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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
25 BPS per transaction (capped at $1000) + $2500 fixed royalty + $350 marketing fund
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 dataHow MOTTO MORTGAGE Compares
Key Insights
- Lower investment than 75% of Business Services franchises
- Higher than average SBA loan default rate in Business Services
| Franchise | Investment | Fee | Royalty | Locations |
|---|---|---|---|---|
MOTTO MORTGAGE Current | $56K – $245K | $35K | 0.3% | 154 |
| Bimbo Foods Bakeries Distribution, LLC | $14K – $607K | N/A | N/A | 6,454 |
| THE UPS STORE (TRADITIONAL) | $216K – $609K | $30K | 5.0% | 4,500 |
| AMERICAN POOLPLAYER'S ASSOCIATION INC | $15K – $23K | $10K | 20.0% | 3,562 |
| CRUISE PLANNERS | $2K – $21K | $11K | 1.5% | 3,124 |
| RE/MAX | $37K – $337K | $35K | 1.0% | 2,994 |
Business Services Average 203 franchises | $120K – $288K | $46K | 10.2% | – |
* Comparison based on latest FDD filings. Investment ranges from Item 7, fees from Item 5. Showing top 5 of 203 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
186 franchisee contacts on file from official FDD filings.
186 Contacts Available
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Unlock contactsDue Diligence
Litigation (Item 3)
Primarily suits to collect royalty payments and one case for breach of franchise and settlement agreement including confidentiality and non-disparagement provisions.
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 $244,750. This includes a franchise fee of $35,000. Ongoing royalty fees are 0.3% of gross sales.
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