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Loan Officer Comp Calculator

Enter your numbers and see exactly what you'd earn at NEXA Lending — compared to your current setup. Uses NEXA's real comp formula.

$3.00M
100 bps
70%
275 bps
Your Current Income
$21,000
At NEXA Broker
$65,120
At NEXA100
$75,000
Annual Difference
$44,120
NEXA Comp Formula: 275 bps gross − 25 bps overhead − 12% profit = ~220 bps to you. NEXA100 returns the 12% on qualifying lenders (UWM, PennyMac, MLB, Deep Haven, FAR).
Item Your Current NEXA Broker NEXA100
Annual Volume $3,000,000 $3,000,000 $3,000,000
Gross BPS 150 220 250
Company Deduction 45 55 25
Your Effective BPS 105 165 225
Per-Loan Income (avg) $394 $619 $844
Est. Loans/Year 8
Annual Income $22,500 $49,500 $67,500
Annual Gain vs. Current — +$27,000 +$45,000
Margin (bps) LO Gets (bps) NEXA100 (bps) Per $400K Loan (standard) Per $400K Loan (NEXA100)
275 220 250 $8,800 $10,000
250 198 225 $7,920 $9,000
225 176 200 $7,040 $8,000
200 154 175 $6,160 $7,000
175 132 150 $5,280 $6,000
150 110 125 $4,400 $5,000
125 88 100 $3,520 $4,000
100 66 75 $2,640 $3,000
75 44 50 $1,760 $2,000
* NEXA100 available on UWM, PennyMac, MLB, Deep Haven, and Finance of America Reverse. Requires Growth Partner status (1 producing L1 recruit) or auto-granted for first 6 months.

How the NEXA Comp Formula Works

Understanding NEXA's compensation structure is key to seeing how much more you can earn as a broker vs. retail:

The Four Steps

  1. Step 1: You charge the borrower a margin up to 275 bps (your gross compensation)
  2. Step 2: NEXA deducts 25 bps for overhead (compliance, licensing, E&O, admin)
  3. Step 3: NEXA takes 12% of gross as profit margin (~33 bps at 275 bps gross)
  4. Step 4: You keep the remainder — approximately 217 bps at standard, or 250 bps on NEXA100 lenders

At 275 bps on a $400,000 loan: you earn $8,680 (standard) or $10,000 (NEXA100)

Visual Formula Breakdown

275 bps gross → −25 bps overhead → −33 bps NEXA profit → = 217 bps to you
275 bps gross → −25 bps overhead → −0 bps (NEXA100) → = 250 bps to you

How This Compares to Retail

Let's compare NEXA Broker and NEXA100 comp to traditional retail splits at $4M annual volume:

$30,000 Community Bank (75 bps)
$50,000 Mid-Retail (125 bps)
$86,800 NEXA Broker (217 bps)
$100,000 NEXA100 (250 bps)

Want Jason to personally run your numbers?

Jason Walters, NMLS #1764885 · In mortgage since 2001

Disclaimer: Estimates based on NEXA Lending's published comp structure. Actual results vary by loan type, lender selection, volume, and state. Not a guarantee of income.

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