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.

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) and currently holds an average rating of 4.1 out of 5 across 269 user reviews. It falls into the Purchase Mortgage category and tends to be the strongest fit 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 — 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 stated in the advertiser's own feed)

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 promotional offers change often, so we re-verify every listed number on a rolling schedule and stamp the review with the date of the most recent check.

How we reviewed it

For this review of Own Up, our editors funded an account, walked through the full onboarding flow, and compared the experience to the other products in the Purchase Mortgage shortlist. Scores are not influenced by affiliate relationships — partners cannot pay for better rankings, and our rubric is the same for every brand.

Similar products to compare

Read our full editorial methodology and advertiser disclosure for more on how we fund our testing and why that matters for the reviews you read here.