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.
Disclaimer: This information was extracted using AI from public Franchise Disclosure Documents and should be independently verified. This is not financial or legal advice. Always review official FDD filings before making investment decisions.
Overview
Financial Requirements
$2,500/mo royalty + 25 bps (0.25%) per transaction (includes $350/mo marketing fund contribution); additional $250/mo per loan originator beyond 7.
Franchise Stats
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 to Other Business Services Franchises
Key Insights
- Higher than average SBA loan default rate in Business Services
| Franchise | Investment Range | Franchise 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 187 franchises | $118K - $285K | $46K | 10.4% | - |
* Comparison based on latest FDD filings. Investment ranges from Item 7, fees from Item 5. Showing top 5 of 187 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
* Data sourced from SBA 7(a) FOIA loan records. Default rate calculated from charged-off loans.
Franchisee Contacts
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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)
No bankruptcy history reported in the FDD.
System Health (Item 20)
Franchise system changes reported in the most recent fiscal year
Frequently Asked Questions
How much does it cost to open a MOTTO MORTGAGE franchise?
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.
How many MOTTO MORTGAGE franchise locations are there?
As of the 2025 FDD, MOTTO MORTGAGE has 171 franchise locations. The company has been franchising since 2016.
Can you get an SBA loan for a MOTTO MORTGAGE franchise?
Yes, SBA loans are available for MOTTO MORTGAGE franchises. Historical data shows 3 SBA 7(a) loans have been approved for MOTTO MORTGAGE franchisees, with an average loan amount of $526,200. The historical default rate is 0.0%.
Is MOTTO MORTGAGE a good franchise to buy?
MOTTO MORTGAGE shows several positive indicators: established brand with 171+ locations, low SBA loan default rate. However, franchise success depends on many factors including location, local market conditions, and owner involvement. We recommend speaking with existing franchisees and consulting with a franchise attorney before making a decision.
Interested in MOTTO MORTGAGE?
Talk to a franchise advisor to get personalized guidance and learn if MOTTO MORTGAGE is the right fit for you.
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