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At $20 a click you are looking at a $100+ lead that you are selling at $25 on average 3 times, if your lucky and that is only if the leads is a prime filter. What if the lead generated is subprime or purchase, you may not be able to sell that $100 lead at all. ouch
I think that is smart. Especially as you take control of the organic searches. I guess I was most surprised by the contrast created by this market--lead providers gaining organic search placement and lenders paying in for PPC.
This is a very unique market!
Also, I took the liberty of removing your LowerMyBills affiliate link out of your comment!