Morty has always required homebuyers to perform a hard credit pull in Elroy in order to get an instant pre-approval or submit an application. This has been a hindrance to early stage users who aren’t quite ready to do a hard pull, but still want to get pre-approved or see accurate loan options. The credit pull page creates a large amount of drop off in Elroy.
This update allows users to do a soft credit pull in the pre-approval and application products, with the ability to upgrade to a hard pull when/if necessary.