Have you not heard of the credit crunch? Loans are dead now - same as real estate Find something that's thriving and has lots of advertisers trying to attract prospects in order to grab a slice of the money pie
CT said what I was gonna say, and the situation may not hold for long but you have to consider traffic vs. payoff. If you get billions of clicks at .02 or a few 2.00 clicks, the choice is obvious even if it looks like the 2.00 clicks are better. I did some volume with low price clicks for the 2010 olympics and knew it was just a temporary cash grab so I didn't spend any time on it.
That's a thought - build quick and easy sites using sub domain of free hosting site - so that even with clicks paying only a few cents, it's all profit Keyword research is going to be key here I did try it with an adsense "hot topic" site builder script a couple of months ago - but the search phrases the script came up with from the social network sites were really rubbish - and when I did the keyword research, the search phrases used did not even have adwords advertisers - so you got a site that built hot topic pages automatically each day - but there was no money to be made
Yes you are right loan/mortage has high click rate. You can get $1-$4 per click if it is clicked in USA and UK
If you can get the traffic to your loan niche site then you'll make good money with Adsense...the loan niche is a high paying niche. The hard part is getting rank for your keyphrase/keyword to get the quality search traffic you need to get clicks. Quality SE Traffic = Money!