# Shellpoint vs Guild Mortgage

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.

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 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.

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

## The numbers

| Metric | Shellpoint | Guild Mortgage |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (17K ratings)](https://appshunter.io/ios/app/shellpoint/id6443957708/reviews)** | [2.3 (59 ratings)](https://appshunter.io/ios/app/guild-mortgage/id6737834526/reviews) |
| Number of ratings | **17K** | 59 |
| Positive reviews | **54.5% of reviews** | 24.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Monthly | Monthly |
| Monetization | Free | Free |
| Size | 73 MB | 56 MB |
| Requires iOS | **15.0** | 15.1 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 17+ |
| Developer | [Newrez LLC](https://appshunter.io/developer/1435999021) | [Guild Mortgage Company LLC](https://appshunter.io/developer/982680240) |

## 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- 🐛 Outdated and clunky interface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


### Guild Mortgage

[App page](https://appshunter.io/ios/app/guild-mortgage/id6737834526)

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked 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.

---

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