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NAICS Code· 522292

NAICS 522292: Real Estate Credit

This U.S. industry comprises establishments primarily engaged in lending funds with real estate as collateral. Illustrative Examples: Home equity credit lending Mortgage companies Reverse mortgage lending Mortgage banking (i.e., nondepository mortgage lending) Cross-References. Establishments primarily engaged in--Show more

NAICS 522292 – Real Estate Credit encompasses financial services that provide credit for real estate acquisition, development, construction, and rehabilitation, including mortgage lending, bridge financing, and structured real estate debt instruments. This sector supports private-sector real estate activity through government-backed or government-influenced credit mechanisms, such as loans facilitated under federal housing programs, USDA rural development initiatives, or HUD-assisted financing.

5
Active Contracts
$33K
Total Obligations (12mo)
1
Awarded Contracts (12mo)
1
Contractors Awarded (12mo)
1
Median Bidders per Award
+100.0%
YoY Growth

Industry Spending Overview

Federal obligations, top contractors and agencies, and related industry codes for NAICS 522292.

AI Industry Description

NAICS 522292 – Real Estate Credit encompasses financial services that provide credit for real estate acquisition, development, construction, and rehabilitation, including mortgage lending, bridge financing, and structured real estate debt instruments. This sector supports private-sector real estate ...

NAICS 522292 – Real Estate Credit encompasses financial services that provide credit for real estate acquisition, development, construction, and rehabilitation, including mortgage lending, bridge financing, and structured real estate debt instruments. This sector supports private-sector real estate activity through government-backed or government-influenced credit mechanisms, such as loans facilitated under federal housing programs, USDA rural development initiatives, or HUD-assisted financing. While primarily a private-sector function, real estate credit services become relevant in government contracting when entities are contracted to administer, manage, or facilitate federally funded or guaranteed real estate loan programs, particularly those tied to affordable housing, infrastructure revitalization, or veteran housing initiatives. These services often involve compliance with federal lending standards, risk assessment protocols, and reporting obligations under statutes like the National Housing Act or the Community Reinvestment Act. No contractor data is available for this NAICS code, indicating that no specific prime contractors or subcontractors have been identified in government award records. This suggests that real estate credit activities are typically delivered by financial institutions operating independently of direct federal contracts, rather than through traditional procurement channels. No agency data is available, reflecting that federal agencies do not appear to be direct purchasers of real estate credit services. However, agencies such as HUD, USDA Rural Development, and the VA may indirectly drive demand through loan guarantee programs or housing assistance initiatives that rely on third-party lenders. The competitive landscape is characterized by financial institutions and specialized mortgage lenders that operate under federal regulatory frameworks rather than through competitive bidding. Opportunities for contractors are limited to ancillary services such as loan administration, compliance auditing, or technology platforms supporting federally insured lending systems, making this a niche but regulated space with low direct procurement density.

Top Contractors

Companies with the highest total award value under NAICS 522292, ranked by dollars won.

Ranked by total awards
CompanyTotal AwardsContracts
MISCELLANEOUS FOREIGN AWARDEES$33K1

Top Agencies

Federal agencies directing the most contract spending toward NAICS 522292.

Department Of State1 award$33K

Competition

How many companies historically bid on federal awards in NAICS 522292, from bidder counts reported on USAspending.

Usually Single-Bid

Half or more of reported awards drew exactly one bidder, usually a sign of incumbent-held work rather than an open field. · 394 reported awards

Median Bidders

1

Per reported award, all-time

Single-Bid Awards

71%

Share of reported awards with one bidder

10+ Bidder Awards

2%

Share of reported awards with 10+ bidders

Reported Awards

0

92% of 426 total awards

How this code compares up the NAICS hierarchy. Parent cohorts pool every code under their prefix, so they are the steadier baseline when a 6-digit sample is thin.

Industry FamilyCompetitionMedian BiddersSingle-BidBidder MixReported Awards
522292This Code
Real Estate Credit
Usually Single-Bid171%
39492% of 426
52229NAICS Industry
Usually Single-Bid173%
56292% of 608
5222Industry Group
Nondepository Credit Intermediation
Usually Single-Bid175%
96788% of 1,105
522Subsector
Usually Single-Bid172%
7,94985% of 9,381
52Sector
Finance and Insurance
Usually Single-Bid171%
55,82685% of 65,508

Bidder counts reported on past federal awards in this NAICS (USAspending). An open opportunity has no bidders yet, so this is the historical norm for similar work, not a fact about this solicitation. Not all awards report bidder counts, and fewer bidders often means incumbent-held work rather than an easier win. Federal reporting of bidder counts fell from ~96% of awards (FY2016) to ~30% (FY2018 onward); the chart shows shares of reported awards, and washed-out stretches mark years with fewer than 30 of them.

Related NAICS Codes

Industries similar to Real Estate Credit, by shared sector, subsector, and industry group.

Credit Card Issuing

This industry comprises establishments primarily engaged in providing credit by issuing credit cards...
522210Same Industry GroupHigh Similarity

Sales Financing

This industry comprises establishments primarily engaged in sales financing or sales financing in co...
522220Same Industry GroupHigh Similarity

Consumer Lending

This U.S. industry comprises establishments primarily engaged in making unsecured cash loans to cons...
522291Same Industry GroupHigh Similarity

International, Secondary Market, and All Other Nondepository Credit Intermediation

This U.S. industry comprises (1) establishments primarily engaged in providing working capital funds...
522299Same Industry GroupHigh Similarity

Commercial Banking

This industry comprises establishments primarily engaged in accepting demand and other deposits and ...
522110Same SubsectorMedium Similarity

Credit Unions

This industry comprises establishments primarily engaged in accepting members' share deposits in coo...
522130Same SubsectorMedium Similarity

Savings Institutions and Other Depository Credit Intermediation

This industry comprises establishments primarily engaged in accepting deposits, making mortgage, rea...
522180Same SubsectorMedium Similarity

Mortgage and Nonmortgage Loan Brokers

This industry comprises establishments primarily engaged in arranging loans by bringing borrowers an...
522310Same SubsectorMedium Similarity

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NAICS 522292 FAQ

Frequently Asked Questions

NAICS code 522292 covers Real Estate Credit. This U.S. industry comprises establishments primarily engaged in lending funds with real estate as collateral. Illustrative Examples: Home equity credit lending Mortgage companies Reverse mortgage lending Mortgage banking (i.e., nondepository mortgage lending) Cross-References. Establishments primarily engaged in--

Recently Posted in Real Estate Credit

NAICS: 522292
DIBBS
Subcontractor Accelerated Payment ProcessingThe Defense Logistics Agency, under the Department of Defense, has established a subcontract for Subcontractor Accelerated Payment Processing. This contract focuses on the administration and processing of accelerated payments to small business subcontractors, ensuring strict adherence to FAR clause 52.232-40. Key responsibilities associated with this agreement include comprehensive financial tracking and the delivery of compliance reporting. The work is categorized under NAICS code 522292 and is managed through the Defense Logistics Agency's procurement systems.
Defense Logistics Agency

POSTED

13 days ago

DEADLINE

N/A
View Details
NAICS: 522292
SLED
Payment Processing & PCI ComplianceThe contract requires the provision and ongoing management of a PCI-DSS Level 1 compliant payment gateway to securely handle online and phone-based transactions within the Kentucky Horse Park’s reservation system. This includes ensuring all payment processing infrastructure meets the highest industry standards for data security, cardholder information protection, and regular compliance validation. The solution must support seamless integration with existing reservation workflows while maintaining strict adherence to payment industry regulations at all times. The subcontract is posted under NAICS code 522292 and has a response deadline of September 14, 2026. Performance is expected to support operations at the Kentucky Horse Park, with no specific geographic limitations beyond the scope of the reservation system. The contract does not specify a set-aside classification, and no point of contact details are provided. Interested parties must submit proposals through the designated state portal by the deadline to be considered for award.
Kentucky Horse Park

POSTED

22 days ago

DEADLINE

in 17 days
View Details
NAICS: 522292
SLED
Low-Interest Solar and Energy Storage Loan Program
Solicitation # 2026-RFP-0399
The City of Pasadena is seeking qualified vendors to participate in its Low-Interest Solar and Energy Storage Loan Program under solicitation number 2026-RFP-0399, with a submission deadline of August 28, 2026 at 3:00 PM PT. This initiative aims to promote renewable energy adoption by offering accessible financing options for solar and energy storage systems, targeting residential, commercial, and possibly public sector participants within the city. The program is designed to reduce energy costs, increase grid resilience, and support environmental sustainability goals through low-interest loans, though specific loan terms, eligibility criteria, and disbursement mechanisms are detailed in the official documentation accessible via the provided web link. All interested parties must access the full solicitation documents through the external procurement portal linked in the posting, as Biddingo.com is not responsible for the accuracy or completeness of the third-party content. Applicants are required to register on the external site to obtain the complete RFP package and must regularly check for any addenda or updates issued prior to the deadline. Queries regarding the contract’s language, requirements, or missing information should be directed to the City of Pasadena’s contracting officer, listed with the email lpalmer@biddingo.com. Participation requires strict adherence to the submission deadline and compliance with all instructions on the official procurement platform.
City of Pasadena

POSTED

23 days ago

DEADLINE

in about 2 hours
View Details
NAICS: 522292
SLED
Liquidity Facility Provider for Commercial Paper NotesThe contract establishes a short-term liquidity facility to support the issuance of commercial paper notes by the Airport Commission, ensuring continuous access to funding and reinforcing investor confidence in the commission’s debt instruments. The facility will serve as a backstop, allowing the commission to meet its immediate financial obligations even during periods of market volatility or reduced paper demand, thereby maintaining stable short-term financing conditions. The agreement is classified as a subcontract under NAICS code 522292, indicating its alignment with financial services related to credit intermediation and financing activities. It is managed by the California Finance agency and has a response deadline of June 1, 2028, with the opportunity posted on July 31, 2026. While no specific set-aside or organizational type restrictions are indicated, the provider must be prepared to deliver reliable, on-demand liquidity in a manner that upholds the financial integrity of the Airport Commission’s commercial paper program without assuming long-term ownership or operational responsibility for the notes.
Finance

POSTED

28 days ago

DEADLINE

in almost 2 years
View Details
NAICS: 522292
SLED
RFA 9305 FLEX Lending Program
Solicitation # S-91400-00017158
The Oregon Home Ownership Section is seeking proposals through Solicitation Number S-91400-00017158 for the FLEX Lending Program, with a response deadline of July 7, 2026 at 5:00 PM Pacific Time. This solicitation is targeted at organizations interested in participating in a lending initiative designed to support homeownership opportunities within the state, administered through the state’s SLED procurement framework. The program aims to provide flexible financial solutions that facilitate access to home ownership, particularly for underserved populations, and is managed from the agency’s office in Salem, Oregon, with the place of performance also located in Salem at ZIP code 97310-1226. Joshua Ratliff serves as the primary point of contact for this solicitation, acting in the capacity of Purchaser. Interested parties must submit their responses by the stated deadline, and all communications and submissions should be directed according to the official procurement guidelines. The solicitation does not specify a set-aside classification or NAICS code, indicating an open competition among qualified entities. The official posting and additional details are accessible via the OregonBuys.gov portal using the provided UI link, and prospective responders are expected to review all requirements thoroughly before submitting their proposals.
Home Ownership Section

POSTED

2 months ago

DEADLINE

in almost 9 years
View Details
NAICS: 522292
Closed
SLED
Delinquent Tax and Sewer Lien Portfolio AcquisitionThis contract involves the acquisition of a portfolio consisting of delinquent municipal real property tax and sewer usage liens from the Town of Stratford. The purchaser obtains the rights to collect outstanding balances on these liens, which include accrued interest and penalties. Additionally, the contract grants the authority to pursue foreclosure proceedings if necessary to recover unpaid amounts. The solicitation was posted on June 3, 2026, with a response deadline set for June 23, 2026. Classified under the NAICS code 522292, this subcontract is managed by the DAS Procurement agency within the state of Connecticut. While specific details such as contact information and exact place of performance are not provided, the opportunity is accessible through the Connecticut procurement portal.
DAS Procurement

POSTED

3 months ago

CLOSED

2 months ago
View Details
NAICS: 522292
Closed
Grant
Revolving Fund Program
Solicitation # RDRUS-26-RFP
The Revolving Fund Program, issued by the USDA Rural Utilities Service under solicitation number RDRUS-26-RFP, provides grants to qualified private, non-profit entities to establish and operate revolving funds that finance pre-development costs for proposed or existing water and wastewater systems, as well as short-term capital needs such as replacement equipment, small-scale service extensions, or other non-routine capital improvements. This program, governed by 7 CFR Part 1783 and aligned with the Uniform Administrative Requirements, Cost Principles, and Audit Requirements outlined in 2 CFR Part 200, is designed to enhance rural water and wastewater infrastructure through sustainable loan mechanisms rather than direct construction funding. Applicants must demonstrate the capacity to manage and administer revolving loan funds, including developing clear loan application processes, borrower eligibility criteria, financial terms, delinquency policies, and sustainability plans for loan repayment and fund replenishment. Eligible entities must also meet mandatory compliance requirements including registration in the System for Award Management with an active Unique Entity Identifier and Taxpayer Identification Number, adherence to nonprocurement debarment and suspension rules under 2 CFR Part 417, and compliance with civil rights and nondiscrimination statutes inclusive of Title VI of the Civil Rights Act and Section 504 of the Rehabilitation Act. The solicitation, posted on June 1, 2026, with a submission deadline of July 3, 2026, is exclusively accepted through grants.gov and requires the submission of the Standard Form 424 family of documents along with supplementary materials such as evidence of legal existence, a list of board members and officers, and a comprehensive work plan. Applications are evaluated through a competitive scoring process weighted toward a well-structured work plan (40 points), applicant expertise in commercial lending (20 points), and a 50% or higher cash contribution from non-grant sources (20 points); additional points are awarded for clearly defined goals, evaluation methods, administrative efficiency, and discretionary criteria. A 20 percent cost-sharing requirement applies, and in-kind contributions are not eligible. The total funding available for FY 2026 is approximately $1,000,000, with an anticipated three awards, and performance periods run from October 1, 2026, through September 30, 2027. Grantees must submit annual financial reports and audits in accordance with 2 CFR Part 200 and comply with geospatial data standards,
Rural Utilities Service

POSTED

3 months ago

CLOSED

about 2 months ago
View Details
NAICS: 522292
Closed
Federal
Real-Time Payment Verification & Account Validation ServicesThe contract calls for the provision of real-time payment verification and account validation services aimed at ensuring compliance with payment control regulations. This includes validating payment instructions, checking account status, verifying routing numbers, confirming debit eligibility, and ensuring payee alignment. The goal is to enhance the accuracy and security of payment processing by promptly identifying any discrepancies or non-compliance issues. Scheduled as a subcontract opportunity under NAICS code 522292, the contract is managed by the Department of the Interior with performance based in Washington. The opportunity was posted on June 1, 2026, with a response deadline of June 15, 2026, at 2:00 PM. While some specific organizational details and contact information are not provided, the contract emphasizes the critical role of timely and thorough validation services in safeguarding payment operations within the agency.
Irs/do/it

POSTED

3 months ago

CLOSED

2 months ago
View Details
NAICS: 522292
Closed
SLED
Financial Aid and Tuition Payment ProcessingThe contract involves the development and integration of software modules focused on financial aid verification, cross-institutional tuition billing, and payment reconciliation. These solutions must adhere to federal regulations and PCI standards to ensure compliance and security in handling sensitive financial data. The work is being subcontracted by Texas State University under the NAICS code 522292, which relates to financial transactions. The solicitation was posted on May 21, 2026, with a response deadline of June 10, 2026. While specific details such as the solicitation number, agency contact information, and location of service performance are not provided, interested parties can access more information through the provided Texas procurement website. The contract emphasizes secure and compliant financial processing to support inter-institutional tuition payments and financial aid administration.
Texas State University

POSTED

3 months ago

CLOSED

3 months ago
View Details
NAICS: 522292
Closed
SLED
Procurement Card (P-Card) Program AdministrationThe contract involves comprehensive management of a procurement card program, covering all phases from card issuance to ongoing oversight. Key responsibilities include establishing spending controls, monitoring transactions for compliance and fraud, providing user training to ensure proper card use, and generating detailed reports. The program is designed to integrate seamlessly with Ellucian Banner Financials, which supports streamlined financial processes and transparency. Additionally, there is scope for future expansion to include travel and fuel card management, broadening the program’s capabilities and utility. This subcontract opportunity, issued by Metropolitan Community College in Missouri, is categorized under NAICS code 522292. The solicitation was posted on May 20, 2026, and proposals are due by June 30, 2026. While specific location details and points of contact are not provided, interested parties can access further information and submit responses through the designated online portal. The contract aims to provide a full lifecycle solution for procurement cards that enhances administrative efficiency, security, and user compliance within the organization.
Metropolitan Community College

POSTED

3 months ago

CLOSED

about 2 months ago
View Details
NAICS: 522292
Closed
SLED
Dual Merchant Account Structure ImplementationThe contract involves implementing and managing a dual merchant account system designed to distinctly handle County transaction processing separately from vendor service fee collections, ensuring compliance with card network regulations. It is classified as a subcontract under the NAICS code 522292 and is issued by the Finance Vehicle Registration and Licensing Division of Hawaii. The objective is to enhance clarity and compliance in financial transactions by segregating payment flows associated with County revenue and vendor fees. The solicitation was posted on May 19, 2026, with a response deadline set for May 27, 2026. While specific details such as location, agency contact information, and set-aside status are not provided, the contract focuses on financial services related to merchant account processing. The effort supports the county’s operational needs for better transaction management, likely involving technical and compliance measures to meet card network standards.
Finance Vehicle Registration and Licensing Division

POSTED

3 months ago

CLOSED

3 months ago
View Details
NAICS: 522292
Closed
SLED
Fuel Card Administration and Reporting ServicesPinal County is seeking a subcontractor to administer fuel card programs specifically for vanpool vehicles, with responsibilities including real-time transaction monitoring, proactive fraud detection, and comprehensive reporting on fuel consumption and associated costs. The contractor must ensure accurate tracking of all fuel usage to support operational efficiency and cost accountability, implementing systems that identify anomalies and prevent unauthorized use. The work requires robust reporting capabilities to deliver detailed insights into fuel expenditures and vehicle utilization patterns. The contract, titled Fuel Card Administration and Reporting Services, is classified under NAICS code 522292 and is available as a subcontract opportunity posted on May 19, 2026, with a response deadline of June 23, 2026. Performance will occur within Arizona, though specific location details are not provided. The opportunity does not specify any set-aside status or organization type requirements, and no point of contact is listed. Interested parties must submit their proposals via the Bonfire Hub portal before the deadline.
Pinal County

POSTED

3 months ago

CLOSED

2 months ago
View Details

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