***Maximum compensation to a loan officer will not exceed 300 bps. Any amount above that threshold is allocated to the overage ledger. Revenue share levels unlock based on 1st level recruits. Revenue share is paid from company profit, never from loan officer compensation.
For qualifying NEXA 100 transactions, NEXA waives both the 25 BPS operational cost and the 12% revenue-share fee. The additional 10% deduction shown for eligible W-2 compensation scenarios remains in this illustration.
W-2 note: The 10% shown for applicable W-2 loan officers is a modeled compensation deduction. It should not be described as the amount required by law for federal taxes or as an employee's complete tax withholding; actual payroll taxes and withholding vary by jurisdiction and employee circumstances.
Loan officers may receive up to 400 BPS under eligible NEXA 100 programs when qualifying lenders are selected, subject to their compensation agreements and program rules.
In Loan Officer Support, go to LENDERS. When using eligible lenders shown in black and eligible non-delegated lenders, NEXA does not charge the 25 BPS operational cost or the 12% revenue-share fee on qualifying loans.
For lenders outside the qualifying categories above, loan officers must close $2 million in monthly volume to qualify for Broker 100 benefits on eligible production above that $2 million threshold, subject to NEXA's current written rules.
Check lender eligibility and current program requirements before pricing or locking a loan.
Let's use a $500,000 mortgage loan and a 400 basis point (4.00%) gross commission rate. The gross commission paid to NEXA is $20,000.
| Description | Amount |
|---|---|
| Gross commission (400 BPS) | $20,000 |
| Operational cost (25 BPS) | $0 |
| Revenue share (12%) | $0 |
| 1099 loan officer compensation | $20,000 |
| Additional W-2 deduction (10%) | −$2,000 |
| W-2 loan officer compensation | $18,000 |
See an illustrative 100% plan calculation. This calculator assumes a qualifying NEXA 100 loan with no operational-cost or revenue-share deduction.
Illustration only, not an offer or guarantee of earnings. Assumes 400 BPS and qualifying lender/program terms; not all loan officers or transactions qualify. W-2 example applies the modeled 10% deduction, not a tax estimate. Additional lawful withholdings or authorized deductions and program limits may apply.