Down Payment Resource vs Own Up

What the rubric says

Down Payment Resource and Own Up are both scored in Lead Gen & Retention. Down Payment Resource carries an overall of 4.3, Own Up an overall of 2.2. The widest gap between them is Functionality and depth, at 2.3 of a point. That axis measures whether it handles the messy loans and not just the clean file. Down Payment Resource takes it, 4.4 to 2.1.

Where the five axes separate

On Functionality and depth the record favours Down Payment Resource, 4.4 against 2.1. On Integrations and ecosystem the record favours Down Payment Resource, 3.8 against 1.6. On Return on spend the record favours Down Payment Resource, 4.4 against 2.3. On Production impact the record favours Down Payment Resource, 4.4 against 2.3. On Adoption and support the record favours Down Payment Resource, 4.4 against 2.6.

Pricing posture

Down Payment Resource does not publish pricing. Its listed model is quote only, enterprise licence. Own Up does not publish pricing. Its listed model is advertising and referral compensation paid by lenders, no published rate card.

Deployment and who each one targets

Deployment for Down Payment Resource: Cloud portals for four roles plus an Encompass integration. Deployment for Own Up: Cloud marketplace, nothing installed on the lender side. Segment focus for Down Payment Resource: Lenders serving first time, moderate income and CRA-driven borrowers. Segment focus for Own Up: Lenders wanting rate shoppers who have already been screened and coached by a human advisor. The two entries name different buyers.

What each record credits

Down Payment Resource: Tracks more than 2,600 programmes nationally, 74 percent offering down payment assistance. Down Payment Resource: Published Encompass integration surfaces programme matching inside the LOS. Down Payment Resource: Four role-specific surfaces: research, matching, underwriting guidelines and consumer capture. Own Up: Advisors work the borrower first, so you get an informed, better-qualified contact. Own Up: The site plainly states its legal entity, NMLS number, compensation model and panel. Own Up: Publishes its lender panel, from Rocket Mortgage to NBKC, so you see the competition.

What each record holds against them

Down Payment Resource: No pricing published at any tier or lender size. Down Payment Resource: Programme data still needs filtering through your own overlays, and that work is yours. Down Payment Resource: Only two lender customers named: Mountain West Financial and Cherry Creek Mortgage. Own Up: No published pricing or partner terms of any kind. Own Up: Borrower-aligned by design, so its incentive is finding a cheaper offer than yours. Own Up: Smaller consumer reach than big comparison sites, so volume potential is limited.

Which one fits which shop

Best fit for Down Payment Resource: Lenders losing otherwise good borrowers at the down payment. Best fit for Own Up: A lender that competes on price and wants borrowers who arrive already understanding the offer.

What each entry concludes

Down Payment Resource: Down Payment Resource keeps a database of more than 2,600 homeownership assistance programmes. Down Payment Resource: It matches borrowers to programmes, so a file short on down payment funds instead of dying. Own Up: Own Up operates as RateGravity Inc. Own Up: under NMLS #1450805, sitting between the borrower and a lender panel.

The short answer

Down Payment Resource finishes ahead on the published rubric, 4.3 to 2.2. The margin comes mostly from Functionality and depth. Same rubric, same weights, no sponsorships.