NAICS 522310: Mortgage and Nonmortgage Loan Brokers
This industry comprises establishments primarily engaged in arranging loans by bringing borrowers and lenders together on a commission or fee basis. Cross-References. Establishments primarily engaged in--Show more
NAICS 522310 – Mortgage and Nonmortgage Loan Brokers encompasses firms that act as intermediaries in facilitating loan origination for residential, commercial, and other nonmortgage financing products on behalf of lenders. These brokers do not originate or fund loans directly but connect borrowers with financial institutions, negotiate terms, manage documentation, and ensure compliance with federal lending regulations such as Truth in Lending Act (TILA) and Real Estate Settlement Procedures Act (RESPA).
Industry Spending Overview
Federal obligations, top contractors and agencies, and related industry codes for NAICS 522310.
AI Industry Description
NAICS 522310 – Mortgage and Nonmortgage Loan Brokers encompasses firms that act as intermediaries in facilitating loan origination for residential, commercial, and other nonmortgage financing products on behalf of lenders. These brokers do not originate or fund loans directly but connect borrowers w...
NAICS 522310 – Mortgage and Nonmortgage Loan Brokers encompasses firms that act as intermediaries in facilitating loan origination for residential, commercial, and other nonmortgage financing products on behalf of lenders. These brokers do not originate or fund loans directly but connect borrowers with financial institutions, negotiate terms, manage documentation, and ensure compliance with federal lending regulations such as Truth in Lending Act (TILA) and Real Estate Settlement Procedures Act (RESPA). In the government contracting landscape, this NAICS code is primarily engaged in support services for housing finance programs administered by federal agencies, including loan servicing coordination, borrower eligibility verification, and automated underwriting system integration. While not a traditional IT or construction category, it plays a critical role in enabling affordable housing initiatives and financial access programs under federal housing policy. No contractor data is available for this NAICS code, indicating either limited direct federal contracting activity or that services are typically delivered through parent entities under broader financial services contracts. The Department of Housing and Urban Development is the primary federal buyer, leveraging loan broker services to administer housing assistance programs, homeownership counseling, and foreclosure prevention initiatives. Demand is driven by HUD’s Section 8, FHA-insured lending, and HOME Investment Partnerships Program, where third-party brokers support outreach, application processing, and loan placement for low- and moderate-income households. The competitive landscape is characterized by niche financial services firms, often small businesses or community development financial institutions (CDFIs), that specialize in federal housing compliance and borrower assistance. Opportunities exist for contractors with expertise in regulatory compliance, data integration with HUD systems, and multilingual client support. Procurement trends suggest a growing preference for contractors who can demonstrate scalable, technology-enabled loan origination workflows aligned with federal housing goals.
Small Business Size Standard
The SBA threshold that decides who can bid NAICS 522310 work as a small business.
The SBA cap for this NAICS (13 CFR 121.201). A business at or under it can self-certify as small for work in this code, which is what makes it eligible for a small-business set-aside. The cap is set per NAICS, so the same company can be small in one code and not in another.
13 CFR 121.201, effective January 1, 2026. The SBA revises the table roughly once a year.
Top Contractors
Companies with the highest total award value under NAICS 522310, ranked by dollars won.
| Company | Total Awards | Contracts |
|---|---|---|
| CORELOGIC SOLUTIONS, LLC | $4.5M | 4 |
Top Agencies
Federal agencies directing the most contract spending toward NAICS 522310.
Competition
How many companies historically bid on federal awards in NAICS 522310, from bidder counts reported on USAspending.
Half or more of reported awards drew exactly one bidder, usually a sign of incumbent-held work rather than an open field. · 1,437 reported awards
Median Bidders
1
Per reported award, all-time
Single-Bid Awards
65%
Share of reported awards with one bidder
10+ Bidder Awards
3%
Share of reported awards with 10+ bidders
Reported Awards
1,437
77% of 1,859 total awards
Share of reported awards in each bidder-count bracket per federal fiscal year.
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 Family | Competition | Median Bidders | Single-Bid | Bidder Mix | Reported Awards |
|---|---|---|---|---|---|
522310This Code Mortgage and Nonmortgage Loan Brokers | Usually Single-Bid | 1 | 65% | 1,43777% of 1,859 | |
52231NAICS Industry | Usually Single-Bid | 1 | 65% | 1,43777% of 1,859 | |
5223Industry Group Activities Related to Credit Intermediation | Usually Single-Bid | 1 | 64% | 3,81185% of 4,487 | |
522Subsector | Usually Single-Bid | 1 | 72% | 7,95185% of 9,388 | |
52Sector Finance and Insurance | Usually Single-Bid | 1 | 71% | 55,86385% of 65,585 |
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 Mortgage and Nonmortgage Loan Brokers, by shared sector, subsector, and industry group.
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Frequently Asked Questions
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