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Morty Mortgage Review 2022

Established 2016

180 Varick Street, #816, New York, NY 10014

NMLS #1429243


Morty is an online mortgage broker who works with a large network of lenders that gives customers access to many different loan options along with convenience that comes with an online mortgage experience. Their product offering is pretty basic so customers looking for government backed programs like FHA and VA loans will have to look elsewhere.

Good Fit For:

Customers looking for multiple options for their loan but aren’t interested in FHA or VA products.


  • They are a mortgage broker so they will gather multiple options for you to choose from
  • Competitive rates

Things to keep in mind:

  • Only licensed in 36 states and D.C.
  • No home equity loans or HELOC products
  • No VA or FHA products


Purchase Options

  • Conventional
  • Jumbo

Refinance Options

  • Rate and Term
  • Cash-out

Customer Experience

Morty is a New York based licensed mortgage broker, meaning that loans originated by Morty are funded by a third party. They are not a lender, but rather they work on their customer’s behalf with a network of lenders who originate and fund your mortgage loan. Morty utilizes their technology to provide you with lender options and online options for completing the mortgage process.

Morty’s offering of mortgage products is more narrow than other companies out there. They provide new home purchase products covering conventional and jumbo loans. However, they do not offer Federal Housing Administration (FHA) or Veterans Affairs (VA) loan. While the majority of mortgage shoppers may not require these programs to get the mortgage they need, there are some mortgage shoppers that will need to continue to their mortgage search elsewhere.

Morty does not provide rates on their site, but that makes sense since they will be checking multiple lenders to get options tailored to your specific situation. Instead, they provide you with a tool that allows you to enter a couple pieces of information regarding your potential loan and see some sample rates. To get personalized rates, you’ll have to fill out a full application which is available on their site.


  • Reviewer
  • A+
  • [ 4.4/ 5]
  • [ 4.2/ 5]
  • [ 4.5/ 5]
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