Financial Concepts Mortgage, LLC
- Cindy GlennHome Loan Officer · Company website
How we got $20.7M
Based on its 29 employees and its payroll, both reported for PPP in 2020 and brought up to date.
What we know
What they do
Financial Concepts Mortgage, LLC is a mortgage lender in Edmond, OK; its site offers a mortgage calculator and an online home loan application led by loan officer Cindy Glenn.
From the company's website. Industry: Real Estate Credit.
Estimated value over time
▲ 26% since 2020Today's estimate scaled by the headcount reported each year and that year's prices. A trend, not a record of past sale values.
Employees over time
Show as table
| Year | Source | Employees | Est. revenue |
|---|---|---|---|
| 2020 | PPP loan | 29 | $9.2M |
| 2020 | Form 5500 | 22 | $7.0M |
Participants are employees in the company's retirement plan at year end, from its Form 5500 filing with the Department of Labor. They usually run a little under total headcount (part-timers and new hires may not be eligible). Revenue and EBITDA apply this industry's revenue per employee and margin to each year's count.
Compared with similar businesses nearby
| Business | Est. revenue | Distance |
|---|---|---|
| FINANCIAL CONCEPTS MORTGAGE, LLC this business | $10.7M | — |
| C.M. INVESTMENTS COPORATION Edmond · 1 employees | $504K | 1.3 mi |
| OAKEN GROUP LLC Edmond · 7 employees | $7.1M | 1.8 mi |
| VLN, INC Edmond · 9 employees | $4.4M | 1.8 mi |
| MATAFUND CORPORATION Edmond | $8.3M | 2.4 mi |
| FLASH CASH, INC. Edmond · 4 employees | $1.5M | 2.6 mi |
| PROFESSIONAL INSURANCE AGENCY COPORATION OF OKLAHOMA, INC. Edmond · 6 employees | $2.4M | 3.8 mi |
The full calculation
| Employees reported to the SBA | 29 |
| Revenue from headcount (employees × revenue per employee for companies this size) | $11.6M |
| Revenue from PPP payroll (payroll ÷ payroll's share of revenue for companies this size) | $7.6M |
| Estimate: the two combined (geometric mean) | $10.7M |
| EBITDA margin (industry, adjusted for size) | 35% |
| EBITDA = revenue × margin | $3.8M |
Figures are shown toward the upper part of their range rather than at its middle.
Brought up to date assuming revenue has grown 8% a year since 2020, when the PPP figures were reported; included above.
| Estimated value = EBITDA × typical sale multiple | $20.7M |
| Multiple for this size and industry | 5.5× |
| Value range | $10.9M – $28.3M |
| Revenue range | $7.0M – $12.2M |
| EBITDA range | $2.5M – $4.3M |
| Industry (NAICS) | Real Estate Credit (522292) |
EBITDA margin: from IRS tax returns of S corporations in this industry (2019–2022), adjusted for company size: smaller companies typically run higher margins. EBITDA here is after owners' salaries.
Benchmarks: US Economic Census 2022, OK. PPP loans were sized on 2019–2020 payroll, so figures reflect that period. These are statistical estimates, not reported financials. Full methodology
History & advisors
Advisors
- BankingRCB BankPPP / SBA lender
From the company's own website and public filings (DOL Form 5500, IRS Form 990, SBA). Roles are as stated there and may be out of date.
Banking relationships
| RCB Bank PPP 2020 | All 1,690 borrowers → |
From PPP and SBA loan records, which name the bank but not the individual banker.
PPP loans
| Approved | Draw | Amount | Jobs |
|---|---|---|---|
| 4/10/2020 | first | $311K | 29 |
Public records
Matched to this business by name and address from public government data; a match can occasionally be wrong.
About Financial Concepts Mortgage, LLC
Financial Concepts Mortgage, LLC is a real estate credit company in Edmond, Oklahoma, in business since 2017. Its estimated annual revenue is about $10.7M, with roughly $3.8M of EBITDA. It has about 22 employees. Its estimated business value is $20.7M (likely range $10.9M–$28.3M).
Common questions
- Who owns Financial Concepts Mortgage, LLC?
- The owner of Financial Concepts Mortgage, LLC isn't in public records we've found yet. If you own or run the business, you can add or correct its details on SeeBITDA.
- How much revenue does Financial Concepts Mortgage, LLC make?
- SeeBITDA estimates Financial Concepts Mortgage, LLC's annual revenue at about $10.7M (likely between $7.0M and $12.2M), based on public records such as its PPP loan and retirement-plan filings, brought up to 2026.
- What is Financial Concepts Mortgage, LLC worth?
- About $20.7M, roughly 5.5× its estimated EBITDA of $3.8M, typical for a real estate credit company its size. Likely range: $10.9M–$28.3M.
- How many employees does Financial Concepts Mortgage, LLC have?
- About 22, from its 2020 retirement-plan filing.
- When was Financial Concepts Mortgage, LLC founded?
- Financial Concepts Mortgage, LLC has been in business since 2017.