A mortgage marketing company for brokers, lenders, and loan officer teams who want to be found, trusted, and referred.
Everything mortgage pros need to get found, trusted, and referred. Done with you and done for you, by someone who works in real estate marketing every single day.
Oak & Algorithm, formerly Real Estate Concierge Services Co, does mortgage marketing for brokerages, lender teams, and loan officers: the visibility, content, referral, and follow-up systems that make loan officers, mortgage brokers, and lender teams easy to find and easy to send business to. Google Business Profile, local and AI search, authority websites, content, and CRM follow-up. Retainers start at $1,500 a month.
Everything is built with RESPA in mind. No paying for referrals, ever. Compliant and effective are not opposites here.
Why doesn't loan officer marketing usually work?
Most loan officer marketing falls into two sad piles.
Rate spam
"Rates dropped, call me." Nobody is saving that post. Nobody is even reading it. Rate updates aren't a marketing strategy, they're background noise that trains people to scroll past your name.
Software you still run yourself
You bought the tool that promised to fix everything, and surprise, you're still the one running it. The content, the posting, the follow-up, the SEO. It all landed back on your desk after dinner.
You close loans for a living. Leaning on three agents who might send you deals this quarter is not a pipeline. It's a coin flip. This is the system that fixes that.
What do you help mortgage pros with?
Loan Officer Marketing
The full done-for-you system: local visibility, content, compliant realtor co-marketing, and follow-up, built around your market and your voice.
See the full service →Google Business Profile
Most LO profiles are half-built and forgotten. Yours becomes a real local trust signal that Google and AI both read to decide who to recommend.
See GBP work →Local & AI Search Visibility
Show up when someone asks Google or ChatGPT which lender to trust, instead of being invisible at the exact moment it counts.
Start with an audit →Authority Website
A site that answers the questions borrowers are already typing into AI, captures leads, and closes the trust gap before the first call.
See the website system →Content & Social
Helpful, human, compliant content that makes agents and buyers think "this person actually knows their stuff," not "unsubscribe."
See content work →CRM & Follow-Up
Stop letting past clients and warm leads rot in a list you never touch. Follow-up that runs on its own, so nobody forgets you exist between closings.
See DealFlow CRM →Why hire a realtor marketer to do your mortgage marketing?
Most people selling you marketing have never sat on the realtor side of a referral. I build the marketing for real estate agents all day, so I know exactly what makes an agent trust a lender enough to hand over their client.
And everything is built with RESPA in mind, meaning no paying for referrals, ever. Compliant and effective are not opposites here.
Posting rates, buying software, or hiring a partner?
| What you get | Fractional partner (Oak & Algorithm) | Posting rate updates | Marketing software |
|---|---|---|---|
| Who does the work | Emily, start to finish | You, between closings | You, after dinner |
| Strategy included | Yes, and it comes first | None | A template, not a plan |
| Agent referral systems | Built, and RESPA-minded | Hope | A contact list |
| Understands the realtor side | Builds realtor marketing daily | Not applicable | No |
| Google Business Profile | Core service | Untouched | Rarely included |
| AI search visibility | Core service | No | No |
| Follow-up that runs itself | Built and automated | No | Possible, if you build it |
| Compliance | RESPA, NMLS, and Equal Housing handled | Your risk | Your risk |
| Typical monthly investment | $1,500 to $4,000 | Your time | $100 to $500 plus your time |
Software isn't the enemy. Software with nobody running it is. Most of the tools mortgage pros buy are fine, and they sit unused because operating them was never the job you signed up for.
Who is mortgage marketing built for?
- Loan officers who are great at the job and far too quiet online.
- Mortgage brokers who need real positioning for their process, products, and service areas.
- Lender brands and branch teams who need content and visibility that scales without sounding canned.
- Anyone whose next deal depends on a realtor remembering them first.
Based in Raleigh, Cary, Apex, Wake Forest, and Lake Norman, with remote clients working with me from other markets too.
How does a mortgage marketing engagement work?
Audit
Your Google Business Profile, website, search results, and what AI says when someone asks for a lender in your market. The point is finding the gap, not listing everything imperfect.
Position
What you actually do differently, in language an agent would repeat. Products, process, service areas, and the reason someone should send you a client instead of the lender they used last time.
Build
Profile, site, content, and follow-up, put together as one system. Compliance is built in from the start rather than reviewed at the end.
Run and report
The work ships on schedule and you get a monthly summary in plain English. What was done, why it mattered, what comes next. No dashboard to interpret.
What does mortgage marketing cost?
- Strategy and monthly priorities
- Google Business Profile and local SEO upkeep
- Content direction
- Monthly value summary
- Everything in Growth Strategy
- Authority content written and published
- Website pages that answer borrower questions
- Review generation
- Everything in Authority & Content
- AI search visibility and AI systems
- CRM, follow-up, and email
- Compliant realtor co-marketing and referral systems
The first three months are a commitment because that is how long visibility work takes to show up in the data. After that it is month to month with 30 days notice. One-time projects such as a visibility audit or a full authority website are priced flat. See pricing and packages.
Where do you work with mortgage pros?
The work is fully remote, so loan officers, mortgage brokers, and lender teams outside North Carolina are welcome too.
What do mortgage pros ask before they book?
Do you work with mortgage professionals, or just realtors?
Both. Oak & Algorithm works with loan officers, mortgage brokers, and lender teams, and I also build marketing for real estate agents. Working both sides is the advantage. I know what makes an agent refer a lender because I build the marketing for those agents.
What types of mortgage professionals do you work with?
Loan officers, mortgage brokers, branch managers, and small lender teams. Whether you're a solo originator building a name or a branch that needs a real marketing system, the work scales to fit.
Can you help loan officers get more referrals from real estate agents?
Yes. Agent referrals are the strongest source of purchase business for most loan officers, and I build compliant referral and co-marketing systems designed around what actually earns the referral, not generic outreach templates.
Is this kind of marketing compliant?
Yes. Everything is built with RESPA in mind, including no payment for referrals, correct Equal Housing Lender and NMLS treatment, and no rate or APR promises that create risk. Compliant and effective are not opposites here.
Can you help me show up when someone asks ChatGPT or Google's AI for a lender?
Yes. Borrowers and agents are increasingly asking AI tools which lender to use, and if your online presence isn't built for that, you don't appear at all. I structure your profiles, website, and content so AI recognizes you as a local expert worth recommending.
How much does mortgage marketing cost?
Mortgage marketing with Oak & Algorithm runs in three partnership levels: from $1,500, $2,500, and $4,000 a month. Each starts with a three-month commitment, then runs month to month. One-time projects such as a visibility audit or a full authority website are priced flat before work begins.
What's included in loan officer marketing services?
Google Business Profile optimization, local and AI search visibility, an authority website, content and social, compliant realtor co-marketing, and CRM follow-up, run as one system rather than separate tools you operate yourself.
How long before mortgage marketing shows results?
Google Business Profile changes often show movement in profile views and calls within a few weeks. Website authority, content, and AI visibility compound over three to six months. Follow-up systems start recovering opportunities immediately, because those past clients and warm leads already exist in your database.
Can you help me build referral relationships with new agents?
Yes, and this is where knowing the realtor side matters most. The work focuses on giving agents a reason to remember you: content they can actually use with their clients, co-marketing that makes them look good, and follow-up that keeps you present between closings. All of it structured so it stays on the right side of RESPA.
Do you only work with mortgage pros in Raleigh?
Raleigh, the Triangle, and Lake Norman are home base, and I work with mortgage professionals in other markets remotely. The systems work the same whether you're down the road or across the country.
Let's Find Out Where You're Invisible
Start with a visibility check. I'll show you exactly where borrowers and agents can't find you right now, and what it would take to fix it. No pressure, no jargon, just a clear look at the gaps.
Book a Strategy Call