COSTA MESA, California — February 3, 2026
Executive Summary
Experian has entered into a definitive agreement to acquire Own Up, an AI-powered mortgage shopping platform focused on helping consumers purchase, refinance homes, or obtain home equity loans. The acquisition is intended to expand the Experian Marketplace by integrating licensed, technology-enabled mortgage shopping and advisory services directly into Experian’s consumer platform. According to the company, the transaction strengthens Experian’s position in the mortgage ecosystem by combining its existing data, analytics, and consumer reach with Own Up’s proprietary AI technology and established lender network. The integration is designed to support consumers navigating increasingly complex mortgage decisions while enabling lenders to connect with more qualified borrowers. The acquisition is expected to close within approximately 90 days, subject to regulatory approvals.
Announcement Overview
Experian announced that it has entered into a definitive agreement to acquire Own Up, a financial technology company specializing in AI-powered mortgage shopping and advisory services. The acquisition adds licensed mortgage guidance and advanced technology capabilities to the Experian Marketplace, which currently offers consumers access to credit cards, personal loans, and insurance products.
According to Experian, the integration of Own Up will enhance the company’s ability to support consumers across the homebuying and refinancing journey, including purchase mortgages, refinances, and home equity loans. Own Up’s platform is designed to help consumers compare loan options, understand pricing, and navigate the mortgage process with greater transparency.
Experian stated that the acquisition supports its broader consumer services strategy by expanding its mortgage presence and enabling a more direct role in one of the most significant financial decisions consumers make. The company indicated that this move builds on its existing mortgage-related capabilities while extending its marketplace functionality to include a more comprehensive home loan shopping experience.
Key Announcement Details
- Announcement type: Acquisition
- Acquirer: Experian
- Target: Own Up
- Industry focus: Mortgage lending and consumer home loans
- Transaction status: Definitive agreement signed
- Expected close: Approximately 90 days, subject to regulatory approvals
- Geographic focus: United States
- Platform integration: Experian Marketplace
Strategic Context
According to Experian, the acquisition of Own Up reflects continued demand for digital tools that help consumers navigate complex financial products, particularly in the mortgage market. The company noted that rising interest rate volatility, pricing complexity, and increased borrower scrutiny have made the mortgage process more challenging for many consumers.
Experian stated that by integrating Own Up’s technology and licensed advisory services, it can provide consumers with a more streamlined experience within its existing platform. This approach is intended to reduce the need for consumers to seek mortgage information and offers across multiple providers, instead centralizing the process within a single, trusted environment.
The company also indicated that the acquisition strengthens its ability to serve lenders by connecting them with more informed and qualified borrowers. By combining Experian’s data, analytics, and consumer reach with Own Up’s lender network and AI-powered shopping tools, the integration is designed to support more efficient matching between borrowers and loan products.
Expanding Experian Marketplace Capabilities
Experian stated that the acquisition enhances the Experian Marketplace by adding homebuying guidance and mortgage shopping capabilities to its existing ecosystem. The Experian Marketplace currently provides consumers with access to a range of financial products, including credit cards, personal loans, and insurance offerings.
With the addition of Own Up, Experian Marketplace users will be able to explore mortgage options alongside other financial products without leaving the platform. According to the company, this integration allows consumers to compare loan options, receive personalized information, and progress toward preapproval or rate lock within a single digital experience.
Experian indicated that this expanded functionality aligns with its goal of providing consumers with tools that support key financial decisions across different life stages. The company emphasized that homeownership represents a critical point in a consumer’s financial journey, often driving increased engagement with credit management and financial planning tools.
Integration of AI Capabilities
According to Experian, the acquisition combines AI-driven technologies from both companies to accelerate innovation and enhance consumer experiences. Own Up’s platform uses proprietary AI technology to analyze loan options, pricing structures, and lender offerings, helping consumers identify competitive mortgage products based on their financial profiles.
Experian stated that integrating Own Up’s generative AI capabilities with its own data and analytics infrastructure enables more personalized interactions within the Experian Marketplace. Consumers will be able to exchange information, receive tailored insights, and move through key steps of the mortgage process without navigating multiple external systems.
The company also noted that these combined AI capabilities support its broader innovation roadmap, enabling faster development and deployment of AI-powered financial solutions. According to Experian, this integration contributes to ongoing efforts to enhance automation, personalization, and decision support across its consumer services.
Supporting Consumers Through the Mortgage Journey
Experian stated that by playing a more direct role in the mortgage journey, it can provide support at a time when consumers are particularly focused on understanding and improving their financial health. The company indicated that mortgage decisions often prompt consumers to engage more deeply with credit scores, debt management, and long-term financial planning.
The integration of Own Up is intended to complement Experian’s existing tools that help consumers monitor credit, manage debt, and access financial education. According to the company, this approach allows Experian members to address multiple related needs within a single platform, from building credit to comparing mortgage offers.
Experian also emphasized that the acquisition supports its mission of Financial Power to All by expanding access to tools that help consumers make informed decisions about home financing. The company stated that providing transparent, personalized mortgage options within a trusted environment can help reduce complexity and improve confidence during the homebuying process.
Leadership Perspective
“Homeownership is one of the most significant moments in a person’s financial journey and we want to be there to help them navigate the process providing the best products from our network so they can achieve their goals,” said Dacy Yee, President, Experian Consumer Services at Experian. “This agreement strengthens our role as a holistic financial co-pilot for consumers, bringing personalized mortgage options into the same secure platform they already trust. Merging the power of our mortgage assets and innovation with Own Up’s expertise and advisory model is a powerful step for us in revolutionizing the mortgage lending market making it easier for consumers to shop, compare, and move forward with confidence.”
Own Up’s Role and Technology
According to Experian, Own Up brings an established, licensed mortgage shopping service supported by proprietary AI technology and a network of more than 40 lenders. Own Up’s platform is designed to help consumers compare mortgage offers, understand pricing, and avoid overpaying for home loans.
Experian stated that Own Up’s advisory model and technology complement its existing mortgage-related assets by adding a consumer-facing layer focused on education, transparency, and guidance. The integration is intended to enhance the overall lending ecosystem by supporting both borrowers and lenders with better information and more efficient processes.
“Our mission has always been to ensure that no borrower overpays for their mortgage. By joining forces with Experian, we are entering a transformative new chapter,” said Patrick Boyaggi, CEO and Co-Founder of Own Up. “With Experian’s immense scale and sophisticated personalization now combined with our core technology, we are uniquely positioned to empower consumers and redefine the homebuying experience on a new level.”
Benefits for Lenders
Experian stated that the acquisition also creates value for lenders by enabling access to a larger pool of informed and qualified mortgage shoppers. By integrating Own Up’s platform into the Experian Marketplace, lenders can connect with consumers who are actively comparing loan options and seeking guidance.
The company indicated that this approach supports more efficient lead generation and improves alignment between borrower needs and lender offerings. According to Experian, combining its data-driven insights with Own Up’s technology allows lenders to engage with consumers earlier in the decision-making process.
Experian also noted that strengthening connections between lenders and qualified borrowers contributes to a more efficient mortgage market overall, benefiting participants across the lending ecosystem.
Enhancing the Consumer Financial Ecosystem
According to Experian, the acquisition aligns with its broader strategy of creating an integrated financial ecosystem that supports consumers across multiple products and services. The company stated that adding mortgage shopping capabilities complements existing offerings related to credit monitoring, personal finance management, and insurance.
Experian indicated that members will continue to benefit from AI-driven tools, including virtual assistants that provide financial information and educational content. The integration of Own Up’s technology is intended to enhance these capabilities by adding mortgage-specific insights and guidance.
The company emphasized that enabling consumers to access multiple financial products and services within a single platform reduces friction and supports more informed decision-making.
Closing Timeline and Regulatory Considerations
Experian stated that the acquisition of Own Up is expected to close within approximately 90 days, subject to customary regulatory approvals. The company did not disclose financial terms of the transaction.
According to Experian, both companies will work together during the interim period to plan integration efforts and ensure a smooth transition following closing. The company emphasized that regulatory compliance and consumer protections remain a priority throughout the process.
About Experian
Experian is a global data and technology company that supports opportunities for people and businesses worldwide. The company provides solutions that help redefine lending practices, uncover and prevent fraud, simplify healthcare processes, deliver digital marketing solutions, and generate insights across automotive and other markets.
Experian operates across multiple industries, including financial services, healthcare, automotive, agrifinance, and insurance. The company combines data, analytics, and software to help organizations manage risk and support consumer financial health.
Experian is listed on the London Stock Exchange and is a constituent of the FTSE 100 Index. The company employs approximately 25,200 people across 33 countries, with corporate headquarters in Dublin, Ireland.
About Own Up
Own Up is a financial technology company focused on making homeownership more accessible and affordable. The company provides a transparent mortgage marketplace that connects consumers with vetted lenders using proprietary technology and industry expertise.
Own Up’s platform is designed to simplify mortgage shopping by enabling consumers to compare rates and terms tailored to their financial profiles. Headquartered in Boston, Own Up emphasizes financial education and consumer advocacy within the mortgage industry.
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Source Attribution
Source: Company announcement