Profitable Middle TN Mortgage Brokerage - Turnkey, Owner Exiting
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Profitable Middle TN Mortgage Brokerage - Turnkey, Owner Exiting
Well-established residential mortgage brokerage serving Middle Tennessee, available for acquisition after five years of profitable owner-operation. The business generated approximately $394,000 of revenue on a trailing twelve-month basis, and its 2026 year-to-date production is running materially ahead of that pace. Seller's discretionary earnings are approximately $193,000 on a weighted multi-year basis and approximately $228,000 on the current annualized 2026 run rate.
Revenue is driven almost entirely by referral relationships with local REALTORS, builders, and past clients, supported by a client database built over five years. The operation is lean, with one part-time loan processor and coordinator in place who is expected to remain through transition. Systems, lender relationships, licensing, and workflow are established and documented.
The business occupies an attractive, recently completed 3,200 square foot professional build-out in a prominent downtown location. The premises are owned separately by the seller and are available to the buyer either by lease at market rent or by purchase in a separate transaction, giving the buyer flexibility on structure and capital deployment.
An ideal fit for a licensed mortgage loan originator seeking to own rather than produce for someone else, or for an existing mortgage or real estate firm looking to expand its Middle Tennessee footprint with an established book and a turnkey location. Seller will consider a modest note to a qualified buyer and will provide transition training.
Proof of funds and a signed confidentiality agreement are required before further information is released.
Well-established residential mortgage brokerage serving Middle Tennessee, available for acquisition after five years of profitable owner-operation. The business generated approximately $394,000 of revenue on a trailing twelve-month basis, and its 2026 year-to-date production is running materially ahead of that pace. Seller's discretionary earnings are approximately $193,000 on a weighted multi-year basis and approximately $228,000 on the current annualized 2026 run rate.
Revenue is driven almost entirely by referral relationships with local REALTORS, builders, and past clients, supported by a client database built over five years. The operation is lean, with one part-time loan processor and coordinator in place who is expected to remain through transition. Systems, lender relationships, licensing, and workflow are established and documented.
The business occupies an attractive, recently completed 3,200 square foot professional build-out in a prominent downtown location. The premises are owned separately by the seller and are available to the buyer either by lease at market rent or by purchase in a separate transaction, giving the buyer flexibility on structure and capital deployment.
An ideal fit for a licensed mortgage loan originator seeking to own rather than produce for someone else, or for an existing mortgage or real estate firm looking to expand its Middle Tennessee footprint with an established book and a turnkey location. Seller will consider a modest note to a qualified buyer and will provide transition training.
Proof of funds and a signed confidentiality agreement are required before further information is released.
About the Business
- Years in Operation
- 5
- Employees
- 1
- Facilities & Assets
- Founded and owned by a single licensed originator who has operated the business for approximately five years, building it from start-up to consistent six-figure discretionary earnings.
The business produced strong results across 2023 and 2024. During 2025 the owner devoted significant attention to a large commercial transaction that ultimately did not close, and residential production softened as a result. In 2026 the owner refocused exclusively on the residential channel, and results have responded sharply: monthly revenue has averaged approximately $41,000 in 2026 versus approximately $32,000 in the prior period, a gain of roughly 27 percent, achieved with a smaller producer headcount than the prior year.
The owner is exiting to pursue an unrelated career opportunity outside the mortgage industry, not because of any decline in the business. Financial records, tax returns, and monthly statements are available to qualified buyers under confidentiality.
- Market Outlook / Competition
- The business competes primarily with regional bank mortgage departments and national retail lenders. Its advantage is local reputation, direct owner accessibility, and speed of response, which have sustained referral relationships with area REALTORS and builders over five years.
As an independent brokerage the business can shop multiple wholesale lenders rather than a single product menu, which supports both pricing and approval flexibility on files that retail channels decline.
The primary risk a buyer should evaluate is producer concentration: the owner has been the principal originator. A buyer who is a licensed originator, or who brings licensed production capacity, is best positioned to capture the existing referral flow. The seller is prepared to support the transition and will consider structure that aligns both parties through the handoff. - Opportunities for Growth
- Several avenues are available to a motivated buyer:
Producer capacity. The business has recently operated with reduced originator headcount while still growing revenue. Adding one or two licensed originators to an existing referral pipeline and established office represents the clearest path to near-term growth.
Underserved geography. The market is positioned between Nashville and Chattanooga along the I-24 corridor, an area experiencing sustained residential growth and in-migration, with comparatively limited local independent brokerage competition.
Product expansion. Current production is concentrated in residential purchase and refinance business. Construction, renovation, investor, and commercial products represent adjacent lines the existing referral base could support.
Database monetization. Five years of closed-client records offer refinance and repeat-purchase opportunity that has not been systematically marketed.
Real Estate
- Owned or Leased
- Owned
- Not included in asking price
About the Sale
- Seller Motivation
- Industry Pivot
- Transition Support
- 4 Weeks
- Financing Options
- Financing Amount $35.000,00 ROI 10% Terms Months 24 Monthly Payment $1.615,07
Listing Info
- ID
- 2546559
- Listing Views
- 13
Listing ID: 2546559 The information on this listing has been provided by either the seller or a business broker representing the seller. BizQuest has no interest or stake in the sale of this business and has not verified any of the information and assumes no responsibility for its accuracy, veracity, or completeness. See our full Terms of Use. Learn how to avoid scams.
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