“nothing but ads in notifications — nothing but tons of spam and ads in notifications. i shouldn't have to even think to have to find where the option would be, if it exists, to turn off promo stuff. it shouldn't even exist out just don't…”
Independent automated assessment · 3 signal sources · 581 reviews scanned · analyzed 2026-10-05.
4.9 ★224,881 ratings
—Downloads
4+Age rating
203 MBApp size
FreeIn-app purchases
About this app
Bilt helps you transform your largest monthly expense—rent—into valuable rewards and unlock exclusive Neighborhood Benefits™. With Bilt, you can earn points on rent payments, build credit history, and unlock a world of rewards from travel to everyday redemptions.
EARN REWARDS ON RENT Earn rewards on your largest monthly expense–rent. With every on-time rent payment, you'll earn Bilt Points – the industry's most valuable and flexible points currency. Plus, build credit history by automatically reporting your rent payments to all three major credit bureaus for free.
ACCESS NEIGHBORHOOD BENEFITS™ Get even more at your favorite spots with exclusive Neighborhood Benefits™ at local restaurants, fitness studios, pharmacies, on Lyft rides, and more. Use any linked card with our neighborhood partners to stack Bilt Points, in addition to your usual card rewards.…
Preview
Real screenshots from the store listing.
Independent evidence report
Evidence and review signals
This is where the page changes from an app-store listing into an evidence report: findings, important reviews, pricing and a dated history.
Which version this describes
When we ran this analysis, and what the store lists now.
This analysis describes version 4.182.0 of the app, analyzed 2026-10-05 . The app may have changed since.
The store currently lists version 4.182.0, updated 2026-09-27.
What we measured
Each line is a measurement published as a measurement, never a verdict.
Each line is a measurement, published as a measurement. Where we have not looked, the line says so rather than reading as a zero.
Developer replies to reviews
Replies to fewer than 1 review in 20
Price in the store description
States no price and billing period
Cancelling, in the store description
Does not say how to cancel
Themes reported by reviewers
2 themes reported
Counted from the reviews we have read for this app. "No theme reported" means no theme reached our reporting threshold — it is not a finding that nothing is wrong with this app, and we do not say it is.
Five-star share of ratings
90% or more five-star
Arithmetic on the stores' own published rating counts. It says nothing about why the ratings fall where they do.
In the package we scanned
No package has been scanned for this app, so nothing is published about what it ships. That is an absence of evidence about the app, not a finding about it.
Graded bands · predicate set 1.4 · how these are measured
What the analysis found
App-specific findings, grouped by what each one rests on. How they are graded lives on its own page.
One source only — shown, not confirmed 2
A single kind of evidence. We publish these because withholding them would be the bigger distortion, and we do not treat any of them as a finding we stand behind.
Reported by users: Aggressive ad load
Advertising volume or placement that interrupts normal use: ads between every action, unskippable or forced full-screen ads.
What we saw: Aggressive ad load: raised by 6 distinct reviewers (1.0% of 581 reviews scanned)
Reported by users: Tracking and data collection concerns
The app ships session-recording or a wide tracking stack, holds permissions that read personal data, or is reported by users to sell, leak or over-collect it. The evidence line says which of those was observed.
What we saw: Data & privacy concerns: raised by 5 distinct reviewers (0.9% of 581 reviews scanned)
Highlighted reviews
Representative public review excerpts shown as user reports, not Appworthy audit evidence.
“Horrible App — This is the worst servicing app I’ve ever seen! Nothing but ads. Total garbage! I just want to access my mortgage! I’m furious I am being forced to use this terrible platform.”
“App Sucks — Cannot add mortgages. No option to bypass and pay through lender website. Clumsy interface, nothing but adds. I refuse to use it.”
Assessment & version history
App changes and Appworthy events in one timeline.
Store listing updated to version 4.182.0.
What this app sells
Useful store-disclosed pricing, kept below the app listing.
Business modelFree
Prices and terms as disclosed by the store listing.