A year at Xpert, in your numbers.

Enter your production and loan sizes below. The page shows what you keep after fees and what Xpert's programs add on top.

Mix

Your assumptions

Edit anything

Volume and mix

Standard units per year

Correspondent share

50%

Correspondent files drive the club credit, Xcess and residuals.

Pricing

Average brokered loan

Brokered lender-paid comp

bps

Average correspondent loan

Your comp on correspondent

bps

Fees

Admin fee, every file

On brokered files this comes out of your commission and cannot be charged to the borrower.

Added fee on correspondent files

Correspondent fees paid by borrower in Box A When checked, the $750 + $295 on each correspondent file and streamline is disclosed in Box A and does not reduce your commission.

FHA streamlines

Streamline units per year

Closed as correspondent, on top of your standard units.

Streamline loan amount

Your margin per streamline

Your network

Tier 1 units per year

Loans closed by people you recruited.

Tier 2 units per year

Loans closed by their recruits.

Tier 3 units per year

Network correspondent share

30%

Net to you for the year

Per month

Average across twelve months

From Xpert programs

Xpert programs and incentives

Four earnings lines on top of your commission. Each pays on correspondent production, so the mix you set above drives all of them.

Production clubs

Paid monthly

Rate0 bps

A share of every correspondent dollar you close, streamlines included, paid monthly. Club standing is set by your production rank in the company each year, so pick the club you expect to reach. It is not guaranteed.

Xcess credits

Per correspondent file

Tiers$250 · $500

Every closed loan counts toward the year's unit total, brokered or correspondent. Units 36 through 60 earn $250 and units 61 and up earn $500, paid on the files in each band that are correspondent.

FHA Streamlines

Correspondent only

Streamlines Xpert can close as a correspondent that do not work brokered: the lender credit comes from Xpert's own pricing instead of a fixed broker comp plan, so more files clear the net tangible benefit test. They count as correspondent units for the clubs and Xcess, and carry the admin fee.

Xcess Residuals

Your network

Corr$300 · $200 · $100

Correspondent loans closed by your recruits pay $300 at Tier 1, $200 at Tier 2 and $100 at Tier 3. Brokered Tier 1 loans keep the $200 credit. Eligible lenders: UWM, Kind Lending, PennyMac, NexBank, Windsor, Sierra Union.

Breakdown

Line by line

Annual

Line	Amount

Gross earnings

Before fees

Brokered comp Correspondent comp Streamlines Club credit Xcess credits Residuals

How this is calculated

Brokered comp = brokered units × average brokered loan × lender-paid comp.
Correspondent comp = correspondent units × average correspondent loan × your correspondent bps.
Streamlines = units × loan amount × margin.
Fees you pay = the admin fee on every brokered file, plus correspondent fees only when they are not passed to the borrower in Box A.
Club credit = the selected club's bps × correspondent volume, streamlines included. President's Club is 7.5 bps for the top 10 producers; Executive Club is 2.5 bps for producers ranked 20 to 30. Standing is earned each year.
Xcess = $250 × correspondent files among units 36–60, plus $500 × correspondent files among units 61+. Files are assumed to be spread evenly through the year, so each band's correspondent files equal the band's units × your correspondent share.
Residuals = Tier 1 corr × $300 + Tier 2 corr × $200 + Tier 3 corr × $100 + Tier 1 broker × $200, using the network correspondent share.