This is the starting point for researching NEXA Lending (formerly NEXA Mortgage). Each section gives a short, sourced overview and links to the detailed guides.
About NEXA Lending
NEXA Lending, formerly NEXA Mortgage, is a mortgage company headquartered in Mesa, Arizona (company NMLS #1660690). It operates as a mortgage brokerage and a non-delegated correspondent lender. In September 2026, NEXA said it had more than 4,000 loan officers.
Guides in progress: What Is NEXA Lending? · NEXA Lending vs NEXA Mortgage · Company History · Leadership
Compensation
NEXA loan officers are paid on commission. In September 2026, NEXA launched NEXA Unlimited, which it says gives loan officers access to 100% of revenue on their NEXA loans with no volume or recruiting requirement. It runs alongside the existing NEXA 100 plan.
Guides in progress: NEXA Compensation Guide · NEXA Unlimited · NEXA 100 · Compensation Examples
Employment: W-2 vs 1099
NEXA’s onboarding materials include both W-2 and 1099 agreements. Which option is available, and what benefits come with it, can depend on your state and situation.
Guides in progress: NEXA W-2 vs 1099 · Statutory W-2 · Employee Benefits · State and Distance Requirements
Originating, Lenders & Technology
NEXA loan officers can broker loans to wholesale lenders. NEXA also funds many loans itself as a non-delegated correspondent lender. Loan officers work in a loan origination system such as ARIVE or LendingPad, and are paid through Everee.
Guides in progress: Broker vs Correspondent · Wholesale Lenders · Technology · Processing & Support
Training & Coaching
New loan officers complete required compliance and compensation training during onboarding. NEXA’s onboarding materials also describe a Pathfinder track for loan officers who don’t yet meet its production qualifications.
Guides in progress: NEXA University · Pathfinder · New LO Training
Joining NEXA
Joining runs through a sponsor’s onboarding link: application, contracts, background and credit check, NMLS sponsorship, training, and system setup.
Guides in progress: Requirements · Onboarding · Choosing a Team
Costs & Fees
NEXA’s onboarding materials list a one-time background and credit check, per-state license sponsorship fees, and a monthly technology fee. NEXA says NEXA Unlimited removes several per-loan fees. A full, dated cost breakdown is in progress.
Guides in progress: Costs and Fees
Teams & Branches
Loan officers can work independently or as part of a team. NEXA has also brought in established brokerages that keep their own brands, such as UMortgage in 2026.
Guides in progress: Individual LO vs Team · Virtual Teams · Physical Branches
Revenue Share
NEXA pays revenue share connected to the loan officers you sponsor. Levels and qualifications have changed over time, so a dedicated guide will cover the current rules with sources.
Guides in progress: How NEXA Revenue Share Works · Partner Levels · Is NEXA an MLM?
Evaluating NEXA
Guides in progress: Pros and Cons · Reviews · Who NEXA Is Best For · NEXA vs Other Brokerages
Retail & Consumer Direct to Broker
Guides in progress: Consumer Direct vs Broker · Replacing Company-Provided Leads · Transition Planning