Finance & Insurance · NAICS 522310

Mortgage Broker Valuation Multiples (2026)

Mortgage brokers are highly cycle-dependent. Diversified product mix and strong purchase pipeline support 0.7× revenue and 3.5× EBITDA, while refi-heavy books may struggle to clear 0.4× revenue.

SDE multiple
1.5×
1.2–2×
EBITDA multiple
2.5×
2–3.5×
Revenue multiple
0.5×
0.4–0.7×

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Industry: Mortgage Broker · Finance & Insurance

Premium drivers

  • ↑Diversified product mix (purchase, refi, jumbo, FHA)
  • ↑Strong retail referral base
  • ↑Loan officer retention > 80%
  • ↑Builder / agent partnerships

Discount drivers

  • ↓Refi-only book in rising-rate environment
  • ↓Single-LO concentration
  • ↓Compliance violations / regulatory risk
  • ↓Rate-cycle dependence

Who buys mortgage broker?

Larger mortgage broker, retail bank, or PE-backed lending platform

Typical timeline + revenue band

  • Days to close: 60–150
  • Revenue band these multiples apply to: $500K–$3.00M
  • NAICS: 522310 (Finance & Insurance)

5 levers that lift your Mortgage Broker multiple by 30-50%

  1. 1
    Lock in recurring revenue
    Convert the top of your mortgage broker revenue stack into multi-year contracts, retainers, or auto-renewing subscriptions. Buyers pay 25-40% more for revenue they don't have to re-win every quarter.
  2. 2
    De-risk customer concentration
    Aim for no single customer above 15% of revenue. If you have a > 25% client, get them on a multi-year master services agreement before going to market.
  3. 3
    Document the business out of the owner
    Larger mortgage broker, retail bank, or PE-backed lending platform will discount aggressively for any function that lives in the owner's head — sales, key vendor relationships, pricing, hiring. Run the next 90 days like the owner is on a 6-week vacation.
  4. 4
    Clean up the financials
    Get a Quality of Earnings-ready trailing 12 months: GAAP-aligned, owner add-backs documented, no commingled personal expenses. This alone moves the multiple 0.5-1.0× upward in this category.
  5. 5
    Match the deal to the right buyer pool
    PE-backed roll-ups, strategic acquirers, and ETA buyers compete on different terms. List with someone who has run a process for mortgage broker acquisitions — generic SMB brokers will leave 20%+ on the table.
Run the full Exit Readiness Assessment →
Personalized Mortgage Broker valuation, action plan, and ideal-buyer profile.

FAQ — Mortgage Broker valuations

What's a typical mortgage broker valuation multiple?▾

Typical mortgage broker valuations land near 1.5× SDE, 2.5× EBITDA, or 0.5× revenue. Strong operators reach 2× SDE / 3.5× EBITDA / 0.7× revenue, while weaker operators stay closer to 1.2× SDE / 2× EBITDA / 0.4× revenue.

How long does it take to sell a mortgage broker?▾

Most mortgage broker deals close in 60–150 days from listing. Strong operators with clean financials and a documented buyer pool close on the lower end.

Who buys a mortgage broker business?▾

Larger mortgage broker, retail bank, or PE-backed lending platform

What pushes a mortgage broker valuation to the high end?▾

Diversified product mix (purchase, refi, jumbo, FHA). Strong retail referral base. Loan officer retention > 80%. Builder / agent partnerships.

What forces a discount when selling a mortgage broker?▾

Refi-only book in rising-rate environment. Single-LO concentration. Compliance violations / regulatory risk. Rate-cycle dependence.

Other Finance & Insurance categories

Insurance Agency
2.8× SDE · 5× EBITDA
Wealth Management / RIA
3.5× SDE · 7× EBITDA
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