NEXA vs Rocket vs Loan Factory vs Fairway — Where Should a Loan Officer Work?
Broker vs retail: how comp, leads, and lender panels compare across the four biggest choices.
Broker vs retail: how comp, leads, and lender panels compare across the four biggest choices.
- It depends on whether you can self-generate.
- If you need leads handed to you, a retail lender like Rocket trades a lower split (roughly 50–120 bps) for inbound volume.
- Brokerages commonly pay in the 1.
- See the For Loan Officers page for the full head-to-head.
What does this guide cover?
It depends on whether you can self-generate. If you can, a broker like NEXA Lending (up to 100% commission) or Loan Factory (100% minus a flat per-file fee) usually pays the most per loan.
If you need leads handed to you, a retail lender like Rocket trades a lower split (roughly 50–120 bps) for inbound volume. Fairway sits in between for LOs who want a traditional team and mentorship.
Brokerages commonly pay in the 1.5%–2.75% range per loan; large retail lenders pay less per loan but can drive higher volume (Loan Factory, MCT).
See the For Loan Officers page for the full head-to-head.
Frequently asked questions
What is the nexa vs rocket vs loan factory vs fairway — where should a loan officer work? about?
Broker vs retail: how comp, leads, and lender panels compare across the four biggest choices.
What are the key points to know?
It depends on whether you can self-generate. If you can, a broker like NEXA Lending (up to 100% commission) or Loan Factory (100% minus a flat per-file fee) usually pays the most per loan.
How does this work in practice?
If you need leads handed to you, a retail lender like Rocket trades a lower split (roughly 50–120 bps) for inbound volume. Fairway sits in between for LOs who want a traditional team and mentorship.
What should I do next?
Brokerages commonly pay in the 1.5%–2.75% range per loan; large retail lenders pay less per loan but can drive higher volume (Loan Factory, MCT).
How can I talk to a NEXA loan officer about my situation?
Contact Renato Rodic (NMLS #1615600) via the Contact page or book a 1:1 call — he can review your specific scenario and walk you through the relevant NEXA loan program or onboarding path.
References
NEXA vs Rocket vs Loan Factory vs Fairway — Where Should a Loan Officer Work?. Ask About NEXA. https://askaboutnexa.com/guides/nexa-vs-competitors. Last updated June 29, 2026.