A Step-by-Step SEO Audit Framework for Mortgage Broker Websites You Can Run This Week

This guide is written for mortgage broker-owners and principals who already have a website and suspect their SEO is underperforming — not for brokers building their first site from scratch.

You likely fall into one of these situations:

• Your site has been live for 6-12+ months but ranks for almost nothing outside your firm name
• You rank for some terms but organic leads are thin relative to what you spend on Zillow, LendingTree, or paid search
• A competitor you know to be smaller or newer is consistently outranking you in your market
• You hired an SEO vendor 12-24 months ago, have little visibility into what was actually done, and want an independent read on where things stand

This framework is not a replacement for a professional technical audit — some issues (crawl traps, JavaScript rendering problems, index bloat) require screaming frog, log file analysis, or Search Console access to diagnose properly. What this guide gives you is a structured way to identify obvious problems yourself, score their likely severity, and make an informed decision about whether to fix them in-house or bring in outside expertise.

If you are in an early-phase build and want a forward-looking implementation checklist rather than a diagnostic, the mortgage broker SEO checklist is a better starting point. This guide assumes you have existing content, rankings history, and Search Console data to work with.

Technical issues are foundational. If Google cannot crawl and index your pages correctly, content and link work built on top of them will underperform. Start here before assessing anything else.

Core Web Vitals and Page Speed

Run your homepage and two or three key service pages through Google's PageSpeed Insights. Focus on the mobile score. Mortgage borrowers increasingly use mobile throughout the shopping and pre-qualification process. A mobile score below 50 is a material ranking disadvantage in competitive markets.

Common culprits on mortgage broker sites: oversized hero images, unoptimized third-party rate widgets, poorly configured caching on WordPress themes.

Mobile Usability

Open Search Console and navigate to Experience → Mobile Usability. Any flagged pages with 'text too small to read' or 'clickable elements too close together' errors need fixing. These are direct usability signals Google surfaces in its index coverage reporting.

Index Coverage

In Search Console, check the Coverage report. Look for:

• Pages marked 'Excluded — noindex': confirm these are intentional (thank-you pages, admin pages) not accidental
• Pages with crawl errors or redirect chains: each adds friction and dilutes link equity
• 'Discovered — currently not indexed': a high count here often signals thin content or crawl budget issues

Site Structure and Internal Linking

Map your site's page hierarchy. Mortgage broker sites frequently suffer from flat architecture — every page is one click from the homepage with no logical category structure. A well-structured site groups pages logically: loan types → specific programs → location pages. Without this, Google has less signal about which pages are most important.

Check that your most commercially important pages (purchase loans, refinance, specific loan programs) receive internal links from multiple supporting pages — not just from the navigation menu alone.

Content problems are the most common source of underperformance on mortgage broker websites. The pattern we see most often: a site with a homepage, a generic 'mortgage loans' page, an about page, and a contact form — and nothing else. That structure cannot rank competitively for anything beyond branded searches.

Keyword Targeting Audit

Pull your top 50 ranking keywords from Search Console (Performance → Queries). For each of your core service pages, ask: does the page title, H1, and first paragraph actually contain the phrase someone would type to find this service in your market? Generic titles like 'Our Loan Programs' do not rank. Specific titles like 'FHA Loans in [City] — Down Payment as Low as 3.5%' give Google a clear ranking signal.

Thin and Duplicate Content

Review every service or location page against this threshold: does the page contain enough specific, useful information that a prospective borrower would leave better informed than when they arrived? Pages under 300 words on a specific loan type or market are almost always too thin to rank independently. Location pages that are copy-pasted templates with only the city name swapped are treated by Google as near-duplicate content.

NMLS Compliance Markers

This is specific to mortgage: your NMLS ID must appear on all advertising, which regulators have interpreted to include websites. During your content audit, verify that your NMLS number (and individual loan officer NMLS numbers where applicable) appears on relevant pages in the format required by your state licensing authority. Missing or incorrectly formatted NMLS display is both a regulatory risk and a trust signal issue. This is educational context — verify current display requirements with your state mortgage licensing authority, as rules vary by state and are updated periodically.

Call-to-Action and Conversion Path

Audit whether every service page has a clear, specific next step. 'Contact us' is not a next step for a mortgage borrower. 'Check your rate in 3 minutes' or 'Get pre-qualified today — no credit pull required' are. Weak CTAs signal a page built for SEO without consideration for conversion, which ultimately limits the business value of any ranking you achieve.

For most independent mortgage brokers, local search — meaning the map pack and 'near me' results — is where the highest-intent borrowers search. It is also the area most brokers neglect in their SEO audits because it sits outside the website itself.

Google Business Profile Audit

Claim and access your Google Business Profile (GBP) at business.google.com. Run through this checklist:

• Business category set to 'Mortgage Broker' (not 'Financial Services' generically)
• All service areas accurately listed — GBP allows up to 20 service area locations
• Business description written with natural keyword inclusion for your primary loan types and markets
• At least 10 recent reviews, with owner responses to each
• Profile photos current and professional (exterior, interior, team)
• Services section populated with your specific loan programs
• NMLS number included in the business description where your state licensing authority requires it

A GBP with significant gaps — missing categories, no service areas, zero reviews — will not compete in a local map pack regardless of how good your website is.

Citation Consistency

Search your firm name across the major citation sources: Yelp, Better Business Bureau, Yellow Pages, and any mortgage-specific directories. Inconsistencies in your business name, address, or phone number (NAP) across these sources create conflicting signals for Google. Even small inconsistencies — 'Suite 400' versus 'Ste. 400' — can suppress local rankings in competitive markets, based on patterns we observe across campaigns.

Local Content on Your Website

Does your site have dedicated pages for the specific cities and counties you serve? A single generic page that lists your service area in a footer is not enough to rank locally for purchase loans or refinance searches in those markets. Each significant market you serve typically warrants its own landing page with specific, locally relevant content — local market conditions, down payment assistance programs in that county, relevant neighborhood context.

Link authority — the quality and quantity of websites linking to yours — remains one of Google's strongest ranking signals. Most mortgage broker sites have thin link profiles because building links in a regulated financial services context requires a specific approach that differs from general link acquisition.

Assessing Your Current Profile

Use a free tier of Ahrefs, Moz, or Semrush to pull your backlink report. Look at three things:

• Domain Rating / Domain Authority: A ballpark score for your site's overall link authority. The number itself matters less than how it compares to the top 3-5 sites ranking for your target terms.
• Referring Domain Count: How many unique websites link to you. A handful of links from the same domain counts far less than links from many different domains.
• Link Quality: Are links coming from relevant, credible sources — local business associations, real estate agent partners, local news coverage — or from low-quality directories and link farms?

Competitor Gap Analysis

Pull the backlink profiles for 2-3 mortgage broker competitors who outrank you for your primary terms. Identify which referring domains they have that you do not. This gap is your link acquisition roadmap. Common legitimate link sources for mortgage brokers include: local real estate associations, first-time homebuyer program pages from city or county housing agencies, local Chamber of Commerce directories, and educational content referenced by local news outlets.

Toxic Link Signals

Look for clusters of links from irrelevant foreign language sites, private blog networks, or sites with no clear editorial purpose. These patterns can suppress rankings or, in more severe cases, trigger manual review. If your previous vendor's work produced a backlink profile that looks suspicious, a disavow process may be warranted before further link acquisition. This requires careful judgment — consult a professional before submitting a disavow file, as errors can remove legitimate links.

After running through the four diagnostic areas, score each section as Green (no significant issues found), Amber (1-2 moderate issues that can be addressed in-house), or Red (multiple issues, technical complexity beyond standard DIY, or issues that have been present for 12+ months without improvement).

Diagnostic Scoring Rubric

• All Green: Your site has solid fundamentals. Focus shifts to content depth, link acquisition, and conversion optimization. A professional audit at this stage would confirm baseline health and identify advanced opportunities.
• 1-2 Amber sections: Prioritize fixes by likely ranking impact. Technical and local issues typically move rankings faster than content gaps. Set a 60-90 day remediation plan and measure Search Console performance before and after.
• Any Red section: The issues found are likely interconnected. Fixing one without addressing others often produces minimal improvement. In our experience, Red-flagged sites typically surface additional problems when reviewed professionally that self-audit tools miss — crawl traps, canonicalization errors, content duplication at scale.
• Multiple Red sections: At this point, a professional SEO audit will almost certainly return more value than continued self-diagnosis. The compounding nature of multiple simultaneous issues — technical problems suppressing good content, local gaps preventing conversion of any rankings that do exist — makes it very difficult to triage effectively without a structured professional review.

When to Hire Help

The decision point is usually straightforward: if your audit identifies problems you cannot confidently fix yourself, or if you have fixed problems previously and rankings have not responded, outside expertise is the logical next step. The cost of a professional audit is typically recovered quickly once the issues suppressing your organic traffic are corrected — particularly when you factor in what you currently spend on paid lead sources to compensate for underperforming organic visibility.

If you are at that point, get a professional SEO audit for your mortgage brokerage to get a clear picture of exactly what is holding your site back and a prioritized remediation plan.