Start Your CompanyARBOR Financial Group · NMLS #236669
Built for Every Path
Built for Loan Officers Who Want Their Own Company
Whether you’re flying solo, building a team, or ready to run your own mortgage company, ARBOR gives you company licensing, compliance, access to 150+ lenders, and support to grow at every stage.
- $815M+ Total DBA Volume (2025)
- 48 States and Growing
- <30 Days to Launch a New DBA
Two Paths, One Platform
Choose How Your Company Shows Up
The platform is identical either way. The only question: our name alongside yours, or yours alone?
Powered by ARBOR:
- Your Name, Alongside Oursyour identity carries your own name together with ARBOR’s
- No DBA Filingsno state or NMLS DBA filings; you operate under ARBOR’s licensing
- Faster to Launcha lighter, more cost-effective way to get up and running
- Simpler to Maintainscales whether you’re licensed in two states or twenty
Why Loan Officers Choose ARBOR
ARBOR Financial Group lets you run a mortgage company under your own brand without building the licensing, compliance, and capital infrastructure from scratch.
ARBOR administers company and branch licensing in every state where the company operates, so you don’t have to file separate applications, bonds, and renewals in each one.
ARBOR also covers warehouse line expenses, bonding, and errors and omissions insurance, the three costs that most often stop a producing loan officer from opening a company.
You keep the parts that define ownership: your brand name, your P&L, your team, your recruiting decisions, and your compensation plan.
And the best part, you keep control of your company, team, and decisions, and get your time back to grow your business.
All-In-One Support
Benefits of Doing Business with ARBOR
Your Brand, Your Company:
- Full Autonomyover your brand, margins, compensation plans, recruiting, and how you grow your company
- Freedom to Flexgrow, pause, or pivot on your own timeline as your business evolves
- Your Company Namewith your logo and colors on your own branded web page and on every proposal, update, and client-facing document
- Your Own P&Lwith full transparency into income and expenses, no caps, and no hidden splits
- Your Team, Your Choicebring your own processor and team, or use ARBOR’s in-house processing team
- DBA-Friendly Structurethat feels like running your own company
Lower Your Costs with ARBOR’s Support
ARBOR absorbs the highest-impact expenses so your money can go toward growth.
What ARBOR Covers:
- Warehouse Line ExpensesInterest, fees, audits, reconciliations, investor relations
- Bonding & Professional Liability InsuranceFull coverage without the premium burden
- Corporate Insurance StackErrors and omissions, cyber, general liability, fidelity
- Quality Control & ComplianceBuilt-in quality control and regulatory compliance
- Licensing AdministrationFor the company and its branches in every state where ARBOR is licensed
- Core Tech StackLoan software, pricing engine, EiOS, communications, proposals
When you’re not funding infrastructure, you can fund expansion.
Launch Your Lending Business in Less than 30 Days
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1
Welcome to the Team
Get onboarded quickly so you can hit the ground running.
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2
Get Licensed & Connected
ARBOR handles your license transfer while IT sets up your email, system logins, and pricing engine access.
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3
Get the Word Out
Connect with our marketing team to design your custom materials, including email templates, social posts, and partner announcements, so the world knows.
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4
Train, Approve & Launch
Finish onboarding training, get your licenses approved, and start converting!
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5
In It Together
Our team is with you from day one and whenever you need us. Together, we’ll keep honing your business for success.
Real stories. Real results.
Success Stories From Businesses Like Yours
Here’s what happens when you stop settling and start building with ARBOR.
You’ve seen ARBOR’s work without knowing it
These brands run under their own names, backed by ARBOR.
Broadway
- 2025 Volume: $34M
- 2025 Units: 84
America’s Choice
- 2025 Volume: $7M
- 2025 Units: 4
CMC
- 2025 Volume: $104M
- 2025 Units: 184
Everyday Lending Group
- 2025 Volume: $77M
- 2025 Units: 112
Focus Home Lending
- 2025 Volume: $48M
- 2025 Units: 117
ARBOR Financial Group
- 2025 Volume: $1.8B
- 2025 Units: 3,260
Lumi Funding Group
- 2025 Volume: $53M
- 2025 Units: 53
Ownity Mortgage Lending
- 2025 Volume: $51M
- 2025 Units: 158
Partners Mortgage
- 2025 Volume: $238M
- 2025 Units: 536
Habayit Home Loans
- 2025 Volume: $15M
- 2025 Units: 45
Percent Mortgage
- 2025 Volume: $11M
- 2025 Units: 28
Hover or tap a logo to see that brand’s 2025 results.
FAQ
Frequently Asked Questions About Our Platform
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. Along with its own loan officers, ARBOR supports mortgage companies that operate under their own brands as DBAs, handling company licensing, compliance, technology, and operations behind the scenes.
How does the DBA model work at ARBOR?
You keep your business; ARBOR provides the infrastructure. You operate under your own brand and retain control over your people, recruiting, margins, compensation, and day-to-day business decisions, while ARBOR handles much of the licensing, compliance, technology, marketing support, investor access, and operational infrastructure behind the scenes.
Can I brand myself or use a DBA?
Yes. ARBOR is one of the few companies that actively supports DBA structures. If you already have a brand, or want to create one, ARBOR will help you set it up and stay compliant in the states where you operate.
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 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.
Can I grow a team under me?
Yes. ARBOR supports team building, whether you’re adding processors, junior loan officers, or building a full branch or DBA, and helps you scale as you grow.
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.
How fast can I get onboarded?
ARBOR launches new DBAs in less than 30 days. Here’s how it works:
- Onboarding: ARBOR starts your onboarding paperwork right away, so you know exactly what to expect and when.
- Licensing and setup: ARBOR’s licensing team starts your license transfer while IT sets up your email, system logins, and pricing engine access.
- Marketing: ARBOR’s marketing team builds your branded materials, including email templates, social posts, and partner announcements.
- Launch: You complete onboarding training, your licenses are approved, and you’re ready to take applications.
After launch, ARBOR’s team stays with you to troubleshoot and fine-tune as your company grows.
Is it hard to start a mortgage company?
Knowing how to open a mortgage company is mostly a licensing and capital question. An independent company needs its own NMLS company license in every state, a surety bond, a minimum net worth, a warehouse line or lender agreements, and a compliance function. Under ARBOR, the founder keeps the brand and P&L while ARBOR handles licensing administration, bonding, and errors and omissions insurance, which removes most of the difficulty.
How much money is needed to start a mortgage company?
It depends on the state, since each state sets its own surety bond and net worth requirements. On top of licensing, an independent company pays application and renewal fees, insurance, and, if it funds its own loans, warehouse line costs. A company started under ARBOR doesn’t fund the bond, the errors and omissions insurance, or the warehouse line, because ARBOR covers those costs.
How much does a mortgage broker make on a $500,000 mortgage?
Mortgage loan officer compensation is usually expressed in basis points, where 100 basis points equals 1 percent of the loan amount. At 100 basis points, a $500,000 loan produces $5,000 in gross commission before splits and fees. The loan officer compensation calculator shows what your own volume would pay under an ARBOR Financial Group plan.