Mortgage Technology Business — Business Valuation Multiple
EBITDA Valuation Guide · Small & Mid-Sized Businesses
Actual EBITDA multiples can vary materially based on EBITDA size, growth, recurring revenue, margins, customer concentration, owner dependence, geography and other company-specific factors.
Min
5.5×
Typical
7.5×
Max
11×
Revenue Model
Recurring
Capital Intensity
Low
A typical multiple of 7.5× EBITDA reflects mid-market transactions in the $1–$50M revenue range.
Overview
Mortgage technology businesses typically trade at 5.5×–11× EBITDA. Recurring SaaS licence income from lenders or brokers, regulatory compliance integration, and open banking connectivity support premium valuations. API-driven architecture and high switching costs once embedded in mortgage origination workflows are key competitive advantages. Regulatory change and lender technology investment cycles are the primary risk factors.
Key Value Drivers
- Recurring SaaS licence from lenders and brokers
- Regulatory compliance integration
- Open banking and credit data connectivity
- High switching costs once embedded
- API-driven modular architecture
Key Risks
- Regulatory change requiring rapid development
- Lender technology investment cycle delays
- Competition from large core banking providers
- Housing market cyclicality
- Data security obligations
Related Industries
Disclaimer: All multiples are indicative estimates only and are not formal valuations or investment advice. They should not be relied upon for financial decision-making without independent professional advice.