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.
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
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 |
| JACKSON HEWITT TAX SERVICE | $71K – $105K | $25K | 15.0% | 2,744 |
| CRUISE PLANNERS | $2K – $21K | $11K | 3.0% | 2,655 |
| SERVPRO (UNIT) | $259K – $380K | $100K | 10.0% | 2,286 |
Business Services Average 188 franchises | $118K – $284K | $46K | 10.4% | – |
* Comparison based on latest FDD filings. Investment ranges from Item 7, fees from Item 5. Showing top 5 of 188 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
SBA 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.
Franchisee Contacts
230 franchisee contacts on file from official FDD filings.
| Name | SBA Loan |
|---|---|
John Smith ABC Franchise LLC | $350,000 2023 · Active |
John Smith ABC Franchise LLC | $350,000 2023 · Active |
John Smith ABC Franchise LLC | $350,000 2023 · Active |
John Smith ABC Franchise LLC | $350,000 2023 · Active |
John Smith ABC Franchise LLC | $350,000 2023 · Active |
230 Contacts Available
Unlock all MOTTO MORTGAGE franchisee contacts with verified contact information
Due 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
Frequently 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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Also includes FDDs for
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