Mortgage Brokerage Business Valuation
Mortgage Brokerage Valuation Calculator & Exit Planning Built for Brokers
We built one platform that tracks your mortgage brokerage's value monthly, identifies exit gaps early, and ensures your personal finances align with your exit timeline.
1,000+ Businesses have joined YourExitValue.com
Most Mortgage Brokers Have No Idea What Their Business is Actually Worth
Current Mortgage Broker Valuation Multiples (2026)
Mortgage brokerage valuations depend on loan volume, referral relationships, and team structure. Here's the market:
Every business is different. That's why you need to track your value.
Included in Your Exit Value is a complete Exit Planning Assessment where you track your progress quarterly against your results from the previous quarter.
Know your number and watch it grow
Most business owners guess at their value. You'll know it with precision.
Our platform uses six proven valuation methodologies to give you a complete picture of what your business is worth today—and tracks how that number changes month over month. No more waiting for annual appraisals or paying $15K+ for outdated reports.
See your trends. Spot opportunities. Make informed decisions
What Actually Drives Mortgage Brokerage Value
Your loan volume matters, but sophisticated buyers evaluate these factors that determine premium pricing:
Referral Diversification
Multiple Referral Sources
Where do your loans come from? Brokerages dependent on one or two realtors face concentration risk that buyers discount heavily. Diversified referral sources—multiple real estate agents, builders, financial advisors, past client referrals—demonstrate sustainable deal flow. Track your referral sources carefully; diversification significantly impacts value.
Concentrated referrals = dangerous dependency
Loan Officer Team
Multiple Licensed LOs
If you're originating all the loans yourself, buyers are purchasing your personal production, not a business. Loan officers who bring their own relationships and production create transferable value. Building a team of licensed LOs—even if they're handling your overflow—demonstrates scalability beyond your personal capacity.
Owner-only production = key person risk
Referral Relationship Ownership
Company vs Personal Relationships
Do realtors refer to your company, or to you personally? This distinction matters enormously for transferability. If relationships are with the brokerage—reinforced by co-marketing, consistent service, and multiple touchpoints—they're more likely to continue under new ownership. Personal relationships may walk out when you do.
Personal relationships = transition risk
Production Consistency
Stable Volume Across Cycles
Mortgage is cyclical—refi booms come and go. Brokerages that maintain reasonable purchase volume regardless of rate environment demonstrate resilience. Heavy refi dependence means volume craters when rates rise. Buyers value consistency; show them 3+ years of volume that isn't entirely rate-dependent.
Refi-dependent = rate cycle risk
Lender Relationships
Multiple Wholesale Lenders
Brokerages with relationships across multiple wholesale lenders can offer competitive rates across scenarios. Over-dependence on one lender creates risk—what if their pricing becomes uncompetitive or they exit the market? Diverse lender relationships demonstrate market sophistication and provide pricing flexibility.
Single lender = pricing vulnerability
Compliance Infrastructure
Clean Compliance Record
Mortgage is heavily regulated. Proper licensing, compliant processes, clean audit history, and documented procedures are essential for any transaction. Compliance issues—even historical ones—create buyer concern about regulatory risk. Maintain impeccable compliance and documentation; it's not just good practice, it's essential for value.
Compliance issues = deal complications
How to Value a Mortgage Brokerage
The U.S. mortgage brokerage market includes over 20,000 companies generating billions in origination fee revenue. Mortgage brokers connect borrowers with lenders, earning origination fees on each loan closed.
Seller's Discretionary Earnings (SDE) is the primary valuation method. Mortgage brokerages typically sell for 1.0x to 2.5x SDE. Brokerages with diversified loan officer teams, strong lender relationships, and consistent monthly production command the higher end.
Revenue multiples generally range from 0.25x to 0.60x annual revenue. Brokerages with multiple producing loan officers and a pipeline of pre-approved borrowers achieve the upper end.
The unique valuation factor for mortgage brokerages is the loan officer team retention and production consistency. Mortgage revenue is generated by individual loan officers who have their own client relationships and referral networks. If key loan officers leave post-acquisition, they take their production — and their revenue — with them. Brokerages with employment agreements, non-compete clauses, and compensation structures that incentivize retention are significantly more valuable. Production consistency through rate cycles demonstrates resilience, while extreme dependence on refinance volume creates cyclical risk.
The mortgage industry is highly cyclical and rate-sensitive. Brokerages that have maintained profitability through rising rate environments demonstrate the operational discipline buyers seek. Use our free calculator above to get your instant estimate, then track your value monthly with YourExitValue.
Frequently Asked Questions
What multiple do mortgage brokerages sell for?
Most mortgage brokerages sell for 1.5x – 3.0x SDE. Brokerages with diversified referrals, multiple loan officers, and consistent purchase volume command the higher end.
How do referral relationships transfer?
It depends on whether relationships are personal or company-based. Company-level relationships reinforced by co-marketing and consistent service are more likely to continue. Personal relationships may not survive ownership transition.
Who buys mortgage brokerages?
Larger mortgage companies expanding, individual loan officers seeking to own a brokerage, banks adding mortgage capability, and occasionally PE-backed mortgage platforms building scale.
How does market cycle affect mortgage brokerage value?
Significantly. Refi-dependent brokerages face volume swings with rate changes. Buyers value consistent purchase volume that demonstrates resilience regardless of rate environment.
Should I build a loan officer team before selling?
If possible, yes. Multiple LOs with their own production create transferable value beyond your personal origination. Even one additional producer significantly reduces key person risk.
What's the fastest way to increase my mortgage brokerage value?
Three high-impact moves: 1) Diversify referral sources so no single relationship dominates, 2) Build or hire loan officers with their own production, 3) Develop company-level (not personal) relationships with referral partners.