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Own Up state disclosures

RateGravity, Inc.(d.b.a. Own Up.) is not a lender, but retains certain mortgage broker licenses to comply with various state requirements. Please see a summary of our current licensure below.


Alabama Mortgage Brokers
License #23141


Alaska Mortgage Broker/Lender
License No. AK1450805


Licensed by the Arizona Department of Insurance and Financial Institutions
License No. MB-1021912


Arkansas Security Department
Mortgage Broker License #128339


California Department of Real Estate, Real Estate Corporation
License Endorsement #02134434


Mortgage Company Registration, Regulated by the Division of Real Estate
License No. 1450805


Licensed as a Mortgage Broker, Department of Banking
License No. MB-1450805


Delaware Broker License # 037098

District of Columbia

Licensed by the District of Columbia Department of Insurance, Securities and Banking
License No. MLB1450805


Licensed as a Mortgage Broker by the Office of Financial Regulation
License No. MBR2922


Georgia Residential Mortgage Licensee
Licensed as a Mortgage Broker/Processor by the Department of Banking and Finance
No. 67042


Idaho Department of Finance
Mortgage Broker/Lending License MBL-2081450805


Illinois Residential Mortgage
License No. MB.6761609


SOS Loan Broker
License No. 1450805


Iowa Division of Banking
Broker License #2022-0062


Kansas Office of the State Bank Commissioner
Mortgage Company License #MC.0025790


Kentucky Department of Financial Institutions
Mortgage Broker License #MB785601


Louisiana Office Of Financial Institutions
Residential Mortgage Lending License


Licensed as a Loan Broker by the Bureau of Consumer Credit Protection
License No. 1450805


Licensed by the Maryland of Labor, Office of the Commissioner of Financial Regulation
License No. 06-25073


Mortgage Broker
License No. MB1450805


Department of Insurance and Financial Services 1st Mortgage Broker License
License No. FL0022270


Licensed by the Commerce Department Financial Institutions Division
Residential Mortgage Originator License # MN-MO-1450805


Licensed by the Mississippi Department of Banking and Consumer Finance as a Mississippi Mortgage Broker
License No. 1450805


Missouri Mortgage Company
License #1450805-LG


Montana Division of Banking & Financial Institutions
Mortgage Broker License #1450805


Nebraska Department of Banking and Finance

New Hampshire

Licensed by the New Hampshire Banking Department
Mortgage Broker License No. 22638-MBR

New Jersey

New Jersey Residential Mortgage Broker
License NMLS ID # 1450805

New Mexico

Mortgage Loan Company License NMLS # 1450805

North Carolina

Mortgage Broker License - B-198370

North Dakota

North Dakota Money Broker License
License No. MB103977


Licensed by the Department of Commerce, Division of Financial Institutions
Mortgage Lending Act Certificate of Registration RM.804688.000


Mortgage Broker License # MB014685


Oregon Division of Financial Regulation
Mortgage Lending License 1450805


Licensed by the Department of Banking and Securities
Mortgage Broker License No. 70860

Rhode Island

Licensed by the Rhode Island Division of Banking
Loan Broker License No. 20193713LB

South Carolina

South Carolina Department of Consumer Affairs - Mortgage Broker License

South Dakota

South Dakota Mortgage Brokerage
License #1450805MB


Mortgage License No. 220781


NMLS No. 1450805

Consumers wishing to file a complaint against a mortgage banker or a licensed mortgage banker residential mortgage loan originator should complete and send a complaint form to:

Texas Department of Savings and Mortgage Lending
2601 North Lamar, Suite 201 Austin, Texas

Complaint forms and instructions may be obtained from the department’s website at www.sml.texas.gov. A toll-free consumer hotline is available at 1-877-276-5550.

The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department’s website at www.sml.texas.gov.

Mortgage Company License No. 1450805


Vermont Mortgage Broker License
License Number: MB-1450805


Virginia Broker License
License No. MC-7353


Washington Mortgage Broker License
License # MB-1450805

Own Up does not charge you a fee for services. Own Up’s loan comparison services are not required to obtain a residential mortgage loan. The full range of loans available may not be listed on Own Up’s lead generation system, and different terms and conditions, including lower rates, may be made available from others not listed in the system.

If your loan request is forwarded to one or more participating lenders, you may receive from those lenders a good faith estimate of the settlement costs and fees as required under Washington state law and a Loan Estimate form as required by the TILA-RESPA Integrated Disclosure Act.

The interest rates quoted by lenders are subject to change unless and until an interest rate lock-in agreement has been made between you and the lender. The terms and conditions of lock-in agreements, including whether the lock-in fee may be refunded, if any, will be set by the lender. Own Up does not offer interest rate lock-in agreements and does not guarantee any interest rate quoted by a lender.

Own Up will not collect any fees from you in connection with your loan request. All fees will be collected by and are payable to the lender. If the lender is licensed under the Washington Broker Practices Act, any fees paid by you for third-party services (such as a credit report or appraisal) may be held in a trust account, and any such money remaining after the payment to third-party service providers will be refunded to you.

If you are unable to obtain a loan for any reason and you have paid for an appraisal, title report, or credit report in full in connection to a loan made with a lender licensed under the Washington Mortgage Broker Practices Act, the lender shall give you a copy of any such document and will transmit the originals to any other mortgage broker or lender at your direction within five (5) days of your written request. Under the Equal Credit Opportunity Act (ECOA), you are entitled to receive a copy of any appraisal you have paid for.

Washington enforces the prohibition of unfair practices with respect to credit transactions because of race, creed, color, national origin, sex, marital status, honorably discharged veteran or military status, sexual orientation, or the presence of any sensory, mental, or physical disability.

West Virginia

Mortgage Broker
License No. MB-1450805


Licensed by the Department of Financial Institutions
License No. 1450805BR


Wyoming Division of Banking
Mortgage Broker License #4504

RateGravity Inc. d/b/a Own Up Federal Disclosures

NMLS#: 1450805

NMLS consumer access page

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It pays to shop for the right loan. Whether buying or refinancing, our customers save an average of $27k over the life of their loan.