What Is NEXA100?
NEXA100 is a compensation program where NEXA Lending returns its 12% profit share to the loan officer on loans closed through five specific wholesale lenders.
- Standard NEXA comp: 275 bps gross − 25 bps overhead − 12% profit = ~217 bps to LO
- NEXA100 comp: 275 bps gross − 25 bps overhead − 0% profit (returned) = 250 bps to LO
- The difference: 33 additional basis points per loan on qualifying lenders
- In plain English: NEXA makes zero profit on your NEXA100 loans — all of it goes to you
The 5 NEXA100 Qualifying Lenders
These are the wholesale lenders that qualify for the NEXA100 program:
UWM
United Wholesale Mortgage — #1 wholesale lender in the US, conventional/FHA/VA/USDA
PennyMac Wholesale
Top agency lender, conventional/FHA/VA/USDA
MLB
Making Lives Better — specialty lender, VA/FHA/non-QM focus
Deep Haven Mortgage
Non-QM specialist: DSCR, bank statement, asset depletion
FAR
Finance of America Reverse — reverse mortgage specialist (HECM/jumbo reverse)
The Dollar Impact Per Loan
Here's exactly how much more you earn on each loan with NEXA100:
| Loan Amount | Standard (217 bps) | NEXA100 (250 bps) | Difference |
|---|---|---|---|
| $300,000 | $6,510 | $7,500 | +$990 |
| $400,000 | $8,680 | $10,000 | +$1,320 |
| $500,000 | $10,850 | $12,500 | +$1,650 |
| $600,000 | $13,020 | $15,000 | +$1,980 |
| $750,000 | $16,275 | $18,750 | +$2,475 |
Annual Income Impact
$5M Annual Volume
Average loan size: $350K (~14 loans/year)
Standard: $108,500
NEXA100: $125,000
Annual gain: +$16,500
$10M Annual Volume
Average loan size: $400K (~25 loans/year)
Standard: $217,000
NEXA100: $250,000
Annual gain: +$33,000
How Do You Get NEXA100?
There are two ways to qualify for NEXA100 compensation:
- New LOs (automatic): Automatically receive NEXA100 for the first 6 months after joining — no recruiting required
- Permanently: Maintain at least 1 actively producing loan officer in your Level 1 downline (someone you directly recruited who closes at least 1 loan)
This means new loan officers have a 6-month runway to experience the NEXA100 compensation, and established LOs can keep it indefinitely by maintaining a small downline.
The Partnership Levels (NEXA100 and Beyond)
NEXA's compensation structure rewards recruiting and retention. Here's how the partnership tiers work:
| Partnership Level | Level 1 Recruits | Compensation Details |
|---|---|---|
| Growth Partner | 1 L1 recruit | NEXA100 on qualifying lenders |
| Junior Partner | 5 L1 recruits | NEXA100 starts at $3M volume |
| Associate Partner | 10 L1 recruits | NEXA100 starts at $2M volume |
| Senior Partner | 15 L1 recruits | NEXA100 starts at $1M volume |
| Executive Partner | 20 L1 recruits | 100% on EVERY loan (not just NEXA100 lenders) |
Note: Executive Partner is the highest compensation tier at NEXA — NEXA returns 12% of the profit margin on all loans across all lenders, not just the five NEXA100 qualifying lenders.
Why Does NEXA Offer NEXA100?
The NEXA100 program might seem counterintuitive — why would a broker give up profit? The answer lies in NEXA's business model:
- Scale and revenue share: NEXA's business model is built on scale and revenue share, not per-loan profit
- Recruiting incentive: By giving up 12% margin on NEXA100 loans, NEXA incentivizes LO recruiting and platform growth
- Volume value: Every LO on the platform generates processing volume, compliance revenue, and brand value
- Long-term profit: NEXA makes money through revenue share residuals, overhead deductions on all loans, and growth — not by taking a large cut of every loan
NEXA100 vs. Standard Broker at Other Companies
How competitive is NEXA100 compared to other broker platforms? Let's run the numbers:
- Industry standard: Most broker platforms take 15-25% of gross margin as their profit
- 20% profit platform example: At a 20% profit platform with 275 bps gross, loan officers keep 220 bps (vs NEXA100's 250 bps)
- 5-year advantage: Over 5 years at $5M annual volume, NEXA100 generates $82,500 more than a 20% profit platform
- Competitive position: NEXA100 is one of the most competitive compensation programs in the entire broker channel
Frequently Asked Questions
NEXA100 is a compensation program where NEXA Lending returns its 12% profit share to the loan officer on loans closed through five specific wholesale lenders (UWM, PennyMac Wholesale, MLB, Deep Haven Mortgage, and Finance of America Reverse). This adds 33 basis points per loan compared to standard NEXA broker compensation.
The five NEXA100 qualifying lenders are: UWM (United Wholesale Mortgage), PennyMac Wholesale, MLB (Making Lives Better), Deep Haven Mortgage, and Finance of America Reverse (FAR). These lenders represent a diverse range of loan products from conventional to reverse mortgages.
Maintain at least 1 actively producing loan officer in your Level 1 downline — someone you directly recruited who closes at least 1 loan per loan period. As long as you have one producing recruit, you keep your NEXA100 status indefinitely.
If you no longer maintain at least 1 actively producing Level 1 recruit, your NEXA100 status reverts to standard NEXA broker compensation (217 bps) until you recruit again or re-establish your downline. New loan officers automatically receive NEXA100 for 6 months regardless of recruiting.
The difference depends on your production volume. At $5M annual volume (~14 loans), you earn an additional $16,500 per year. At $10M volume (~25 loans), the difference is $33,000 annually. On every individual loan, NEXA100 adds $990–$2,475 depending on loan amount.
Yes. New loan officers automatically receive NEXA100 for the first 6 months after joining NEXA Lending — no recruiting required. This gives new LOs a competitive advantage as they're building their book of business and considering which platform to join.
Executive Partner is the highest compensation tier at NEXA. With 20 Level 1 recruits, you earn 100% of NEXA's profit margin on every loan, not just qualifying lenders. This means NEXA returns 12% on all loans across all lenders — a significant advantage for highly productive LOs who have built large teams.
Most broker platforms take 15-25% of gross margin as profit. At a 20% profit platform with 275 bps gross, loan officers keep 220 bps vs NEXA100's 250 bps. Over 5 years at $5M annual volume, NEXA100 generates $82,500 more than a 20% profit platform. NEXA100 is one of the most competitive compensation programs in the broker channel.
Want to See Your NEXA100 Income Potential?
Book a free 20-minute call. I'll walk you through exactly how NEXA100 applies to your loan mix and show you the real annual income impact for your production volume.
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