Own Up Review

An advisory service that shops lenders for you, paid by the lender rather than by you. Independent Own Up review: 4.1/5 for purchase mortgage.

By Michael Hewitt, Founder & Editor-in-Chief. Rates last checked September 9, 2026.

Our verdict

If you want lender offers compared without a hard credit pull, Own Up shops them for you with no fee to the borrower, paid by the lender. That pay is a conflict, however disclosed, and the lender you end up with is decided later. Two lifetime CFPB complaints reflect small volume as much as good conduct, so ask which lenders pay and how much.

Skip it if you want to pick the lender yourself from the start, or lender-paid advice bothers you.

About Own Up

An advisory service that shops lenders for you, paid by the lender rather than by you. Own Up is offered by Own Up Holdings, Inc. (NMLS #1450805). Our editorial rating is 4.1 out of 5.

Best for: Borrowers who want offers compared without a hard pull on their credit.

Editorial grade: B+ (composite score 79/100).

Highlights

A broker and advisory service, not a lender: Own Up does not fund the loan, it places it
2 CFPB complaints all-time, 1 in the last three years. That is the record of a very small operation, not a vindicated large one
States no hard credit check to get compared offers
Trustpilot 4.9/5 across 269 reviews (as the company states it)

What we like

Essentially no complaint record, and no enforcement history
A soft credit pull to compare means shopping costs nothing on your file
An advisor who is not the lender has less reason to steer you to one product
Free to the borrower; compensation comes from the lender side

Where it falls short

It is a broker, so the lender you end up with (and their servicing record) is decided later and is not on this page
Two lifetime complaints reflects small volume as much as good conduct; there is not enough record to lean on
"Save up to $28,000" is a marketing figure over a full loan term, not a quote

Fees, minimums, and rates

Monthly fee: No fee to the borrower; compensated by the lender. Minimum to open: Not stated. Rates and fees last checked on September 9, 2026.

How we reviewed it

This is a desk review: we have not opened an account with Own Up Holdings, Inc. (NMLS #1450805). It is built from Own Up Holdings, Inc. (NMLS #1450805)'s published rates, fee schedule and terms and from the public complaint record, and compared with the other products in the Purchase Mortgage shortlist. The rubric is the same for every brand.

Similar products to compare

Read our full editorial methodology for how we review products.