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Morty has been honored as a standout in the Fintech Innovation category of Actual Agency’s 2025 Fintech 50 Awards. Led by CEO Nora Apsel, Morty is recognized for transforming mortgage operations into a cleaner, more efficient, and growth-oriented experience.

“We’re honored to be included among the industry’s most forward-thinking fintechs,” said Nora Apsel. “This recognition underscores Morty’s mission to modernize mortgage infrastructure from the ground up.”

The Fintech 50 Awards spotlight companies reshaping how the world interacts with money, credit, and commerce. Morty was selected for its blend of mortgage domain expertise, digital marketplace infrastructure, and focus on operational excellence.

Morty has reached another major milestone in its mission to simplify and modernize the mortgage process. With the launch of Alt-Doc pricing, Hemlock now includes full Non-QM coverage across the programs offered by our lender partners.

From DSCR loans and bank statement programs to 1099 income and P&L-only options, brokers and loan officers can now quote and compare Non-QM scenarios directly within Morty, no spreadsheets, screenshots, or back-and-forth emails required.

• Generate accurate, real-time quotes for a wide range of Non-QM loan programs
• Compare programs side-by-side to identify the best fit for your clients
• Create client-ready outputs, all without leaving the Morty platform

Whether your borrower is an investor or self-employed, Hemlock now makes it easier than ever to quote Non-QM with confidence and deliver a seamless client experience.

Morty is proud to share that Co-Founder and CEO Nora Apsel will be speaking at the 2025 Left Lane Capital Fast Growth Summit, joining a lineup of founders and leaders from some of the world’s fastest-growing companies.

In her lightning talk, “From Single-Channel to Scale: Evolving a Business Model,” Nora will share how Morty leverages growth from a direct-to-consumer mortgage startup to a scalable platform powering the next generation of independent brokerages and loan officers.

Nora will explore how growth is about more than just momentum, it’s about building infrastructure that adapts to a changing market and sharper customer focus.

As Morty continues to redefine what’s possible for mortgage professionals, this conversation highlights our commitment to empowering brokers to run their businesses their way with less friction, more confidence, and the technology to scale like never before.

Try Hemlock Risk-Free. Morty today announces a major step in making Hemlock more accessible: trial accounts are now live. With this launch, loan officers and brokers can explore Hemlock firsthand — generating quotes, comparing programs, and testing client outputs — all before committing.

Some of the benefits of the trial include:

• Access to core Hemlock pricing features
• Ability to generate demo quotes and compare programs side-by-side
• Hands-on evaluation without commitment, enabling users to see value immediately
• Seamless upgrade path to full accounts when ready

“Enabling trial accounts is about removing friction,” said Nora Apsel, Co-Founder & CEO of Morty. “We want brokers to see the power of Hemlock for themselves, not just hear about it. It’s a statement of confidence in our platform and a promise to our users that we believe in the experience we’re delivering.”

This trial launch is part of Morty’s continuing mission to democratize mortgage tech, letting professionals try before they buy and ensuring they can scale with tools that match their ambitions.

Morty is proud to introduce Rosey, a powerful new AI agent designed to streamline mortgage workflows by offering real-time guidance and automated document verification for loan officers.

With Rosey, loan officers and brokers get instant support when tackling tough loan questions — and confidence that the documents they receive meet expected standards. No more guessing, tedious back-and-forths, or manual checks.

This launch is more than just a feature update, it marks Morty’s progression into AI-assisted mortgage operations. Rosey empowers mortgage professionals to work smarter, not harder, by combining domain knowledge with modern automation.

Morty continues to build the infrastructure, technology, and tools that let brokers and originators scale and compete, without losing sight of accuracy, compliance, or speed.

Morty is proud to announce the appointment of Phil Dantas as Vice President of Sales, bringing more than a decade of experience driving growth, scaling revenue operations, and leading high-performing teams in technology and financial services.

A proven leader and strategist, Phil has built his career around aligning goals, delivering results, and creating turnkey solutions that accelerate business success. He’s recognized for his ability to develop sales channels, strengthen partnerships, and lead with a collaborative approach that empowers teams to thrive.

“I’m passionate about sales, tech, and people development,” said Dantas. “Morty is transforming how mortgage professionals run their businesses, and I’m excited to help scale that vision, building a sales organization that drives meaningful results for both our customers and the company.”

At Morty, Phil will help lead the company’s go-to-market and sales strategy, focusing on expanding broker partnerships, strengthening customer relationships, and supporting Morty’s mission to simplify mortgage operations through technology.

Nora Apsel, Co-Founder and CEO of Morty, has been recognized among the Top 100 Women in FinTech by FinTech Magazine, marking her second consecutive year on the list.

The annual ranking celebrates the industry’s most influential women driving innovation, inclusion, and progress in financial technology. Apsel was honored for her leadership in redefining how mortgage professionals build and scale their businesses through technology.

Under her direction, Morty has evolved from a digital mortgage marketplace into a full-stack platform that empowers independent loan officers and brokerages with modern tools, AI-driven automation, and centralized compliance and fulfillment support.

“It’s a privilege to be recognized alongside so many remarkable women shaping the future of fintech,” said Apsel. “At Morty, our mission is to build a better, more connected mortgage ecosystem, one that gives professionals the freedom and infrastructure to thrive.”

Morty is excited to announce the launch of its new podcast, The Full Disclosure, a candid, unfiltered look at what’s really going on behind the scenes in the mortgage industry.

Hosted by Nora Apsel, Co-Founder and CEO of Morty, The Full Disclosure pulls back the curtain on an industry often known for gatekeeping and outdated processes. Each episode features open, entertaining, and insightful conversations with top mortgage pros about their road to success, the tech shaping the future of lending, and the realities of building a career in a rapidly changing market.

No topic is off-limits — from the chaos of compliance to the promise of AI, from burnout to breakthroughs. Whether you’ve been in the business for 2 or 20 years, you’ll laugh, learn, and come away with a new perspective on what it takes to thrive in today’s mortgage world.

🎙️Streaming now on YouTube, Spotify, and Apple Podcasts.

Morty is excited to announce the launch of The Broker Brief, a new weekly LinkedIn newsletter created to help independent mortgage professionals stay informed, competitive, and inspired.

Each edition breaks down key industry trends, business strategies, and product insights, all designed to help brokers grow their business and serve clients more effectively.

From market shifts to new tech tools and brokerage best practices, The Broker Brief delivers actionable takeaways every week, straight from Morty’s team of experts.

“Brokers are running complex businesses in a fast-moving market,” said Nora Apsel, Co-Founder and CEO of Morty. “With The Broker Brief, we’re giving them the context and tools to navigate that landscape with more confidence.”

Morty is honored to announce that our company has been included in Inman’s 2024 Best of PropTech Awards in the Alternative Financing category for the second year in a row.

This recognition places Morty alongside a distinguished group of innovators and leaders transforming the real estate technology landscape. Inman’s Best of PropTech Awards celebrate companies and individuals pushing the boundaries of what's possible in real estate and finance. Inman

Being named in the Alternative Financing category underscores our commitment to reshaping the financing side of real estate — making capital more accessible, streamlined, and aligned with modern needs. We’re proud of this recognition and even more excited about what lies ahead.

Morty is proud to announce the official launch of Hemlock, our all-in-one Loan Origination System (LOS) built to give mortgage professionals everything they need — in one powerful platform.

Hemlock brings together pricing, pipeline management, and client engagement in a single, intuitive dashboard designed to simplify operations and help brokers grow their business with confidence.

• Pricing at Your Fingertips: Run real-time loan scenarios directly through the Hemlock dashboard using Morty’s built-in pricing engine (formerly Falcon). Compare rates, programs, and lenders instantly — no spreadsheets or manual inputs required.
• Customer Pipeline & Details: Track every lead and application in one organized workspace. Hemlock’s client management tools help you stay on top of your pipeline, from first contact through closing.
• Review Applications & Options with Ease: Monitor each client’s progress, review applications, and find the best loan fit with built-in pricing and eligibility tools — all without leaving Hemlock.

Hemlock marks a major milestone in Morty’s mission to empower independent brokers and loan officers with technology that works as hard as they do. From quote to close, everything you need to originate smarter and operate stronger is now in one place.

Now offering refinance mortgage loans, Morty takes a big step forward in their journey to offer all home financing products to homebuyers.

Morty is thrilled to announce the expansion of its mortgage marketplace platform to now include support for refinancing loans. This enhancement marks a significant milestone in Morty's commitment to providing comprehensive solutions that cater to the diverse needs of millions of homeowners and potential buyers.

With refinancing loan support seamlessly integrated into Morty's platform, homeowners now have access to a streamlined and efficient process for exploring and pursuing refinancing options tailored to their specific financial goals and circumstances. Whether seeking to lower monthly payments, reduce interest rates, consolidate debt, or access equity for home improvements, Morty's platform is designed to facilitate informed decisions and help homeowners achieve their objectives with ease.

Key Highlights of Morty's Refinancing Loan Support:

• Personalized Solutions: Leveraging advanced algorithms and data analytics, Morty's platform offers personalized refinancing solutions that align with each homeowner's unique needs and preferences.
• Transparent Guidance: Morty provides clear and transparent guidance throughout the refinancing process, ensuring homeowners have all the information they need to make confident decisions.
• Seamless Experience: With a user-friendly interface and intuitive tools, Morty's platform makes it easy to explore refinancing options, submit applications, and track progress every step of the way.
• Expert Support: Morty's team of mortgage experts is dedicated to assisting homeowners at every stage of the refinancing journey, providing expert advice and support to help them achieve their financial goals.

"At Morty, we're dedicated to equipping homeowners with the tools and resources they need to navigate their homeownership journey with confidence," said Nora Apsel, CEO of Morty. "Our new refinancing loan support comes at a pivotal time, offering homeowners a streamlined solution ahead of anticipated interest rate reductions in 2024. We're committed to simplifying the refinancing process, providing transparency, and empowering homeowners to secure the best possible terms for their financial future."

Morty's refinancing loan support reflects the company's ongoing dedication to innovation and customer-centric solutions. By expanding its platform to include refinancing options, Morty continues to revolutionize the mortgage industry, offering homeowners greater flexibility and control over their financial futures.

Morty is thrilled to announce the launch of our in-house built product and pricing engine, now live for all Hemlock users. The pricing engine delivers a faster, more intuitive way to quote loan scenarios, giving mortgage professionals the power to customize, compare, and analyze pricing with unprecedented ease.

Built to help brokers and loan officers turbocharge their scenario pricing — eliminating the guesswork and manual steps that slow down the quoting process. Users can:

• ⚙️ Customize Scenarios in Seconds. Adjust scenario inputs like income, assets, eligibility programs, and property details to see real-time pricing changes. Filter results by monthly payment, closing costs, program type, or lender to find the perfect fit for your client.
• 📊 Compare Loan Options Instantly. Displays how lenders, programs, and terms impact pricing — so brokers can quickly identify which options your clients qualify for and which offer the best value. Assess eligibility across multiple programs or drill down into individual details for precision.
• 🔍 Get Fine-Tuned Loan Details. View complete loan breakdowns, including which fees are built into each payment and closing cost, and understand exactly how adjusted pricing is calculated — all in one streamlined interface.

Morty’s first in-house pricing engine represents a major step forward in empowering brokers to deliver fast, accurate, and transparent loan options to their clients, without spreadsheets, screenshots, or slow turnarounds.

Empowering homeowners to leverage their home's equity for financial flexibility, Morty introduces HELOCs and HELoans

Morty is proud to announce the expansion of its mortgage product offerings to include Home Equity Lines of Credit (HELOCs) and Home Equity Loans (HELoans). With these new options, homeowners can now leverage up to 95% of their home's equity to unlock financial flexibility and achieve their goals.

Homeowners seeking to make the most of their home's value can now turn to Morty's marketplace to find the equity loan that's tailored to their needs. Whether it's for home improvements, debt consolidation, or any other financial need, Morty is committed to empowering homeowners with accessible and flexible lending solutions.

Financial Flexibility

• Loans up to $750,000: Morty provides substantial loan amounts to meet diverse financial needs.
• Leverage up to 95% of your home's equity: With Morty, homeowners can tap into a significant portion of their home's equity to access the funds they require.

Deal Term Flexibility

• Terms from 5 to 30 years: Morty offers flexible repayment terms to accommodate various financial situations.
• Draw periods up to 10 years: Homeowners can enjoy extended draw periods, providing them with ample time to utilize their funds as needed.
• Interest-only payments for the first 10 years: Morty understands the importance of manageable payments, offering interest-only options to ease financial burdens during the initial years.

Closing Flexibility

• Funding in as little as 14 days: At Morty, we prioritize efficiency, ensuring that homeowners can access their funds swiftly.
• Fully digital experience: With Morty's seamless online platform, homeowners can complete the entire borrowing process from the comfort of their homes.

"Morty is dedicated to simplifying the lending process and empowering homeowners to achieve their financial goals," said Nora Apsel, CEO of Morty. "With the addition of HELOCs and HELoans to our product lineup, we're providing even more options for homeowners to unlock the value of their homes and take control of their finances."

Whether homeowners are looking to renovate their homes, consolidate debt, or pursue other financial endeavors, Morty's HELOCs and HELoans offer the flexibility and convenience needed to make it happen. By leveraging Morty's marketplace, homeowners can access competitive rates and personalized loan options that suit their unique circumstances.

Morty is proud to announce that Nora Apsel, Co-Founder & CEO, has been named a recipient of Inman’s inaugural Best of PropTech Awards 2023 in the Alternative Financing category.

The Best of PropTech Awards, launched in 2023, recognize standout leaders, companies, and innovations across the real estate technology (proptech) industry. Recipients were chosen by Inman’s editorial team across four key categories: Alternative Financing, Entrepreneurs, Innovation in Construction, and Venture Capital.

Nora’s recognition in Alternative Financing highlights her work in bridging the worlds of fintech and mortgage, delivering new solutions that streamline access to capital and reshape how consumers and brokers engage with home financing. Morty’s platform, under her leadership, continues to push boundaries in automation, transparency, and operational scale.

“I’m deeply honored by Inman’s recognition,” said Nora Apsel. “This award underscores our belief that technology can and should make financing simpler, fairer, and more accessible in real estate. It’s a validation not just for me but for everyone on the Morty team driving toward that mission every day.”

In recognition of the entrepreneurs, venture capitalists and visionaries pushing real estate forward, the 'Best of Proptech' honors cap the yearlong expansion of Inman's awards program.

We’re excited to announce a major refresh of Morty’s website and brand identity as well as updates to our platform experience.

Our team has been hard at work making changes that provide a more engaging, dynamic and easily-navigable experience for our users, all in support of our mission to increase access to home financing. Here are some highlights from our revamped site:

Refreshed Brand Identity We’ve updated our brand identity, including our logo, color palette and visuals to be bolder and more contemporary while staying true to our roots. The design approach we’ve chosen is meant to reflect the friendly, informed experience you’ll receive with Morty, while making our content easier to navigate and digest.

The Morty HomeSchool The Morty blog has a new look and feel, and timely market news, home financing content, and buyer guides are easier to access than ever, through a whole new portal. Morty HomeSchool is meant to put you in control and ensure you have answers to all the questions you have about home financing. No question is too small!

The Morty Dashboard To continue offering a seamless mortgage experience, we’ve also introduced a new feature to our platform: Morty Dashboard! The Morty Dashboard allows you to more seamlessly navigate through each step in the home buying process as you work with us to get pre-approved, select the right loan option for you and close on your home. It makes it easy to track everything in one view, toggle between steps and have full transparency into the process.

We believe in the power of our marketplace and our technology to provide an incredible home financing experience that’s unlike anything else out there. But we are also always looking for ways to improve and better serve our mission. We’ve made these improvements with one person in mind: our customer. We founded Morty with the goal of increasing access to home financing, and all of our work ladders up to that goal.

Since 2010, Scotsman Guide has ranked tens of thousands of the nation’s top-producing residential mortgage originators. With its longstanding credibility, rigorous verification process, and expansive reach, this annual ranking is widely regarded as the industry’s gold standard for recognizing individual achievement and top-tier performance.

The ideas animating investors, founders, and advisors focused on real estate and proptech.