Comparison

Cenlar Mobile™ vs Shellpoint

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Cenlar Mobile™

Manage your home loan conveniently and securely from your mobile device. Make payments, check balances, view statements, and sign up for automatic payments. Utilize calculators to explore interest savings and faster payoff options.

Highlights
  • Make mortgage payments
  • Check account balance
  • View statements
  • Sign up for automatic payments
  • Mortgage payoff calculators
  • View escrow details
Read full description

Cenlar Mobile™ Manage your mortgage on the go. Description and benefits: Cenlar Mobile™ , a convenient and secure way to manage your home loan right from your phone. Easily make a payment, check account balance, see when taxes were paid, view a statement or sign up for automatic payments. The new app has functionality similar to the website. Use our calculators to determine how to save interest and pay off your mortgage sooner. What you can do on Cenlar Mobile™ : • Stay current on your mortgage details and outstanding balance • Make a payment and view payment status • Enroll in AutoPay and view scheduled payments on your mortgage • Calculate changes to PMI based on projected changes to your loan • View details on escrow, taxes and insurance • Calculate the impact of making additional payments on interest cost savings and earlier loan pay off • View the Learning Center to see frequently asked topics and questions How to access: • Complete the secure registration on Cenlar Mobile™ if you have not previously registered on our app or website • Use thumbprint or facial recognition for subsequent login We are listening and will continue to make improvements. Here’s What’s New – o Redesigned and more intuitive user experience o Enhancements to the Payment History screen to display reversed payments o Enhanced messaging for when the app is down for maintenance o Ability to display full loan number o Ability to submit a secure message with one attachment (PDF, PNG, JPEG) Please note you will need [iOS version 13.0] or greater.

About

Shellpoint

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
Read full description

Shellpoint: Easily manage your mortgage online with the Shellpoint app. All in the palm of your hand you can view account details, select payment options, access important documents, and more! Download the Shellpoint app to: - View a snapshot of your current loan, including account details, recent activity, and payment info. - Make a one-time payment, view pending payments, or schedule recurring payments. - Access statements and documents. Who is Shellpoint Mortgage Servicing? Shellpoint Mortgage Servicing manages (or “services”) mortgage loans after mortgage lenders originate them. On behalf of lenders and investor clients, Shellpoint Mortgage Servicing accepts and processes mortgage payments from more than 1.7 million homeowners nationwide. In recent years the company has grown to become America’s 5th-largest non-bank mortgage servicer, with over 2,500 employees based out of offices in Florida, South Carolina, Texas, and Arizona.

Screenshots

Cenlar Mobile™4 screens
Shellpoint3 screens

Verdict

The call

The clearest difference is update cadence: Shellpoint at monthly against Cenlar Mobile™'s every 3 months. Shellpoint also leads on review sentiment (55% vs 46%) and device support (3 vs 1). On price, rating, ratings volume and ads 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

On the App Store both sit at effectively the same score — 4.9 for Cenlar Mobile™ against 4.9 for Shellpoint. Both are backed by a comparable volume of ratings — 16K and 17K respectively. Written reviews are what separate them: 46% of Cenlar Mobile™'s written reviews are positive against 55% of Shellpoint's.

UpkeepUpdate frequency

Cenlar Mobile™ ships an update every 3 months, Shellpoint monthly. The most recent releases landed on September 24, 2026 and September 23, 2026 respectively.

Scorecard4 real differences · 6 level
Cenlar Mobile™ versus Shellpoint: the parameters behind the verdict, then further details
ParameterCenlar Mobile™Shellpoint
PriceFreeFree
Rating4.9 (16K ratings)4.9 (17K ratings)
Positive reviews45.5% of reviews55.0% of reviews — better
Number of ratings16K17K — better
Update frequencyEvery 3 monthsMonthly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhoneiPhone, iPad, iPod — better
Requires iOS17.015.0 — better
Further details — not scored
Size107 MB73 MB
Age rating4+4+
DeveloperCenlarNewrez LLC

Customer experience

Cenlar Mobile™

All ratings16,232 ratings
Positive97.0%
Neutral1.3%
Negative1.7%
Written reviews123 reviews
Positive45.5%
Neutral8.1%
Negative46.3%

Shellpoint

All ratings17,141 ratings
Positive98.1%
Neutral1.2%
Negative0.7%
Written reviews100 reviews
Positive55.0%
Neutral5.0%
Negative40.0%

User reviews

Cenlar Mobile™

From 16K App Store ratings

What we love

  • 👍 User-friendly app
  • 💡 Helpful calculators and tools
  • 🚀 Easy to make payments
  • 👍 Convenient and organized
  • 👍 Excellent customer service

Room to improve

  • 🐛 Login and registration issues
  • 🐛 Payment scheduling problems
  • 🐛 Lack of communication and transparency
  • 🐛 Incompatibility with other apps
  • 🐛 Outdated and buggy features

Shellpoint

From 17K App Store ratings

What we love

  • 👍 Easy to use
  • 👍 Straightforward payment process
  • 👍 Convenient payment history
  • 👍 Smooth system
  • 👍 Easy payment service

Room to improve

  • 🐛 App crashes or doesn't load
  • 🐛 Outdated and clunky interface
  • 🐛 Slow performance
  • 🐛 Lack of modern features
  • 🐛 Unreliable customer service

Bugs and requests

Cenlar Mobile™

Reported bugs

5 issues
  • App not working on iPad
  • Notifications not functioning properly
  • Inability to contact customer service
  • Inconsistent app behavior and errors
  • Syncing issues with online account

Requested features

5 requests
  • Ability to upload photos from mobile device
  • Improved navigation and information accessibility
  • Better integration with budgeting/money management apps
  • Faster payment processing and confirmation
  • More frequent escrow analysis updates

Shellpoint

Reported bugs

3 issues
  • Unable to access loan information
  • Keyboard not working in app
  • Login issues, unable to log in

Requested features

4 requests
  • Ability to set up and save multiple accounts
  • Push notifications for due dates
  • Clearer payment history breakdown
  • Partial payment option

In-app purchases

None

Cenlar Mobile™

No in-app purchases

None

Shellpoint

No in-app purchases

Questions

Is Cenlar Mobile™ free?
Cenlar Mobile™ 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, Cenlar Mobile™ or Shellpoint?
Cenlar Mobile™ and Shellpoint are both rated 4.9 out of 5 on the App Store, from 16K and 17K ratings respectively.
Do Cenlar Mobile™ or Shellpoint have ads?
Neither Cenlar Mobile™ nor Shellpoint shows ads.
Which is updated more often, Cenlar Mobile™ or Shellpoint?
Cenlar Mobile™ ships an update every 3 months, and Shellpoint monthly. Most recently, Cenlar Mobile™ was updated on September 24, 2026 and Shellpoint on September 23, 2026.

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