Exhibit A
Mortgage Brokers work in Bakersfield
Bakersfield mortgage work follows the housing stock. The city has a large base of older single family homes in the central neighbourhoods and steady new building on the southwest and northwest edges, and both bring refinance and purchase searches. The firms competing for those searches are mostly small brokerages and individual loan originators working their own patch, alongside a handful of bank branches and national call centres that buy ads. Paid search in this market is carried by the national players bidding on broad loan terms, which leaves the neighbourhood and situation searches open to a local broker who publishes on them. The demand is there in volume all year, spread across purchase, refinance and the equity and credit questions that come before either.
