Comparison

United Security Loans vs Shellpoint

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

Head to head
About

United Security Loans

This app simplifies the home buying and lending process for homebuyers, homeowners, and real estate agents. It allows users to compare loan scenarios, calculate refinancing savings, and determine homeownership affordability. Users can also scan and upload documents, access contact information, and stay updated on industry news.

Highlights
  • Compare lending scenarios
  • Calculate refinancing savings
  • Determine homeownership affordability
  • Scan and upload documents
  • Access loan officer contact
  • Stay updated on industry news
Features
Read full description

United Security Financial commits to making the process of securing a home loan as easy as possible for you. To that end, we have developed the United Security Financial Mobile App as a tool to simplify the home buying and lending process. Whether you are a homebuyer looking to purchase a home, a current homeowner interested in refinancing, or a real estate agent hoping to speed up the process for your clients, the United Security Financial Lending, Mobile App has a feature to benefit you. Key Features: • Compare different lending scenarios using various loan programs to help determine which product is the best for you. • Calculate the possible savings (or cost) of refinancing your mortgage. • Determine if homeownership is an affordable option for you based on your current income and monthly expenses. • Scan in required documents on your phone and upload them quickly to expedite the loan approval process. • Easily access contact information for your Loan Officer and real estate agent and share this information with your family and friends. • Stay up-to-date on industry news and happenings that may impact your loan, like a change in mortgage interest rates.

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

United Security Loans4 screens
Shellpoint3 screens

Verdict

The call

The clearest difference is rating: Shellpoint at 4.9 against United Security Loans's 3.0. Shellpoint also leads on update cadence (every 5 weeks vs every 12 months) and ratings volume (17K vs 2). 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

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

Shellpoint holds the better App Store score, 4.9 against 3.0. That said, the two scores are not equally well evidenced: Shellpoint has 17K ratings behind it against 2, so its average is the more settled of the two.

UpkeepUpdate frequency

United Security Loans ships an update every 12 months, Shellpoint every 5 weeks. The most recent releases landed on October 20, 2026 and October 21, 2026 respectively.

Scorecard4 real differences · 6 level
United Security Loans versus Shellpoint: the parameters behind the verdict, then further details
ParameterUnited Security LoansShellpoint
PriceFreeFree
Rating3.0 (2 ratings)4.9 (17K ratings) — better
Positive reviews—54.5% of reviews
Number of ratings217K — better
Update frequencyEvery 12 monthsEvery 5 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS18.015.0 — better
Further details — not scored
Size96 MB73 MB
Age rating4+4+
DeveloperUnited Security Financial CorpNewrez LLC

Customer experience

United Security Loans

All ratings1 ratings
Positive0.0%
Neutral0.0%
Negative100.0%

Shellpoint

All ratings17,146 ratings
Positive98.1%
Neutral1.2%
Negative0.7%
Written reviews101 reviews
Positive54.5%
Neutral5.0%
Negative40.6%

Bugs and requests

United Security Loans

Not enough reviews yet to summarise bugs or requests.

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

United Security Loans

No in-app purchases

None

Shellpoint

No in-app purchases

Questions

Is United Security Loans free?
United Security Loans 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, United Security Loans or Shellpoint?
Shellpoint is rated higher. United Security Loans averages 3.0 out of 5 from 2 ratings, while Shellpoint averages 4.9 from 17K ratings.
Do United Security Loans or Shellpoint have ads?
Neither United Security Loans nor Shellpoint shows ads.
Which is updated more often, United Security Loans or Shellpoint?
United Security Loans ships an update every 12 months, and Shellpoint every 5 weeks. Most recently, United Security Loans was updated on October 20, 2026 and Shellpoint on October 21, 2026.

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