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Independent Mortgage Banks (IMBs)

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Your Partner in IMB Consolidation and Succession

Turk & Co. advises independent mortgage banks through market transitions, providing liquidity, protecting legacy, and unlocking value in a consolidating industry.

Why IMBs Are Selling Now

Owners are facing unprecedented headwinds. Beyond day-to-day market cycles, structural shifts are pushing many independents to consider a sale or strategic partnership.

Industry Consolidation: Larger players are acquiring to gain scale and market share.
Capital & Compliance Pressure: Rising costs make independence harder to sustain.
Margin Compression: Cyclical volume swings create volatility for owners.
Scarcity Premium: Quality IMBs are limited; motivated buyers compete for strong firms.

Who the Buyers Are

The IMB buyer universe is broader and more competitive than ever. We help clients identify the right fit, balancing financial return with cultural and operational alignment.

National and regional IMBs seeking scale
Banks expanding into mortgage origination
Private equity and family offices investing in platforms
Fintech entrants acquiring origination channels

Our Value Proposition

Every IMB transaction is different. Our role is to design structures that meet shareholder objectives while addressing the unique sensitivities of leadership, staff, and customers.

Creative Structures: Forward earnings, earn-outs, and hybrid deals that de-risk sellers while preserving upside.
Protecting Legacy: Safeguarding culture, employees, and customer relationships.
Proven Reach: National access to motivated and well-capitalized buyers.
Deep Expertise: Decades of experience advising niche financial services companies, including title, mortgage, and fintech.

Process Snapshot

Selling or recapitalizing an IMB is a multi-stage process that requires discretion, precision, and the ability to anticipate buyer concerns before they surface.

Confidential valuation & readiness assessment
Tailored buyer outreach & positioning
Negotiation & structuring of terms
Closing support & integration advisory

Considering your next move? Let's explore your options

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Testimonials

Turk & Co. came in at a critical moment and installed a true culture of execution

Turk & Co. came in at a critical moment and installed a true culture of execution. They brought clarity to our org chart, set weekly scorecards and KPIs, and created the operating rhythm we were missing. Their team wasn’t just advisory—they rolled up their sleeves: tightened our financial cadence with SLAs, helped us reset sales leadership and accountability, focused reps on closing ratios and profitable business, and pushed us to standardize SOPs across branches. They also helped us make hard calls (pause low-ROI initiatives, sanity-check JV viability) while coaching our operator toward a real COO seat with a measurable plan. If you need results—not noise—hire Turk & Co.

Mo Choumil

ATG Title

Turk & Co. stands out for their strong industry knowledge, strategic thinking, and consistent follow-through

We’ve worked with many advisors over the years, and Turk & Co. stands out for their strong industry knowledge, strategic thinking, and consistent follow-through. In a recent AMC transaction, Turk & Co. led the process with professionalism, discretion, and a nuanced understanding of the market.

What truly set them apart was their focused, methodical approach—executed with near-surgical precision—to identifying the right company for us. They balanced strategic alignment, cultural compatibility, and long-term potential with remarkable clarity.

Turk & Co. maintained the highest standards throughout the entire process—organized, responsive, and fully aligned on the mission. Their ability to move efficiently while keeping attention on the details made the experience both smooth and effective. On a personal level, Howard Turk is candid, steady under pressure, and deeply engaged. We valued both his insight and his judgment, and look forward to working with him and his team again.

Cameron Reilly

Dara Knot Capital Partners

Turk & Co. has presented options for my future that I never dreamed possible

I own a small group of title businesses. My companies are quite profitable, but I had hit a ceiling on managing the businesses and saw no path to growing them any further. I, honestly, was very frustrated that I just couldn’t figure out what to do. I contacted Turk & Co., not knowing if they would simply tell me that I am too small a fish for them to mess with. Well, that is the opposite of what happened.

After looking at my information, Turk & Co. agreed that I could benefit from having one of their consultants work with me. They systematically helped me and my team in ways that I could not have foreseen. I had almost given up hope that I had the staff in place to really help me manage the business, but Turk & Co. showed me otherwise. By coaching me and my key staff leaders, they helped me see where I needed to change my management style to empower my team to be more than I ever dreamed that they could be. Further, they coached each of my key team members in a way that I simply was not capable of doing. They did all of this in such a systematic and encouraging manner that they quite literally helped us change the entire culture of our organization. Oh, and by the way, they were able to help us do all of this (and more) in less than six months. Not only do I now have confidence in my team, I am re-energized to continue to work with my team to grow my company.

Now I am in a position of having multiple options. In addition to the consulting services, Turk & Co., has presented other options for my future that I never dreamed possible. Thank you, Turk & Co.

I cannot say strongly enough how highly I recommend Turk & Co.

Alan Judge

ADM Title Services

Turk & Co. masterfully wove together the pieces that moved this transaction along.

Turk & Co. masterfully wove together the pieces that moved this transaction along. Their team brought to the table not only a refined skillset in transactions, but equally important their deep understanding of the title insurance industry. We are grateful for Turk & Company’s hard work in facilitating this transaction.

Stephen Routh

Northwest Title, First Hawaii Title

Turk & Co. stands out as a true leader and trusted partner in the title industry

Turk & Co. stands out as a true leader and trusted partner in the title industry. From our very first conversation, it was clear that their knowledge and experience were unparalleled. Turk & Co. has an extraordinary ability to understand not only the technical and operational aspects of a business but also its culture, vision, and unique qualities that make it special. This holistic approach allowed them to align us with the perfect partner, ensuring a seamless fit that will propel our growth.

Throughout the process, Turk & Co. team’s guidance was indispensable. They brought clarity to complex situations, navigated potential obstacles with ease, and offered solutions that were both practical and innovative. Their ability to balance strategic thinking with meticulous attention to detail ensured every decision was well-informed and in our best interest. They are approachable, responsive, and deeply committed to ensuring a positive outcome. Working with Turk & Co. is not just a transaction—it’s a partnership built on trust, respect, and a shared vision for success. The firm’s expertise, dedication, and results-driven approach are unmatched, and we couldn’t be more grateful for their contributions to our journey.

Stephen J. Papermaster

First Title & Escrow

We had the pleasure, and great fortune, to engage Turk & Co. to represent OceanFirst on our recent acquisition

We had the pleasure, and great fortune, to engage Turk & Co. to represent OceanFirst on our recent acquisition of Trident Abstract Title Agency, LLC. Turk & Co.’s team of title professionals expertly guided us through the entire process, providing sage tactical and strategic guidance along the way. Howard Turk is the consummate professional and a true gentleman, who’s known and respected in C-Suites throughout the title industry. Turk & Co.’s team is a treasure trove of knowledge and experience, which they impart in a logical and forthright manner. They are a trusted partner; and I look forward to collaborating with them on growing our title business via future acquisitions and related endeavors.

Anthony Giordano, III

Executive Vice President / Chief Retail Banking Officer, OceanFirst Bank, N.A., NASDAQ: OCFC

Turk & Co. has been one of our closest advisors throughout our growth here at WWLT.

Turk & Co. has been one of our closest advisors throughout our growth here at WWLT. The team’s insight and wherewithal in the title space are unparalleled, and their guidance and friendship have always been treasured by the World Wide family. Turk & Co.’s assistance throughout this process was vital, making sure we found the right fit for our next stage of growth. We greatly appreciate their guidance.

Marc Shaw

CEO, World Wide Land Transfer

Our experience with Turk & Co. in selling US Title was wonderful.

Our experience with Turk & Co. in selling US Title was wonderful. They are the REAL THING, and extremely well connected. My partner and I have worked hard to build our company and it was important to us that we immediately felt we could trust Turk & Co. to look after our best interests and exercise judgment prudently. Their experience and strong reputation in the title industry made all the difference in helping us navigate our transaction to close. Communication was so easy because they understood our business. The team almost intuitively knew who the right buyer would be and was instrumental in helping us close the deal. We’re thrilled with the result and whole heatedly recommend anyone considering selling their title agency to call Turk & Co.!

Steve Borget

President, US Title Insurance Agency

Turk & Co. has been a wonderful value-add to us as we continue to grow and scale our business.

Turk & Co. has been a wonderful value-add to us as we continue to grow and scale our business. Not only are they incredibly knowledgeable, with more than 20 years in the industry, but they are generous with their time and resources. Turk & Co.’s team is a trusted extension of our team and I highly recommend them for both their expertise and unique approach to problem solving.

Patrick Burns

CEO Spruce

Caution!!! Only hire Turk & Co. if you want someone with the highest intelligence

Caution!!! Only hire Turk & Co. if you want a partner with the highest intelligence, sophisticated understanding of the settlement services industry, creative ability to seek out and engineer new opportunities in this space, determination and persistence, along with a tremendous network of industry contacts and resources. Howard Turk literally has no peer in this business. I have known Howard for 20+ years and can’t think of anyone better qualified than his team to help drive your business forward, or arrange an exit sale of your agency. I always keep Turk & Co.’s phone # close at hand. They are one of my go-to resources in the title business. They should be in your Rolodex too.

Jim Dufficy

President of MRDP US (MunichRe Digital Partners)

I was introduced to Turk & Co. as an industry consultant that was willing and able to help our senior management team with the fine tuning of our organizational set-up and flow chart as we continued to grow.

I was introduced to Turk & Co. as an industry consultant that was willing and able to help our senior management team with the fine tuning of our organizational set-up and flow chart as we continued to grow. It didn’t take long to understand their stature in the industry and how large the network was that they were able to tap in to at an instance notice to give additional insight, support and direction. Howard Turk’s pedigree in our world is one that has been developed over a number of decades in numerous roles. He seems to be able to integrate is legal background, he is an attorney too, and still blend a common sense approach with a legal one. In the end you will find him and his team easy to talk to and deal with and also feel somewhat protected from a possible legal pitfall. You will also find them open and honest in your discussions with them.

One of Turk & Co.’s greatest assets is their ability to create a balance between the areas of sales and operations and not simply focus on one or the other. This has been a huge advantage for us and helped to develop our relationship more quickly. I would recommend this to anyone that is contemplating the use of their services — if you’re open to the inevitability of change, a call to them won’t cost you a dime, the long-term benefits of the relationship could be immense for you and your operation.

Thank you.

Mark Myers

Chief Executive Officer, Meridian Title Corporation

Mid South Title is a satisfied customer of Turk & Co.

Mid South Title is a satisfied customer of Turk & Co. Their team exhibit the best qualities when it comes to the title insurance M&A and consulting business. They are approachable, responsive, knowledgeable and diligent. Turk & Co. have corralled the meandering title M&A business over the last few years, and have established themselves as the leader in this unique space.

No matter your size or your goals, Turk & Co. can successfully guide you as they have guided Mid South Title.

I would refer Turk & Co. to any title-related entity looking to formulate an exit strategy, or grow their business.

M. Taylor Hewgley

Owner & Chief Operations Manager

Turk & Co. is hands down the most knowledgeable firm to turn to when you wish to sell, merge or otherwise exit the title business

I’m an attorney who has owned a title business for almost 30 years. Turk & Co. is hands down the most knowledgeable firm to turn to when you wish to sell, merge or otherwise exit the title business. They helped me, and I am thrilled with my outcome. I took their advice on everything, and that was a very good decision. I highly recommend Turk & Co. Howard Turk is also a very nice man and extremely easy to talk to and deal with.

Mike Selinfreund

I want to thank Turk & Co. for the guidance on this transaction and hopefully future ones.

I want to thank Turk & Co. for the guidance on this transaction and hopefully future ones. It allowed Jeff and I to step back and give us a range to offer and give them something to think about with their conditions of sale.

Patrick Doyle President

Doyle Law Firm, PLLC

Our experience with Turk & Co. has shown that they can be counted on to consistently add value to our company through practical problem solving

Our experience with Turk & Co. has shown that they can be counted on to consistently add value to our company through practical problem solving, leveraging of his robust and well connected network and through out of the box thinking. Turk & Co. has helped our management team navigate difficult situations, create innovative products and enhance the value proposition we offer to our customers. They’ve been an extremely valuable resource that has played a central role in many of our most successful initiatives.

Eric Morgan

President, Attorneys Title Guaranty Fund

Turk & Co. is one of the most dedicated firms in the industry

Turk & Co. is one of the most dedicated firms in the industry. In the years we have worked with Turk & Co., they have always taken a proactive approach to doing business. Howard Turk is a valuable resource who possesses high energy and who consistently brings innovative ideas to add value in any organization.

Operating Committee of BRPS Title.

Brookfield (NYSE:BAM) JV

Selling Title Insurance is all about people skills and relationships. Be honest, sincere and “listen” with your prospects.

Selling Title Insurance is all about people skills and relationships. Be honest, sincere and “listen” with your prospects. Face time is critical so get “out” there and be in front of your prospects. Network with meaningful contacts and manage your time!

Dennis Dovie

Business Development, InfinityTitle Agency, Inc

I want to thank Turk & Co.’s team for your timely efforts and professionalism regarding our potential acquisition

I want to thank Turk & Co.’s team for your timely efforts and professionalism regarding our potential acquisition. We definitely picked the right partner to review our target. We look forward to working with you in the future.

Steve Varckette

President & CEO, Andover Bank

We are immensely grateful to Turk & Co for their invaluable industry insights and guidance

We are immensely grateful to Turk & Co for their invaluable industry insights and guidance.

President and CEO of Timios

Title sales is a highly rewarding career, but one filled with ambiguities.

Like so many complex challenges, title sales requires a tightly defined process, well reasoned approaches, realistic expectations and the willingness to work hard. Title 123 provides everything but the work, but if you follow the process you will succeed. This is without question the best sales training ever offered in title sales, and offered at a price so low it should be considered a public service. Do it!

Barry Flavin

Principal, Barry Flavin Co

In my twelve years in the title insurance industry, this is the first and only sales training video I have seen specifically tailored to selling title insurance.

In my twelve years in the title insurance industry, this is the first and only sales training video I have seen specifically tailored to selling title insurance. I think it is an excellent and comprehensive program that will be valuable to both experienced title insurance salespeople and newcomers. I highly recommend it to anyone currently working in sales in the title insurance industry or anyone looking to get involved in the industry. We have made it required viewing for all our salespeople and new trainees.

Marc Lawrence

Partner, Executive Director NY Office and National Sales Manager, World Wide Land Transfer

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