Own Up vs LendingTree
Pick Own Up if you want a curated set of refinance offers, no hard credit check and help from an advisor without being handed to a crowd of lenders. Pick LendingTree if you want to see as many lenders as possible and do not mind follow-up from several of them. Neither is a lender.
Own Up
Best for rate shopping
LendingTree
Best for comparing many lendersOwn Up vs LendingTree at a glance
| Own Up | LendingTree | |
|---|---|---|
| Company type | Comparison service (not a lender) | Marketplace and licensed mortgage broker (not a lender) |
| Credit check to see offers | No hard credit check (per site) | No impact to your credit score (per site) |
| How it is paid | Compensation from lenders whose offers appear | Lead generator paid by lenders in its network |
| Other products | Purchase and refinance mortgages | Mortgages, home equity, personal loans, auto loans and more |
| Follow-up contact | Advisor-led shopping experience | You may hear from several lenders |
| NMLS ID | NMLS #1450805 | NMLS #1136 |
Which should you choose?
Pick Own Up if you want a focused list of refinance offers and advisor help, with less follow-up from multiple lenders.
Pick LendingTree if you want the widest set of lender offers and also want to compare home equity or other loans in one place.
How each service works
Own Up and LendingTree both let you compare refinance offers from several lenders before you apply, and neither makes loans. Own Up describes itself as a mortgage shopping service that arranges but does not make loans; you share your details, review offers from participating lenders with real-time rates, and then lock with a lender or use the offers to negotiate with your current one. LendingTree describes itself as a marketing lead generator and licensed mortgage broker; you fill in one form and lenders in its network respond with offers.
Credit checks
Both say you can see offers without hurting your credit. Own Up says it runs no hard credit checks, and LendingTree's refinance page says there is no impact to your credit score to see rates. Once you choose a lender and apply, that lender will typically run a hard inquiry.
How they are paid
Both are free to you and paid by lenders. Own Up says it is an advertising-supported comparison service that receives compensation from the lenders whose offers appear. LendingTree is paid by the lenders it refers you to. That is normal for comparison services, but it means you should always compare the actual Loan Estimates, not just the order in which offers are shown.
Contact and experience
The biggest practical difference is follow-up. With LendingTree, your request goes to lenders in its network, so you may get calls and emails from several of them. That can be useful if you want lenders to compete, and tiring if you do not. Own Up positions itself as a curated, advisor-led experience with less sales pressure.
Range
LendingTree covers more product types, including home equity loans, personal loans and auto loans, so it is handy if you are weighing a cash-out refinance against a home equity loan. Own Up focuses on purchase and refinance mortgages.
Bottom line
Use either one to benchmark offers, then get at least one quote directly from a lender as well. Pick Own Up for a calmer, curated process and LendingTree for the broadest reach.
Own Up vs LendingTree FAQ
Are Own Up and LendingTree lenders?
No. Both connect you with lenders. Own Up says it arranges but does not make loans, and LendingTree says it is not a lender.
Will I get calls after using LendingTree?
You may. LendingTree shares your request with lenders in its network, so more than one lender may contact you.