You’ve built the business. Now make sure it’s working for you.
You don’t need hand-holding — and you definitely don’t need more layers slowing you down.
You need a platform that moves as fast as you do.
At ARBOR, our Super Broker model is built for high-output producers who want fewer roadblocks, full transparency, and the freedom to scale without asking permission.
We’ve been through multiple market cycles, built through downturns, and refined this platform alongside producers who expect more — because at this level, stability and execution matter as much as pricing.
Hard to optimize when the math keeps changing.
High output exposes bottlenecks fast.
What works at lower volume breaks as production grows.
Flexibility disappears when scenarios fall outside the box.
More clicks, more handoffs, more follow-ups.
Know exactly where margins are- every time.
Expert help when you need it, not when you don’t
Earn what you’re worth, without limits
More options when deals don’t fit a template
Pricing, pipeline, marketing, and follow up- all in one place.
At this level, scaling isn’t about working harder.
It’s about removing friction — eliminating the people, processes, & policies that quietly tax your production.
Why most platforms slow producers down as volume increases
The hidden cost of staying “comfortable” in the wrong structure
What actually matters in a platform when growth is the goal- not maintenance
Watch how ARBOR helps Independent LOs grow with fewer constraints.
Watch how ARBOR helps Independent LOs grow with fewer constraints.
Watch how ARBOR helps Independent LOs grow with fewer constraints.
Watch how ARBOR helps Independent LOs grow with fewer constraints.
Watch how ARBOR helps Independent LOs grow with fewer constraints.
Watch how ARBOR helps Independent LOs grow with fewer constraints.
Your transition is mapped to protect your pipeline and client relationships.
Licensing, tech, and systems are ready so you can keep originating.
You stay independent — with more resources from day one.
Real stories. Real numbers. Real results. Here’s what happens when you stop settling and start building with ARBOR.
I chose ARBOR because after years in the industry in both IMB and in bank lending, I was tired of not having autonomy. Mortgage is a challenging industry that requires knowledge, sales acumen and the ability to adapt rapidly to ever changing market conditions. I was tired of asking for concessions, being strapped into credit boxes that were tighter than the actual loan program, and having to adapt to the company's current lending appetites. Brokering allows you to truly control your own destiny, and ARBOR stands out. I interviewed over 10 companies, and Ryan O'Kane of ARBOR was the first owner that I talked to that gave me absolute transparency, did not feed me any lines, and I have never looked back.
I chose Arbor after speaking with Ryan on the phone, the way he communicated with me helped me understand how the transition would be, what to expect and the options with DBA. Comp is good too!
We were lucky enough to be approached by someone at Arbor who we'd worked with at a previous company, JUST before going live with a standalone brokerage we'd created. Our dba is Focus Home Lending and our team was ready for autonomy. We were tired of the BS we were constantly being fed by big companies who tell you exactly what you want to hear to get you onboarded, then they change all the rules to benefit themselves, with zero regard to the impact on my team. We have been with Arbor since April of 2024 and have NEVER been happier, OR more profitable. We absolutely love being a part of the Arbor team, we have our own branding and ability to run our business exactly as we want. The leadership team at Arbor is here when we need them, and has followed through 100% with every promise made when we were joining. That has never happened before. We have found our mortgage home and could not be more grateful for the opportunity. To say we highly recommend making a move to partner with Arbor would be a gross understatement. If you are tired of your supposed "partners" jacking your rates, taking more and more bps for themselves and making YOU take the concessions, and you're considering a move, please take the time to talk to someone at Arbor first. It was the best move I've ever made.
"Recruiters call me every so often, and my answer never changes:
“Thanks, but unless you’ve got a unicorn, a time machine, and Arbor’s tech... I’m good!” 😄
Here’s just a taste of why I’m staying put:
The Vibe Is Everything: Even with 400+ loan officers, it still feels like a tight-knit crew. Everyone genuinely wants to help each other win — and there are no egos, not even from our top producers. You’ll never feel like you’re out there on your own.
Tech That Actually Helps: Our owner basically lives and breathes innovation. The CRM, AI, and HUB make it feel like your business is running on autopilot. (But the good kind of autopilot — not the scary robot-takes-over kind.)
Pricing Power = Superpower: Whether it’s Lender Paid, Borrower Paid, Broker, or Non-Del — you’ve got the flexibility to stay competitive and in control of your comp. Translation: you should never lose a deal on pricing.
Long story short: I joined Arbor in 2019, and I haven’t looked back. Pretty sure this is where I’m staying for the rest of my mortgage adventure. 🏡💚"
Many mortgage companies claim they are "built for loan officers, by loan officers," but Arbor is the first one that I have found where this is genuinely truMany mortgage companies claim they are "built for loan officers, by loan officers," but Arbor is the first one that I have found where this is genuinely true. e.
Arbor has helped me grow my business because of better rates, more products, and more closings!
I decided to join Arbor Financial Group because of their commitment to cutting-edge technology and competitive pricing in the mortgage industry. Their innovative approach makes the entire process more efficient, and I was really impressed by how they empower their team with the tools to succeed. Plus, the pricing is unbeatable, which aligns perfectly with my goal to provide clients with the best possible solutions. Arbor’s forward-thinking culture and focus on customer satisfaction made it an easy decision to join this amazing team!
"Hello Arbor Nation!
What can I say about Arbor this has been an amazing journey for me I came from a correspondent one lender one loan structure mentallity and it took John Goodpaster some serious convincing to ge me here but i am so grateful i made the change close to 6 years ago. The culture here is amazing this is a family to me and my business has grown imenslely the tech we have and the loan options and lenders we work with have made my life and my teams so much easier. I know as i change and grow and my modle chnages that Arbor will adapt to thoise changes and here your not just a loan officer your part of the company and your ideas can be heard you can be part of soemthing greater then yourself ! Thank you Ryan, Dave & John! I greatlty appreciae all that you have done for me and all of our amazing members at Arbor whichthere are to many to mention. Blessings ! "
In considering my next move in the mortgage business, I knew I wanted it to be my last. I considered a lateral move to another mortgage bank, but I knew in my gut that wasn't the right move. The programs, rates and most importantly, the people at Arbor are best in class. Each day I am here, I become more certain I made the right move.
I have been at Arbor for just over six years and I cannot imagine being anywhere else. Arbor let's me compete and win. The owner's are constantly making the company better and giving me better tools and technology. There is a culture that is about supporting each other and helping each other win. There is a culture of respect for the loan officer as well as the support staff who are the back bone of my success.
We are a nationwide, independently owned mortgage lender and broker dedicated to empowering our clients and independent mortgage loan originators with unparalleled choice and flexibility. Partnering with over 115+ lending institutions, we provide access to a wide range of loan products, ensuring our borrowers receive the best solutions at the most competitive rates. We equip our mortgage professionals with cutting-edge technology and resources, fostering success and growth. Our team of diverse, highly skilled experts is committed to understanding and achieving each client’s unique financial goals by crafting personalized loan solutions. ARBOR Financial Group is your comprehensive partner in achieving your dreams—always giving you…
We work with high-performing, self-sourced loan officers who want more control, better pricing, and real support. Whether you’re independent, retail, a branch manager, or growing a DBA, our model fits your growth path.
Arbor primarily offers a 1099 model for maximum independence but is W-2 in states where it’s required. Either way, you’ll have the freedom to run your business with full support behind you.
No. We offer a no-cap comp model so you can keep more of what you earn—without arbitrary ceilings or hidden splits.
Both. Arbor is a hybrid platform: we operate as a broker and a non-delegated correspondent banker, giving you access to over 150 investors with maximum flexibility in structuring loans.
No. We don’t underwrite in-house. Instead, we partner with best-in-class wholesale and correspondent investors to streamline your file flow and keep things moving fast.
Definitely. We’re one of the few platforms that actively support DBA structures. If you already have a brand—or want to create one—we’ll help you set it up and stay compliant in the states you operate in.
Absolutely. Arbor provides marketing tools, content, and personalized support to help you grow your visibility and generate leads. We help you market in a way that fits your brand and goals.
Not at all. We provide tools, content, and creative support—but how you market is up to you. Use our resources, mix in your own, or go fully custom. We’re here to help you show up the way you want to be seen.
We offer an integrated tech stack that includes CRM, marketing automations, pipeline management, pricing tools, and digital application platforms and more, built to streamline your workflow.
Arbor offers a full suite of tech and marketing tools bundled into one affordable monthly package—with no surprise fees or upsells. For $175/month, you get access to everything from our CRM (EiOS) and LOS (Arive), to social media support, automated marketing, website options, and more. Optional premium add-ons like Homebot, MBS Highway, and Verse are also available if you want to scale even further. Everything you need, all in one place.
We don’t do cold leads. Instead, we give you the tools and content to build your own lead funnels and nurture your database effectively.
Yes. You’ll have full autonomy to manage your income and expenses like a true business owner, with the transparency and support you need to succeed.
We make onboarding fast and painless. Once licensing is in place, most LOs are live and funded within 1-2 weeks.
We’re licensed in the following states—and we’re constantly expanding! Reach out to see if we’re getting approved in your market next!
Licensed In: AK, AL, AR, AZ, CA, CO, CT, D.C., FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, MI, MN, MO, MT, NC, NH, NJ, NM, NV, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WA, WI, WY
Not at all. Whether you’re a solo LO, part of a team, or leading a branch, we tailor our support to fit your goals.
Yes, absolutely. Whether you’re working solo or bringing a team, Arbor supports your structure. You can use your own processor, assistant, or support staff—whatever fits your workflow best.
ARBOR offers a flexible, fully transparent compensation structure designed to suit your business needs. Whether you’re looking for a lean setup or building something bigger, you’ll always know exactly how you’re getting paid—no hidden margins, no surprises, and no caps.
No red tape. No fluff. Just real support, better pricing, flexible branding, and a community of producers who want to win—and help each other do it.
Yes. Arbor supports team building, whether you’re adding processors, junior LOs, or building a full branch or DBA. We’ll help you scale smart.
Yes. You’ll get hands-on onboarding and training support to make sure your transition is smooth—from licensing and systems setup to marketing and workflow. We don’t leave you hanging.
We’re producer-first and people-focused. No micromanaging. No politics. Just a crew of driven professionals who want to work hard, win big, and do it with people they like.
We use Arive, a modern, cloud-based loan origination system integrated with pricing, document management, and borrower communication tools. It’s streamlined, intuitive, and designed to help you close more efficiently—without the clunky tech.
Yes! You can absolutely use your own vanity domain. We’ll help you connect it to your Arbor-provided LO site, so your branding stays front and center.
Yes. Arbor is a remote-first platform. Whether you’re working from home, managing a virtual team, or running a branch from across the country, we have the systems and support to keep you fully connected and productive.
We offer a wide range of loan products through over 150 wholesale and correspondent investors—including conventional, FHA, VA, jumbo, non-QM, DSCR, construction, renovation, and more. If there’s a product your client needs, chances are we have a solution for it.
