Exhibit A
Mortgage Brokers work in Thousand Oaks
Thousand Oaks is a city of owner occupied homes and a steady flow of purchase and refinance questions, and the searches that come with them are spread across a wide area rather than concentrated in one downtown. The firms competing for that demand are mostly small brokerages and individual loan officers, with a handful of franchise brands and bank branches in the mix. Paid search in the mortgage trade is expensive per click because a single funded loan is worth a lot, so the paid listings around Thousand Oaks loan and refinance terms are held by the firms with the largest budgets. That leaves the organic results and the AI answers as the places where a smaller brokerage can be found without bidding against the biggest spenders.
