Exhibit A
Mortgage Brokers work in Oakland
Oakland borrowers search for mortgage help in a few distinct ways. Some look for a broker by name after a referral from a realtor or a family member. Others search by loan type and neighbourhood, such as FHA loans near Fruitvale or jumbo loans in the hills. The firms competing for those searches are a mix of small owner run brokerages, independent loan officers who work alone, and franchise offices that carry a national brand. Paid search in the mortgage category is expensive across the Bay Area because a single funded loan is worth a lot, so the paid listings are crowded and the organic results below them are where a smaller Oakland brokerage can hold ground with steady publishing. The demand is there every week of the year, spread across purchase loans, refinances and equity lines.
