# Shellpoint vs Onity Mortgage

Shellpoint and Onity Mortgage both sit at 4.9 stars, but that hides the real split: 54% of Shellpoint's written reviews are positive against 31% of Onity Mortgage's. Shellpoint also leads on update cadence (every 5 weeks vs every 5 months) and device support (3 vs 1). On price, rating, ratings volume 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 Shellpoint against 4.8 for Onity Mortgage. Both are backed by a comparable volume of ratings — 17K and 8.4K respectively. Written reviews are what separate them: 54% of Shellpoint's written reviews are positive against 31% of Onity Mortgage's.

Shellpoint ships an update every 5 weeks, Onity Mortgage every 5 months. Both last shipped on October 29, 2026.

## The numbers

| Metric | Shellpoint | Onity Mortgage |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (17K ratings)](https://appshunter.io/ios/app/shellpoint/id6443957708/reviews)** | [4.8 (8.4K ratings)](https://appshunter.io/ios/app/onity-mortgage/id6670217643/reviews) |
| Number of ratings | **17K** | 8.4K |
| Positive reviews | **54.5% of reviews** | 31.3% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 5 weeks** | Every 5 months |
| Monetization | Free | Free |
| Size | 73 MB | 125 MB |
| Requires iOS | **15.0** | 17.0 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Newrez LLC](https://appshunter.io/developer/1435999021) | [Onity Mortgage Corporation](https://appshunter.io/developer/1532108949) |

## What reviewers say

### 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- 🐛 Outdated and clunky interface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


### Onity Mortgage

[App page](https://appshunter.io/ios/app/onity-mortgage/id6670217643)

Manage your mortgage account conveniently from your mobile device. Access account details, make payments, view statements, and explore home and neighborhood insights.

**Highlights:** Simple sign-in, Fast and easy payments, Autopay enrollment, Document access (statements, escrow, tax, insurance), Home and neighborhood insights, Estimated property values

**In-app purchases:** none


## Frequently asked questions

### Is Shellpoint free?

Shellpoint is free to download, with no in-app purchases.

### Is Onity Mortgage free?

Onity Mortgage is free to download, with no in-app purchases.

### Which has better reviews, Shellpoint or Onity Mortgage?

Shellpoint is rated higher. Shellpoint averages 4.9 out of 5 from 17K ratings, while Onity Mortgage averages 4.8 from 8.4K ratings.

### Do Shellpoint or Onity Mortgage have ads?

Neither Shellpoint nor Onity Mortgage shows ads.

### Which is updated more often, Shellpoint or Onity Mortgage?

Shellpoint ships an update every 5 weeks, and Onity Mortgage every 5 months. Most recently, Shellpoint was updated on October 29, 2026 and Onity Mortgage on October 29, 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.*