The atherogenic lipid concentration at the luminal surface of a blood vessel may vary according to its location in the arterial tree because of regional differences in wall shear rate, blood pressure, and vascular permeability. We therefore hypothesized that these local variations in the luminal surface lipid concentration may contribute to the localization of atherosclerosis. To verify this hypothesis, the transport of low-density lipoproteins from flowing blood to the arterial wall was studied numerically under both steady-state and pulsatile flow conditions. Numerical analysis predicted that "concentration polarization" of LDL may occur in the arterial system under these conditions. In contrast to steady-state flow conditions, the luminal surface LDL concentration varied with time in a cardiac cycle. However, its time-average value was slightly higher than the corresponding value under steady-state flow conditions. The time-average value of the luminal surface LDL concentration was 5 to 14% greater than the bulk concentration in a straight segment of an artery. The luminal surface LDL concentration at the arterial wall was flow-dependent, varying linearly with the filtration rate through the vessel wall and inversely with wall shear rate. This may therefore have some significant implications for the pathogenesis and localization of vascular disorders.