Google Ads Agency — Mortgage Brokers

Stop Paying $35–$45 Per Click
for Borrowers Who Are Just Comparing Rates

Ad Boost builds intent-driven Google Ads campaigns that capture mortgage leads who are ready to apply — not just shopping for numbers they will never act on.

$35–$45
Avg CPC for Mortgage Keywords
94%
Visitors Leave Without Converting
45–90 Days
Average Borrower Consideration Cycle
3–5x
ROAS With Proper Targeting
Why It Matters

Mortgage Ads Are Expensive.
Most Brokers Are Doing Them Wrong.

The mortgage vertical has some of the highest CPCs in Google Ads. Generic campaigns bleed budget on comparison-shopping clicks.

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Intent vs. Interest Keywords
Bidding on “current mortgage rates” is interest. Bidding on “mortgage broker near me apply now” is intent. We build campaigns around buyers, not browsers.
📊
Negative Keyword Sculpting
Thousands of irrelevant queries flood mortgage campaigns by default. Our negative lists cut rate-shopper spend by up to 40%, lowering CPL without cutting volume.
🔁
Long-Cycle Retargeting
Borrowers take 45–90 days to commit. We run display and YouTube retargeting for the full consideration window — not just 7-day audiences.
⚔️
Competitor Conquest
Borrowers searching your competitor brand are already in market. We capture that audience with conquest campaigns that convert before they close elsewhere.
Campaign Strategy

Four Pillars of a High-Performance
Mortgage Google Ads Campaign

Every Ad Boost mortgage campaign is built on this four-layer architecture. Remove any layer and performance degrades significantly.

🔍
Search: Purchase Intent
Exact and phrase match on high-converting terms: “FHA loan broker [city]”, “refinance mortgage apply”, “home loan pre-approval fast”.
🖼️
Display: Audience Layering
In-market audiences for home buyers stacked with income demographics and custom intent segments. We pay for impressions on people who have the income and need to close a loan.
🎥
YouTube: Trust at Scale
Short-form pre-roll targeting real estate and finance content viewers builds broker credibility before a borrower ever reaches a landing page.
📈
Performance Max
Properly configured PMax with strong asset groups and audience signals generates additional qualified leads across all Google surfaces without cannibalizing core Search.
Common Mistakes

Four Reasons Mortgage Brokers Waste
Ad Budget Every Single Month

These are the most common campaign errors we see when auditing new mortgage broker accounts. Any one of them alone can double your cost per lead.

🚫
Broad Match Without Controls
Broad match on “mortgage rates” triggers ads for “mortgage calculator” and “mortgage meaning” — none of whom will ever call your office.
🚫
Sending Clicks to the Homepage
A homepage has navigation, choices, and distractions. A dedicated landing page with one call-to-action converts 3–5x higher.
🚫
7-Day Retargeting Windows
Mortgage borrowers take weeks to decide. Cutting remarketing off at 7 days means you stop following up on 80% of your warm audience exactly when they are getting closer to choosing.
🚫
No Conversion Tracking
Without proper call tracking and form submission events, Google Smart Bidding optimizes for clicks, not applications.
Our Process

A 4-Phase Campaign System

From audit to scale in a repeatable architecture.

Phase 01
Market Audit
Competitor analysis, keyword opportunity mapping, account history review, and CPC benchmarking for your specific market.
Phase 02
Build & Launch
Campaign architecture, landing page creation, conversion tracking setup, and audience targeting before first dollar is spent.
Phase 03
Optimize Daily
Search term mining, bid adjustments, ad rotation testing, Quality Score improvements, and negative keyword additions every week.
Phase 04
Scale & Report
Increase budget on proven performers, launch retargeting layers, add competitor conquest, and report CPL and pipeline contribution monthly.
Case Study
Mortgage Broker — Southeast Market

From $180 Cost Per Lead to $52 in 90 Days

A regional mortgage broker was spending $6,000/month on Google Ads generating fewer than 35 leads per month — most of which were rate shoppers. We rebuilt the campaign structure, installed proper conversion tracking, created dedicated landing pages, and launched a 60-day retargeting sequence.

Cost per qualified application dropped 71% while monthly lead volume more than tripled on the same ad spend.

Build This For My Business
71%
Reduction in Cost Per Lead
3.2x
Increase in Monthly Lead Volume
$52
New Cost Per Qualified Application
90 Days
To Achieve Full Performance

Results vary by market, offer, budget, and execution. Past results do not guarantee future outcomes.

Testimonials

What Mortgage Professionals Say About Ad Boost

★★★★★

“We were burning money on Google Ads for two years with nothing to show for it. Ad Boost rebuilt everything from scratch and we started getting actual application-ready leads within 30 days.”

Marcus T.
Independent Mortgage Broker, Atlanta GA
★★★★★

“The retargeting sequence they built is brilliant. Borrowers come back to our site weeks after their first visit. I had no idea how much pipeline I was leaving on the table with only 7-day retargeting.”

Sandra R.
Mortgage Branch Manager, Dallas TX
★★★★★

“Our cost per funded loan from Google Ads dropped from over $2,000 to under $600 in three months. Ad Boost understands the mortgage business at a level general agencies do not.”

Kevin L.
Mortgage Brokerage Owner, Phoenix AZ
FAQ

Frequently Asked Questions

Mortgage keywords typically cost $25–$45 per click. Proper negative keyword sculpting and tight ad groups bring effective CPC down significantly over the first 60 days of optimization.

Negative keyword sculpting is the primary lever. Removing informational queries and filtering for transactional intent phrases routinely cuts wasted spend by 30–50% in the first 60 days.

Search captures active intent — start there. Display and YouTube remarketing recapture the 94% of visitors who do not convert on first visit, essential given the long consideration cycle in mortgage lending.

Mortgage consideration cycles average 45–90 days from first search to application. Remarketing campaigns should run for the full window — not just 7–14 days — to recapture borrowers who compared options before committing.

Most competitive markets require $3,000–$8,000 per month. At a $35 average CPC, $5,000/month yields roughly 140 clicks — targeting precision and landing page conversion rate determine how many become qualified applications.

Ready to Stop Paying for Clicks
That Never Become Borrowers?

Book a free 30-minute mortgage ads audit. We will review your current account, identify the exact keywords burning your budget, and show you exactly what we would change.

Get My Free Mortgage Ads Audit
Free 30-minute audit · No commitment required · You keep the diagnosis