# My SPS vs CIVIC FS

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.

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.

## The numbers

| Metric | My SPS | CIVIC FS |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.0 (329 ratings)](https://appshunter.io/ios/app/my-sps/id1457561993/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/civic-fs/id6749899152/reviews)** |
| Number of ratings | **329** | 1 |
| Positive reviews | 6.5% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 3 weeks** |
| Monetization | Free | Free |
| Size | 31 MB | 30 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) | [Private Lender Portal LLC](https://appshunter.io/developer/1694061022) |

## 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


### CIVIC FS

[App page](https://appshunter.io/ios/app/civic-fs/id6749899152)

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:** macOS Compatibility

**In-app purchases:** none


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*