NEXA Lending compensates loan officers through a multi-stream broker model that includes production-based commission splits, the NEXA100 program (100% commission for the first 6 months for qualified producers), revenue share on recruited producers, and branch/team leadership overrides. Unlike retail lenders that pay a fixed salary plus small per-loan bonuses, NEXA's broker model lets producers keep significantly more of the commission on each loan while accessing 270+ wholesale lenders.
Matt Dean
NEXA Lending Recruiting Professional
NEXA Lending uses a broker compensation model with four primary income streams: (1) production-based commission splits via the 275 bps model, (2) the NEXA100 program offering 100% commission for the first 6 months for qualified producers, (3) revenue share from recruiting other producers to the platform, and (4) branch/team leadership overrides for those building teams. There are no per-file transaction fees, no desk fees, and no franchise costs.
The NEXA100 program is a first-six-month incentive for qualified producers who join NEXA Lending. During this introductory period, the loan officer keeps 100% of the commission on every loan they close. After the first six months, the producer transitions to the standard 275 bps model — which is still highly competitive compared to retail lender splits.
100%
Commission — First 6 Months
275 bps
Standard Compensation Model
$0
Per-File Transaction Fees
In mortgage broker compensation, one basis point equals 0.01% of the loan amount. The 275 bps model means the loan officer earns 2.75% of the loan amount as gross commission. Here's how that translates at different production levels:
| Monthly Volume | Annual Volume | Gross Commission (275 bps) | Retail Equivalent (~75 bps) |
|---|---|---|---|
| $500K | $6M | $165,000 | ~$45,000 |
| $1M | $12M | $330,000 | ~$90,000 |
| $2M | $24M | $660,000 | ~$180,000 |
| $3M | $36M | $990,000 | ~$270,000 |
Note: The "Retail Equivalent" column is an illustrative comparison only. Actual retail compensation varies by employer and is typically a combination of base salary plus per-loan bonuses. Individual results vary based on production, market conditions, and split structure. This is not a guarantee of income.
NEXA's revenue share program allows producers to earn override income on the production of loan officers they personally recruit to the platform. When you bring another producer to NEXA and they close loans, you earn a small percentage of the company's revenue from their production — without reducing their own commission.
How it works: When Producer A recruits Producer B to NEXA, Producer A earns a revenue share override on Producer B's funded volume. Producer B still keeps their full commission split. The override is paid by NEXA, not deducted from Producer B's earnings. This creates a passive income stream that grows as your recruited producers succeed.
Revenue share details are discussed confidentially during the private briefing. Individual results vary.
Branch managers and team leaders at NEXA can earn additional overrides on the production of loan officers within their branch or team structure. This is designed for entrepreneurial producers who want to build a business beyond their personal production.
| Factor | Retail / Captive Model | NEXA Broker Model |
|---|---|---|
| Commission Per Loan | 50–125 bps (varies by employer) | 275 bps standard model |
| Base Salary | $30K–$60K typical | No base; 100% commission |
| Per-File Fees | Often none (absorbed by lender) | $0 per file |
| Revenue Share | Rare or limited | Available through recruiting |
| Branch Overrides | Branch P&L model | Override on team production |
| Lender Access | Single lender menu | 270+ wholesale lenders |
| Income Ceiling | Capped by employer structure | Scales with production + recruiting |
Schedule a confidential briefing to see how your current production translates under NEXA's model.