Compensation Guide
How NEXA compensation actually works
No adjectives — just the named mechanics and the math. Here is exactly how 100% of the revenue works at NEXA Unlimited, what it is worth at your volume, and how much of it you control.
The named mechanics
The compensation chart
Your margin drives everything. The chart sets your compensation, and everything above your compensation stays in your own growth and marketing ledger — so the full margin is still yours.
| Margin | Your comp | Into your ledger | Your share of margin |
|---|---|---|---|
| 400 bps | 330 bps | 70 bps | 82.5% |
| 375 bps | 308 bps | 67 bps | 82.1% |
| 350 bps | 286 bps | 64 bps | 81.7% |
| 325 bps | 264 bps | 61 bps | 81.2% |
| 300 bps | 242 bps | 58 bps | 80.7% |
| 275 bps | 220 bps | 55 bps | 80.0% |
| 250 bps | 198 bps | 52 bps | 79.2% |
| 225 bps | 176 bps | 49 bps | 78.2% |
| 200 bps | 154 bps | 46 bps | 77.0% |
| 175 bps | 132 bps | 43 bps | 75.4% |
| 150 bps | 110 bps | 40 bps | 73.3% |
| 125 bps | 88 bps | 37 bps | 70.4% |
| 100 bps | 66 bps | 34 bps | 66.0% |
| 75 bps | 44 bps | 31 bps | 58.7% |
NEXA compensation chart, effective for loans funding September 1, 2026 forward. The higher your margin, the greater the share you keep — from 58.7% at 75 bps to 82.5% at 400 bps. Verify the current chart directly with NEXA Mortgage, LLC before relying on any figure.
Your share of the margin rises with your margin
The comp chart isn’t flat. The higher you set your margin, the greater the share you keep — from 58.7% at 75 bps to 82.5% at 400 bps.
Derived from the NEXA compensation chart, effective for loans funding September 1, 2026 forward. Verify the current chart directly with NEXA Mortgage, LLC before relying on any figure.
What 100% of the revenue looks like per month
Based on our benchmark: a $400,000 loan at a 275 bps margin, with compensation set at 220 bps and the balance flowing to your ledger. Actual figures vary with loan size, product, pricing, and the margin you set.
5 loans / month
10 loans / month
20 loans / month
| Monthly volume | Paid to you | Your ledger | Your total 100% | Annual |
|---|---|---|---|---|
| 5 loans ($2.0M) | $44,000 | $11,000 | $55,000 | $660,000 |
| 10 loans ($4.0M) | $88,000 | $22,000 | $110,000 | $1,320,000 |
| 20 loans ($8.0M) | $176,000 | $44,000 | $220,000 | $2,640,000 |
Illustrative examples on a $400,000 loan at a 275 bps margin, compensation at 220 bps, and the balance to the growth and marketing ledger. Retail comparison shown as a 40–60% split of the same revenue. Not a guarantee of earnings — actual results depend on your volume, product, pricing, margin, and performance.
Two numbers, not one
100% of the revenue is paid in two places: your compensation, and your own growth and marketing ledger. Both are yours.
| Where your 100% goes | What it does |
|---|---|
| Your compensation | Paid to you directly — twice daily, within 24–48 hours of closing |
| Your growth & marketing ledger | Funds your marketing and business expenses — and you can draw it down as a retention bonus, all but $5,000, every six months |
The ledger is not money withheld from you. It is your own revenue, held in your own ledger, and it is drawable. W-2 loan officers can receive a company card for business expenses; otherwise expenses are reimbursed.
You are in control of your numbers
The $400,000 loan in these examples is a conservative benchmark — not a ceiling and not a target. It is simply a consistent figure so the math is easy to follow.
You control your loan sizes, your margins, and your volume. Write $500,000 loans or $600,000 loans and every figure scales up with them. Set a higher margin and your revenue per loan rises with it. Nothing here limits what you can earn — it only shows you a floor.
How your revenue scales with loan size
| Loan size (at 275 bps margin) | Revenue per loan | Your comp at 220 bps | Into your ledger |
|---|---|---|---|
| $400,000 | $11,000 | $8,800 | $2,200 |
| $500,000 | $13,750 | $11,000 | $2,750 |
| $600,000 | $16,500 | $13,200 | $3,300 |
Illustrative only, using a 275 bps margin with compensation at 220 bps. Revenue and compensation scale proportionally with loan size and with the margin you choose. Actual figures depend on product, pricing, and your compensation setting — verify current terms and the current compensation chart directly with NEXA Mortgage, LLC.
Plus: servicing income on top
Separate from your compensation, NEXA loan officers build recurring servicing income on the loans they close. It is a book of business that keeps paying after the loan funds.
Servicing income is paid at roughly $25 to $30 per loan, per month, and it recurs every year. At 5 closings a month that compounds to about 240 loans over four years. At 10 closings a month, it is around 480 loans.
| Production pace | Loans after 4 years | Recurring servicing income |
|---|---|---|
| 5 loans / month | ~240 loans | ~$80,000 / year |
| 10 loans / month | ~480 loans | ~$160,000 / year |
Servicing income estimates move with loan size, retained servicing, and program terms. The range reflects $25–$30 per loan, per month, across the loans you close. This is not a guarantee of earnings. Verify current terms directly with NEXA Mortgage, LLC. See how servicing income works →
Want the math on your volume?
Book a call and we will run your actual production numbers — your loan sizes, your margins, and what 100% of the revenue is worth to you. Bring your real volume and we will use it, not a benchmark.
Bill Burg — Executive Partner, NEXA Lending
Running my lending business from a sailing catamaran in the Caribbean for the last 18 months. Same platform, same economics, real freedom. 23 years in real estate and mortgage.
This page is for the recruitment of licensed mortgage professionals and is not an advertisement for consumer credit, nor an offer of employment or a commitment to any specific compensation. Compensation and servicing figures are illustrative examples based on a representative revenue-per-loan assumption and are not guarantees of earnings; actual compensation depends on loan volume, product, pricing, margin, and individual performance. Program terms, compensation charts, and payout structures are set by NEXA Mortgage, LLC, are subject to qualification, and may change — verify all current terms directly. AZMB#0944059 | NEXA Mortgage, LLC. NMLS ID #1660690 (nmlsconsumeraccess.org). Equal Housing Opportunity.