Grow Funding Group Powered by NEXA Lending
Loan Officer Compensation Calculator

See what you'd make at NEXA — before you switch.

Enter your average loan size and current comp. We'll show your NEXA take-home side by side with what you make now — plus what NEXA 100 and NEXA Unlimited could add on top.

Run your numbers

Updates instantly as you type. No contact info needed.
Please enter a valid amount in each field above.
What you make now
150 bps
Take-home per month
$0
NEXA take-home
220 bps · every deal
Take-home per month
$0
+$0/mo
NEXA 100 Ledger
55 bps · conditions apply
Ledger credit per month
$0
Growth & Marketing fund, not personal income
NEXA Unlimited
275 bps · approved lenders
100% of Revenue, per month
$0
No split, no recruiting required
Your Year 1 take-home at NEXA
$0
vs. $0 staying where you are
The difference
$0
+0% more

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The math, in the open

Where every basis point goes

NEXA's standard 1099 plan starts at a 275 bps margin — 300 bps or more on Non-Delegated lenders. Here's exactly what's taken out, and what lands with you, on every deal, every month — no conditions.

Total margin
275bps
NEXA's base plan. Non-Delegated lenders: 300 bps or more.
Per-deal fee
−25bps
Flat fee, same on every file, before the company split.
Company split
−12%
Applied to what's left after the flat fee — not the full margin.
You take home
220bps
(275−25) × 88% — your standard take-home rate, every month.

NEXA 100 and NEXA Unlimited are two separate ways to do better than this baseline — see how each one works below.

NEXA 100

That 55 bps builds your business — not NEXA's bottom line.

Your take-home commission stays the standard 220 bps no matter what. What changes under NEXA 100 is where the other 55 bps goes: instead of NEXA keeping it, that flat fee and company split are credited dollar-for-dollar to your own Growth & Marketing Ledger — a business fund you draw on for marketing, lead generation, tools, and the other costs of growing your production.

  • Automatic for your first 6 months at NEXA — no conditions
  • After month 6: active in any month you've recruited 1 loan officer to NEXA and that recruit closes a loan that same month
  • Same 220 bps take-home commission either way — the Ledger is on top, not instead of
  • Ledger funds are yours to spend growing your business — not held-back pay
On a $350,000 loan
$7,700
take-home commission — same as always
Plus $1,925 credited to your Growth & Marketing Ledger, months this is active.
NEXA Unlimited

100% of the Revenue. No recruiting. No time limit.

Close with one of NEXA's approved Unlimited lenders and you keep 100% of the Revenue on that deal — the standard 25 bps fee and 12% company split simply don't apply. There's no recruiting requirement and no expiration: it works this way on every qualifying deal, every month, for every NEXA producer.

  • 100% of the Revenue on every loan closed with an approved lender
  • No recruiting requirement, unlike NEXA 100
  • Always on — not limited to your first 6 months
  • Stacks with your standard business; use it on the deals that qualify
UWM Pennymac Deephaven Finance of America eLend + more coming
On a $350,000 loan
$9,625
100% of the Revenue at 275 bps — vs. $7,700 take-home on a standard deal
No 25 bps fee. No 12% split. Just the full margin, straight to you.
Grow Funding Group Powered by NEXA Lending
Figures are estimates based on NEXA's standard 1099 compensation structure: a 275 bps base margin (300 bps or more on Non-Delegated lenders), a flat 25 bps per-deal fee, and a 12% company split. NEXA 100 is automatic for your first 6 months; after that it requires recruiting 1 loan officer to NEXA who also closes a loan in that same month — when active, the standard fee and split are credited to your Growth & Marketing Ledger (a business fund) rather than kept by the company, on top of your normal take-home pay, not instead of it. NEXA Unlimited pays 100% of the Revenue, with no recruiting requirement and no time limit, only on loans closed with an approved Unlimited lender (currently UWM, Pennymac, Deephaven, Finance of America, and eLend, with more being added); it does not apply to other lenders. NEXA offers both 1099 independent-contractor and W-2 employee compensation plans; some states require the W-2 structure, which carries different splits, tax withholding, and thresholds. Actual compensation varies by license type, state, payroll status, lender, and deal specifics. Confirm your exact plan, current qualifying lender list, and numbers with your NEXA recruiter before making a decision.