Lending

Why Homebuyers Chose the Other Lender

5 mins read
November 1, 2016
By
Total Expert

Every homebuyer has a reason for choosing to work with a loan officer or a specific mortgage company. Sometimes, it’s their resounding reputation that reaches consumers through word-of-mouth recommendations. But, that rapport with past clients is just one component of the greater whole that goes into attracting qualified homebuyers.

Today’s homebuyers have a wide selection of lenders who are vying for their business. In the end, homebuyers, particularly millennials, will likely only reach out to a few after doing extensive research. And, as you could’ve guess, that research starts online.

A study done by the National Association of Realtors® (NAR) found that 90 percent of homebuyers start their search online. Meaning: Your brand needs to be online. It needs to shine, and it needs to be bright, leaving every other option out there to be a distant afterthought. And, just for reference, your brand isn’t just a logo that’s on your website and social media, either.

In today’s digital mortgage climate, a brand carries an all encompassing meaning. This includes mortgage company culture and policies; your marketing content and design; as well as highly-rated customer service.

It’s the marketing department’s overarching goal to transfer the entire mortgage business into an accurate, engaging message, and then project it into the digital world to capture the attention of targeted homebuyers. This needs to be done in a way that can be viewed from anywhere, at any given time, and in a digestible way.

Even though homebuyers are after large amounts of content to satisfy their research instincts, it’s important to know what content is needed and how to display it in an inviting way. After that, you must get that content in front of the homebuyer through different media platforms, including social media and online ad campaigns.

The World Wide Web is the first point of contact for the majority of homebuyers, and more importantly, it’s what they find when they get there. According to the NAR, 44 percent of homebuyers found the home they purchased online, presiding over real estate agents, friends, and even family.

Their new home will take time to find, since they’ll wade through web portals, local blogs, forums, social media, and other real estate pages during the research phase. At a specific point of the process, the homebuyers will need to find a way to make their dreams a reality: financing.

To make sure homebuyers end up in your office when this time comes, your mortgage brand needs to stay with them throughout the entire process. Loan officers must be where their future clients are (online) and stand out in this relentless stream of digital content so they can outshine every other loan officer or mortgage broker.

Here’s how to do that:

How to Leverage Your Mortgage Brand

In order to make sure homebuyers find your mortgage brand, you need the following:

  • A well designed, mobile-friendly website
  • Active social media channels
  • Relevant content for homebuyers

A website that’s going to respond well to every type of device — a desktop, tablet or smartphone — is an overarching SEO rule. If your website isn’t mobile-friendly, it gets punished by search engines, which, in turn, makes it difficult to be where the homebuyers are.

Similarly, if your website doesn’t display well on every type of device, you may be turning away those homebuyers who find you on their smartphones or tables.

Equally connected, search engines also populate social media profiles. When you’re active on Twitter, Facebook, Instagram, or any other platform, it’s more likely that active homebuyers will find your mortgage brand during their research stage.

Staying active on the right social media channels also builds trusts with house hunters. When you constantly share relevant mortgage news and information — preferably from the company blog — on Twitter or Facebook, you establish brand as an authority figure on these topics, giving homebuyers a trusted source to keep coming back too.

At the same time, don’t want to neglect other areas of the internet, especially because some web-based portals attract over 50 percent of all homebuyer and renter traffic.

You Should Advertise Across the Web

This past February, comScore reported that Zillow Group saw a staggering 73,364 unique viewers across desktop and mobile in January 2016 alone.  Zillow Group also attracted 12.6 percent of the total internet population to its advertising syndicates in the same month, and takes up well over half of online real estate shares.

You should advertise on these portals for the simple fact that they receive an incredible amount of viewers. The data shows that consumers take to these sites when they want to buy or rent a home. Moreover, these sites also have tailored advertising programs set up specifically for different entities, including large scale mortgage companies and individual brokers.

This should be your first go-to advertising spot, but round out your campaigns by also boosting and promoting social posts on platforms like Facebook, Twitter and Instagram. The exposure through social media increases your reputability in a more targeted, personalized way, which resonates with homebuyers looking to work with trusted mortgage professionals.

You can also track the engagement of your audiences through social media ad campaigns, making for a flexible and an intuitive way to reach a specific demographic. You can see when consumers click through, take their journey through the website, and identify where their needs are.

It won’t be long before your loan officers will send them an email introduction email or picking up the phone to connect. That brings us to our next point…

Make Sure You Have a 24/7 Follow-Up Plan

Having a 24/7 follow-up plan in place is simply a best practice for today’s high-velocity mortgage industry. When homebuyers want rates, disclosures, the fine print, they go looking for it. They don’t wait for somebody to reach out and feed it to them, thus the online-first consumer approach.

But, this isn’t an impossible feat to overcome. In fact, it’s fairly simple.

You know that loan officers can’t always take a phone call — no matter how badly they want too — nor do they have the time to send out dozens of emails.

It’s just plain inefficient. There are better ways to make sure a personalized touch reaches the homebuyer.

Two ways to reach a client before another lender does:

  • A timely follow-up workflow
  • Automated email nurturing

When a homebuyer picks up the phone or sends an email through Zillow, you should already have a follow-up workflow in place to deliver on the excellence of your mortgage brand. Whether it’s personalized talking points or an auto-generated email, there should be something in place to ensure the homebuyer doesn’t make the call to another loan officer.

Nothing is worse than seeing a homebuyer who’s already going through the process walk into the competinglender’s office. That’s not a what-could’ve-been moment, that’s a what-should’ve-been moment.

From a high level, there needs to be something in place for the initial contact, because the first contact often determines this outcome: Are they going to close with us?

Millennial buyers, specifically, have spent a great deal of time researching and gathering information ahead of time. What they’re really after during that initial point of contact is to see whether or not that specific loan officer is right for them.

Once that’s determined, the homebuyer needs enough time to continue researching if he or she isn’t ready to sit down to do the paperwork yet. But, that doesn’t mean you leave the homebuyer alone altogether.

The relationship needs to be nurtured by supplying relevant, personalized information in a way that’s not going to scare them off or be seen as intrusive. You want them to engage with the offers, so that when the big day comes, homebuyers happily sign off on the closing documents

In Conclusion

Homebuyer has hundreds and hundreds of options when it comes to loan officers ready and willing to give them financing.

But, not every one of those loan officers has a branded, consumer-focused business model in place that allows them to be where the homebuyers are, share their thoroughly crafted mortgage brand, and provide upbeat, personalized experience that every consumer searches for.

Key Takeaways:

  • Ensure your brand is found at every stage of the homebuying process, including on web portals, social media, and your website, to create awareness and credibility with consumers.
  • Prioritize advertising to where consumers search most leads to a staggering amount of web traffic back to your website and social media platforms. Then, deploying advertising campaigns on Facebook, Twitter or Instagram can round out your advertising strategies to drive personalized connections with homebuyers.
  • Have a follow-up workflow ready, with the right tools in place, so that when the calls start coming in, loan officers are front and center before the competition is given an opportunity.

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Now, those updates are fully automated. When a loan status changes in your connected LOS, the corresponding lead stage advances in Total Expert. No more manual updates, no more room for error, and your pipeline view stays accurate at all times, so your team spends less time syncing data and more time working deals.

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Lead Management is now available in the Total Expert Mobile App!

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Joe Welu on Agentic AI, Contextual Data, and Earning Customers for Life

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**This content was originally published on Housingwire.com**

In this conversation with HousingWire’s Allison LaForgia, Total Expert Founder & CEO Joe Welu outlined how the company’s evolution to Customer IQ is reshaping the way lenders engage borrowers and drive growth.

"We just announced Customer IQ as this next evolution of our platform,” Welu said. “Taking what we built with Customer Intelligence . . . and we’ve reimagined it for the AI revolution, what we call this 'agentic lending opportunity.'"

At the core of that evolution is a system designed to unify and interpret data in real time. “Customer IQ aggregates all of the different data points and interprets what those data points mean . . . what’s going on in my customer’s life at this moment that I can connect with them on and provide value to them,” he explained.

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From there, that insight doesn’t sit idle. It becomes actionable through AI-driven engagement. “Customer IQ brings all that together, and then it puts it into our agentic layer, which ultimately is AI agents that can go out and have a conversation, send a text, a voice call, and then bring the loan officer into the loop.

The result is a clear shift from traditional workflows. “If you think about a loan officer historically, they would be going through their database at random… [now] the AI agent will bring them into the loop,” Welu said.

When it comes to measurable impact, Welu didn’t hesitate. “It’s hard to overstate how extraordinary some of the results that we’re seeing are,” he said. “We’ve seen people increase the applications… three to four times more loan applications than if they just use the humans.

That scale is driven by a simple shift in capacity.  “You’re limited on how many of those people you can talk to… now I can go out, talk to thousands and thousands of people… and put time on the calendar for that loan officer.”

In practice, that translates directly into day-to-day execution.“We had a top producer… they had 26 appointments over two days… with people that are ready to talk about how you can help them.

But the opportunity extends beyond volume alone. Welu emphasized a broader strategic shift toward deeper customer relationships. “The most profitable way to grow their organization and build a sustainable lender in 2026 and beyond, is to go really deep with your customers, get loyalty…the limiting factor to doing that was ultimately, day-to-day human behavior,” he said.

AI changes that equation. “If you can just augment their skills… with the most brilliant, intelligent assistant you’ve ever imagined, it’s a recipe that opens up this new world of possibilities.

Central to that “recipe” is context. “It’s that system of context that can aggregate everything… interpret it, prioritize it, and then ultimately feed that into my human loan officers and the AI agents,” Welu said.

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The Reputation Playbook for Lenders Who Want to Grow in the AI Era

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Meet the Partner: Birdeye

Birdeye is the #1 Agentic Marketing Platform for multi-location brands. Financial institutions use Birdeye to manage their online presence, collect and respond to customer reviews, monitor local listings, and turn customer feedback into actionable growth intelligence. Birdeye’s platform unifies the marketing stack to help lenders, banks, and credit unions build trust at scale—branch by branch, advisor by advisor—so every part of the organization is earning customer confidence before, during, and after the relationship begins.

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For most financial institutions, the customer relationship begins when someone fills out an application, walks into a branch, or picks up the phone. But that’s not when your customer’s journey begins.

Long before a borrower reaches out, they’ve already started forming an opinion about you, your competitors, realtors, and the mortgage industry in general. They’ve searched for lenders in their area, read reviews, seen the news, and talked to family, friends, and coworkers. They’ve probably even asked Claude or ChatGPT to compare rates from local banks and credit unions. They’ve scanned branch listings, looked at star ratings, and made a shortlist of their top choices. They’ve done a lot. And all without ever speaking to a single person on your team.

That’s the new front door for financial services. And for too many institutions, that front door is invisible, inconsistent, or completely closed. It’s a huge problem that Total Expert and Birdeye are working together to solve.

The shift happening right now in borrower discovery

Borrower behavior has changed in ways that most financial institutions haven’t fully caught up with yet. For a long time, reputations in financial services were built through branch relationships, local presence, referrals, and personal trust. Those things still matter but, today, trust is often built or lost before a borrower ever speaks to a loan officer, banker, or advisor.

A borrower may first meet your brand through a Google search, an online review, a branch listing, a social post, or an AI-generated answer. They may ask AI platforms which lender is best for first-time homebuyers, which credit union has the best service, or which local bank is easiest to work with. In that moment, your reputation isn’t just what your brand says. It’s what the digital ecosystem can find, understand, and validate about you.

The data backs this up. Birdeye’s State of Online Reviews 2026 report found that review volume grew 30.7% year over year in 2025, with Google capturing nearly 80% of all reviews. Meanwhile, McKinsey describes AI-powered search as the “new front door to the internet,” with research showing that half of consumers already use AI-powered search and that AI search could influence $750 billion in revenue by 2028.

For financial institutions, this matters because trust is a product you can’t put a price on. People are making decisions about homes, savings, credit, and their financial future. If your branch information is inaccurate, your reviews are negative or outdated, or customer feedback goes unanswered; you may lose the borrower before the relationship even starts.

What Birdeye does and why it matters for financial institutions

Birdeye replaces fragmented point tools with one full-cycle platform. Instead of forcing small teams to manually update data, custom AI agents execute marketing playbooks autonomously across hundreds of locations. For financial institutions, it helps manage the full digital presence of every branch, advisor, and location—at scale.

In practical terms, that means:

  • Keeping branch and location data accurate and consistent across every major listing platform and search engine
  • Collecting customer feedback and reviews at key moments in the borrower journey
  • Monitoring and responding to reviews across Google and other platforms—quickly and at scale
  • Surfacing customer experience signals by branch, loan officer, product line, or market so teams can identify where trust is strong and where it’s breaking down
  • Building the content, consistency, and credibility signals that AI-driven answer engines use to recommend businesses to consumers

Birdeye’s State of AI Search 2026 report found that in an analysis of ChatGPT, Gemini, and Perplexity, 80% of brands were cited at least once in AI-generated answers—but only 15% held the top citation position with their own owned domain. AI search rewards clarity, structure, and consistency. The financial institutions that win in AI-driven discovery will be the ones with the most trusted, complete, and credible local footprint.

That’s exactly what Birdeye is built to create.

How Total Expert and Birdeye work together

Most financial institutions don’t have a data problem. They have a connection problem.

Customer signals are everywhere: CRM records, reviews, surveys, branch interactions, loan officer conversations, and servicing feedback. The issue is that these signals often sit in separate systems. So, by the time a team sees the pattern, the moment to act has already passed.

Total Expert helps financial institutions manage customer engagement and relationship journeys. Birdeye helps them capture feedback, manage reputation, improve local visibility, and turn customer signals into action. Together, they connect the relationship layer with the reputation and experience layer—so the intelligence flows in both directions.

Here’s how the integration works in practice:

  • Lenders can request feedback from borrowers at important moments in the relationship journey—after an application, closing, branch visit, or servicing interaction
  • Survey responses and customer experience scores from Birdeye can flow back into Total Expert, giving relationship teams visibility into how borrowers are feeling inside the systems they already use every day
  • A positive review can strengthen local visibility and reinforce trust in that branch or advisor’s digital presence
  • A negative review or recurring complaint can trigger service recovery or escalation—before it becomes a bigger problem
  • Patterns in feedback data can become operational priorities, helping regional or branch leaders identify where the experience is breaking down and course-correct quickly

This is the shift financial institutions need to make: feedback shouldn’t sit in a dashboard. It should move into the daily workflow of the business.

From reactive to proactive: the future of experience-driven growth

The traditional model of reputation management was reactive. A customer leaves a review. Someone responds. A report gets created. Maybe a trend reaches leadership weeks later.

That model is too slow for how borrowers make decisions today.

PwC’s 2025 Customer Experience Survey found that 52% of consumers stopped using or buying from a brand after a bad product or service experience, and 29% stopped because of poor customer experience online or in person. Experience isn’t a soft metric. It directly affects loyalty and growth.

Together, Total Expert and Birdeye give financial institutions the tools to move earlier and act faster. AI can help teams listen at scale—bringing together signals from reviews, surveys, social channels, listings, and CRM systems. It can help teams act faster by identifying urgent issues, drafting responses, routing follow-ups, and giving branch and regional leaders clear next steps. And it can help leaders see what’s working: which branches are earning the strongest trust, which loan officers are creating the best borrower experience, and which themes are driving referrals and conversion.

This is where reputation management becomes something bigger: experience-driven growth.

Accessible through the Expert Partner Network

For Total Expert customers, accessing Birdeye is straightforward through the Expert Partner Network—the same ecosystem where lenders can access a range of integrated tools and services designed to support every stage of the borrower journey.

Instead of standing up a new workflow or managing a separate vendor relationship, Birdeye’s capabilities become part of how your team already operates. The feedback loop between Birdeye and Total Expert means your relationship data gets smarter over time, your team sees the signals they need in the right context, and your borrowers experience a more consistent, responsive institution at every touchpoint.

The lenders who win will earn trust before the first conversation

Winning in today’s market isn’t just about having the best rates or the most loan products. It’s about being the institution borrowers find, trust, and choose—often before they ever pick up the phone.

The financial institutions that get ahead will be the ones treating reputation as an operating signal rather than a marketing metric. They’ll use customer feedback as real-time intelligence. They’ll build the kind of consistent, trusted digital presence that earns borrowers in a world where AI is increasingly answering the question, “Who should I work with?”

That’s what Total Expert and Birdeye make possible—together.

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