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Morty is an online lender that offers home loans in 30 states. With Morty, homebuyers can apply for and pick a mortgage through a completely online process. The company prioritizes educating potential homebuyers on how much they can afford in a mortgage by using its own Home Financing Score system, which helps you improve your chances of gaining approval for a mortgage.


Morty is a mortgage company that offers online mortgages. By using its Home Financing Score system, Morty helps you find the right mortgage for you while educating you on monthly payments and interest rates.

  • Designed for home purchases
  • Work with home loan pros
  • Totally online service
  • Limited mortgage options
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    Looking to refinance your mortgage?

    See which lender is best for you!

    View Rates

    What is Morty?

    While some mortgage companies may offer a variety of mortgages and refinancing loans for private and commercial properties, Morty specializes in loans for home purchases. Its offered loan types include:

    • 15-year, 20-year and 30-year fixed-rate mortgages
    • 5/1, 7/1 and 10/1 adjusted-rate mortgages

    Morty’s loans are designed to be used on primary residences, and the company doesn’t currently offer loans for second homes, investment properties or loans issued through the FDA, VA or USDA.

    To qualify for a loan with Morty, you must meet the following loan requirements:

    • Credit score of 680 or higher
    • A steady and predictable income
    • A verifiable source of funds
    • A maximum debt-to-income ratio of 45% or lower

    Morty also requires all loan recipients to pay a 3% or higher down payment, depending on your buyer status and the type of home you’re trying to purchase.

    Morty loan rates

    Morty’s loan rates change every day, and you can view them on its website. The company determines your loan risk by looking at multiple factors, including:

    • Your credit score
    • Your DTI ratio
    • The loan amount you want

    Customers with higher credit scores and lower DTI ratios typically receive better interest rates.

    Morty FAQ

    What types of loans does Morty offer?
    Morty offers loans specifically for home purchasing, such as:
    • 15-year, 20-year and 30-year fixed-rate mortgages
    • 5/1, 7/1 and 10/1 adjusted-rate mortgages
    Where is Morty available?
    Morty is available in 30 states and Washington, D.C. The states in which Morty operates are:
    • Alabama
    • Arkansas
    • California
    • Colorado
    • Connecticut
    • Delaware
    • Florida
    • Georgia
    • Illinois
    • Indiana
    • Iowa
    • Kansas
    • Kentucky
    • Maryland
    • Michigan
    • Minnesota
    • Mississippi
    • Nebraska
    • New Jersey
    • New York
    • North Carolina
    • Ohio
    • Oklahoma
    • Oregon
    • Pennsylvania
    • South Carolina
    • Tennessee
    • Virginia
    • Washington
    • Wisconsin
    What are the credit score requirements for Morty?
    You must have a minimum credit score of 680 to qualify for a loan with Morty.
    What’s the minimum down payment for Morty loans?
    The minimum downpayment for a loan with Morty ranges from 3% to 20%, depending on the loan and customer.

    Is Morty mortgage legit?

    Morty is a legitimate mortgage company and a solid option for homebuyers with good credit scores and the ability to pay at least 3% down on a property. While Morty is only available in 30 states and has limited mortgage options, we recommend the lender to homebuyers searching for an online loan experience with specialized services.

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