# My UWM Loan vs Shellpoint

The clearest difference is review sentiment: Shellpoint at 55% against My UWM Loan's 12%. Shellpoint also leads on rating (4.9 vs 1.5) and ratings volume (17K vs 607). On price, update cadence, ads and in-app purchases there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

Shellpoint holds the better App Store score, 4.9 against 1.5. That said, the two scores are not equally well evidenced: Shellpoint has 17K ratings behind it against 607, so its average is the more settled of the two. Written reviews point the same way: 12% of My UWM Loan's written reviews are positive against 55% of Shellpoint's.

Both ship on a similar rhythm, roughly monthly. The most recent releases landed on September 20, 2026 and October 1, 2026 respectively.

## The numbers

| Metric | My UWM Loan | Shellpoint |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [1.5 (607 ratings)](https://appshunter.io/ios/app/my-uwm-loan/id1563932432/reviews) | **[4.9 (17K ratings)](https://appshunter.io/ios/app/shellpoint/id6443957708/reviews)** |
| Number of ratings | 607 | **17K** |
| Positive reviews | 11.8% of reviews | **55.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Monthly | Monthly |
| Monetization | Free | Free |
| Size | 16 MB | 73 MB |
| Requires iOS | 16.0 | **15.0** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [United Wholesale Mortgage, LLC](https://appshunter.io/developer/796646447) | [Newrez LLC](https://appshunter.io/developer/1435999021) |

## What reviewers say

### My UWM Loan

[App page](https://appshunter.io/ios/app/my-uwm-loan/id1563932432)

Manage your home loan conveniently online. View account details, access important documents, and make mortgage payments from anywhere. This app simplifies loan management with features like recurring payments and payment history tracking.

**Highlights:** Make mortgage payments, Set up recurring payments, View payment history, Check escrow balance, Access statements, Update contact information

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Smooth and fast
- 👍 User-friendly interface
- 🔒 Secure login process
- 💡 Helpful tools to manage loan

**What reviewers complain about**

- 🐛 Frequent crashes and bugs
- 🔑 Difficult login process
- 📵 App not working for many users
- 🤖 Poor customer support
- 💤 Lack of app functionality

**Reported bugs**

- Recaptcha issues preventing login
- App redirecting to blank screens
- Inconsistent behavior across devices
- Inability to access loan information

**Requested features**

- Biometric login support
- Ability to save payment methods
- Improved navigation and UI
- Seamless integration with website


### Shellpoint

[App page](https://appshunter.io/ios/app/shellpoint/id6443957708)

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

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

**Reported bugs**

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

**Requested features**

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


## Frequently asked questions

### Is My UWM Loan free?

My UWM Loan 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, My UWM Loan or Shellpoint?

Shellpoint is rated higher. My UWM Loan averages 1.5 out of 5 from 607 ratings, while Shellpoint averages 4.9 from 17K ratings.

### Do My UWM Loan or Shellpoint have ads?

Neither My UWM Loan nor Shellpoint shows ads.

### Which is updated more often, My UWM Loan or Shellpoint?

My UWM Loan ships an update monthly, and Shellpoint monthly. Most recently, My UWM Loan was updated on September 20, 2026 and Shellpoint on October 1, 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.*