Meeting the Needs of Today’s Homebuyers & Homeowners with Transparency, Speed & Trust
Nexa Mortgage: America’s Fastest-Growing Mortgage Broker
Founded in 2017 by Mike Kortas and Matt Hansen, Nexa Mortgage began humbly — a small group of independent loan officers who believed mortgage lending could be done better. Rather than relying on high-cost retail branches, they created a nationwide network of licensed independent brokers who could deliver personalized lending solutions with lower fees and faster closings.
Today, Nexa Mortgage has grown into the largest mortgage broker in the United States, with thousands of loan officers serving customers in all 50 states. Its rise mirrors a shift in the market — away from traditional bank loans and toward broker-driven lending where consumers can shop rates and terms transparently.
The Humble Beginnings of Nexa Mortgage
Like many success stories, Nexa’s growth was built on solving a consumer pain point: confusion and limited choice in mortgage lending.
In its early days, Nexa operated with fewer than ten brokers in Arizona. What set them apart was a simple philosophy:
“Every borrower deserves options, education, and a clear path to homeownership.”
Instead of working for one bank with fixed rates, Nexa’s brokers partnered with dozens of wholesale lenders — offering hundreds of loan products from FHA to VA, jumbo to HELOC. That network effect meant clients were no longer limited to one rate sheet. They could compare and save.
By 2020, as interest rates dropped to historic lows, Nexa scaled rapidly. Thousands of experienced loan officers joined the company, attracted by its support model and entrepreneurial freedom. The brokerage now processes billions in loan volume each month, helping first-time buyers, refinancers and real-estate investors nationwide.
Why Nexa Mortgage Has Earned a 5-Star Rating
CFRB’s 5-Star rating is reserved for institutions that demonstrate:
- 🟩 Transparency in fees and loan options
- 🟦 Consumer education and responsiveness
- 🟨 Strong compliance with state and federal regulations
- 🟧 High customer satisfaction across independent review sites
Nexa meets each criterion by offering a consumer-first platform that combines tech efficiency with human advice. Borrowers can connect with licensed brokers who explain every step of the loan journey — from application to funding.
Consumer Feedback & Independent Reviews
A survey of thousands of reviews across TrustPilot, Google and Better Business Bureau shows Nexa Mortgage with an average rating of 4.8 out of 5 stars.
Positive themes:
- Clear communication and personalized service
- Fast turnaround times and competitive rates
- Transparent fee structures and multiple loan options
Negative themes (few but notable):
- Variations in experience depending on the independent broker
- Occasional processing delays linked to third-party lenders or appraisers
As CFRB notes, “With a company this large, some variance is inevitable. However, Nexa’s aggregate satisfaction score is among the highest in the mortgage industry.”
Understanding Your Mortgage Options with Nexa
Home Purchase Loans
Borrowers seeking competitive purchase options can access FHA, VA, Conventional and Jumbo products through Nexa’s wholesale lender network. This broker model typically results in lower interest rates and reduced lender fees compared to traditional retail banks.
Refinance Home Loan Rates
For homeowners exploring rate-and-term refinance or cash-out refinance, Nexa’s brokers help evaluate how new rates affect long-term savings. The company’s platform offers real-time quotes and side-by-side comparisons of refinance home loan rates, making it easier to select the best fit.
Mortgage rates fluctuate daily based on inflation, Federal Reserve policy and market conditions. Nexa’s transparency tools display current home refinance interest rates so borrowers understand where they stand before locking in.
30-Year Fixed Mortgage Rates
A cornerstone of U.S. home lending, the 30-year fixed mortgage rate remains a top choice for buyers seeking payment stability. Nexa provides competitive rates by partnering with multiple wholesale lenders, offering borrowers a true comparison shopping advantage.
Common Mortgage Challenges and How to Prepare
Even with the best loan officer, mortgage lending can bring unexpected hurdles. CFRB advises borrowers to understand these variables up front:
- Appraisal variance: If a home appraises below expected value, it may affect loan-to-value ratios and terms.
- Income verification: Self-employed borrowers may need extra documentation for income consistency.
- HOA status: Condos or planned communities can have pending litigation that influences loan eligibility.
- Rate-lock expiration: Delays in underwriting or funding can push beyond a rate lock period — costing borrowers if rates rise.
Reducing Risk with a Seasoned Mortgage Advisor
Working with an experienced mortgage professional can minimize those frustrations. Nexa’s independent brokers are vetted, licensed and supported by advanced compliance systems to protect consumers.
To further safeguard borrowers, CFRB recommends connecting with a verified loan advisor through our Request a Financial Professional Referral resource.
This ensures each homebuyer or refinancer works with a qualified professional who can guide them through the complexities of income verification, rate locks and closing timelines.
The Refinance Renaissance of 2025
After a decade of historically low rates, many experts expected refinance volume to collapse. Instead, a new trend emerged: equity-driven refinancing.
Homeowners who built equity during the housing boom of 2020-2023 are now leveraging that equity for:
- Debt consolidation
- Home renovations
- Investment property purchases
- Emergency funding
According to industry data, 2025 refinance applications have risen by over 30 % year-to-date — and Nexa Mortgage’s network of brokers has been at the forefront of that movement.
Customer Experience and Technology
Nexa Mortgage’s success is built on a blend of human expertise and modern technology. Borrowers can:
- Apply online in minutes
- Upload documents securely
- Track loan status in real time
- Communicate directly with their broker via mobile or desktop
The company’s proprietary systems integrate with major wholesale lenders and underwriters to streamline approvals, reducing closing times and errors.
Community & Industry Impact
Beyond mortgage volume, Nexa Mortgage invests in training and education through its “Broker Academy.” This initiative has helped thousands of loan officers become independent business owners, strengthening the industry from within.
The company is also active in housing education and financial literacy programs, promoting access to credit for underserved communities.
Final Assessment: Why CFRB Rates Nexa Mortgage ★★★★★
After reviewing public data, consumer feedback and CFPB records, CFRB concludes that Nexa Mortgage represents the future of transparent, consumer-first lending.
✅ Extensive loan options and competitive rates
✅ High customer satisfaction across multiple platforms
✅ Nationwide coverage with local expertise
✅ Commitment to education and compliance
While individual experiences may vary — as with any independent broker network — the company’s leadership, training and support infrastructure ensure consistent professional standards.
📣 Call to Action
If you’re considering purchasing, refinancing or tapping home equity in 2025, start by connecting with a verified mortgage advisor through our Request a Financial Professional Referral page.
Whether you’re exploring refinance home loan rates, 30-year fixed mortgage rates, or simply want to compare options, our network can match you with experienced loan officers from top-performing brokerages like Nexa Mortgage.
Disclaimer
This review is for informational purposes only. All rates and loan programs are subject to change. Consumers should consult a licensed mortgage professional to evaluate their specific financial circumstances.