For loan officers · October 2026
NEXA vs PNC Mortgage: comp, control, and growth compared
At a bank like PNC, you have a recognizable brand and bank customers to work with — but you're limited to one lender's products and pricing. At NEXA, you can shop multiple lenders for each borrower, market under your own name, and have more say in your comp.
Side by side
PNC Mortgage: Bank retail lending — one lender's products, bank-set pricing.
NEXA Lending
- Model
- Broker plus NEXA's own lending — shop multiple lenders for each borrower
- Standard plan
- NEXA keeps 54 bps per loan; you keep the rest of your comp
- NEXA100
- The 54 bps that would go to NEXA goes into your operational budget instead, which you can use to get reimbursed for business expenses. Ask Andres about eligibility.
- Brand
- Market under your own name and grow your personal brand
- Growth
- Earn on production from loan officers you bring to NEXA
PNC Mortgage
- Model
- Retail loan officer at a bank, W-2 employee
- Products
- PNC's own loan products and pricing
- Pay
- Varies by loan officer and isn't published — enter yours in the calculator
- Brand
- PNC's brand and marketing rules
- Licensing
- Bank loan officers are federally registered in NMLS, not state-licensed
What could you earn?
Plug in your own production. Retail pay isn't published, so start with your real comp.
| Where you work | Estimated yearly income |
|---|---|
| PNC Mortgage (your current comp) | $240,000 |
| NEXA — standard planHigher | $663,000 |
To match your current income at NEXA, you'd need about $10.9M in yearly volume — about $19.1M less than today.
Estimates for comparison only, before taxes, benefits, and business expenses. NEXA's standard plan keeps 54 bps per loan. Actual comp depends on the lender, loan, and pricing, and loan officer compensation must follow federal LO comp rules. Retail roles often include W-2 benefits that aren't reflected here.
Moving from a bank: licensing
Bank loan officers are federally registered in NMLS rather than state-licensed. To join a state-licensed company like NEXA, you'll apply for a state license. If you've been registered continuously for the year before you apply, temporary authority can let you keep originating for up to 120 days while you finish the SAFE test, pre-licensing education, and state requirements.
Common questions
- How does loan officer comp work at NEXA?
- On NEXA's standard plan, NEXA keeps 54 bps per loan and you keep the rest of your compensation. On NEXA100, those 54 bps go into your operational budget instead, which you can use to get reimbursed for business expenses only — so it's money for running and growing your business rather than extra take-home pay. Andres can walk you through whether you'd qualify.
- Do I need a state license to leave PNC for NEXA?
- Bank loan officers are federally registered in NMLS rather than state-licensed. To join a state-licensed company like NEXA, you'll apply for a state license. If you've been registered continuously for the year before you apply, temporary authority can let you keep originating for up to 120 days while you finish the SAFE test, pre-licensing education, and state requirements.
- What happens to my pipeline and clients if I leave PNC?
- Loans in process and leads generated by your current employer generally stay with them, and many loan officers have non-solicitation or other agreements to review before moving. Andres will help you plan the timing so the transition is as smooth as possible.
Curious what your business could look like at NEXA?
Bring your real numbers. Andres will give you the honest version — even if the answer is to stay put.
Sources and notes
- NMP — NEXA comp structure as described by NEXA's COO (Feb 2026)
- NMLS temporary authority overview (Montana DBFI)
Based on publicly available information as of October 2026. Compensation and fees change and can vary by loan officer, branch, and state — confirm current terms directly before making a decision. This page is for mortgage professionals and is not an offer to lend. NEXA is not affiliated with PNC Mortgage, whose name is a trademark of its respective owner.