Comparison

Shellpoint vs Townsgate Servicing

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

Townsgate Servicing

Easily manage your home loan with 24/7 access to your account. Track payments, set up automatic payments, download statements, and manage escrow details. Get payment reminders and process refunds efficiently.

Highlights
  • Check loan balance
  • Track payments and activity
  • Set up automatic payments
  • Make one-time payments
  • Download statements
  • Manage escrow, tax, and insurance
  • Get payment reminders
  • Process refunds
Features
Read full description

Make it simple to manage your home loan, with everything you need at your fingertips. Enjoy complete convenience with 24/7 access to your account(s) and the ability to: - Check your current loan balance - Keep track of loan payments and activity at a glance - Set up automatic, recurring monthly payments or make a one-time payment - Download and view statements and documents, making it easy to go paperless - Get payment reminders - Manage escrow, tax and insurance - Get available refunds with eDisbursements - Make principal reduction and escrow shortage payments *App available in Spanish./App disponible en Español. PennyMac Loan Services, LLC, dba Townsgate Servicing: Publication Rules PennyMac Loan Services, LLC, dba Townsgate Servicing does not pay or otherwise provide compensation for reviews/comments. All reviews/comments are subject to the disclaimer provided prior to posting and become the property of PennyMac Loan Services, LLC, dba Townsgate Servicing once submitted. We reserve the right to validate, remove or republish your reviews/comments at any time. Equal Housing Opportunity, Townsgate Servicing, 3043 Townsgate Rd, Suite 200, Westlake Village, CA 91361, 818-224-7442. NMLS ID # 35953. For licensing information, go to: www.nmlsconsumeraccess.org. Arizona Mortgage Banker License # 0911088. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. Colorado office: 5500 South Quebec Street, Suite 260 Greenwood Village, CO 80111, (877) 215-2552. Massachusetts Mortgage Lender License # MC35953. Minnesota: This is not an offer to enter into an agreement and an offer may only be made pursuant to Minn. Stat. §47.206 (3) & (4). Licensed by the N.J. Department of Banking and Insurance. North Carolina Permit No. 119504607, 119505929, 119506567, 119506570, 119507419. Rhode Island Licensed Lender # 20092600LL, Loan Broker, and Third-Party Loan Servicer. Texas office: 2201 W. Plano Parkway, Suites 150 and 300, Plano, TX 75075. For more information, review state licenses and important notices. The information included in this communication is considered confidential and proprietary, and any unauthorized reproduction is prohibited. © 2025 Pennymac, Townsgate and all related marks are service marks of Private National Mortgage Acceptance Company, LLC and/or its subsidiaries or affiliates. Third-party content is the property of its respective owners. All rights reserved. (04-2025) No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this App. Townsgate Servicing does not operate in New York, Massachusetts or Alaska.

Screenshots

Shellpoint3 screens
Townsgate Servicing4 screens

Verdict

The call

The clearest difference is ratings volume: Shellpoint at 17K against Townsgate Servicing's 34. Shellpoint also leads on device support (3 vs 1). Townsgate Servicing's advantage is update cadence (fortnightly vs every 5 weeks). On price, rating, 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

On the App Store both sit at effectively the same score — 4.9 for Shellpoint against 4.8 for Townsgate Servicing. That said, the two scores are not equally well evidenced: Shellpoint has 17K ratings behind it against 34, so its average is the more settled of the two.

UpkeepUpdate frequency

Shellpoint ships an update every 5 weeks, Townsgate Servicing fortnightly. The most recent releases landed on October 21, 2026 and October 13, 2026 respectively.

Scorecard3 real differences · 7 level
Shellpoint versus Townsgate Servicing: the parameters behind the verdict, then further details
ParameterShellpointTownsgate Servicing
PriceFreeFree
Rating4.9 (17K ratings) — better4.8 (34 ratings)
Positive reviews54.5% of reviews—
Number of ratings17K — better34
Update frequencyEvery 5 weeksFortnightly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS15.0 — better16.6
Further details — not scored
Size73 MB66 MB
Age rating4+4+
DeveloperNewrez LLCPennyMac Loan Services, LLC

Customer experience

Shellpoint

All ratings17,146 ratings
Positive98.1%
Neutral1.2%
Negative0.7%
Written reviews101 reviews
Positive54.5%
Neutral5.0%
Negative40.6%

Townsgate Servicing

All ratings34 ratings
Positive94.1%
Neutral2.9%
Negative2.9%

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

Townsgate Servicing

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Shellpoint

No in-app purchases

None

Townsgate Servicing

No in-app purchases

Questions

Is Shellpoint free?
Shellpoint is free to download, with no in-app purchases.
Is Townsgate Servicing free?
Townsgate Servicing is free to download, with no in-app purchases.
Which has better reviews, Shellpoint or Townsgate Servicing?
Shellpoint is rated higher. Shellpoint averages 4.9 out of 5 from 17K ratings, while Townsgate Servicing averages 4.8 from 34 ratings.
Do Shellpoint or Townsgate Servicing have ads?
Neither Shellpoint nor Townsgate Servicing shows ads.
Which is updated more often, Shellpoint or Townsgate Servicing?
Shellpoint ships an update every 5 weeks, and Townsgate Servicing fortnightly. Most recently, Shellpoint was updated on October 21, 2026 and Townsgate Servicing on October 13, 2026.

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