Motto Mortgage
Franchise research report · reviewed 2026 disclosure data
Researching Motto Mortgage franchise opportunities? Every figure below is cited to the FDD.
- Franchising since
- 2016 Source: franchise.org
- Headquarters
- Denver, CO United States Source: franchise.org
Motto Mortgage franchise operates as a network of independent mortgage brokerages offering residential lending services under a nationally recognized brand.
Headline figures
Quick facts
- How much does it cost to open a Motto Mortgage franchise?
- The Motto Mortgage Franchise Disclosure Document reports separate estimated initial investments by format: $55,700–$208,250 for total estimated — $55700 (2026 FDD, Item 7, PDF p. 26); $21,700–$208,250 for branch office total estimated initial investment — lower estimate (2026 FDD, Item 7, PDF p. 26). These formats are not combined. Each is the franchisor's disclosed estimate, not a quote. Details
- What ongoing fees does Motto Mortgage charge?
- The disclosed ongoing royalty is $250 (2026 FDD, Item 6, PDF p. 24). The brand or advertising fund contribution is $350 (2026 FDD, Item 6, PDF p. 18). Other recurring fees are listed in Item 6. Details
- Does Motto Mortgage disclose financial performance (Item 19)?
- No. The reviewed Motto Mortgage FDD states that it does not make a financial performance representation in Item 19. Details
- How many Motto Mortgage locations are there?
- The FDD reports 154 outlets at the end of 2026 (2026 FDD, Item 20, PDF p. 58). Existing locations do not indicate territory availability. Details
From reviewed FDD figures only. Not a recommendation or projection.
What the disclosures show
- 1The 2026 FDD (Item 7) estimates opening costs separately by format: $55,700 – $208,250 (TOTAL ESTIMATED — $55700); $21,700 – $208,250 (Branch Office total estimated initial investment — lower estimate); several initial fee options apply.
- 2The franchisor makes no financial performance representation in Item 19.
- 3Outlets declined by 17 in 2026, to 154 (Franchised, as labeled in the FDD, Item 20).
From reviewed FDD figures only. Not a recommendation or projection.
Costs · Items 5–7
What does it cost to open?
Estimated opening costs and the fees payable to the franchisor.
Startup Investment — Item 7
Range across 2 single-unit formats
2026 FDD · Item 7
Formats disclosed in Item 7 (2)
Each format has its own total. The total depends on the format you choose.
- Branch Office total estimated initial investment — lower estimatePDF p. 26$21,700 – $208,250
- TOTAL ESTIMATED — $55700PDF p. 26$55,700 – $208,250
Ongoing Fees — Item 6
Selected recurring charges; payment bases and conditions remain attached to each fee.
- Royalty increase per additional loan originator beyond seven: $250Main ongoing fee
51 reported fees, each with its payment basis, are listed below; they haven't been sorted into recurring, initial and occasional groups yet.
Financial Performance — Item 19
What results are disclosed—and for which locations?
No financial performance representation in Item 19
The reviewed 2026 FDD for Motto Mortgage has no Item 19 figures on record. Franopolis does not estimate revenue or earnings in their place; ask the franchisor and current owners what unit-level information they can share.
Outlet Changes — Item 20
How has the outlet count changed?
Franchised, as labeled in the FDD · counts as of January 1–April 9, 2026 of each year.
2026 FDD · Item 20 · PDF p. 58
Net −95 outlets, 2023–2026
Year-end counts reported in Item 20. The scale starts at zero; the labels between the dots show each year's change. Openings and closures for 2026 haven't been pulled from the Item 20 tables yet, so no turnover or churn is shown.
Questions to investigate
Prompts based on what this brand's reviewed disclosures do and don't show — not conclusions. Join free as a member to save questions to your research.
For the franchisor
Which line items in the 2026 Item 7 estimate ($21,700 – $208,250) vary most by market, and why?
Which initial fee option would apply to my situation, and what conditions or discounts affect it?
Motto Mortgage reports no financial performance figures in Item 19. What information can you share about unit-level results?
Reported units decreased from 171 to 154 in 2026. What drove the change?
Is a territory available in my area, and how is it defined in my agreement?
For current and former owners
How did your actual startup costs and timeline compare with the Item 7 estimate?
How many hours a week do you work in the business, and in what role?
What support from the franchisor has been most and least useful?
For your advisors
Ask a franchise attorney to review the territory, renewal, transfer and termination terms.
Ask an accountant to build a cash-flow plan using your own assumptions, not the franchisor's.
Sources & vintage history
Every displayed fact is retained with its disclosure vintage, item, page, and reviewed status. Prior vintages remain on file rather than being overwritten.
Citations (2026 FDD)
- [1]Outlet counts — Item 20, Table 1 · PDF p. 58
"PDF p." is the page in the PDF file; "printed p." is the number printed on the FDD page. Source document: FDD
Territory & operations
176 addresses in Franopolis's imported location list. Coverage may differ from Item 20 outlet counts.
These are contract disclosures, not confirmation that any territory is currently available.
Legal & agreement
Franchisor financial statements
| Fiscal year | Measure | Reported value |
|---|---|---|
| 2025 | cash and cash equivalents | $41,550 |
| 2025 | total current assets | $43,233 |
| 2025 | property and equipment, net | $121 |
| 2025 | other assets | $993 |
| 2025 | total assets | $45,015 |
| 2025 | accounts payable | $155 |
| 2025 | accrued liabilities | $134 |
| 2025 | total current liabilities | $1,685 |
| 2025 | deferred revenue, net of current portion | $1,360 |
| 2025 | other liabilities, net of current portion | $533 |
| 2025 | member's equity | $41,437 |
| 2025 | total member's equity | $41,437 |
| 2025 | total liabilities and member's equity | $45,015 |
| 2025 | continuing franchise fees | $9,999 |
| 2025 | marketing fund fees | $831 |
| 2025 | franchise sales and other revenue | $1,765 |
| 2025 | total revenue | $12,595 |
| 2025 | selling, operating and administrative expenses | $14,725 |
| 2025 | depreciation and amortizationMore than one value recorded for this year — open the FDD source before comparing | $376 |
| 2025 | operating loss | -$3,337 |
| 2025 | interest income | $1,238 |
| 2025 | total other income | $1,238 |
| 2025 | net lossMore than one value recorded for this year — open the FDD source before comparing | -$2,099 |
| 2025 | depreciation and amortizationMore than one value recorded for this year — open the FDD source before comparing | $376 |
| 2025 | bad debt expense | $473 |
| 2025 | equity - based compensation expense | $1,294 |
| 2025 | other assets and liabilities | $715 |
| 2025 | deferred revenue, current and noncurrent | -$955 |
| 2025 | net cash used in operating activities | -$641 |
| 2025 | net cash used in investing activities | -$427 |
| 2025 | payments related to tax withholding for share - based compensation | -$462 |
| 2025 | contribution from member | $9,846 |
| 2025 | net cash provided by financing activities | $8,552 |
| 2025 | net increase in cash, cash equivalents and restricted cash | $7,484 |
| 2025 | cash, cash equivalents and restricted cash, end of period | $41,550 |
| 2025 | payment of contingent consideration | -$791 |
| 2025 | total operating expenses | $15,932 |
| 2025 | changes in operating assets and liabilities accounts and notes receivable, net of allowances | -$336 |
| 2025 | cash, cash equivalents and restricted cash, beginning of period | $34,066 |
| 2025 | net lossMore than one value recorded for this year — open the FDD source before comparing | -$2,099 |
| 2025 | fair value adjustments to contingent consideration | -$109 |
| 2025 | other intangible assets, net | $668 |
| 2025 | purchases of property, equipment and capitalization of software | -$427 |
| 2025 | dividend equivalents paid to holdings class a common stockholders | -$41 |
| 2025 | current deferred revenue | $586 |
| 2025 | accounts payable to affiliates | $68 |
| 2025 | total liabilities | $3,578 |
| 2025 | other current liabilities | $742 |
| 2025 | accounts and notes receivable, net of allowances | $189 |
| 2025 | other current assets | $1,494 |
| 2025 | marketing fund expenses | $831 |
| 2024 | cash and cash equivalents | $34,066 |
| 2024 | accounts and notes receivable, net of allowances | $326 |
| 2024 | other current assets | $1,652 |
| 2024 | total current assets | $36,044 |
| 2024 | property and equipment, net | $147 |
| 2024 | other intangible assets, net | $592 |
| 2024 | other assets | $1,472 |
| 2024 | accounts payable to affiliates | $202 |
| 2024 | accrued liabilities | $193 |
| 2024 | current deferred revenue | $827 |
| 2024 | other current liabilities | $1,470 |
| 2024 | total current liabilities | $2,712 |
| 2024 | deferred revenue, net of current portion | $2,074 |
| 2024 | member's equity | $32,764 |
| 2024 | total member's equity | $32,764 |
| 2024 | continuing franchise fees | $10,751 |
| 2024 | marketing fund fees | $896 |
| 2024 | total revenue | $13,786 |
| 2024 | marketing fund expenses | $896 |
| 2024 | depreciation and amortizationMore than one value recorded for this year — open the FDD source before comparing | $376 |
| 2024 | total operating expenses | $16,906 |
| 2024 | operating loss | -$3,120 |
| 2024 | interest income | $1,091 |
| 2024 | total other income | $1,091 |
| 2024 | net lossMore than one value recorded for this year — open the FDD source before comparing | -$2,029 |
| 2024 | depreciation and amortizationMore than one value recorded for this year — open the FDD source before comparing | $376 |
| 2024 | equity - based compensation expense | $1,793 |
| 2024 | fair value adjustments to contingent consideration | $5 |
| 2024 | changes in operating assets and liabilities accounts and notes receivable, net of allowances | -$8 |
| 2024 | other assets and liabilities | -$1,858 |
| 2024 | net cash used in operating activities | -$2,041 |
| 2024 | purchases of property, equipment and capitalization of software | -$445 |
| 2024 | payments related to tax withholding for share - based compensation | -$264 |
| 2024 | dividend equivalents paid to holdings class a common stockholders | -$65 |
| 2024 | net increase in cash, cash equivalents and restricted cash | $10,325 |
| 2024 | cash, cash equivalents and restricted cash, end of period | $34,066 |
| 2024 | total liabilities | $5,491 |
| 2024 | deferred revenue, current and noncurrent | -$566 |
| 2024 | net cash used in investing activities | -$445 |
| 2024 | contribution from member | $13,140 |
| 2024 | accounts payable | $20 |
| 2024 | other liabilities, net of current portion | $705 |
| 2024 | franchise sales and other revenue | $2,139 |
| 2024 | total assets | $38,255 |
| 2024 | net lossMore than one value recorded for this year — open the FDD source before comparing | -$2,029 |
| 2024 | bad debt expense | $246 |
| 2024 | total liabilities and member's equity | $38,255 |
| 2024 | selling, operating and administrative expenses | $15,634 |
| 2024 | net cash provided by financing activities | $12,811 |
| 2024 | cash, cash equivalents and restricted cash, beginning of period | $23,741 |
| 2023 | continuing franchise fees | $10,912 |
| 2023 | total revenue | $13,377 |
| 2023 | selling, operating and administrative expenses | $16,304 |
| 2023 | marketing fund expenses | $856 |
| 2023 | depreciation and amortizationMore than one value recorded for this year — open the FDD source before comparing | $253 |
| 2023 | operating loss | -$15,836 |
| 2023 | total other income | $457 |
| 2023 | net lossMore than one value recorded for this year — open the FDD source before comparing | -$15,379 |
| 2023 | depreciation and amortizationMore than one value recorded for this year — open the FDD source before comparing | $253 |
| 2023 | bad debt expense | $1,019 |
| 2023 | equity - based compensation expense | $2,087 |
| 2023 | changes in operating assets and liabilities accounts and notes receivable, net of allowances | -$907 |
| 2023 | other assets and liabilities | $958 |
| 2023 | deferred revenue, current and noncurrent | -$543 |
| 2023 | net cash used in operating activities | -$1,498 |
| 2023 | purchases of property, equipment and capitalization of software | -$453 |
| 2023 | net cash used in investing activities | -$453 |
| 2023 | payments related to tax withholding for share - based compensation | -$281 |
| 2023 | dividend equivalents paid to holdings class a common stockholders | -$62 |
| 2023 | contribution from member | $13,914 |
| 2023 | net cash provided by financing activities | $12,817 |
| 2023 | net increase in cash, cash equivalents and restricted cash | $10,866 |
| 2023 | cash, cash equivalents and restricted cash, beginning of period | $12,875 |
| 2023 | impairment chargeMore than one value recorded for this year — open the FDD source before comparing | $11,800 |
| 2023 | impairment chargeMore than one value recorded for this year — open the FDD source before comparing | $11,800 |
| 2023 | payment of contingent consideration | -$754 |
| 2023 | fair value adjustments to contingent consideration | -$786 |
| 2023 | cash, cash equivalents and restricted cash, end of period | $23,741 |
| 2023 | marketing fund fees | $856 |
| 2023 | total operating expenses | $29,213 |
| 2023 | net lossMore than one value recorded for this year — open the FDD source before comparing | -$15,379 |
| 2023 | franchise sales and other revenue | $1,609 |
| 2023 | interest income | $457 |
These figures describe the franchisor company, not individual franchise locations.
SBA-backed loans to franchisees
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Source: U.S. Small Business Administration 7(a) & 504 FOIA data. Loan volume is not a measure of franchisee success.
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At a glance
Business history
Not reviewed
Owner participation
Not reviewed
Territory language
Litigation disclosure
Not reviewed
Bankruptcy disclosure
Not reviewed
Agreement term
Not reviewed
Independent analysis of franchisor-provided data. Not investment advice. Franopolis does not distribute FDDs.