Why ARBOR

Branch Managers sit in a unique seat. You’re still producing, but you’re also recruiting, coaching, solving problems, and protecting the economics of your branch.

That means your success isn’t just about rates or tools — it’s about whether your platform gives you real leverage as your team grows, or quietly limits you with caps, layers, and rules that don’t scale.

At ARBOR, our Super Broker model is built for Branch Managers who want to run their branch like a business. You control comp, pricing, and growth strategy — while we provide the infrastructure, compliance, and support that typically create friction as branches expand.

All-In-One Platform

What You Care About. Delivered.

Where Things Fall Short:

Comp structures that don’t scale

Overrides and splits stop making sense as headcount grows.

Recruiting without leverage

Hard to attract strong LOs without flexibility or support.

Operations that break under pressure

Processes built for small teams fail at scale.

Compliance & licensing bottlenecks

Expansion slows when approvals and filings can’t keep up.

Where ARBOR Delivers:

Custom branch & LO comp structures

Built to scale with production — not cap it.

Recruiting, onboarding, & transition support

Tools and systems designed to help you grow intentionally.

Scalable Support

Infrastructure that holds up as volume increases.

Hands-on licensing & compliance guidance

So growth doesn’t introduce risk.

The Branch Manager Reality

Growing a branch isn’t about working harder- it’s about creating a structure that supports people at scale.

In these short videos, you’ll see:

How Branch Managers protect margins while growing teams

The hidden costs built into inflexible branch platforms

What to prioritize if you want to expand without giving up control

Your Transition. Structured.

1

Custom Plan

Your branch transition is mapped around your team, production, and growth goals.

2

Fast Setup

Licensing, tech, and systems are ready so your team doesn’t lose momentum.

3

Launch Strong

Pipelines stay intact while your branch moves forward.

Don't Take Our Word for It

Real stories. Real numbers. Real results. Here’s what happens when you stop settling and start building with ARBOR.

Ready to Grow Your Team on Your Terms?

Scale with control over comp, structure, and strategy — without having to build everything from scratch.

You’ve Got Questions. We’ve Got Answers

Who are ARBOR Financial Group?

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…

What kind of loan officers does ARBOR work with?

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.

Are loan officers at ARBOR W-2 or 1099?

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.

Do you cap compensation?

No. We offer a no-cap comp model so you can keep more of what you earn—without arbitrary ceilings or hidden splits.

Is ARBOR a broker or a banker?

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.

Do you offer in-house underwriting or processing?

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.

Can I brand myself or use a DBA?

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.

Do I get marketing support?

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.

Do I have to use ARBOR'S marketing templates?

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.

What kind of technology does ARBOR provide?

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.

Do I have to pay for technology or marketing?

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.

Do you provide leads?

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.

Can I run my own P&L?

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.

How fast can I get onboarded?

We make onboarding fast and painless. Once licensing is in place, most LOs are live and funded within 1-2 weeks.

Is ARBOR licensed in my state?

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

Do I need a team to join ARBOR?

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.

Can I bring my own processor or team?

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.

How does compensation work at ARBOR?

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.

What makes ARBOR different from other mortgage companies?

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.

Can I grow a team under me?

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.

Do you provide onboarding help?

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.

What’s the culture like at ARBOR?

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.

What LOS system does ARBOR use?

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.

Can I use my own vanity domain for my website?

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.

Can I work remotely?

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.

What types of loan products do you offer?

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.