Comparison

Shellpoint vs Guild Mortgage

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
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.

About

Guild Mortgage

Manage your entire mortgage journey from application to homeownership. Calculate payments, track loan progress, make payments, and access statements all in one place.

Highlights
  • All-in-one mortgage dashboard
  • Easy payment management
  • Loan and escrow balance tracking
  • Application progress tracking
  • Document sharing and downloading
  • Mortgage payment calculator
  • Closing checklist
Features
Read full description

From calculating your monthly mortgage payment and applying for a mortgage to making payments, viewing statements, and managing escrow, we’re delivering the promise of home through a single app built to simplify both home financing and homeownership. Welcome to your personalized mortgage hub. Favorite features: ·  All-in-one dashboard: Access your mortgage details, home financing application, and personalized offers from a single, streamlined dashboard. ·  Easy payment management: Enroll in AutoPay, make one-time or additional principal payments, and review payment activity on the go. ·  Manage your loan: Access monthly statements, view real-time loan and escrow balances, and get financial hardship assistance when needed. ·  Stay on top of your application: Apply to purchase or refinance, connect with your loan officer, track progress, and manage documents from your phone. ·  Share documents: Upload documents requested by your loan team direct from your phone. ·  Document download: Click and download your pre-approval letter and loan scenarios. ·  Closing checklist: Know exactly where you’re at, with each step needed to get your new keys. ·  Mortgage payment calculator: Estimate your monthly mortgage payments based on a home’s purchase price, interest rate, down payment amount and more. ·  Update Contacts and Preferences: Keep your contact details current and manage your communication preferences in just a few taps. Who says getting and managing a mortgage has to be hard? Download our app and experience mortgage made easy Guild Mortgage Company; Equal Housing Opportunity; AZ BK #0018883; Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act; MA Mortgage Lender License #MC3274; MA Mortgage Broker License #MC3274; Licensed by the Mississippi Department of Banking and Consumer Finance; Licensed by the N.J. Department of Banking and Insurance; NV Mortgage Company #1141; OR ML-176; Rhode Island Licensed Lender; Rhode Island Licensed Third-Party Loan Servicer; Company NMLS ID 3274. For licensing information, go to: www.nmlsconsumeraccess.org/. All loans subject to underwriter approval. Terms and conditions apply, subject to change without notice. Guild Mortgage Company is an Equal Opportunity Employer. Guild Mortgage Company 5887 Copley Drive, Floors 1, 3, 4, 5, 6, San Diego, CA 92111; For more licensing information, please visit www.guildmortgage.com/licensing .

Screenshots

Shellpoint3 screens
Guild Mortgage4 screens

Verdict

The call

The clearest difference is rating: Shellpoint at 4.9 against Guild Mortgage's 2.3. Shellpoint also leads on review sentiment (54% vs 24%) and ratings volume (17K vs 59). On price, update cadence, ads and in-app purchases 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

Shellpoint holds the better App Store score, 4.9 against 2.3. That said, the two scores are not equally well evidenced: Shellpoint has 17K ratings behind it against 59, so its average is the more settled of the two. Written reviews point the same way: 54% of Shellpoint's written reviews are positive against 24% of Guild Mortgage's.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly monthly. The most recent releases landed on October 15, 2026 and October 9, 2026 respectively.

Scorecard3 real differences · 7 level
Shellpoint versus Guild Mortgage: the parameters behind the verdict, then further details
ParameterShellpointGuild Mortgage
PriceFreeFree
Rating4.9 (17K ratings) — better2.3 (59 ratings)
Positive reviews54.5% of reviews — better24.0% of reviews
Number of ratings17K — better59
Update frequencyMonthlyMonthly
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS15.0 — better15.1
Further details — not scored
Size73 MB56 MB
Age rating4+17+
DeveloperNewrez LLCGuild Mortgage Company LLC

Customer experience

Shellpoint

All ratings17,141 ratings
Positive98.1%
Neutral1.2%
Negative0.7%
Written reviews101 reviews
Positive54.5%
Neutral5.0%
Negative40.6%

Guild Mortgage

All ratings59 ratings
Positive30.5%
Neutral3.4%
Negative66.1%
Written reviews75 reviews
Positive24.0%
Neutral6.7%
Negative69.3%

Bugs and requests

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

Guild Mortgage

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Shellpoint

No in-app purchases

None

Guild Mortgage

No in-app purchases

Questions

Is Shellpoint free?
Shellpoint is free to download, with no in-app purchases.
Is Guild Mortgage free?
Guild Mortgage is free to download, with no in-app purchases.
Which has better reviews, Shellpoint or Guild Mortgage?
Shellpoint is rated higher. Shellpoint averages 4.9 out of 5 from 17K ratings, while Guild Mortgage averages 2.3 from 59 ratings.
Do Shellpoint or Guild Mortgage have ads?
Neither Shellpoint nor Guild Mortgage shows ads.
Which is updated more often, Shellpoint or Guild Mortgage?
Shellpoint ships an update monthly, and Guild Mortgage monthly. Most recently, Shellpoint was updated on October 15, 2026 and Guild Mortgage on October 9, 2026.

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