NEXA does not make its money on your split.
That single sentence is the whole model. Most brokerages pay the originator a share of the revenue and keep the rest as operating margin. NEXA earns across a set of businesses that are not your loans - which is what lets it pay you 100% of the revenue and still be profitable.
Loan officer and branch counts: NMLS Consumer Access, NEXA Mortgage, LLC record 1660690, October 2026. Volume: projected above $16 billion in the August 2026 NEXA-UMortgage announcement; RETR data reported by HousingWire put annual volume at $14.15 billion at the time of the acquisition.
If the company needs your split, it will keep taking your split.
A retail lender's revenue model is your production. It has to be - they staff branches, carry overhead and pay a corporate structure out of the margin your loans produce. That is why the split exists and why it does not move in your favor.
NEXA's model is different in kind, not degree. The company earns from a set of businesses that run separately from your loans. Those businesses fund the company. Your loans fund you.
"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 & Executive Partner, NEXA Mortgage
Six revenue streams that are not your commission.
Volume across the platform
Thousands of loan officers originating means NEXA earns on scale, not on margin per file. At 4,192 NMLS-sponsored loan officers and a projected $16B+ in annual volume, its pricing position with its wholesale providers is not something a small brokerage can replicate.
The technology platform
A monthly per-person technology fee, plus the platform itself: point of sale, CRM, loan origination system and Bevri AI, with NEXA Lending as Bevri's first client.
Servicing
Loans are retained and serviced through eVOLend. The originator earns roughly $25 to $30 per loan per month, and the company earns on the book it holds.
Partner companies
Realty, title, secured mortgage processing and a national insurance brokerage, including FSBO.com. Each one earns independently of your loan.
Events and education
NEXAfest, NEXA Academy and the training programs operate as their own lines of business.
Revenue share retention
When a loan officer leaves, their downline does not contract - it stays with NEXA. Those retained lines are a durable revenue base.
Revenue sources described at a structural level. Specific terms and programs are set by NEXA Mortgage, LLC and are subject to change.
What you carry yourself.
100% of the revenue means you are running your own business. That has a real cost side, and any site that does not say so is selling you something. Here is the actual trade.
You generate your own business
NEXA is a broker platform, not a lead machine. There are no inbound leads assigned to you. Your realtor relationships, past clients, CPA and financial planner referrals and personal network are your pipeline. Producers who already have that do very well here. Loan officers who need leads handed to them do not, and that mismatch is the most common reason someone has a bad experience.
You carry your own operating costs
The monthly per-person technology fee, your marketing, any tools beyond the included platform, and your normal cost of doing business are yours. Revenue above your chosen compensation setting goes to your own growth and marketing ledger to fund them. Ask for the current fee amounts in writing.
Coaching is included now
NEXA Academy coaching used to cost $250 a month. It is now included at no cost, which makes the ramp for newer loan officers cheaper than it was before May 2024.
There is no salary and no draw
Commission only, with W-2 and 1099 options depending on your state. If a guaranteed paycheck matters more to you than upside, this is the wrong model and we would rather you know that now.
Why the platform is bigger than the payout.
A comparable split at another brokerage gets you the split. Here the same production also sits on top of businesses and partner platforms that produce their own income and their own lead flow.
Bevri AI
Agentic origination that completes the 1003, validates income and assets, and runs DU and LPA findings. Built with NEXA as its first client.
AXEN Realty
A national real estate company launched in June 2025 that onboarded more than 500 agents in its first 90 days - realtor relationships at scale for NEXA loan officers.
Servicing through eVOLend
Residual income on the loans you close, and client retention that keeps the relationship after funding.
Revenue share
10 bps, three levels deep, up to $3,000 per producing loan officer per month. Optional, and paid by NEXA.
FSBO.com
A national for-sale-by-owner platform acquired in February 2025. NEXA loan officers get access and lead discounts from the traffic it generates.
The Freedom Machine
The lead generation and AI follow-up system Bill Burg built for agents and loan officers who want to own their own pipeline.
Every day is payday.
Payroll runs twice daily as loans fund, and funds land within 24 to 48 hours of closing. Not on a monthly cycle, not on a lag. The money moves when the loan does.
What actually happens after you say yes.
Most people considering a move ask this last, when it should be first: what does the transition look like, week by week, and who is helping me.
Licensing, setup, first files
- State licensing transferred and activated in the states you actually originate in
- Lender access configured through NEXA Unlimited - the nine providers that pay 100% of the revenue with no recruiting requirement
- Compensation set the way you want to run your business
- NEXA Academy onboarding begins, at no cost
- Payroll live: loans pay out twice daily, landing 24 to 48 hours after closing
Pipeline, systems, support
- Active coaching through NEXA Academy - the coaching that used to cost $250 a month, now included
- Processor and back-end support assigned so you originate instead of administrate
- Your existing pipeline migrated and running through the platform
- Realtor and referral-partner conversations opened, with branch mechanisms behind you
- Access to NEXA's partner companies for leads, marketing, and JV opportunities
Scale and second income
- Production stabilized at your normal pace, on a lender menu you did not have before
- Revenue share opens as the people who want to follow you come aboard - 10 bps on their production, three levels deep
- Servicing income begins building on every loan you close
- Branch and team structures available if you want to build one, on your terms
- Leadership path available for producers who want it
Timeline varies with state licensing speed and your own pipeline. Program details, compensation, and available support are set by NEXA Mortgage, LLC and are subject to change. This describes what the platform provides - it is not a promise of income or production.
Bring your production. We will run the numbers with you.
Twenty minutes on your actual volume tells you more than any page can.
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.
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.