# Provident Funding vs Shellpoint

The clearest difference is update cadence: Shellpoint at monthly against Provident Funding's every 10 months. Shellpoint also leads on rating (4.9 vs 4.7) and ratings volume (17K vs 1.3K). Provident Funding's advantage is review sentiment (65% vs 54%). 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 4.7. That said, the two scores are not equally well evidenced: Shellpoint has 17K ratings behind it against 1.3K, so its average is the more settled of the two. Written reviews complicate that: 65% of Provident Funding's written reviews are positive against 54% of Shellpoint's, so the app with the better star average is not the one people write more warmly about.

Provident Funding ships an update every 10 months, Shellpoint monthly. The most recent releases landed on October 13, 2026 and October 15, 2026 respectively.

## The numbers

| Metric | Provident Funding | Shellpoint |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.7 (1.3K ratings)](https://appshunter.io/ios/app/provident-funding/id605817443/reviews) | **[4.9 (17K ratings)](https://appshunter.io/ios/app/shellpoint/id6443957708/reviews)** |
| Number of ratings | 1.3K | **17K** |
| Positive reviews | **64.9% of reviews** | 54.5% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 10 months | **Monthly** |
| Monetization | Free | Free |
| Size | 7 MB | 73 MB |
| Requires iOS | 15.0 | 15.0 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Provident Funding Associates, L.P.](https://appshunter.io/developer/554192304) | [Newrez LLC](https://appshunter.io/developer/1435999021) |

## What reviewers say

### Provident Funding

[App page](https://appshunter.io/ios/app/provident-funding/id605817443)

Manage your mortgage, check rates, and apply for new loans directly from your mobile device. Securely access account information, payment history, and set up automatic payments.

**Highlights:** View mortgage rates, Manage account information, Check payment history, Make loan payments, Apply for new loans, Amortization details and calculator

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

**In-app purchases:** none

**What reviewers like**

- 🚀 Great App and Good Service
- 🚀 Amazing app
- 🚀 Makes everything EASY
- 🚀 Great app!
- 🚀 Great app

**What reviewers complain about**

- 🐛 Does the basics.
- 🐛 Lack of payment options
- 🐛 No Bi-Monthly Payment.
- 🐛 Not flexible
- 🐛 WAS fine. Not now

**Reported bugs**

- Endless Face ID loop
- Crashes when saving documents
- Incompatible with older devices
- Login screen freezes

**Requested features**

- Bi-monthly payment option
- Landscape mode support
- Mortgage calculator
- Face ID/Touch ID support
- Dark mode


### 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 Provident Funding free?

Provident Funding 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, Provident Funding or Shellpoint?

Shellpoint is rated higher. Provident Funding averages 4.7 out of 5 from 1.3K ratings, while Shellpoint averages 4.9 from 17K ratings.

### Do Provident Funding or Shellpoint have ads?

Neither Provident Funding nor Shellpoint shows ads.

### Which is updated more often, Provident Funding or Shellpoint?

Provident Funding ships an update every 10 months, and Shellpoint monthly. Most recently, Provident Funding was updated on October 13, 2026 and Shellpoint on October 15, 2026.

---

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