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Mortgage & Title Company Valuation Calculator
Mortgage and title businesses are valued on how durable their referral flow is once the founder steps back. Enter your figures for a range.
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How this valuation is worked out
These businesses trade at roughly 3 to 6 times EBITDA, normalised across the rate cycle rather than off a single boom or bust year. Buyers underwrite the referral relationships and whether the loan officers or closers will stay.
A worked example
A title agency with $1.6M of revenue and $320K of EBITDA. At 3.5–5× that is $1.1M–$1.6M; steady referral relationships with realtors and lenders are what protect the multiple through rate cycles.
Multiple ranges reviewed September 2026, based on offers buyers in our network are making today. They are a guide, not a quote — see how the process works.
What moves your number
- Referral sources and whether they belong to the firm or an individual
- Loan officer or closer retention after the sale
- Purchase versus refinance mix through the cycle
- Licensing across states and compliance history
Want the full picture? What Is My Mortgage or Title Company Worth?
Common questions
Which year do buyers use?
Usually a normalised average across the cycle, since a refinance boom year is not repeatable.
Do state licences transfer?
Not automatically. Buyers plan for re-licensing, and gaps in coverage affect the price.
Is title worth more than origination?
Often yes, because title revenue is steadier and less exposed to rate swings.