XHL Xcess Residuals
Recruiting Residuals · Three tiers deep · No cap
XHL Recruiting Residuals

Get paid three tiers deep.

Good loan officers know other good loan officers. Xcess Residuals pays you on every eligible correspondent loan closed anywhere in your network: the loan officers you bring to Xpert, the loan officers they bring, and the next level down. No cap on files. No cap on people.

$300
Tier 1
$200
Tier 2
$100
Tier 3
Watch

How Xcess Residuals works.

Example figures use a 14-person network, each recruiting two · 72 seconds
How It Works

Three tiers. No cap.

Your recruits, their recruits and the next level down are tracked in your Roster record. Every eligible correspondent loan closed in that network adds a residual in your name, based on the tier it comes from.

$300
Tier 1
Loan officers you recruitedEvery eligible correspondent loan they close.
$200
Tier 2
Loan officers your Tier 1 recruitedEvery eligible correspondent loan they close.
$100
Tier 3
Loan officers your Tier 2 recruitedOne more level down, same idea.

Brokered loans closed by your Tier 1 recruits pay you $200 each. Residuals pay the same way your recruiter credits pay today.

Eligible Lenders

Every correspondent loan purchased by an eligible lender.

Residuals are earned on correspondent files purchased by Xpert's current correspondent lenders:

UWMKind LendingPennyMacNexBankWindsor MortgageSierra Union
Effective dateEligible loans purchased after November 1, 2026.
Brokered loansA brokered loan closed by a Tier 1 recruit pays you $200. Tier 2 and Tier 3 apply to eligible correspondent loans only. HELOCs do not earn.
Lenders added laterIf Xpert adds a correspondent lender in the future, loans purchased by that lender are not guaranteed to be included.
How Your Residuals Are Paid

Build it once. Get paid on it every month.

1
Your network tracks itself. Your recruits, their recruits and the next level down are tracked in your Roster record.
2
Credits post as loans are purchased. Every eligible correspondent file closed in your network adds $300, $200 or $100 in your name, based on the tier.
3
Paid monthly, reported weekly. Residuals are paid monthly once the file is finalized, the same way your recruiter credits pay today, and your weekly Xcess Residuals statement shows every pending credit.
Not at Xpert yet?

Bring your business. Bring your people.

Residuals start the day you join. Tell us a little about your business and an advisor will follow up personally.

Want to Join Xpert?

Step 1 of 4

What's your current monthly volume?

Loans funded per month

Step 2 of 4

How long have you been in the industry?

 

Step 3 of 4

What interests you most?

Select all that apply

Step 4 of 4

How can we reach you?

An advisor will follow up with you personally.

FAQ

Common questions

Who counts as my recruit?+
Any loan officer who joins Xpert with you listed as their recruiter. If you brought someone to Xpert, we make sure they are attributed to you.
Does Xcess Residuals stack with Xpert Xcess?+
Yes. Xpert Xcess rewards your own production. Xcess Residuals rewards your network. A loan can earn both: the Xcess credit for the loan officer who closed it, and residuals for the people above them.
Is there a limit?+
No limit on files and no limit on how many loan officers you bring in. Tiers stop at three levels.
When do I get paid?+
Monthly, once the file is finalized, the same way recruiter credits pay today. Your weekly Xcess Residuals statement lists every pending credit and when it pays.
What about brokered loans?+
A brokered loan closed by one of your Tier 1 recruits pays you $200. Residuals at all three tiers apply to eligible correspondent loans.
The fine print, in plain English
Residuals are earned on correspondent files purchased by an eligible lender: UWM, Kind Lending, PennyMac, NexBank, Windsor Mortgage or Sierra Union. If Xpert adds a correspondent lender in the future, loans sold to that lender are not guaranteed to be included. HELOCs do not earn residuals. Tiers follow the recruiter chain in your Roster record: Tier 1 is the loan officer you recruited, Tier 2 is the loan officer they recruited, Tier 3 is one more level down. Brokered loans closed by a Tier 1 recruit pay the standard $200 recruiter credit. Credits are paid monthly once the file is finalized and are payable while you are an active Xpert loan officer. Effective for eligible loans purchased after November 1, 2026.
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