Franchise Facts Report → brands → Motto Mortgage
Motto Mortgage franchise — is it worth it?
Risk level — in the report
Motto Mortgage is a financial services franchise with a significant royalty and ad fund fee structure.
Unlock what the free page above only hints at:
- Risk & red-flag breakdown — what the missing earnings, fees and churn imply.
- How it compares — every number ranked against financial services peers (median & quartile).
- Litigation detail — beyond the case count above: each case, franchisee vs. corporate, with summaries.
- Outlet churn & the questions to ask — behind the net change above: closures, terminations, transfers, and what to put to the franchisor.
Figures above are as disclosed in Motto Mortgage's most recent FDD (registered 2025). Source: Minnesota Dept. of Commerce — CARDS franchise registrations · filing 35220-202601-05. The risk level, the Item 19 figures, how it compares to peers, and the litigation & churn detail are in the full report.
Motto Mortgage franchise profit — what the FDD discloses
Plainly: Motto Mortgage does not disclose franchise profit or revenue. Its most recent FDD makes no Item 19 financial performance representation, so there is no franchisor-backed earnings figure for Motto Mortgage — any number quoted elsewhere is an estimate, not a disclosure. The absence is itself worth weighing (many financial services franchisors do disclose), and the full report reads the risk signals Motto Mortgage's FDD does contain — fees, litigation, and outlet churn — against peers. For brands that put earnings on paper, see Financial services franchises with disclosed Item 19 earnings.
Motto Mortgage lawsuits & legal history (FDD Item 3)
Motto Mortgage's most recently filed Franchise Disclosure Document (2025) does disclose legal proceedings in Item 3 . Item 3 is the item where a franchisor must put its material legal history on the record. Two things it is not: it covers the franchisor and its predecessors, parents and affiliates, so a disclosed case is not necessarily a suit against Motto Mortgage itself; and a disclosure is a fact, not a finding of wrongdoing — most entries are contract disputes with former franchisees, which every large system accumulates. The full Motto Mortgage report lists each case with what it was about and how it ended, separates franchisee disputes from corporate and securities matters, and flags the ones a franchisee started — the split that actually matters, because franchisees suing their franchisor is the signal a buyer is looking for.
Motto Mortgage closures & failure rate
Before you sign, Motto Mortgage will hand you a list of current owners to call as references — and they choose who's on that list. It won't include the owners who quit, got bought out, or were forced out last year. The FDD does report that number, even though the reference list leaves those people off. Below is what Motto Mortgage's most recent filing shows, and whether it's normal for a financial services of this kind.
The closest thing an FDD has to a failure rate is Item 20 — outlet openings, closures, terminations and non-renewals, reported by the franchisor. Motto Mortgage's latest tables show significant franchisee turnover. The actual closure and termination counts, and how Motto Mortgage's churn ranks against financial services peers, are in the full report.
The risk & red-flag breakdown, every figure ranked against financial services peers, litigation and churn detail — emailed as a PDF.
Who owns Motto Mortgage?
Motto Mortgage's franchise is offered by MOTTO FRANCHISING, LLC — the franchisor named on the cover of its most recently filed Franchise Disclosure Document (2025), and the entity a franchisee actually signs with. That name comes straight off the filing at MN CARDS; it identifies the franchisor, not necessarily the ultimate parent company behind it.
Other financial services franchises
Anyone weighing Motto Mortgage is really weighing it against the other brands their money could go into. These are the closest by total initial investment (FDD Item 7), each with its own FDD-based page.
Motto Mortgage franchise — frequently asked
Who owns Motto Mortgage — who is the franchisor?
Motto Mortgage's most recently filed FDD (2025) names MOTTO FRANCHISING, LLC as the franchisor — the entity you would actually sign the franchise agreement with, as stated on the disclosure document itself. A registry filing names the franchisor, not necessarily its ultimate parent company.
How much does a Motto Mortgage franchise cost?
Motto Mortgage's most recently filed FDD (Item 7) puts the total estimated initial investment at a range disclosed in Item 7, with an initial franchise fee of $35,000 and a 10% royalty. That price is the franchisor's own estimate of what it takes to open, not a quote. The full report breaks down every fee line and benchmarks it against financial services peers.
How much profit does a Motto Mortgage franchise make?
Motto Mortgage makes no Item 19 financial performance representation, so there is no franchisor-disclosed revenue or profit figure for Motto Mortgage at all — and profit would never be disclosed even where earnings are, because it depends on your rent, labour and how you operate. Any profit figure quoted elsewhere is an estimate, not a disclosure.
Does Motto Mortgage disclose financial performance (Item 19)?
No — Motto Mortgage's most recent FDD makes no Item 19 financial performance representation. Its absence is worth weighing; the report focuses on the verifiable risk signals instead.
Are there lawsuits against Motto Mortgage?
Motto Mortgage's most recently filed FDD (2025) discloses legal proceedings in Item 3. Item 3 covers the franchisor, its predecessors, parents and affiliates — so a disclosed case is not necessarily a suit against Motto Mortgage itself, and a disclosure is not a finding of wrongdoing. The full report lists each case, separates franchisee disputes from corporate and securities matters, and flags the franchisee-initiated ones.
Is Motto Mortgage a good franchise to buy?
That comes down to how Motto Mortgage's investment, earnings, litigation and franchisee churn stack up against financial services peers — which is exactly what the full report answers. For $99 you get the risk level and what's driving it, the actual Item 19 earnings (absent from this FDD), where every figure ranks against peers, and the specific questions to ask the franchisor before you sign.
Everything the sections above point to, in one place: Motto Mortgage's risk level and what's driving it, what the missing Item 19 earnings imply, every figure ranked against financial services peers, and the litigation & churn detail — with the questions to put to the franchisor before you sign.
Get a free email when something changes on Motto Mortgage or financial services: a new FDD registration, a new lawsuit, an outlet count that shifts, or Item 19 earnings going from undisclosed to disclosed. Pulled straight from the same registries every report is built on.