For the Skeptics
"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
Four real sources — and none of them come out of your commission.
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 per-person monthly technology fee as low as $55/month, plus revenue from the platform's systems and tooling.
Source 03
Events and company ventures
Events, acquisitions, partnerships, and additional business lines developed alongside the lending operation.
Source 04
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.
NEXA Unlimited is the only plan that pays 100% at every margin
Effective for loans funding September 1, 2026 forward. At 300–400 bps margin, brokered and NEXA 100 are both closed — NEXA Unlimited is 100% on every loan, from 75 bps all the way to 400.
NEXA Unlimited (9 providers) is 100% at every margin with no recruit requirement. NEXA 100 non-delegated (28 lenders) pays 100% once you bring one producing LO. Broker companies (284 lenders) split 220/55 bps until $2M in production, then move to 100% — but over 96% of NEXA's loans run through the nine Unlimited providers. Your percentage of margin rises with margin — from 58.7% at 75 bps to 82.5% at 400 bps. Program terms are set by NEXA Mortgage, LLC and are subject to change — verify current rate sheets 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
"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
Check the rate sheets
On fees, Kortas 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.
Quotations are drawn from NEXA's public announcements, press coverage, and executive interviews. Program terms, fees, and compensation structures are set by NEXA Mortgage, LLC and are subject to change — verify all current terms and rate sheets directly.
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.
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. 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. Equal Housing Opportunity.