Morty Review

Item: Morty
Author: RateZip Editorial

Last reviewed September 2026

RateZip's editors follow standards of editorial integrity. Some products we review may be offered by companies that also advertise with us. Reviews reflect our editors' independent assessment.

What changed: Morty is now a platform first

Morty still holds the same broker license the profile below describes (Morty, Inc., NMLS #1429243), but the company it fronts has changed shape. Its home page no longer sells mortgages to buyers at all - it sells mortgage infrastructure to loan officers and brokerages, and the main call to action there is Talk to Sales. In Morty's own words, it "began as a digital mortgage broker" and has "transformed that experience into an end-to-end platform that powers independent mortgage businesses nationwide."

That is worth knowing before you click through, because the front door now answers a different question than the one you came with.

You can still get a mortgage through Morty

The consumer side did not shut down - it moved off the home page. Morty's mortgage rates marketplace still compares loan options across its lender network, still opens an account to pair you with a licensed loan officer, and its loan officer directory lists individual officers with NMLS numbers and the states they can lend in. The Visit link on this page goes to that marketplace rather than to the corporate home page.

One difference from the profile below: Morty originally brokered purchase mortgages only. Its marketplace now also lists refinances and home equity products.

Original profile

About

Morty was founded in 2016 to help make the mortgage process easier and more accessible for interested homebuyers. They only broker purchase mortgages, which makes them experts in their field and allows them to be in touch with what homebuyers are really looking for. Morty is currently licensed in 44 states and Washington D. C.

As a licensed Mortgage Broker, Morty helps consumers shop for mortgages by instantly comparing rates and loan programs from their top lenders. These loan options can be personalized for your unique property and financial situation in just a few seconds, without a hard credit pull. Once you find an option that works for you, you can get preapproved in five minutes or less. This preapproval is 100% accurate and can be accessed and downloaded from your smartphone, tablet, or computer. Being able to get a preapproval almost instantly and from anywhere with an internet connection is critical in today’s fast paced real estate market.

With Morty, you can close in as soon as three weeks, and you’ll have a team of mortgage experts to help you know the status of the loan and the required next steps.

As a broker and a marketplace, Morty doesn’t fund loans themselves. Rather, they work with third-party lenders who fund the loans. But because Morty works with multiple lenders, their customers have access to more than 1,500 personalized loan options! The Morty platform is designed to educate borrowers about getting a mortgage and empowers them to compare loan options and access competitive rates from a range of lenders. As a marketplace, Morty serves as an unbiased advocate, working with buyers to help them find a loan that works for them and seamlessly close on a home.

Is working with a mortgage broker right for you? Read more about mortgage brokers right here on RateZip!

This bank profile is not an endorsement or advertisement for the bank's products and services. RateZip is an independent publisher of bank information.

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Frequently asked questions

Is Morty still a mortgage broker for homebuyers?

Yes. Morty, Inc. is still a licensed mortgage broker (NMLS #1429243) and still works with homebuyers through its rate marketplace and its network of licensed loan officers. What changed is the emphasis: Morty's main website now markets its technology platform to mortgage professionals, and the homebuyer product sits behind that.

Why does morty.com look like software rather than a mortgage site?

Because that is Morty's primary business today. The company packaged the technology it built for its own brokerage and now sells it to independent loan officers and brokerages - licensing, loan origination system, pricing engine, and back-office support. The homebuyer marketplace still exists at morty.com/mortgage-rates.

Sources

https://www.morty.com/about - Morty's own about page: the company "began as a digital mortgage broker" and has "transformed that experience into an end-to-end platform that powers independent mortgage businesses nationwide." Checked 2026-09-05.
https://www.morty.com/mortgage-rates - Morty's consumer rate marketplace, which still compares loan options across its lender network and opens an account to work with a loan officer. Checked 2026-09-05.
https://www.morty.com/loan-officers - Morty's public directory of its licensed mortgage loan officers, listing each officer's NMLS number and the states they are licensed in. Checked 2026-09-05.