Most loan officers do not have an income problem.
They have a compensation problem.
Run your numbers. See the gap. Then decide if you're okay with it.
Adjust your inputs on the left. The math updates live in three columns — current shop, NEXA Broker, and NEXA 100.
Personal production only.
Your typical funded loan amount
What you actually earn — not your company's total margin
Total revenue / margin you want to model
"This is where most LOs realize they've been thinking too small."
This is why so many loan officers are starting to question their comp model.
Every month you stay where you are, this gap keeps growing.
Most LOs never see this laid out like this. Now you can't unsee it.
A projected annual ledger of $0 could dramatically change how you operate your business.
= Annual Loan Volume × (Your Current BPS ÷ 10,000)
= Annual Loan Volume × (220 BPS ÷ 10,000)
220 bps is the LO annual commission equivalent in the standard broker-side comparison.
Cash Income = Annual Volume × (220 BPS ÷ 10,000)
Ledger = Annual Volume × max((Selected Margin − 220), 0) ÷ 10,000
Any margin above 220 bps goes to your business ledger.
Step 1: Subtract 25 bps (corporate allocation)
Step 2: Multiply remaining by 0.88 (12% revenue share removed)
Step 3: The result is your adjusted ledger BPS equivalent
Cash commission remains at 220 bps reference.
Most loan officers get paid once per loan. Then they wake up January 1 with their commission counter back at zero. NEXA's MSR program changes that math.
When an insurance agent writes a policy, they don't just get paid at signing — they get a small piece of every premium for as long as that policy stays in force.
That's why a 20-year insurance agent makes more in their sleep than a new agent makes by hustling all year. The book is the business.
Through NEXA's MSR program, you receive a share of the servicing cash flow on loans you originate — every month, for the life of the loan.
Close a loan today, and it can quietly pay you for the next 3, 5, even 7+ years. Whether or not you originate another thing.
Year 1 you've got a handful of loans paying you monthly. Year 3 you've stacked three years of originations. Year 5 the book itself is producing serious income — before you've closed a single new deal that year.
That's the difference between having a job and owning a business.
Three sliders. Live math. Same loan-size assumption from the calculator above.
Fixed by NEXA — paid to you per loan, every month it stays on the books
Adjust to model your annual production
"This is the part loan officers don't realize until it's already happening to them."
The gap above is just the comp math. There are two more layers that compound on top — and none of them are in the calculator yet.
Revenue share is usually talked about defensively. It's better understood strategically.
Many successful LOs are already connectors — they know, mentor, and influence other originators. In most mortgage models, that influence creates value for the company, not for the LO.
NEXA's revenue share gives qualified LOs a way to participate in production-based economics when they introduce productive originators to the platform, subject to program rules.
It's not a replacement for production — it's an additional growth channel.
It shifts the business from personal effort to relationship-based leverage.
The ledger funds growth. Growth funds more closings. More closings fund more ledger.
Inside the retail comp grid, that loop doesn't exist — your overage feeds the company, not your business.
Five years from now, two LOs with identical production look nothing alike.
One has a business. The other has a job.
I'm walking select LOs through what this actually means.
Book a 15-minute call to see how it applies to your pipeline.
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This takes 15 minutes — and it will either confirm everything… or completely change how you think about your business.
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I'll walk you through your numbers personally.
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