Comparison

My SPS vs Baselane

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

Baselane

This app offers integrated banking and bookkeeping specifically for real estate investors. It automates financial tasks like rent collection and expense tracking, providing insights for smarter investment decisions.

Highlights
  • Unlimited property-specific accounts
  • Automated transaction categorization
  • Real-time cash flow insights
  • Automated rent collection
  • ACH, wire, and check payments
  • FDIC insurance up to $3M
Features
Read full description

Baselane’s integrated banking and bookkeeping platform automates repetitive, manual financial tasks, so managing money for multiple properties doesn’t get in the way of your weekends. *Trusted by 50,000+ real estate investors* Banking that gets the way real estate works Say goodbye to one-size fits-all banking and get unlimited property-specific accounts for all of your entities under one login • Open unlimited property-specific checking and savings accounts in minutes • FDIC insurance up to $3M1 via Thread Bank • Earn high Annual Percentage Yield (APY)2 on savings • Bank without monthly account maintenance fees or minimum balance requirements Bookkeeping that happens as you bank Ditch manual expense tracking for good. Sync, sort, and report all of your rental property transactions - automatically. • Automatically categorize transactions to a specific property and expense category - AI and auto-tagging rules available via our web app • View all transactions across Baselane and connected accounts and cards in one centralized, organized ledger • Get real-time cash flow insights and tax-ready reports for smarter, faster investing decisions Cash flow on cruise control Get every dollar where (and when) it needs to go without getting in the middle. • Automatically collect rent, late fees, and deposits from Airbnb, VRBO, and Booking.com directly into your Baselane account • Schedule recurring and one-time payments via ACH, wire or check • Save all your payees and vendors to easily send money and make disbursements - - - Baselane is a financial technology company and is not an FDIC-insured bank. Banking services provided by Thread Bank, Member FDIC. FDIC deposit insurance covers the failure of an insured bank. FDIC insurance is available for funds on deposit through Thread Bank, Member FDIC. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. The Baselane Visa debit card is issued by Thread Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used anywhere Visa cards are accepted. 1 Your deposits qualify for up to $3,000,000 in FDIC insurance coverage when Thread Bank places them at program banks in its deposit sweep program. Your deposits at each program bank become eligible for FDIC insurance up to $250,000, inclusive of any other deposits you may already hold at the bank in the same ownership capacity. You can access the terms and conditions of the sweep program at https://thread.bank/sweep-disclosure/ and a list of program banks at https://thread.bank/program-banks/. Please contact customerservice@thread.bank with questions on the sweep program. Pass-through insurance coverage is subject to conditions. 2 Total balances across Checking Accounts and Savings Accounts are used to calculate APY tier, but only money in Savings Accounts is eligible for interest. Rates are variable and are subject to change after account opening. An APY bonus is applied to accounts that collect rent via Baselane banking within the prior calendar month.

Screenshots

My SPS4 screens
Baselane4 screens

Verdict

The call

The clearest difference is review sentiment: Baselane at 84% against My SPS's 6%. Baselane also leads on rating (4.8 vs 2.0) and update cadence (every 10 days vs every 3 months). My SPS's advantage is monetization model (free vs free with in-app purchases). On price, ratings volume, ads and in-app purchases 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

Baselane holds the better App Store score, 4.8 against 2.0. Both are backed by a comparable volume of ratings — 329 and 773 respectively. Written reviews point the same way: 6% of My SPS's written reviews are positive against 84% of Baselane's.

UpkeepUpdate frequency

My SPS ships an update every 3 months, Baselane every 10 days. The most recent releases landed on November 2, 2026 and November 5, 2026 respectively.

Scorecard4 real differences · 6 level
My SPS versus Baselane: the parameters behind the verdict, then further details
ParameterMy SPSBaselane
PriceFreeFree
Rating2.0 (329 ratings)4.8 (773 ratings) — better
Positive reviews6.5% of reviews84.0% of reviews — better
Number of ratings329773 — better
Update frequencyEvery 3 monthsEvery 10 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPad, iPod — betteriPhone, iPad
Requires iOS15.6 — better16.4
Further details — not scored
Size31 MB121 MB
Age rating4+17+
DeveloperSelect Portfolio Servicing, Inc.Baselane

Customer experience

My SPS

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

Baselane

All ratings637 ratings
Positive94.2%
Neutral2.5%
Negative3.3%
Written reviews25 reviews
Positive84.0%
Neutral4.0%
Negative12.0%

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

Baselane

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

My SPS

No in-app purchases

None

Baselane

No in-app purchases

Questions

Is My SPS free?
My SPS is free to download, with no in-app purchases.
Is Baselane free?
Baselane is free to download, with no in-app purchases.
Which has better reviews, My SPS or Baselane?
Baselane is rated higher. My SPS averages 2.0 out of 5 from 329 ratings, while Baselane averages 4.8 from 773 ratings.
Do My SPS or Baselane have ads?
Neither My SPS nor Baselane shows ads.
Which is updated more often, My SPS or Baselane?
My SPS ships an update every 3 months, and Baselane every 10 days. Most recently, My SPS was updated on November 2, 2026 and Baselane on November 5, 2026.

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