# loanDepot Mobile vs Shellpoint

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.

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

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.

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

## The numbers

| Metric | loanDepot Mobile | Shellpoint |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.9 (4.6K ratings)](https://appshunter.io/ios/app/loandepot-mobile/id1600224229/reviews) | [4.9 (17K ratings)](https://appshunter.io/ios/app/shellpoint/id6443957708/reviews) |
| Number of ratings | 4.6K | **17K** |
| Positive reviews | **70.5% of reviews** | 55.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 3 weeks** | Monthly |
| Monetization | Free with in-app purchases | **Free** |
| Size | 41 MB | 73 MB |
| Requires iOS | 15.0 | 15.0 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [loanDepot.com, LLC](https://appshunter.io/developer/1610636511) | [Newrez LLC](https://appshunter.io/developer/1435999021) |

## What reviewers say

### loanDepot Mobile

[App page](https://appshunter.io/ios/app/loandepot-mobile/id1600224229)

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:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

- 🐛 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

**Reported bugs**

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

**Requested features**

- 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

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