
Customer experience
My SPS
CIVIC FS
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
CIVIC FS
Not enough reviews yet to summarise bugs or requests.
In-app purchases
My SPS
No in-app purchases
CIVIC FS
No in-app purchases









