Build your company without the overhead. ARBOR provides the infrastructure- your brand stays front and center.
Building your own mortgage company doesn’t have to mean building everything yourself.
Whether you’re launching a new brand or bringing an existing company onto a stronger foundation, the challenge is the same: scaling without letting overhead, compliance, and infrastructure take over your time and margins.
At ARBOR, DBA owners either build without starting from scratch — or plug an existing operation into enterprise-level infrastructure. You keep your brand, your people, and your decision-making, while ARBOR absorbs the licensing, compliance, technology, and operational responsibilities that typically slow companies down.
You stay in control.
You own your brand.
The real cost of independence is rarely obvious upfront
ARBOR absorbs the highest-impact expenses so every dollar you spend goes toward growth — not maintenance.
Interest, fees, audits, reconciliations, investor relations
Full coverage without the premium burden
E&O, cyber, GL, fidelity
Built-in quality control and regulatory compliance
For company + branches across all states
LOS/POS, pricing engine, EiOS, communications, proposals
When you’re not funding infrastructure, you can fund expansion.
This isn’t a theory. These companies are operating and growing right now.
Whether you’re flying solo, building a team or ready to run your own company- we’re built to flex around you. ARBOR provides the foundation, tools, and support to help you succeed at every stage of your journey.
Total DBA Volume (2025)
States and Growing
Days to Launch a New DBA
Real stories. Real numbers. Real results. Here’s what happens when you stop settling and start building with ARBOR.
Came to Arbor June 2019, everything that was promised - was and continues to be delivered. I thought I was going to give up execution for a better price with leaving the IMB World, but that never happened. Execution, price, product-line, and ownership simply the best!
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 true.
I initially moved to Arbor Financial Group from Cross Country Mortgage because I was so tired of being so far out of the game when it came to price. I moved over in June of 2022 and at that time, CCM was 1 to 1.25% higher in RATE, NOT FEE. I have always prided myself at truly caring about my clients and I could not feel good in my heart offering my clients rates that were high just so the managers, VP's and the owners could line that pockets. My good friend Dat Nguyen convinced me to move over to Arbor, and I have been so happy since I made the move. As I once told Ryan O'Kane, I feel like I have been let out of a cage, and I can finally spread my wings. I am happier than I have ever been in my 23-year career. Arbor has incredible pricing, top notch tech, unbelievable support staff and a feeling of family that is just so rare to find any more in any workspace. I am grateful every day for the opportunity that I have to work for such a top tier mortgage broker. Thank you, Ryan, Dave, and John for bringing me on board. Cheers, Cole David
"I chose to join Arbor because I was looking for a platform that combined competitive pricing with strong support and modern tools, and Arbor has delivered on all fronts. From the start, technology like EiOS, along with the marketing resources and lead generation support, has made it easier for me to grow and manage my business efficiently.
The pricing and compensation structure is not only competitive, but also transparent, which gives me confidence in how I run my pipeline. Beyond that, the support and culture here stand out there’s always someone willing to help, and the leadership team truly wants to see you succeed.
Another major advantage has been the DBA opportunities, which give me flexibility to build my own brand while still leveraging Arbor’s resources and backing. For me, it’s the best of both worlds: independence paired with the tools and support I need to thrive."
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!
After struggling at retail banks with uncompetitive pricing, operational challenges and endless meetings for years, I finally made the jump to become a mortgage broker with Arbor Financial in Summer of 2018. It was the best decision of my 20-year career. Now I have 100+ lenders my clients can choose from, a best-in-class marketing platform and I am able to focus on what I do best: ORIGINATING LOANS. I would urge any Loan Officer who is tired of the retail red tape to make the switch NOW to Arbor Financial.
"I can't say enough how awesome it is to be an LO with the Arbor family. The owners and management are super friendly, down to earth, reachable and always available to help. The culture and vibe are contagious; the quarterly lender events are epic in bringing Arbor nation together. The marketing, support, software, and freedom to run your own business (DBA) is a huge plus. The ability to choose retail, broker, or non-delegated channel provides a competitive edge with pricing to win the deal. Eios the proprietary software is amazing; it does all the follow up and marketing for you. A real plug and perform system.
The compensation plan is fantastic. The best part is you get a breakdown of your compensation after the loan funds. Very transparent and the wire arrives 1-2 days after. No hunting around for commissions, shortages or issues. It's very clear and simple. Arbor gives the LO freedom to run their own business with flexibility and room for growth. I love Arbor and highly recommend joining Arbor Nation."
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.
I love working for Arbor! As a 25 year mortgage business veteran having worked as a broker and retail lender over the years - I can honestly say with out doubt Arbor is the best company I have worked for. The support, tools, lender options, and resources for everything needed to run a high functioning loan practice are here at Arbor. Not only that but you are truly independent to run your business as you see fit without corporate red tape that you run into with retail lenders. The leaders of the company are all seasoned mortgage professionals that 'get it'. This is the most pro loan officer company I have ever worked for. Anyone joining will not be disappointed.
Join the growing network of DBAs who are scaling faster, operating leaner,
and maintaining complete control of their business.
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.
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.
