The Retail LO Advantage

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 150+ 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.

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.

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 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.

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 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.

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.

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.

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.

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.

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.

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.

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 don’t do cold leads. Instead, we give you the tools and content to build your own lead funnels and nurture your database effectively.

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.

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.

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., 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

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.

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.

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.

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

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 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. For processing, you can use ARBOR’s in-house processing pods or bring your own processor.