Mortgage Refinance review

Own Up review

Name: Own Up review
Item: Own Up
Rating: 8.3
Author: ChoosyOwl

Best for rate shopping

Free mortgage shopping service that compares refinance offers from participating lenders. Homeowners who want to compare refinance offers from several lenders before choosing one or negotiating with their current lender. We rank it #6 of 8 in our mortgage refinance comparison, with an editorial score of 8.3 out of 10.

Updated November 14, 2026By the ChoosyOwl editorial teamHow we rank

8.3/10

Our editorial score

Own Up scores highly on Quote experience because its site says it runs no hard credit checks to show offers and the service is free to use, and on Licensing and disclosure clarity because it states plainly that it is not a lender and is paid by the lenders that advertise with it. It scores lower on Refinance product range and Support and servicing because it does not make or service loans; your loan comes from the lender you choose.

How we score mortgage refinance

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Mortgage disclosure.

We are not a lender, a mortgage broker or a loan officer, and we do not make credit decisions or take loan applications. Rates, APRs, points, fees and loan terms are set by each lender and depend on your credit profile, income, home equity, loan amount, property type and state. Not every product is available in every state, and approval is never guaranteed.

Many lenders and comparison services let you see a rate quote or estimate with a soft credit inquiry, which does not affect your credit score. Submitting a full mortgage application typically triggers a hard credit inquiry, which may affect your credit score. Check each lender's disclosure to see which kind of inquiry it uses at each step.

Refinancing has closing costs, which can include origination charges, points, appraisal, title and recording fees. Some lenders let you roll costs into the loan or take a higher rate in exchange for lender credits, which means you pay them over time instead of upfront. Refinancing may increase the total finance charges you pay over the life of the loan. Compare the APR and the closing costs on each Loan Estimate, not just the interest rate.

Mortgage lenders and brokers must be licensed and are listed in the Nationwide Multistate Licensing System (NMLS). You can look up any company's NMLS ID and state licenses at nmlsconsumeraccess.org before you apply.

A mortgage, home equity loan or home equity line of credit is secured by your home. If you do not make the payments, you could lose your home to foreclosure.

Quick facts

Our rank#6 of 8

Best forBest for rate shopping

Company typeComparison service (not a lender)

Refinance optionsCompare rate-and-term and cash-out refinance offers

Rate quoteNo hard credit check to see offers (per site)

Facts checkedNovember 14, 2026

Details are general and can change. Check current plans, prices and terms on the Own Up site. See the Own Up company profile in our brand directory.

Overview

Own Up is a mortgage shopping and comparison service, not a lender. You share details about your refinance, review offers from participating lenders and their real-time rates, and then lock in with a lender or use the offers to negotiate with your current lender. Its site says the service is free to use and involves no hard credit checks; the lender you choose will run its own credit check when you apply.

Own Up says it arranges but does not make loans and is an advertising-supported comparison service that is paid by the lenders whose offers appear. It also offers a rate range tool and a cash-out refinance calculator.

The company is RateGravity Inc. d/b/a Own Up and lists NMLS #1450805 on its site.

Pros and cons

Pros

Lets you compare several lenders without multiple applications
Clear disclosure that it is not a lender and how it is paid
Useful leverage to negotiate with your current lender

Cons

Does not make or service loans
Offers depend on which lenders participate in your area
You still apply, and get a hard credit check, with the lender you choose

Key features

Compare refinance offers from participating lenders
No hard credit check to see offers (per site)
Free to use; paid by participating lenders
Rate range finder and cash-out refinance calculator
Home advisors who can help you compare

Who Own Up is for

A good fit if

Homeowners who want to compare refinance offers from several lenders before choosing one or negotiating with their current lender.

Look elsewhere if

Borrowers who want a single lender to handle everything from quote to servicing.

How we scored Own Up

Our mortgage refinance score weighs refinance product range (25%), rate and cost transparency (25%), quote experience (20%), licensing and disclosure clarity (15%), support and servicing (15%). See the methodology.

Own Up alternatives

#1
Rocket Mortgage
Best overall
Large online mortgage lender with published sample refinance rates, VA IRRRL and cash-out options.
- Rate-and-term and cash-out refinances
- VA streamline (IRRRL) and VA cash-out refinances
- FHA and jumbo refinance options
- Refinance estimate the site says has zero credit impact
9.2/10
Editorial score
Visit site (Rocket Mortgage, opens in a new tab) Read review Compare
#2
Better Mortgage
Best online experience
Online-first lender with a no-credit-impact refinance quote and published rate pages.
- Personalized refinance quote online with no credit impact (per site)
- Rate-and-term and cash-out refinances
- VA loans and home equity options
- Published refinance and cash-out rate pages
8.9/10
Editorial score
Visit site (Better Mortgage, opens in a new tab) Read review Compare
#3
New American Funding
Best for loan variety
Direct lender with FHA streamline, VA IRRRL, cash-out and non-QM options.
- FHA streamline refinance
- VA IRRRL and VA cash-out refinance
- Cash-out refinance and HELOC
- Non-QM and reverse mortgage options
8.8/10
Editorial score
Visit site (New American Funding, opens in a new tab) Read review Compare

Head-to-head

Own Up vs LendingTree

See all 8 mortgage refinance lenders compared

Own Up FAQ

Is Own Up a lender?

No. Own Up says it is not a lender or a bank; it arranges but does not make loans. Your loan is made by the participating lender you choose.

How does Own Up make money if it is free?

Own Up says it is an advertising-supported comparison service and receives compensation from the lenders whose offers appear on its site.

Will Own Up do a hard credit check?

Own Up's site says there are no hard credit checks to use its service. The lender you apply with will typically run a hard inquiry when you submit a full application.

Sources and fact check

We checked the facts on this page against Own Up's own website on November 14, 2026.