The mortgage industry has operated on commission splits for decades, but a revolutionary model is changing everything. Discover how keeping 100% of your commission can transform your income potential and career trajectory.
For years, loan officers have accepted the standard industry practice of splitting their hard-earned commissions with their brokerage—typically giving up 20% to 50% of every deal they close. This model made sense when brokerages provided significant value through lead generation, marketing support, and operational infrastructure. But times have changed.
Today's top producers generate their own leads, build their own brands, and leverage technology to streamline operations. Yet they're still handing over massive portions of their income to cover overhead they don't use. The math simply doesn't add up anymore.
Let's break down what traditional splits actually cost you. If you're closing $10 million in loan volume annually at an average rate of 2% commission, you're generating $200,000 in gross commission income. Under a 70/30 split, you take home $140,000 while your brokerage keeps $60,000.
But it gets worse. Many brokerages also charge per-file fees ranging from $300 to $800 per transaction. Close 50 loans per year, and you're paying an additional $15,000 to $40,000 in fees. Suddenly, that $200,000 in production is reduced to $100,000 to $125,000 in actual take-home pay.
At NEXA, that same $10 million in production nets you the full $200,000. No splits. No per-file fees. Just 100% of what you earn.
The 100% commission model isn't just about keeping more money—it's about fundamentally changing your relationship with your work. When you keep everything you earn, several things happen:
You control your income ceiling. There's no cap on what you can earn because there's no one taking a cut. Your growth directly translates to income growth, dollar for dollar.
You invest in yourself differently. When you're not subsidizing a brokerage's overhead, you can reinvest in your own marketing, technology, and professional development. Top NEXA producers spend $2,000 to $5,000 monthly on Facebook ads, Google campaigns, and CRM tools—investments that pay for themselves many times over.
You think like a business owner. The 100% model forces you to take ownership of your success. You're not an employee hoping for leads from management—you're an entrepreneur building a sustainable business.
The biggest objection to 100% commission models is the fear of losing support. It's a valid concern—but it's based on an outdated assumption that support requires taking a cut of your income.
At NEXA, you get comprehensive support without the commission split. Our operations team handles processing, underwriting coordination, and compliance. Our technology platform provides CRM, marketing automation, and pipeline management. Our training programs offer ongoing education on products, regulations, and sales strategies.
The difference? You pay a flat monthly fee for these services instead of a percentage of every deal. For most loan officers, this results in 30% to 50% more take-home income while receiving the same (or better) level of support.
Consider Sarah, a loan officer who made the switch to NEXA after five years at a traditional brokerage. At her previous company, she closed $15 million in volume on a 65/35 split with $500 per-file fees. Her take-home was approximately $170,000.
In her first year at NEXA, she closed the same $15 million in volume. Her take-home? $285,000—a $115,000 increase with the same production level. By year two, she reinvested some of that extra income into marketing and grew her volume to $22 million, netting $425,000.
Sarah's story isn't unique. Across NEXA's 3,000+ loan officers, the average producer sees a 40% to 60% increase in take-home income within their first year—often with the same or slightly higher production levels.
Switching to a 100% commission model requires a mindset shift. You'll need to take more ownership of your marketing, lead generation, and business operations. But for motivated loan officers who are already doing most of this work anyway, it's a no-brainer.
The key is choosing a brokerage that provides the infrastructure, technology, and support to help you succeed. At NEXA, we've built our entire operation around empowering loan officers to maximize their income while minimizing their overhead.
The 100% commission model isn't for everyone. If you rely heavily on your brokerage for leads and prefer a more traditional employee relationship, a split model might make sense. But if you're a self-starter who generates your own business and wants to maximize your earning potential, keeping 100% of your commission is the clear choice.
The mortgage industry is evolving, and loan officers who embrace this new model are positioning themselves for unprecedented financial success. The question isn't whether 100% commission is the future—it's whether you'll be part of it.
Experience 100% commission, unparalleled support, and the tools you need to succeed as a loan officer.
Join NEXA Now →Sarah M. from Phoenix, AZ
just started onboarding with NEXA
15 years exp. • Previously at Wells Fargo
3 minutes ago