NEXA vs Loan Factory.
Both platforms market 100% payouts, so the comparison usually stalls there. The real differences are what you pay monthly, how much of the lender panel you can reach, and what sits around the compensation plan.
Both NEXA and Loan Factory market close-to-100% payouts with no desk fees. NEXA pairs 100% of the revenue on its nine NEXA Unlimited providers with a 321-lender panel, servicing income and an optional revenue share, in exchange for a disclosed monthly technology cost. Loan Factory markets a lean, low-fixed-cost model. The honest difference is infrastructure versus simplicity.
Where they actually differ.
| Factor | NEXA Unlimited | Loan Factory |
|---|---|---|
| Payout | 100% of the revenue on the nine NEXA Unlimited providers | Markets 100% commission |
| Per-file fees | None on NEXA Unlimited | Check current Loan Factory terms |
| Monthly cost | Disclosed technology fee plus your LOS | Markets low or no monthly fees |
| Recruiting requirement | None on NEXA Unlimited | Check current Loan Factory terms |
| Lender panel | 321 lenders, 7,000+ products | Wholesale panel - verify size directly |
| Servicing income | Roughly $25 to $30 per loan per month via eVOLend | Not a marketed feature |
| Revenue share | 10 bps, three levels, capped at $3,000/LO/month | Verify current program directly |
| Scale | 4,192 NMLS-sponsored loan officers (Oct 2026) | Verify on NMLS Consumer Access |
Loan Factory entries reflect its public marketing and are subject to change - verify current terms directly with Loan Factory. NEXA terms are set by NEXA Mortgage, LLC and are subject to change.
The real decision.
Choose NEXA if
You want the largest possible lender panel and product range, you value the servicing and revenue-share layers, and you are comfortable with a disclosed monthly cost in exchange for that infrastructure.
Choose Loan Factory if
Your priority is the leanest possible fixed monthly cost and the simplest structure, and you do not need a 321-lender panel or additional income layers.
Neither is wrong. It depends on whether your bottleneck is fixed cost or product access - and the answer is different for a 3-loan-a-month producer than for a 20-loan-a-month branch builder.
Compare the numbers yourself.
This comparison is written by a NEXA Executive Partner, so weight it accordingly. Get both fee schedules in writing and put them side by side.
Disclosure: I am a NEXA Executive Partner and I earn revenue share when loan officers I sponsor fund loans. I benefit if you join through me. Read this page with that in mind, and compare me to at least two other sponsors before you decide.
Last updated October 2026.
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This site is for the recruitment of licensed mortgage professionals and is not an advertisement for consumer credit, an offer of employment, or a commitment to any specific compensation. Compensation, lender availability and program terms are set by NEXA Mortgage, LLC and are subject to change - verify all current terms directly with NEXA Mortgage, LLC. Bill Burg, NMLS# 1647508, AZMB#0944059 | NEXA Mortgage, LLC, NMLS ID #1660690 (nmlsconsumeraccess.org). Equal Housing Opportunity.