The Question Everyone Asks
How does NEXA pay 100% of the revenue and stay profitable?
It is the first thing most loan officers ask, and it deserves a real answer rather than a slogan. The short version: NEXA does not make its money on your loan. It makes it on scale, volume, and an ecosystem of businesses built alongside the lending operation.
"This sounds too good to be true."
We hear it every week. It is a fair question, and it deserves a real answer — not a slogan. Here is exactly how NEXA pays out 100% of the revenue and still runs a profitable company.
Because NEXA does not make its money on your loan
NEXA's business model is built on scale, volume, operational efficiency, and an ecosystem of businesses and systems — not on taking a cut of every individual transaction. That is the whole answer in one sentence.
Because NEXA operates at a scale most brokers never reach, the company does not need to collect on each loan to be profitable. Volume does the work.
Where the revenue actually comes from
Six real sources — and none of them come out of your compensation.
Source 01
Aggregate volume across the platform
Thousands of loan officers originating means NEXA earns on scale, not on margin per file. The company makes money on volume.
Source 02
The technology platform
A monthly per-person technology fee, plus revenue from the platform's systems and tooling.
Source 03
Servicing income
Recurring revenue on the servicing side of the book — income that continues independent of new originations.
Source 04
Events and company ventures
Events, acquisitions, partnerships, and additional business lines developed alongside the lending operation.
Source 05
Revenue share retention
When a loan officer leaves, their downline does not contract — it becomes NEXA's. Those retained lines are a durable revenue base.
Source 06
The surrounding ecosystem
Businesses around the mortgage transaction — lead generation, servicing, title, insurance, and real estate — that generate revenue independently of the loan.
Revenue sources are described from NEXA's public statements and executive interviews. Program terms and fee structures are set by NEXA Mortgage, LLC and are subject to change — verify current terms directly.
The economics, on the record
"NEXA makes money. We have simply built the company differently. We do not believe the answer has to be taking more and more from the loan officer on every transaction. NEXA Unlimited is possible because we have spent years building scale and creating a model that does not depend on that. I don't need to make money on individual loans anymore, I make money on volume."
Mike Kortas, Founder & CEO, NEXA Mortgage
"We don't hire recruiters. What we do is give away the profits to the recruiting loan officers, so that they can recruit other loan officers directly. We truly believe that if we give loan officers the income off the loans, they will grow the company."
Mike Kortas
"There are more ways to make money than on loan fees for a broker. I won't give out trade secrets, but it's a real and sustainable thing."
Mike Kortas
"When we do our revenue share model and somebody leaves NEXA, those downlines don't contract. Those become NEXA's spot. So NEXA has hundreds of spots all over the place. We actually make more money when someone leaves the company sometimes."
Mike Kortas
"This is probably the boldest program we've launched, because it goes against the fear that if you give too much of the split to loan officers, you do not have anything left to run the company. We don't believe that."
Michael Neill, Director of Correspondent Lending, NEXA Mortgage
Quotations are drawn from NEXA's public announcements, press coverage, and executive interviews, and are reproduced as reported.
What 100% of the revenue means in practice
A few clarifying points, because "100%" gets used loosely across the industry.
| Question | Answer |
|---|---|
| Is it 100% of the commission or 100% of the revenue? | 100% of the revenue — the company's full revenue on the loan. That is a larger number than a commission split. |
| Is there a catch with a downline? | No. NEXA Unlimited covers nine providers and requires no recruiting at all. A separate tier of 28 lenders requires one producing recruit. |
| Are there per-file fees? | None on NEXA Unlimited. You can check the rate sheets. |
| How is it paid? | Twice daily, landing 24–48 hours after closing. |
| Is any of it held back? | Everything above your chosen compensation setting stays in your own growth and marketing ledger — your revenue, drawable as a retention bonus every six months. |
| How much of NEXA's volume is 100%? | Over 96% of NEXA's loans run through the nine NEXA Unlimited providers. |
Check the rate sheets
On fees, the answer has been equally direct: "People are making accusations that there will be filing fees attached to this. There are no file fees attached to this. There are no hidden fees. You can check our rate sheets."
So do exactly that. Ask for the rate sheet. Compare it against your current lender's. The economics are verifiable, and we would rather you check than take our word for it.
If a company cannot explain where its revenue comes from, you should ask why.
This page is for the recruitment of licensed mortgage professionals and is not an advertisement for consumer credit. Compensation figures and program details are illustrative and subject to qualification and change. Figures are set by NEXA Mortgage, LLC — verify all current terms and rate sheets directly. Bill Burg, NMLS# 1647508. AZMB#0944059 | NEXA Mortgage, LLC. NMLS ID #1660690. Equal Housing Opportunity.
Don't take our word for it — check the math
Book a call and we'll pull the real rate sheet and run your actual production numbers against it.
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. Quotations are drawn from NEXA's public announcements, press coverage, and executive interviews. Compensation figures, statistics, and program details are illustrative, subject to qualification, and subject to change — verify all current terms and rate sheets directly with NEXA Mortgage, LLC. Bill Burg, NMLS# 1647508. AZMB#0944059 | NEXA Mortgage, LLC. NMLS ID #1660690. Equal Housing Opportunity.