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Savings methodology

Customers who secure a mortgage from the Own Up® marketplace save an average of $28,217 in interest over the life of their loan.

Our calculation


Interest cost of average loan in U.S.


Interest cost of loan in our marketplace


Average savings over the life of a loan

To find the total interest cost on the weighted average loan, we use the Optimal Blue® Mortgage Market Indices (one of the most widely used market averages) from January 1st 2023 to December 31st 2023 to determine the national average interest rate on the same day as our comparison loan was secured from the Own Up® marketplace.

We use that weighted national average interest rate to determine the total interest cost of the weighted average loan secured in 2023 at Own Up of $503,711. Interest can vary based on many factors, so we limited the analyses to 30 year conventional mortgages in 2023 but did not normalize for other factors that can influence rate (e.g., credit score, state, property type).

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It pays to shop for the right loan. Whether buying or refinancing, our customers save an average of $28k over the life of their loan.