Loan Officer CareersARBOR Financial Group ยท NMLS #236669
ARBOR by the Numbers
400+
Loan Officers
$2.6B
Volume Funded (2025)
4,922
Families Helped
How ARBOR Supports Loan Officers
ARBOR Financial Group's Super Broker model is built around the Power of Choice. You control your compensation and choose the lending channel that fits each file, Brokered (Wholesale) or Retail (Mini Correspondent). ARBOR Financial Group supplies the pricing visibility across 150+ lenders, the technology, and the hands-on support behind your business.
Run Your Business Your Way
Custom compensation plans come with no caps or hidden splits, and ARBOR's support for independent branding and DBA setup lets you build your business under your own name.
Compete with More Loan Options
Shop live pricing across 150+ lenders and choose Brokered (Wholesale) or Retail (Mini Correspondent) execution on each loan. More options give you room to solve difficult files and protect deal economics.
Grow Across More Markets
ARBOR loan officers can originate in every state where the company holds a license. If a client needs a loan in a state where you are not licensed, the Out-of-State Referral Program lets you refer them to a licensed ARBOR Financial Group loan officer and keep the relationship.
At ARBOR, you're in control. And you're not doing it alone.
Loan officers don't need more rules. They need better options. Our role is to remove friction, provide real support, and give producers the freedom to build a business that actually works for them.
The Super Broker Advantage
The Power of Choice
Choice is the foundation of everything at ARBOR. It's what makes ARBOR a modern Super Broker, giving you the freedom to run your business your way, backed by the strength to scale.
Real stories. Real results.
Success Stories from ARBOR Loan Officers
The clearest picture of ARBOR comes from its own loan officers. Read how they describe the move, the support they get, and the control they have over their businesses.
Features Overview
Technology & Marketing Tools ARBOR Gives Loan Officers
ARBOR Financial Group combines the systems loan officers use every day with marketing resources and people who know the mortgage business. Together they support lead management, loan pricing, borrower communication, training, and long-term client outreach.
Built for Every Path
Support for Loan Officers at Every Stage
Mortgage loan officer jobs at ARBOR fit the business you have now and the one you want to build next. Choose the path that best matches your current structure, production, and growth plans.
- Flexible business models for every career stage
- Transparent compensation with no caps
- Access to 150+ lenders nationwide
- Full support from solo to enterprise scale
How to Get Started with ARBOR Financial Group
Changing companies is a major business decision. ARBOR builds a transition plan around your active files, licensing, technology, marketing, and target launch date, so deals in motion keep moving and your technology is ready from day one.
You will launch confidently and keep your momentum:
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01
Build Your Transition Plan
ARBOR starts by learning how your business operates. Together, you set priorities for active files, licensing, system access, marketing, and your target launch date.
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02
Get Licensed & Connected
ARBOR's licensing team starts your license transfer while IT sets up your email, system logins, ARIVE access, and pricing tools.
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03
Market Your Move
Meet with the marketing team to prepare personalized email templates, social posts, partner announcements, and other launch materials for your network.
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04
Train, Approve & Launch
Complete onboarding and learn the systems you will use. Once your licenses are approved, you can begin taking applications.
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05
Day One and Beyond
From your first file through your hundredth, ARBOR's team is there to troubleshoot, answer workflow questions, and help you get more out of every tool as your business grows.
A transition to ARBOR feels like leveling up.
Book a Confidential CallWork Hard. Laugh Harder.
You've seen how it all works. Now meet the people behind ARBOR.
ARBOR's team is serious about results and easy to work with. Expect real support, sharp wit, and people who always have your back.
FAQ
Frequently Asked Questions About Loan Officer Careers at ARBOR
ARBOR and the Super Broker model
Who is ARBOR Financial Group?
ARBOR Financial Group is a mortgage company that works as both a lender and a broker, with access to 150+ lenders. ARBOR operates as a DBA of The Turnkey Foundation, Inc. (NMLS #236669) and supports loan officers and the mortgage companies they build with technology, pricing, marketing, and hands-on support.
Is ARBOR a broker or a banker?
Both. ARBOR operates as a broker and as a non-delegated correspondent banker, giving you access to 150+ lenders and flexibility in how you structure each loan.
Which lenders can ARBOR loan officers access?
Loan officers at ARBOR Financial Group can shop every loan across 150+ lenders. Lender Price shows pricing from multiple lenders side by side, for both QM and non-QM scenarios, so you can compare rates for a borrower before choosing where to place the file.
What types of loan products do you offer?
ARBOR offers a wide range of loan products through 150+ lenders, including conventional, FHA, VA, jumbo, non-QM, DSCR, construction, and renovation loans.
What loan origination system does ARBOR use?
ARBOR uses ARIVE, a cloud-based loan origination system with integrated pricing, document management, and borrower communication tools.
Compensation and your brand
How is loan officer compensation structured at ARBOR?
Loan officers at ARBOR Financial Group work on custom compensation plans with no caps and no hidden splits. You set your own compensation and choose between Brokered (Wholesale) and Retail (Mini Correspondent) execution on each file, so the plan fits how you originate.
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.
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.
Can I brand myself or use a DBA?
Yes. ARBOR supports independent branding and DBA setup, with DBA guidance, a hosted website, and vanity domain support, so you can build your business under your own name.
Can I use my own vanity domain for my website?
Yes. You can use your own vanity domain, and ARBOR will help you connect it to your ARBOR loan officer site so your branding stays front and center.
Do I have to use ARBOR's marketing templates?
No. ARBOR provides tools, content, and creative support, but you decide how you market. Use ARBOR's resources, mix in your own, or go fully custom.
Do you provide leads?
ARBOR doesn't provide cold leads. Instead, ARBOR gives you the tools and content to build your own lead funnels and nurture your database.
Licensing and location
Is ARBOR licensed in my state?
ARBOR is licensed in the following states and the District of Columbia, and is adding more. Reach out to see whether your state is next.
Licensed in: AK, AL, AR, AZ, CA, CO, CT, D.C., DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, ME, MD, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WY
Do I need to be licensed in multiple states to join ARBOR?
No. You can start with one state and expand as you go. ARBOR supports your licensing as you grow into new markets.
Can I work remotely?
Yes. ARBOR is remote first. Whether you're working from home, managing a virtual team, or running a branch from across the country, ARBOR's systems and support keep you connected.
Making the move
What does the transition to ARBOR involve?
The transition to ARBOR follows five steps: onboarding paperwork, licensing and setup, marketing your move, training and launch, and support from day one onward. A Partner Liaison builds the plan around your active files and target launch date, and the licensing team handles your transfer while IT sets up your email, ARIVE access, and pricing tools.
How fast can I get onboarded?
Once licensing is in place, most loan officers are live within one to two weeks.
Can I transition to the broker channel without prior experience?
Yes. ARBOR offers hands-on training, mentorship, and onboarding support for loan officers who are new to the broker channel.
Do you offer in-house underwriting or processing?
ARBOR doesn't underwrite in-house. Loans are underwritten by ARBOR's wholesale and correspondent lenders. For processing, you can use ARBOR's in-house processing pods, staffed with a Production Manager, Loan Officer Assistant, and Processor, or bring your own processor.
Can I bring my own processor or team?
Yes. Whether you're working solo or bringing a team, ARBOR supports your structure. You can use your own processor, assistant, or support staff, whichever fits your workflow best.
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