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Profitable Middle TN Mortgage Brokerage For Sale

Coffee County, Tennessee, US
Asking Price:
$350,000 Furniture / Fixtures included
Sales Revenue:
$449,122
Cash Flow:
$228,201

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.

Property Information

Real Estate:

Lease

Business Operation

Expansion Potential:

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.

Competition / Market:

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.

Reasons for selling:

Industry Pivot

Employees:
1
Years established:
2021

Other Information

Support & training:

4 Weeks

Furniture / Fixtures value:
$6,850 - included in the asking price