# United Security Loans vs Shellpoint

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.

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 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.

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.

## The numbers

| Metric | United Security Loans | Shellpoint |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.0 (2 ratings)](https://appshunter.io/ios/app/united-security-loans/id1586154228/reviews) | **[4.9 (17K ratings)](https://appshunter.io/ios/app/shellpoint/id6443957708/reviews)** |
| Number of ratings | 2 | **17K** |
| Positive reviews | — | 54.5% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 12 months | **Every 5 weeks** |
| Monetization | Free | Free |
| Size | 96 MB | 73 MB |
| Requires iOS | 18.0 | **15.0** |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [United Security Financial Corp](https://appshunter.io/developer/1586154230) | [Newrez LLC](https://appshunter.io/developer/1435999021) |

## What reviewers say

### United Security Loans

[App page](https://appshunter.io/ios/app/united-security-loans/id1586154228)

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:** macOS Compatibility

**In-app purchases:** none


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