At ARBOR, we offer retail loan officers the best of both worlds – structure when you need it and flexibility when you want it. Benefit from access to competitive pricing, advanced technology, and real time marketing support. We make it easy for you to focus on serving clients while we handle the rest.
Tired of being stuck in a system that slows you down? At ARBOR, we give retail loan officers a modern alternative — one that blends dependable support with the freedom to grow on your own terms. Enjoy access to top tier pricing, intuitive technology, and hands on marketing help, all without the micromanagement. It’s structure without the stranglehold.
At ARBOR, we help retail loan officers unlock their full potential. With the right mix of structure, freedom, and hands-on support, you can grow your business, serve more clients, and finally feel like you’re part of something bigger. If you’re ready to level up, we’re ready to help you get there.
At ARBOR, you get the tools and freedom to originate better loans, grow faster, and finally have a say in your business.
Say goodbye to slow responses and top-down micromanagement. At ARBOR, you get real, responsive support—without jumping through layers of approvals. We’ve got your back, so you can stay focused on serving clients and growing your business.
Our platform is streamlined, modern, and ready out of the box. CRM, digital apps, pipeline tracking, automation—it’s all there, fully integrated and easy to use, so you can focus on closing, not troubleshooting.
We’ve done the heavy lifting, so you don’t have to. From plug-and-play campaigns to customizable branding support, we give you everything you need to generate leads and grow your presence—without turning into a full-time marketer.
No caps. No guesswork. You know exactly what you’re earning, and you keep more of it.
No corporate scripts. No retail BS. Just a team that respects your talent and helps you level up.
No Fluff. No corporate jargon. Just straight answers to the questions you actually care about.
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.
No. You can start with one state and expand as you go. We’ll support your licensing as you grow into new markets.
Our technology streamlines lead nurturing, borrower communication, and post-funding relationship management—helping you work more efficiently and retain more clients.
Absolutely. We offer hands-on training, mentorship, and onboarding support designed to help newcomers thrive—even if they’re new to the broker space.
ARBOR Financial Group offering
personalized mortgage solutions, fast customized quotes, great rates & service with integrity.
© 2025 The Turnkey Foundation Inc. DBA ARBOR Financial Group, All Rights Reserved. NMLS #236669
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
