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MOTTO MORTGAGE
Motto Mortgage franchises enable operators to offer mortgage brokerage services, including the origination, processing, and solicitation of residential and commercial mortgage loan applications using the proprietary Motto system of standards, procedures, and trademarks. Franchisees recruit licensed loan originators, partner with wholesale lenders for compensation, and often locate their offices adjacent to existing real estate brokerages. The target market is the general public seeking mortgages for home purchases or refinancing, in a highly competitive and regulated industry.
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Franchise Costs
$2,500/mo royalty + 25 bps (0.25%) per transaction (includes $350/mo marketing fund contribution); additional $250/mo per loan originator beyond 7.
Financial Performance
Item 19 Financial Performance
This franchise did not provide Item 19 financial performance data.
Be careful if you are interested in investing. The lack of financial performance representations may indicate limited data or varying results across franchises.
Extracted Item 19 Section
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Unlock financial performance dataMOTTO MORTGAGE Franchise Analysis
Imagine diving into the mortgage brokerage world under the RE/MAX umbrella, where Motto Mortgage has built a network since 2016. Yet the latest FDD uncovers sharp system contraction alongside litigation notes and a lack of Item 19 earnings data, raising questions about stability. Does this RE/MAX offshoot offer a viable path amid industry turbulence, or signal caution for investors?
Entry costs span $55,700 to $239,750 per Item 7, with a $35,000 franchise fee, making it relatively accessible for business services. Ongoing fees hit $2,500 monthly royalty plus 0.25% per transaction (including $350/mo marketing), escalating $250/mo per extra loan originator beyond seven—potentially burdensome in a low-volume scenario. No Item 19 disclosure means no official revenue or profit figures, forcing reliance on three SBA loans averaging $526,200, hinting at significant capital needs without validated franchisee earnings to offset risks.
System health shows red flags: locations dropped 24% from 226 in 2024 to 171 in 2025, with 32 terminations, 13 non-renewals, just 2 transfers, despite 42 projected new units. Franchisor litigation against franchisees for unpaid royalties and breaches underscores enforcement pressures. This trajectory suggests vulnerability in a regulated, competitive market—strong parent support hasn't stemmed outflows, advising caution for those eyeing mortgage franchising without proven cash flow data.
Analysis based on the 2025 Franchise Disclosure Document. All figures should be independently verified before making investment decisions.
How MOTTO MORTGAGE Compares
Key Insights
- Higher than average SBA loan default rate in Business Services
| Franchise | Investment | Fee | Royalty | Locations |
|---|---|---|---|---|
MOTTO MORTGAGE Current | $56K – $240K | $35K | N/A | 171 |
| Bimbo Foods Bakeries Distribution, LLC | $14K – $607K | N/A | N/A | 6,454 |
| THE UPS STORE (TRADITIONAL) | $216K – $609K | $30K | 5.0% | 4,500 |
| RE/MAX | $37K – $337K | $35K | 1.0% | 2,994 |
| JACKSON HEWITT TAX SERVICE | $71K – $105K | $25K | 15.0% | 2,744 |
| CRUISE PLANNERS | $2K – $21K | $11K | 3.0% | 2,655 |
Business Services Average 198 franchises | $121K – $289K | $47K | 10.2% | – |
* Comparison based on latest FDD filings. Investment ranges from Item 7, fees from Item 5. Showing top 5 of 198 Business Services franchises by location count.
Locations & Growth
Outlet Growth Over Time
Total outlets at end of each year
Geographic Distribution (2025)
Outlets by state across the United States
+30 more states
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Unlock location growth dataSBA Loan History
Historical SBA 7(a) loan data for MOTTO MORTGAGE franchisees (2021 – 2024)
Loans by Year
SBA 7(a) loan activity over time
* Data sourced from SBA 7(a) FOIA loan records. Default rate calculated from charged-off loans.
3 SBA loans on record
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Unlock SBA loan historyFranchisee Contacts
230 franchisee contacts on file from official FDD filings.
230 Contacts Available
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Unlock contactsDue Diligence
Litigation (Item 3)
Suits by franchisor against franchisees for breach of franchise agreement (including confidentiality and non-disparagement), past due fees, and royalty payments.
Bankruptcy (Item 4)
System Health (Item 20)
Franchise system changes reported in the most recent fiscal year
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Unlock due diligence reportsFrequently Asked Questions
The total initial investment to open a MOTTO MORTGAGE franchise ranges from $55,700 to $239,750. This includes a franchise fee of $35,000.
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