Morty saves borrowers money with rates that are very low and some customers have saved an entire percent on their rate getting a mortgage through them versus going directly to the same lender. As a broker, Morty's incentives are aligned with the borrower's. They are genuinely working as their advocate throughout the process. (And their service is free for borrowers.) Additionally, they have automated much of their backend process and as a result, Morty can close much faster than typical banks or other online lenders.