Comparison

loanDepot 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

loanDepot Mobile

Manage your mortgage payments, view loan balances, and access important documents securely. Set up autopay, track payment history, and go paperless with convenient alerts and statement access.

Highlights
  • Make and schedule mortgage payments
  • Set up automatic payments
  • View payment history and status
  • Track loan balances and escrow
  • Access loan documents and statements
  • Manage linked bank accounts
  • Configure account alerts
Features
Read full description

MAKE PAYMENTS AND SET UP AUTOPAY* • Make fast, easy and secure payments with just a few taps • Schedule automated payments for on-time payments • Check payment history and status of pending payments • Securely manage payment bank accounts KEEP TRACK OF YOUR LOAN • Easily view your account standing • Access your loan documents • Monitor your principal and escrow balances • View interest and total amounts due • Link multiple loans, if necessary GO PAPERLESS • Access statements and documents through the app • Configure alerts for important account notifications *AUTOPAY is not available on HELOC loans. Disclaimer: Equal Housing Opportunity, loanDepot.com, LLC. All rights reserved. NMLS ID# 174457 (http://www.nmlsconsumeraccess.org). For more licensing information, please visit loanDepot.com/licensing. For privacy information, please visit loandepot.com/privacypolicy. For terms of use information, please visit loandepot.com/termsofuse

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

loanDepot Mobile4 screens
Shellpoint3 screens

Verdict

The call

The clearest difference is monetization model: Shellpoint at free against loanDepot Mobile's free with in-app purchases. Shellpoint also leads on ratings volume (17K vs 4.6K). loanDepot Mobile's advantage is review sentiment (70% vs 55%). On price, rating, update cadence 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 loanDepot Mobile against 4.9 for Shellpoint. Both are backed by a comparable volume of ratings — 4.6K and 17K respectively. Written reviews are what separate them: 70% of loanDepot Mobile's written reviews are positive against 55% of Shellpoint's.

UpkeepUpdate frequency

loanDepot Mobile ships an update every 3 weeks, Shellpoint monthly. The most recent releases landed on September 26, 2026 and September 27, 2026 respectively.

Scorecard3 real differences · 7 level
loanDepot Mobile versus Shellpoint: the parameters behind the verdict, then further details
ParameterloanDepot MobileShellpoint
PriceFreeFree
Rating4.9 (4.6K ratings)4.9 (17K ratings)
Positive reviews70.5% of reviews — better55.0% of reviews
Number of ratings4.6K17K — better
Update frequencyEvery 3 weeks — betterMonthly
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS15.015.0
Further details — not scored
Size41 MB73 MB
Age rating4+4+
DeveloperloanDepot.com, LLCNewrez LLC

Customer experience

loanDepot Mobile

All ratings4,642 ratings
Positive97.9%
Neutral0.8%
Negative1.3%
Written reviews105 reviews
Positive70.5%
Neutral3.8%
Negative25.7%

Shellpoint

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

User reviews

loanDepot Mobile

From 4.6K App Store ratings

What we love

  • 👍 Easy to make payments
  • 👍 Convenient to view loan details
  • 👍 User-friendly app
  • 👍 Stable and no apparent bugs
  • 👍 Helpful customer service

Room to improve

  • 🐛 App freezes or doesn't function properly
  • 🐛 Unable to make payments through the app
  • 🐛 Inability to link loan account
  • 🐛 Inconsistent login credentials between app and website
  • 🐛 Lack of auto-pay or bi-weekly payment options

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

loanDepot Mobile

Reported bugs

3 issues
  • App constantly freezes when trying to make payments
  • App doesn't recognize login credentials
  • Unable to link loan account to the app

Requested features

4 requests
  • Allow principal-only payments to be queued
  • Bring more website functions to the app
  • Add ability to see current property value
  • Implement auto-pay and bi-weekly payment options

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

loanDepot Mobile

No in-app purchases

None

Shellpoint

No in-app purchases

Questions

Is loanDepot Mobile free?
loanDepot 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, loanDepot Mobile or Shellpoint?
loanDepot Mobile and Shellpoint are both rated 4.9 out of 5 on the App Store, from 4.6K and 17K ratings respectively.
Do loanDepot Mobile or Shellpoint have ads?
Neither loanDepot Mobile nor Shellpoint shows ads.
Which is updated more often, loanDepot Mobile or Shellpoint?
loanDepot Mobile ships an update every 3 weeks, and Shellpoint monthly. Most recently, loanDepot Mobile was updated on September 26, 2026 and Shellpoint on September 27, 2026.

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