10 agencies scored · no paid placements

Best Marketing Agencies for Mortgage Brokers & Loan Officers (2026)

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The best marketing partner for mortgage brokers is Empower LO if you want published prices and month-to-month terms ($197–$297/month, 2,500+ producers since 2018), or ILM Marketing if you want twenty years of mortgage-only work and a published fee formula. Before you hire anyone, know this: Meta classifies mortgage ads as a Special Ad Category, so ZIP-code targeting, lookalike audiences and interest exclusions are unavailable and location radius has a 15-mile floor. Any agency promising ZIP-level or lookalike targeting for mortgage ads is describing something Meta does not allow. Every company below was verified against its own live website.

Full disclosure

No agency paid for placement on this list, and there are no affiliate links or referral fees on this page. Karbon Agency publishes this list and appears on it; we are placed by the same score as everyone else, and on several of our lists that means we are not first.

The ranking, side by side

Ranked by the score below, which is explained in full under “How we ranked these”. The pricing and lock-in columns are the reason this page exists — almost no other list in this category will tell you what these agencies charge.

#AgencyScoreBest forPricingLock-in
1Empower LO89/100loan officers who want a mortgage CRM, pre-built campaigns and optional managed ads on one month-to-month billPublished: Launch $197/month · Scale $297/month · Teams customMonth-to-month, no contracts on the productized plans
2ILM Marketing85/100mortgage companies that want a fee formula they can audit and people who have worked inside lendersPublished: PPC setup $300–$1,000; management 15% of first $5K spend, 12% above; $150/month minimum; $1,000/month minimum ad spendNot published
3Roar Solutions79/100individual brokers with a small budget who want managed ads without a retainer that dwarfs the spendPublished: $299/month management fee; $500/month minimum ad spendMonth to month, 30 days' notice, no long-term lock-in
4Glide Marketing78/100UK brokers whose marketing keeps getting sent back by their network's compliance teamPublished: retainer from £1,000/month + VAT, no setup fee; Google Ads from £500/month + spend; SEO from £1,000/monthThree-month minimum, then 30 days' notice
5leadPops77/100loan officers already closing two or more a month who want conversion funnels rather than more trafficPublished ranges: $200–$1,000/month starter; $1,000–$5,000+/month full system; target cost per funded loan $1,200–$2,000Not published
6Good Vibe Squad65/100originators who want a fractional CMO running ads, CRM and realtor referral programs, plus sales coachingPricing not published — quoted after a callNot published
7Hova Digital64/100loan officers who want to keep everything they build if the relationship endsPublished: CRM $97/month; done-for-you packages quoted after a consultationMonth-to-month, cancel anytime; client retains the GoHighLevel account and assets
8Lead Planet62/100lenders who need volume this month and will accept renting it rather than owning itPublished: $300 minimum to start; per-lead pricing not publishedNo contracts, no setup fees
9Karbon Agency *57/100brokers who want local search and paid ads run for them, with AI reporting tying spend to booked consultationsPublished: intro tiers from $500/monthNone — month-to-month
10Wired Media41/100UK brokers who want a long-established generalist across search, display and YouTubePricing not published — quoted after a callNot published

* Karbon Agency publishes this list — see the disclosure above. All other rows are based on each agency’s own published materials as of September 14, 2026.

The list

1.

Empower LO

89/100

Best for: loan officers who want a mortgage CRM, pre-built campaigns and optional managed ads on one month-to-month bill

Strengths

  • Publishes its prices — Launch $197/month, Scale $297/month, Teams custom — month-to-month with no contracts
  • Since 2018, 2,500+ producers served, 50M+ emails and texts delivered, and 4.9 stars across 51 Google reviews, with named lender logos
  • Its LeadEngine add-on runs managed Google Ads and landing pages, and states that you own the ad account

Considerations

  • Primarily a HighLevel-based platform with done-for-you services attached, not a full-service agency — ads management is an add-on, not the core product
  • Custom Builds are scoped case by case with no published rate

Pricing: Published: Launch $197/month · Scale $297/month · Teams custom · Lock-in: Month-to-month, no contracts on the productized plans

Best for: mortgage companies that want a fee formula they can audit and people who have worked inside lenders

Strengths

  • The clearest fee structure on this list: PPC setup $300–$1,000, management at 15% of the first $5K of ad spend and 12% above it, minimum $150/month management and a $1,000/month minimum ad spend
  • 20+ years of mortgage marketing, with 20+ named mortgage-company clients and eight detailed testimonials
  • Leadership came from inside the industry — a former marketing director at a large mortgage broker and a former compliance manager, which matters when financial promotions get reviewed

Considerations

  • Percentage-of-spend pricing means your fee rises with your budget, which is not always aligned with your cost per funded loan
  • Contract terms not published, and no client count or third-party review profile given

Pricing: Published: PPC setup $300–$1,000; management 15% of first $5K spend, 12% above; $150/month minimum; $1,000/month minimum ad spend · Lock-in: Not published

Best for: individual brokers with a small budget who want managed ads without a retainer that dwarfs the spend

Strengths

  • Publishes a flat $299/month management fee with a $500/month minimum ad spend — one of the few figures in this niche a solo broker can actually act on
  • Month to month with 30 days' notice to cancel and no long-term lock-in, stated plainly
  • 5 out of 5 across 438 reviews, serving brokers in Canada and the US

Considerations

  • Also serves small businesses generally; mortgage is a major vertical rather than the only one
  • Publishes no years in business or client count, and the brokerage and brokerage-network logos shown are not described as clients

Pricing: Published: $299/month management fee; $500/month minimum ad spend · Lock-in: Month to month, 30 days' notice, no long-term lock-in

Best for: UK brokers whose marketing keeps getting sent back by their network's compliance team

Strengths

  • Built for FCA-regulated firms, writing copy to clear network compliance first time rather than arguing about financial promotions afterwards
  • Fully published pricing: retainer from £1,000/month plus VAT with no setup fee, Google Ads from £500/month plus spend, SEO campaigns from £1,000/month — and it says outright that £1,000 is the floor, not the average
  • 5.0 from 28 Google reviews, SEO Agency of the Year 2024, with a named client result (average position roughly halved and held for nine months)

Considerations

  • UK-only regulatory framing — the FCA compliance advantage does not transfer to US brokers under NMLS and TRID
  • Three-month minimum term before the 30 days' notice applies, and the client base spans accountants and fintech as well as brokers

Pricing: Published: retainer from £1,000/month + VAT, no setup fee; Google Ads from £500/month + spend; SEO from £1,000/month · Lock-in: Three-month minimum, then 30 days' notice

5.

leadPops

77/100

Best for: loan officers already closing two or more a month who want conversion funnels rather than more traffic

Strengths

  • Mortgage-only by design — it states it does not serve real estate agents, insurance or other industries
  • The deepest proof in this niche: 15+ years, 5,247+ loan officers, 1M+ leads generated, and 4.9 stars across 750 Google reviews
  • Publishes honest ranges and a benchmark others avoid — $200–$1,000/month starter, $1,000–$5,000+ for the full hybrid system, and a target cost per funded loan of $1,200–$2,000

Considerations

  • Those are ranges, not list prices; exact pricing still requires a sales conversation, and contract terms are not published
  • A software-plus-services hybrid, so how much is done for you depends on which tier you buy

Pricing: Published ranges: $200–$1,000/month starter; $1,000–$5,000+/month full system; target cost per funded loan $1,200–$2,000 · Lock-in: Not published

Best for: originators who want a fractional CMO running ads, CRM and realtor referral programs, plus sales coaching

Strengths

  • Mortgage-only, describing itself as a complete done-for-you fractional CMO service with separate ad, CRM and enhancement teams
  • Over 1,000 loan officers served, with Inc 5000 and Inc Power Partner recognition and named case studies including a client at more than 5X production
  • Covers the realtor referral side as well as consumer-direct ads, which is where most broker volume actually comes from

Considerations

  • No pricing published at all, and its "guaranteed results" language has no stated guarantee terms behind it
  • Coaching is bundled with the done-for-you work, so part of what you buy is your own time

Pricing: Pricing not published — quoted after a call · Lock-in: Not published

7.

Hova Digital

64/100

Best for: loan officers who want to keep everything they build if the relationship ends

Strengths

  • Mortgage-exclusive, combining AI-driven funnels, paid ads and video content with weekly coaching
  • Month-to-month, cancel anytime, and you retain your GoHighLevel account and the assets built in it
  • Publishes $97/month for its CRM tier

Considerations

  • Publishes no years in business, client count, reviews or case-study numbers — the success-stories section did not even load when we checked
  • Only the CRM tier is priced; the two done-for-you packages require a consultation, and keeping your assets still requires an active GoHighLevel subscription

Pricing: Published: CRM $97/month; done-for-you packages quoted after a consultation · Lock-in: Month-to-month, cancel anytime; client retains the GoHighLevel account and assets

8.

Lead Planet

62/100

Best for: lenders who need volume this month and will accept renting it rather than owning it

Strengths

  • Operating since 1999 — 25+ years, longer than anyone else here — across all 50 states
  • Sells both exclusive leads and cheaper leads shared with a maximum of three lenders, and says which is which up front
  • No contracts and no setup fees; $300 minimum to start

Considerations

  • A lead vendor, not a marketing agency — you build no website authority, no reviews and no database of your own, and the leads stop when you stop paying
  • Per-lead prices are not published, and it also sells credit repair and debt consolidation leads, so lead quality varies by category

Pricing: Published: $300 minimum to start; per-lead pricing not published · Lock-in: No contracts, no setup fees

9.

Karbon Agency

57/100That’s us — see disclosure above

Best for: brokers who want local search and paid ads run for them, with AI reporting tying spend to booked consultations

Strengths

  • AI-driven reporting — a live dashboard shows what every ad dollar did, down to the lead
  • No lock-in: month-to-month terms, cancel anytime
  • Published intro tiers starting at $500/month, so you know the cost before the first call

Considerations

  • Small, newer team — we don't have a decade-deep case-study library yet
  • Mortgage is a regulated, Special Ad Category niche — we have no NMLS or FCA financial-promotions experience, and a compliance-literate specialist is the safer choice

Pricing: Published: intro tiers from $500/month · Lock-in: None — month-to-month

10.

Wired Media

41/100

Best for: UK brokers who want a long-established generalist across search, display and YouTube

Strengths

  • 25+ years in business with UK offices, and named mortgage clients including Fox Davidson Mortgages and Strive Mortgages
  • Broad paid coverage — Google Ads, Microsoft Ads, display, YouTube and remarketing — integrated with SEO

Considerations

  • 70+ sectors served, from hotels to plumbers; mortgage brokers are one vertical page
  • No pricing, contract terms or partner badges published, and a single client testimonial as proof

Pricing: Pricing not published — quoted after a call · Lock-in: Not published

How we ranked these

Every agency is scored out of 100 across five weighted dimensions. The weights are fixed across every list on this site, so a 78 here means the same thing as a 78 on any other niche.

  1. Niche specialization30 points

    How much of the agency's actual business is this one industry. A shop that works only in this niche scores full marks; a generalist that lists it among twenty verticals scores about half.

  2. Pricing transparency20 points

    Does it publish what it charges on its own website. Full marks for real numbers you can read before a sales call, partial for a published budget framework or starting-at figure, zero for "contact us".

  3. Proof and reviews20 points

    Verifiable evidence on its own site: years in business, client counts, named case studies, third-party review counts, Google/Meta partner badges. Unsourced hype counts for nothing.

  4. Service fit20 points

    Whether the service mix matches what this industry actually needs to get customers, rather than what is easiest to sell.

  5. Contract flexibility10 points

    Month-to-month terms and client ownership of the website, ad accounts and data score highest; undisclosed or multi-year terms score lowest.

Every agency here was checked against its own live website. Pricing, contract terms, client counts and review counts are only stated where the agency publishes them — everything else is recorded as "not published" rather than guessed at. Scores are ours, they are subjective, and the rubric above is published so you can disagree with them.

Last reviewed by . We refresh these lists when something real changes — a price, a contract term, an agency going dark — not on a schedule.

Frequently asked questions

Who is the best marketing agency for mortgage brokers?

Empower LO for a mortgage CRM plus optional managed ads at a published $197–$297/month on month-to-month terms. ILM Marketing for 20+ years of mortgage-only work and a fee formula you can audit. leadPops has the deepest proof (5,247+ loan officers, 750 Google reviews) if conversion rather than traffic is your problem. Roar Solutions suits solo brokers on small budgets at $299/month, and Glide is the pick for UK FCA-regulated firms.

What are Meta's Special Ad Category rules for mortgage ads?

Mortgage ads are financial products and services ads, and Meta's own documentation lists FINANCIAL_PRODUCTS_SERVICES as the special ad category that replaced CREDIT on 14 January 2025. Meta states that US advertisers running financial products, housing or employment ads must self-identify as a Special Ad Category and use only approved targeting. Declaring it is not optional — undeclared ads get rejected. We verified this against Meta's advertising standards and Marketing API documentation on 14 September 2026.

Can mortgage ads target specific ZIP codes on Facebook?

No. Meta's Marketing API documentation lists zips, neighborhood, subcity, subneighborhood, metro area, small geo area and electoral district as prohibited location types for housing, employment and financial products and services ads. Location exclusions are not permitted either, and the minimum radius is 15 miles (25 km) in the US and Canada, or 15 km in Europe. Any agency promising ZIP-level mortgage targeting on Meta is describing something the platform does not allow.

What other Meta targeting is restricted for mortgage advertisers?

Per Meta's documentation: age is generally fixed at 18 through 65+, a specific gender cannot be chosen, lookalike audiences are unavailable, and behaviour targeting, demographic targeting and interest exclusions are prohibited — only pre-approved interests are supported. Meta's advertising standards separately require ads for loans and credit to target people aged 18 or older and to avoid requesting personally identifiable or certain financial information in the ad itself.

How do you advertise mortgages effectively with those restrictions?

You move the targeting work out of the audience settings and into the creative, the offer and the landing page. With no ZIP, no lookalikes and a 15-mile radius floor, Meta's delivery system does the segmenting — so the ad copy has to disqualify the wrong people (first-time buyer, self-employed, VA, jumbo, refinance) and the form has to capture loan purpose early. This is also why Google search, where intent is explicit and geography is less restricted, carries more of the load for most brokers.

What does mortgage marketing cost per month?

The published figures here run from Hova Digital's $97/month CRM and Empower LO's $197–$297/month, through Roar Solutions' $299/month management fee, to Glide's £1,000/month floor. ILM Marketing charges 15% of the first $5K of ad spend and 12% above, minimum $150/month. leadPops publishes the benchmark that matters most: a target cost per funded loan of $1,200–$2,000. Judge every fee against that, not against cost per lead.

Should brokers buy mortgage leads or generate their own?

Bought leads fill a quiet month and build nothing. Lead Planet has been selling them since 1999 with no contracts and a $300 minimum, and is honest that cheaper leads are shared with up to three lenders — which means you are competing on speed-to-call with two other people who paid for the same person. Own-generated leads cost more per unit at first and leave you with a site, a review base and a database. Most healthy pipelines use bought leads as a stopgap, not a strategy.

What should a mortgage broker ask an agency before signing?

Ask whether they have run ads under a declared Special Ad Category and what it changed about their targeting — the answer separates people who know this niche from people who do not. Ask who owns the ad account, website and CRM data if you leave: Empower LO, Hova Digital and Karbon publish an answer. Ask how financial promotions get compliance-reviewed before they run. And ask for reporting on cost per funded loan.

Want the honest version for your business?

Talk to us and we’ll tell you plainly whether we’re the right fit — and if one of the agencies above suits you better, we’ll say so.

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Last updated · 10 agencies scored